2 research outputs found

    CONSIDERATIONS ON THE RETAIL CREDIT MARKET IN ROMANIA

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    The rhythm of significant growth of the credit, as well as the conduction of it preponderantly towards the population represents characteristics met in Romania until middle of 2008 year. Before these evolutions, the Romanian banks appeared to have found the necessary instruments for a corresponding management of the crediting process. Since October of last year, the event fund the consequences of international financial crisis, witnessing a phenomenon to halt the credit. Among the products that I estimate that the Romanian banking sector will preponderantly use are: credits designated to the acquisition of goods of long term use; credit cards; mortgage credits; derived financial instruments.retail, risk, profit, market, international financial crisis, new banking products

    BANKING ACTIVITY’S FUNDAMENTAL FORCES OF CHANGE IN ECONOMIC ACTUAL CONDITIONS

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    Five fundamental forces have transformed the structure of financial markets and institutions and reflect the intense competition financial firms face today: deregulation/reregulation, financial innovation, securitization, globalization, and advances in technology. Market participants can choose from a larger number of suppliers which places a premium on customer service. To remain competitive, banks should identify the products with which they have a market advantage and provide personal service. The basic theme is that increased competition, brought about not only by continued deregulation but also as financial firms find ways around regulation, has encouraged banks to assume increased portfolio risks in order to earn acceptable returns.deregulation/reregulation, financial innovation, securitization,globalization, advances in technology
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