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Considerations Concerning The Banking Credit And Its Optimization

Author

Listed:
  • Cerasela Pîrvu

    (University of Craiova, Romania)

  • Anca Mehedinţu

    (University of Craiova, Romania)

Abstract

The firms could take into consideration internal or external sources for financing, the differences between them being connected with the stability, independence and cost. Even the internal sources ensures a high degree of independency to the firm, they are not always efficient. Under these circumstances and the conditions of insufficient self-financing, the existence at national level of the tendency of undercapitalization and increase of their debt level, the Romanian firms make use more and more of external sources of financing, especially the banking credits. Therefore, in this study we intend to present a model for optimization the cost of the financing through the bank credit. This model is going to help the managers of the companies to find innovative solutions and to assure the competitiveness and the development of their companies.

Suggested Citation

  • Cerasela Pîrvu & Anca Mehedinţu, 2010. "Considerations Concerning The Banking Credit And Its Optimization," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 10(4), pages 263-272.
    • Handle: RePEc:pet:annals:v:10:y:2010:i:4:p:263-272
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    Citations

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    Cited by:

    1. Madalina – Gabriela Anghel & Aurelian DIACONU & Georgiana NITA & Andreea Ioana MARINESCU, 2016. "Analysis Model of credit Risk," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 64(5), pages 43-48, May.
    2. Constantin ANGHELACHE & Alexandru MANOLE & Mădălina Gabriela ANGHEL & Diana Valentina SOARE, 2016. "Statistical-econometric model used to analyze the operational and insolvency risks," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 0(3(608), A), pages 221-228, Autumn.
    3. Constantin ANGHELACHE & Alexandru MANOLE & Mădălina Gabriela ANGHEL & Diana Valentina SOARE, 2016. "Statistical-econometric model used to analyze the operational and insolvency risks," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 0(3(608), A), pages 221-228, Autumn.

    More about this item

    Keywords

    sources of financing; external sources of financing; cost of the banking credit; optimization of banking credit;
    All these keywords.

    JEL classification:

    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General

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