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Remarks on Interest Rate Risk Management

Author

Listed:
  • Elena-Violeta DRAGOI

    (Valahia University of Targoviste, Romania)

  • Oana-Mihaela ILIE

    (Valahia University of Targoviste, Romania)

Abstract

Bank interest and interest rate risk management is a contemporary subject and for socio-economic environment of Romania cause serious consequences in the level of economic development. The purpose of this research is to highlight the main indicator that measures the total cost of a loan, namely the annual percentage rate (APR), because if we refer to an interest rate lower, at first glance that loan seems more advantageous, but at a closer look, taking into account the commissions charged by the bank, we see that the loan is more expensive compared to another, whose interest rate is higher.

Suggested Citation

  • Elena-Violeta DRAGOI & Oana-Mihaela ILIE, 2016. "Remarks on Interest Rate Risk Management," Economics and Applied Informatics, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, issue 3, pages 71-76.
    • Handle: RePEc:ddj:fseeai:y:2016:i:3:p:71-76
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    References listed on IDEAS

    as
    1. Romanita Valentina IONESCU & Lucretia Mariana CONSTANTINESCU, 2013. "Quality & Customer Satisfaction In The Midst Of The Corporate Responsibility Of Banks," Business Excellence and Management, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 3(1), pages 28-40, March.
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