Romanian commercial banks and credit risk in financing SME

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 Mediu 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).credit risk, risk management, financing SME, bank policies

Church Membership Survey 2017: Inter-European Division

The proposed research study is a part of 2017 Church Member Global Survey that provides relevant data on EUD members regarding their faith and convictions, spiritual life related behaviors and habits, in-group and out-group attitudes that translate into community oriented and mission oriented behaviors and initiatives. The research has been carried out on a representative sample of the EUD members from 10 out of its 11 Unions. The research results are part of the preliminary report describing the main trends in EUD regarding membership, attitudes, beliefs and behaviors directly related to the SDA core values

Dictionar de Montanologie / Dictionary of Montology

<p>Dictionar de Montanologie / Dictionary of Montology</p&gt

Economie agroalimentară montană în triada Economie - Management - Marketing

<p>Economie agroalimentară montană în triada Economie - Management - Marketing</p&gt

JOURNAL FOR FREEDOM OF CONSCIENCE 3(11)/2023

<p>JOURNAL FOR FREEDOM OF CONSCIENCE 3(11)/2023</p&gt

Certificates & Diploma, Akademos Learning & CBM International University

<p>Certificates & Diploma, Akademos Learning & CBM International University</p&gt

Dictionar de Montanologie / Dictionary of Montology

<p>Dictionar de Montanologie / Dictionary of Montology</p&gt

Mountain population and human values: does the mountain still represent the expression of freedom?

<p>Economie agroalimentară montană în triada Economie - Management - Marketing</p&gt

JOURNAL FOR FREEDOM OF CONSCIENCE 2(11)/2023

<p>JOURNAL FOR FREEDOM OF CONSCIENCE 2(11)/2023</p&gt

Dictionar de Montanologie / Dictionary of Montology

<p>Dictionar de Montanologie / Dictionary of Montology</p&gt