Actual Problems and Perspective with Positive Impact on the Activity of Banking System in Romania

The Romanian banking system, though under multiple layout characterized positive (capitalization, monitoring, regulation, solvency, risk factors, etc.), is involved in solving some major problems and in direct connection with the sides of his qualitative. Problems with positive impact on the work of the domestic banking system, customize under different aspect, between which: natural factors, they have generated, the directions in which action must be taken and the strategies imposed by the identification of solutions to solve each problem. Of these factors, the generator problem in the banking business, presents the importance. Many high-risk problems for the banking business are attributable to internal factors, management, management, regulation and monitoring of activities, methods for carrying out financial intermediation operations. Due to internal factors, banking entities are faced with significant problems, such as delays in the resumption of crediting in foreign currency lending priority (especially in CHF), the share of bad loans (most of them outsourced), lack of credibility towards consumers, etc. In regards to the problems stemming from external factors, they may be, in essence: financial disintermediation, delays in application of regulations the concurring with the new European vision in the field of banking activity, etc. Essential aspects relating to issues impacting the banking activity shall be entered in the following.