THE TYPOLOGY OF BANK CREDIT FOR FINANCING THE POPULATION’S HOUSEHOLDS IN ROMANIA

Elena Claudia Sîrbulescu, Luminita Pirvulescu, Andreea Feher, Liana Maria Alda, Ana-Mariana Dincu

Abstract


The paper presents the typology of credits granted to the population, in order to understand the evolution of lending in Romania, as well as new trends, capturing the economic and social influences induced by loans granted to the population under the impact of the global crisis. Bank loans are used to finance the needs of households, in particular to reduce the variability over time of their consumption pattern and help them invest in real estate. The methods used by the authors consisted in data collection, documentary analysis, synthesis, graphic representation. Understanding the behavior of regular customers and transforming them into sophisticated customers, forces banks to build their management policy to meet customer requirements in the relationship with the bank, using elements such as presentation, perspective, positioning, quality of services provided, and improving distribution. We can conclude that the evolution of loans granted to the population in Romania has an upward trend.

Keywords


bank credit; banking system; customers

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Copyright (c) 2021 Elena Claudia Sîrbulescu, Luminita Pirvulescu, Andreea Feher, Liana Alda, Ana Mariana Dincu

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LUCRĂRI ȘTIINȚIFICE MANAGEMENT AGRICOL

ISSN print 1453-1410
ISSN online 2069-2307
(former ISSN 1453-1410, E-ISSN 2069-2307)

PUBLISHER: AGROPRINT Timisoara, Romania
PAPER ACCESS: Full text articles available for free
FREQUENCY: Annual
PUBLICATION LANGUAGE: English

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