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Lending population in the context of Romania into the European Union - Ramona Ioana Vlada
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Publisher: Editura Universitara
Author: Ramona Ioana Vlada
ISBN: 978-606-28-0281-3
DOI: 10.5682/9786062802813
Publisher year: 2016
Pages: 216
Product Code:
9786062802813
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This book "Lending to the population in the context of Romania integrated into the European Union" aims to capture new correlations and impacts of the Romanian banking system in a period disadvantaged by the global crisis, with a sustained approach of practical studies, which will give the reader a source of scientific information useful for easy assimilation.
Conceived in four planes, the structure of the paper has as central objective the anticipation of an economic system of Romania, developed in accordance with an optimal strategy of the banking system, influenced by the imprints of the past and dependent on the future of a sustained business environment. viable investment projects.
Conceived in four planes, the structure of the paper has as central objective the anticipation of an economic system of Romania, developed in accordance with an optimal strategy of the banking system, influenced by the imprints of the past and dependent on the future of a sustained business environment. viable investment projects.
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Creditarea populatiei in contextul Romaniei integrate in Uniunea Europeana
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RAMONA IOANA VLADA
FOREWORD / 11
CHAPTER I - BANK LOAN FOR THE POPULATION: CONCEPT, FUNCTIONS, CONTEMPORARY DEVELOPMENTS / 17
1.1. The impact of globalization on banking and credit / 17
1.1.1. New guidelines in banking / 21
1.1.2. Prudential regulations and the new architecture of the Basel Accords / 24
1.1.3. The impact of globalization on the evolution of banking activity in countries with a consolidated market economy / 31
1.2. The architecture of the banking products and services market on the threshold of the new millennium / 37
1.3. Configuration of the bank credit concept; evolutions of currents of thought / 45
1.4. Bank credit for the population: forms and functions / 57
1.5. Perspectives on lending internationally / 61
1.5.1. Evolution of lending in the U.E. / 62
1.5.2. The configuration of the population lending activity in the USA / 66
1.5.3. Lending to the population in developed countries in ASIA / 75
CHAPTER II - CUSTOMER GOODNESS - IMPACT ON THE CREDIT PROCESS / 82
2.1. Considerations regarding the concept of creditworthiness / 82
2.2. Banking methods used in customer evaluation / 89
2.2.1. The “Score” function and its particularities / 91
2.2.2. Impact of the “Score” Function on the lending process / 96
2.3. Risks associated with lending and their management / 98
2.3.1. Non - financial aspects within the creditworthiness assessment / 99
2.3.2. The importance of guarantees in the management of risks associated with lending / 100
CHAPTER III - CREDITING THE POPULATION IN ROMANIA BEFORE AND AFTER INTEGRATION INTO THE EUROPEAN UNION / 104
3.1. Banking activity in Romania in the last decades: the impact of the market economy coagulation / 105
3.2. Typology of loans granted to the population by Romanian banks / 111
3.3. Trends and perspectives of population lending: new challenges / 116
3.4. Economic and social implications induced by loans granted to the population (credit analysis for the period 2000 – present, under the influence of the global crisis) / 119
3.5. Factors influencing the credits granted to the population - Case study / 126
3.5.1. Study of the stationarity of the time series used for the model / 126
3.5.2. Econometric model / 134
CHAPTER IV - CEC BANK S.A. IN AN INTEGRATED ROMANIA - RISK AND PERFORMANCE MANAGEMENT IN THE FIELD OF POPULATION CREDITING / 143
4.1. Evaluation of the activity carried out by CEC Bank S.A. before and after integration into the European Union / 143
4.1.1. Positioning CEC Bank S.A. in the sphere of the Romanian banking system / 143
4.1.2. The lending methodology used by CEC Bank S.A. / 155
4.2. Risk management promoted by CEC Bank S.A. / 157
4.2.1. The main risk categories specific to the banking activity in Romania / 159
4.2.2. Risk management methods within CEC Bank S.A. / 163
4.3. Evolutions and perspectives of the indicators in quantifying the performances obtained by CEC Bank S.A. - Case study / 164
BIBLIOGRAPHY / 178
ANNEXES / 195
ABBREVIATIONS / 216
CHAPTER I - BANK LOAN FOR THE POPULATION: CONCEPT, FUNCTIONS, CONTEMPORARY DEVELOPMENTS / 17
1.1. The impact of globalization on banking and credit / 17
1.1.1. New guidelines in banking / 21
1.1.2. Prudential regulations and the new architecture of the Basel Accords / 24
1.1.3. The impact of globalization on the evolution of banking activity in countries with a consolidated market economy / 31
1.2. The architecture of the banking products and services market on the threshold of the new millennium / 37
1.3. Configuration of the bank credit concept; evolutions of currents of thought / 45
1.4. Bank credit for the population: forms and functions / 57
1.5. Perspectives on lending internationally / 61
1.5.1. Evolution of lending in the U.E. / 62
1.5.2. The configuration of the population lending activity in the USA / 66
1.5.3. Lending to the population in developed countries in ASIA / 75
CHAPTER II - CUSTOMER GOODNESS - IMPACT ON THE CREDIT PROCESS / 82
2.1. Considerations regarding the concept of creditworthiness / 82
2.2. Banking methods used in customer evaluation / 89
2.2.1. The “Score” function and its particularities / 91
2.2.2. Impact of the “Score” Function on the lending process / 96
2.3. Risks associated with lending and their management / 98
2.3.1. Non - financial aspects within the creditworthiness assessment / 99
2.3.2. The importance of guarantees in the management of risks associated with lending / 100
CHAPTER III - CREDITING THE POPULATION IN ROMANIA BEFORE AND AFTER INTEGRATION INTO THE EUROPEAN UNION / 104
3.1. Banking activity in Romania in the last decades: the impact of the market economy coagulation / 105
3.2. Typology of loans granted to the population by Romanian banks / 111
3.3. Trends and perspectives of population lending: new challenges / 116
3.4. Economic and social implications induced by loans granted to the population (credit analysis for the period 2000 – present, under the influence of the global crisis) / 119
3.5. Factors influencing the credits granted to the population - Case study / 126
3.5.1. Study of the stationarity of the time series used for the model / 126
3.5.2. Econometric model / 134
CHAPTER IV - CEC BANK S.A. IN AN INTEGRATED ROMANIA - RISK AND PERFORMANCE MANAGEMENT IN THE FIELD OF POPULATION CREDITING / 143
4.1. Evaluation of the activity carried out by CEC Bank S.A. before and after integration into the European Union / 143
4.1.1. Positioning CEC Bank S.A. in the sphere of the Romanian banking system / 143
4.1.2. The lending methodology used by CEC Bank S.A. / 155
4.2. Risk management promoted by CEC Bank S.A. / 157
4.2.1. The main risk categories specific to the banking activity in Romania / 159
4.2.2. Risk management methods within CEC Bank S.A. / 163
4.3. Evolutions and perspectives of the indicators in quantifying the performances obtained by CEC Bank S.A. - Case study / 164
BIBLIOGRAPHY / 178
ANNEXES / 195
ABBREVIATIONS / 216
This book "Lending to the population in the context of Romania integrated into the European Union" aims to capture new correlations and impacts of the Romanian banking system in a period disadvantaged by the global crisis, with a sustained approach of practical studies, which will give the reader a source of scientific information useful for easy assimilation.
Conceived in four planes, the structure of the paper has as central objective the anticipation of an economic system of Romania, developed in accordance with an optimal strategy of the banking system, influenced by the imprints of the past and dependent on the future of a sustained business environment. viable investment projects.
At the beginning of the research we invoked the implications of globalization on banking, as well as the new trends that lending encounters, protected / restricted, being over the years conditioned by the prudential regulations of the Basel Accords, which contributed to the development of existing banking products and services. to certain currents of thought that have reconfigured the concept of bank credit in the light of technological revolutions.
I emphasized the need to frame the crediting stages in a chronological order. Thus, we detailed some meanings and concepts of creditworthiness, highlighting the banking methods used in evaluating customers.
We have penetrated the landmarks of banking in Romania in recent decades, as it was influenced by the coagulation of the market economy, capturing the economic and social influences induced by loans to the population, under the impact of the global crisis, we built the platform of a case study to outline in figures and values, the image of lending to the Romanian population.
We selected from the top of the Romanian banks the activity carried out by CEC Bank S.A., in order to capture this banking phenomenon in a temporal evolution in relation to the moment of Romania's integration in the U.E. and I presented its position in the sphere of the Romanian banking system, within the analyzed periods.
We hope that this paper will pose new challenges for those who work in this field, as well as for those interested, so that the limits can be expanded by deepening future scientific research.
Dr. ec. Ramona Ioana Vlada
Conceived in four planes, the structure of the paper has as central objective the anticipation of an economic system of Romania, developed in accordance with an optimal strategy of the banking system, influenced by the imprints of the past and dependent on the future of a sustained business environment. viable investment projects.
At the beginning of the research we invoked the implications of globalization on banking, as well as the new trends that lending encounters, protected / restricted, being over the years conditioned by the prudential regulations of the Basel Accords, which contributed to the development of existing banking products and services. to certain currents of thought that have reconfigured the concept of bank credit in the light of technological revolutions.
I emphasized the need to frame the crediting stages in a chronological order. Thus, we detailed some meanings and concepts of creditworthiness, highlighting the banking methods used in evaluating customers.
We have penetrated the landmarks of banking in Romania in recent decades, as it was influenced by the coagulation of the market economy, capturing the economic and social influences induced by loans to the population, under the impact of the global crisis, we built the platform of a case study to outline in figures and values, the image of lending to the Romanian population.
We selected from the top of the Romanian banks the activity carried out by CEC Bank S.A., in order to capture this banking phenomenon in a temporal evolution in relation to the moment of Romania's integration in the U.E. and I presented its position in the sphere of the Romanian banking system, within the analyzed periods.
We hope that this paper will pose new challenges for those who work in this field, as well as for those interested, so that the limits can be expanded by deepening future scientific research.
Dr. ec. Ramona Ioana Vlada
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