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Credit Risk In Financing Sme In Romania

Author

Listed:
  • Vorniceanu, Marius

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

  • Covaci, Brindusa

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

  • Cocosatu, Cristinel Claudiu

    (Universitatea Spiru Haret, Facultatea de Finante si Banci)

Abstract

Romania's integration in the European Union brought about some major changes in our banking system. One of the direct consequences is the fierce competition between banks for supremacy on the market. According to this, the Romanian banks saw in the SMEs sector a true potential for reaching their goal and they proceeded to conquer it by conceiving unique products, specially designed to reach the financial needs of this segment. Moreover, banks often come up with new attractive offers and cost reductions for the SMEs (Small and Medium Sized Enterprises) sector. In this context, some answers need to be done: the effective risk banks accept to take by providing the offers, specific risks in financing this sector, the problem of the balance between risk and profit return (or market share increase).

Suggested Citation

  • Vorniceanu, Marius & Covaci, Brindusa & Cocosatu, Cristinel Claudiu, 2009. "Credit Risk In Financing Sme In Romania," Papers 2009/24, Osterreichish-Rumanischer Akademischer Verein.
    • Handle: RePEc:ris:sphedp:2009_024
    as

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    Cited by:

    1. repec:mje:mjejnl:v:12:y:2017:i:2:p:129-140 is not listed on IDEAS
    2. Madalina – Gabriela Anghel & Aurelian DIACONU & Georgiana NITA & Andreea Ioana MARINESCU, 2016. "Analysis Model of credit Risk," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 64(5), pages 43-48, May.
    3. Jozef Habanik & Petr Novak & Jaroslav Belas & Eva Cipovova, 2014. "Actual Trends in Business Risks for Small and Medium Enterprises. Case Studies from the Czech Republic and Slovakia," Economic Studies journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 4, pages 159-181.
    4. Gábor HUNYA, 2011. "Problems of Romanian SMEs with tapping EU structural funds," Eastern Journal of European Studies, Centre for European Studies, Alexandru Ioan Cuza University, vol. 2, pages 129-146, June.

    More about this item

    Keywords

    credit risk; risk management; financing SME; bank policies;
    All these keywords.

    JEL classification:

    • C61 - Mathematical and Quantitative Methods - - Mathematical Methods; Programming Models; Mathematical and Simulation Modeling - - - Optimization Techniques; Programming Models; Dynamic Analysis
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions

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