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The customers borrowing behavior during the financial crisis

Author

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  • Alina LUCA (BRĂTUCU)

    (The Bucharest University of Economic Studies)

Abstract

The global financial crisis determined the transition of the Romanian banking system from excess of liquidity to deficit, namely from an aggressive lending activity to a significant reduction of credit growth rate. In our country, the high indebtedness rate, especially in foreign currencies, is the main vulnerable spot of the population sector. The main objective of this paperwork is to analyze factors that influence the customers in their decision to borrow in foreign currencies or in Ron. In this matter, it was used a regional econometric model for panel data in order to see Romania’s customers borrowing preferences and to analyze if the crises have changed their behavior.

Suggested Citation

  • Alina LUCA (BRĂTUCU), 2013. "The customers borrowing behavior during the financial crisis," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(5(582)), pages 115-124, May.
    • Handle: RePEc:agr:journl:v:xx:y:2013:i:5(582):p:115-124
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    Cited by:

    1. Sorin Daniel MANOLE & Corina PETRESCU & Ramona Ioana VLADA, 2016. "Determinants of household loans," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 0(4(609), W), pages 89-102, Winter.
    2. Sorin Daniel MANOLE & Corina PETRESCU & Ramona Ioana VLADA, 2016. "Determinants of household loans," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(4(609), W), pages 89-102, Winter.

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