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The Analysis of Financial Conditions Imposed by Banks for the Approval of Long Term Credits Requested by Economical Agents


  • Radu Riana Iren

    () (“Dunarea de Jos” University of Galati, Faculty of Economic Sciences)


Amid economic crisis, more and more companies are facing financial deficits. In these circumstances it is necessary to find solutions to finance economical activity. Given the demand contraction and financial blockade, calling the long-term loans for development or at least maintaining the basic business parameters, it appears strongly as an attractive option for economical agents. Unfortunately, due to pronounced financial risk on this period of crisis and due to currency loans required by the state, banks have been tightening ever more theirs conditions and it have been increasing the collateral requirements also. In this debate, I am proposing to shortly describe the necessary steps to be taken for credit obtaining, and also to make a critical analysis of financial conditions imposed by banks for the approval of long term loans. Shortly exemplification of reliability analysis made by banks on this occasion, through financial indicators, will be also done.

Suggested Citation

  • Radu Riana Iren, 2010. "The Analysis of Financial Conditions Imposed by Banks for the Approval of Long Term Credits Requested by Economical Agents," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 684-687, October.
  • Handle: RePEc:ovi:oviste:v:10:y:2010:i:2:p:684-687

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    credit crisis; guarantees; payment terms;

    JEL classification:

    • G - Financial Economics
    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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