This paper is an overview of the specialty literature as regards the non-performing credits, both globally and at the level of our country, expressing my own point of view concerning the evolution of this phenomenon. My paper shows that first of all it is necessary to make an analysis of...

The relation between the volume of loan and the interest rate occupies an important role with economic theories. In the real economy, these theories are sometimes confirmed and at other times infirmed. This study proposes to identify the existing connection between the evolution of the loan and...

Troubled Asset Relief Program (TARP) is already known as the greatest governmental measure in the world. This is a program of the United States government to purchase assets and equity from financial institutions to strengthen its financial sector. It is the largest component of the government's...

The management of innovation since the early 90s is more and more present in the business discourse, whatever the field of activity. However, the academic literature is often limited to technological innovations carried out in the industry and leaves the service sector which is a major source of...

Credit market is in a continuous and complex process of adaptation of offered products and services, duet o the competition between banks, competition generated also by the globalization effects of economic activities. In these terms, the banks are obligated to consolidate their position on the...

Leasing is the solution that allows the exceeding of difficulties generated by an inadequate economic environment –limited and expensive financing, banking system bureaucracy – and allows the societies to obtain the right to use, with minimal initial financial efforts, some cars, machines,...

Although they have gained important experience in the 20 years following the passage to a market economy, banks remain vulnerable to criminal attacks and are defeated by judiciary errors. On the other had, life shows the impressive number of facets of a bank manager’s responsibility. In...

The commercial banks main operation is the granting of credits that occupies the first place among the total investments. Any bank assumes risks to a certain extent when granting credits and certainly all the banks generally incur losses when some debtors fail to comply with their obligations....

The article presents a study which aims to analyze the role of information technology (IT) in the banking industry. Technological innovations have enabled the industry to open up efficient delivery channels. IT has helped the banking industry to deal with the challenges the new economy poses....

We analyze the impact of countercyclical capital buffers held by banks on the supply of credit to firms and their subsequent performance. Spain introduced dynamic provisioning unrelated to specific bank loan losses in 2000 and modified its formula parameters in 2005 and 2008. In each case,...