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Romanian Banks – Romanian SMEs: A Mutual Business Relationship


  • Ion POPA

    () (Bucharest Academy of Economic Studies, Romania)

  • Camelia Elena CIOLAC

    () (Bucharest Academy of Economic Studies, Romania)

  • Sebastian CEPTUREANU

    () (Bucharest Academy of Economic Studies, Romania)


    () (Bucharest Academy of Economic Studies, Romania)


This paper analyzes the bank-SMEs partnership in terms of ICT collaboration. The data about ICT projects developed in the Romanian banks having SMEs as a technology provider is collected by web content mining. Then, the paper addresses two main perspectives. At first, we identify the features that characterize the successful SMEs that managed to develop business relationships with the Romanian Banks and we build an econometric model to express this dependency. On the other hand, the paper analyzes the problem from the Romanian banks’ perspective, identifying patterns in their IT investment decisions.

Suggested Citation

  • Ion POPA & Camelia Elena CIOLAC & Sebastian CEPTUREANU & Eduard CEPTUREANU, 2010. "Romanian Banks – Romanian SMEs: A Mutual Business Relationship," REVISTA DE MANAGEMENT COMPARAT INTERNATIONAL/REVIEW OF INTERNATIONAL COMPARATIVE MANAGEMENT, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 11(2), pages 338-349, May.
  • Handle: RePEc:rom:rmcimn:v:11:y:2010:i:2:p:338-349

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    References listed on IDEAS

    1. DOBREA CATAlin & CIOCOIU Nadia & STEFANESCU Andrea Nicoleta, 2009. "Aspects of the collaborating enviroment integration in the SME-s activity in the context of the economic globalization," Economia. Seria Management, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 12(2 Special), pages 144-151, July.
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    Cited by:

    1. Sebastian Ion Ceptureanu, 2015. "Young Smes Insolvency.Theoretical Considerations And Policy Actions," Risk in Contemporary Economy, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, pages 120-126.

    More about this item


    SMEs; banking industry; IT investments; clustering; decision patterns.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship


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