ANALYSIS OF THE NON-BANKING FINANCIAL INSTITUTIONS SYSTEM FROM ROMANIA

Maria Adriana Agănencei, Anca Diana Sumănaru, Andreea Văcărescu, Ciprian Ioan Rujescu, Elena Claudia Sîrbulescu

Abstract


The paper presents the non-banking financial institutions system in the period 2015 - 2020, highlighting the main activities, represented by the following activities: multiple lending, consumer loans, microcredit, factoring, discounting, lump sums, financial leasing, issuing guarantees, including credit guarantee, transaction financing commercial, mortgage and/ or real estate loans, and other forms of credit. A non-bank financial institution is a financial institution that does not hold a full banking license or is not supervised by a national or international banking regulatory agency. The purpose of this paper is to analyze the structure of the non-bank financial institutions system from Romania, emphasizing the differences between a non-bank financial institution and a bank, advantages and disadvantages and the object of activity


Keywords


non-banking financial institution; financial intermediaries; commercial banks; analysis

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Copyright (c) 2021 Elena Claudia Sîrbulescu, MARIA-ADRIANA AGANENCEI, ANDREEA VACARESCU, CIPRIAN RUJESCU

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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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Banat`s University of Agricultural Sciences and Veterinary Medicine “King Michael I of Romania” from Timisoara
Faculty of Management and Rural Tourism
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