IDEAS home Printed from https://ideas.repec.org/a/ovi/oviste/vxxivy2024i1p581-588.html
   My bibliography  Save this article

Analysis of Non-Bank Loans in the Context of the Romanian Economy: Risks and Implications

Author

Listed:
  • Alexandrina Brinza

    (“Dunarea de Jos” University of Galati, Faculty of Economics and Business Administration, Romania)

  • Ioana Lazarescu

    (“Dunarea de Jos” University of Galati, Faculty of Economics and Business Administration, Romania)

  • Doina Iacob

    (“Dunarea de Jos” University of Galati, Faculty of Economics and Business Administration, Romania)

Abstract

The analysis of data concerning non-bank financial institutions in Romania reveals a consistent increase in loan issuance over the past 11 years, especially in the context of the pandemic. The excessive growth in the number of loans has generated an elevated risk of non-repayment, necessitating careful debtor management. Warning signs, such as decreasing available funds and payment delays, represent critical points for assessing credit risk. National-level analysis underscores the importance of implementing preventive measures to avoid the risk of bankruptcy. Non-bank financial institutions must adopt proactive and adaptable strategies to efficiently manage the loan portfolio and ensure the long-term stability of the financial sector.

Suggested Citation

  • Alexandrina Brinza & Ioana Lazarescu & Doina Iacob, 2024. "Analysis of Non-Bank Loans in the Context of the Romanian Economy: Risks and Implications," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 581-588, August.
    • Handle: RePEc:ovi:oviste:v:xxiv:y:2024:i:1:p:581-588
    as

    Download full text from publisher

    File URL: https://stec.univ-ovidius.ro/html/anale/RO/2024i1/Section%205/2.pdf
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    IFN (Non-Banking Financial Institutions); banking risk; credit; crisis; bankruptcy;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • 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

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ovi:oviste:v:xxiv:y:2024:i:1:p:581-588. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Gheorghiu Gabriela (email available below). General contact details of provider: https://edirc.repec.org/data/feoviro.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.