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Optimization Of Mortgage Loans Granting Procedures

Author

Listed:
  • Teodora Cristina Barbu

    (Academy of Economic Studies, Bucharest)

  • Iustina Alina Boitan

    (Academy of Economic Studies, Bucharest)

  • Ion Radu Zilisteanu

    (Academy of Economic Studies, Bucharest)

Abstract

The regulation of Romanian banking system credit activity is the subject of an ample adjusting process, its final objective being the elaboration of a rigorous, and in the same time flexible legal framework, individualized for each credit institution. Therefore, it is desired to keep management responsible for the clear establishment of their business strategy and for the accurate evaluation of their activity’s risk profile. In the context of increasing banking competition and of the dynamics recorded on credit market, credit institutions proceeded to the elaboration of internal credit regulations, validated by NBR, in order to optimize their credit granting decision, both from the standpoint of financial products supplied, and of eligibility criteria involved.

Suggested Citation

  • Teodora Cristina Barbu & Iustina Alina Boitan & Ion Radu Zilisteanu, 2008. "Optimization Of Mortgage Loans Granting Procedures," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 12(12(517)(s), pages 18-23, December.
    • Handle: RePEc:agr:journl:v:12(517)(supplement):y:2008:i:12(517)(supplement):p:18-23
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