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The regional consumption credit. Trends, structures and territorial relevance

Author

Listed:
  • Ivona STOICA

    (”Dimitrie Cantemir” Christian University, Romania)

Abstract

The current paper analyses the territorial structure of loans to housings and nonfinancial corporations, based on information provided by banks, Romanian legal entities, branches of foreign banks in Romania, savings and lending banks for housing and Cooperative Central Bank, presented on the National Bank of Romania’s website. The main objective of the research is related to peculiarities of the county distribution by the size of credits for consumption and housing. Loans for consumption and real estates refer to the population segment and the credits of non-financial institutions are mainly devoted to operational activities and investments. Our comparison for both population and nonfinancial institutions at the county level offer the possibility to determine which are the most important users of banking credits, at county level, in the post crisis period, in Romania.

Suggested Citation

  • Ivona STOICA, 2015. "The regional consumption credit. Trends, structures and territorial relevance," Romanian Journal of Economics, Institute of National Economy, vol. 41(2(50)), pages 282-296, december.
    • Handle: RePEc:ine:journl:v:41:y:2015:a:50:p:282-296
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    References listed on IDEAS

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    1. Zaman Gheorghe & Georgescu George, 2009. "The Impact Of Global Crisis On Romania'S Economic Development," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 2(11), pages 1-1.
    2. Valentina VASILE, 2012. "A New Model For Old Age Insurrance. The Private Pension And Financial Sustenability," Business&Leadership, Scientific Society of Management from Romania, vol. 2(10), pages 53-74, March.
    3. Valentina Vasile, 2009. "Minimum Wage Institution In The Financial And Economic Crisis. Policies And Practices.," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 2(11), pages 1-2.
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    Cited by:

    1. Valentin Mihai Leoveanu, 2019. "The Evolution of Bank Lending at Regional Level in Romania," Manager Journal, Faculty of Business and Administration, University of Bucharest, vol. 30(1), pages 62-71, December.

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    More about this item

    Keywords

    consumption credit; housing credit; trends; counties;
    All these keywords.

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • D1 - Microeconomics - - Household Behavior
    • E2 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment
    • R2 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis

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