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Practical Approach To The Vision Over Credit Risk At The Level Of A Commercial Bank In Romania.Identification Of Credit Risk In A Credit Portfolio Granted For Agriculture


  • Ioana Raluca Sbârcea

    () (University “Lucian Blaga”, Sibiu)


The activity of the commercial banks in Romania, in terms of managing credit risk is guided by rules and regulations imposed by the National Bank of Romania, but is also customized through the existence of some personal risk management policies, determined by the nature and scale of each bank. This paper aims to highlight these features in terms of credit risk management and to identify some risks in the credit portfolio granted to customers that engage in agriculture. After the analysis, we have identified a number of proposals that could improve the management of credit risk in agriculture.

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  • Ioana Raluca Sbârcea, 2011. "Practical Approach To The Vision Over Credit Risk At The Level Of A Commercial Bank In Romania.Identification Of Credit Risk In A Credit Portfolio Granted For Agriculture," Romanian Economic Business Review, Romanian-American University, vol. 6(3), pages 84-101, September.
  • Handle: RePEc:rau:journl:v:6:y:2011:i:3:p:84-101

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    References listed on IDEAS

    1. Smith, Adam, 1776. "An Inquiry into the Nature and Causes of the Wealth of Nations," History of Economic Thought Books, McMaster University Archive for the History of Economic Thought, number smith1776, December.
    2. Van Zandt, David E, 1993. "The Lessons of the Lighthouse: "Government" or "Private" Provision of Goods," The Journal of Legal Studies, University of Chicago Press, vol. 22(1), pages 47-72, January.
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    credit risk; agricultural credit; warranties;


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