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The Concept Of The Credit Potential Of The Bank And The Factors That Determine It

Author

Listed:
  • COCIUG, Victoria

    (Academy of Economic Studies, Chisinau, Republic of Moldova)

  • POSTOLACHE, Victoria

    (Alecu Russo Balti State University, Republic of Moldova)

Abstract

In the context of the economic crisis, caused, among other things, by the COVID-19 coronavirus pandemic, banks faced a shortage of attracted financial resources as a result of falling incomes of the population, bankruptcy of enterprises, and rising unemployment. The lack of financial resources provoked an outflow of depositors from banks. At the same time, for the same reasons, the demand for credit services of banks increased. The study is aimed at improving methodological approaches to the concept and structure of the credit potential of banks. In particular, there is no single approach to the definition of the concept of "credit potential of the bank", its structure, as well as the factors influencing it. In addition, there is no consensus on the formation of a methodology for assessing the bank's credit potential.

Suggested Citation

  • COCIUG, Victoria & POSTOLACHE, Victoria, 2022. "The Concept Of The Credit Potential Of The Bank And The Factors That Determine It," Journal of Financial and Monetary Economics, Centre of Financial and Monetary Research "Victor Slavescu", vol. 10(1), pages 124-130, October.
    • Handle: RePEc:vls:rojfme:v:10:y:2022:i:1:p:124-130
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    More about this item

    Keywords

    credit potential of banks; economic crisis; bank;
    All these keywords.

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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