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Credit Risk In Financing Sme In Romania

  • Vorniceanu, Marius

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

  • Covaci, Brindusa

    ()

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

  • Cocosatu, Cristinel Claudiu

    ()

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

Romania's integration in the European Union brought about some major changes in our banking system. One of the direct consequences is the fierce competition between banks for supremacy on the market. According to this, the Romanian banks saw in the SMEs sector a true potential for reaching their goal and they proceeded to conquer it by conceiving unique products, specially designed to reach the financial needs of this segment. Moreover, banks often come up with new attractive offers and cost reductions for the SMEs (Small and Medium Sized Enterprises) sector. In this context, some answers need to be done: the effective risk banks accept to take by providing the offers, specific risks in financing this sector, the problem of the balance between risk and profit return (or market share increase).

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Paper provided by Osterreichish-Rumanischer Akademischer Verein in its series Papers with number 2009/24.

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Length: 11 pages
Date of creation: 04 Jun 2009
Date of revision:
Handle: RePEc:ris:sphedp:2009_024
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