The Development Premises of the Banking System in Romania

The actual world economic crisis has proven once more that the banks are the primary force for an economic growth or for a recession. This major economic crisis has begun, in the first instance, at the banks level, there for in the banking system has developed a great void of banking liquidities. Many payments are done through banks and the lack of funds has slow down the payments, the loans, which led to a reduction of activity in the real economy for the companies, or even led to bankruptcy for one of them. The Romanian banks have their own liquidity strategies. Of course that the objective of all banks is maintaining and achieving a ratio and an optimum structure of assets and liabilities, so it may obtain a maximum value of incomes and a minimum value of negative effects of payments during rough situations.