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The Credit Risk Control in the Context of the Economic Crisis

Author

Listed:
  • Vechiu Camelia

    („Constantin Brâncoveanu” University, Faculty of Management-Marketing in Economic Affairs Brãila)

  • Tudose Geanina

    („Constantin Brâncoveanu” University, Faculty of Management-Marketing in Economic Affairs Brãila)

  • Chifane Cristina

    („Constantin Brâncoveanu” University, Faculty of Management-Marketing in Economic Affairs Brãila)

Abstract

The market economy refers to the implicit presence of a banking system which could ensure the mobilization of all the monetary resources of the respective economy and their temporary orientation towards the development of efficient economic activities. The financial risks originate in the impossibility of foreseeing the evolution of the varation of the financial and banking risks. When employing their resources, the banks are confronted with a series of risks determined either by the quality of the organization providing the loan or by the general economic evolution or by the general structure of the bank. For those banks operating in Romania, the risks are even more evident due to the hostile environment in which they operate, but also due to the specificity of the Romanian banking system which is still evolving and adapting to the competitive stringencies of the market economy.

Suggested Citation

  • Vechiu Camelia & Tudose Geanina & Chifane Cristina, 2011. "The Credit Risk Control in the Context of the Economic Crisis," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 2278-2282, May.
    • Handle: RePEc:ovi:oviste:v:11:y:2011:i:1:p:2278-2282
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    More about this item

    Keywords

    crisis; credit risk; bad loans; banking supervision;
    All these keywords.

    JEL classification:

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

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