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Risk Management in Cooperative Banks from the 21st Perspective

Author

Listed:
  • Liliana-Aurora Constantinescu
  • Adrian Constantinescu
  • Mirela Niculae

Abstract

Globalization of markets, the extremely fast pace of technology, especially in communications technology, increasingly fierce competition between credit institutions to provide the most competitive products and services to customers led to an acceleration of activities in the banking system internationally. The cooperative banks have undergone extensive reforms since 2006, pursuing their restructuring, a process leading to the presence in this area of the financial system - modern banking, adapted to the market economy with legislation harmonized with the EU. Only a pertinent analysis and a very good knowledge of the new tendencies in banking financial risk management can provide cooperative banks in Romania efficient options on their use of management, while obtaining a higher profitability and an adequate level of liquidity.

Suggested Citation

  • Liliana-Aurora Constantinescu & Adrian Constantinescu & Mirela Niculae, 2014. "Risk Management in Cooperative Banks from the 21st Perspective," Knowledge Horizons - Economics, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 6(1), pages 60-62, March.
    • Handle: RePEc:khe:journl:v:6:y:2014:i:1:p:60-62
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    More about this item

    Keywords

    Risk management; cooperative banks; profitability; liquidity; credit policies;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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