THE ATTITUDE OF ROMANIAN BANKS TOWARDS AGRICULTURAL CREDIT

Daniela Harangus

Abstract


Commercial banks in Romania have restricted the access to credit for agricultural farms. Banks have imposed eligibility criteria, difficult to realize in agriculture. In the financial and economic analysis, banks take into consideration the risks in agricultural activity. This research proposes an analysis of the dynamic evolution of  loans for agriculture. In the period of 2011-2015, banks credits for agriculture have a small share in total credits offered by the commercial banks. Lack of flexibility and guarantees required by banks have restricted access to credit for agricultural farms.


Keywords


Commercial banks; agricultural farms; bank credits; dynamic analysis..

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References


BREI, M., SCHCLAREK, A., 2013, Public bank lending in times of crisis, in Journal of Financial Stability, No. 9/2013, pp. 820– 830, journal homepage: www.elsevier.com/locate/jfstabil

HARANGUS, DANIELA, 2004, Agricultural credit in the Romanian transition, Augusta & ArtPress Publishing House, Timisoara

Le VALLEE, J. C., 2008, Achieving food security through food system resilience, Saarbrücken, Germany: VDM Verlag

OSBORN, T., 2006, Credit and risk in rural developing economy, in Journal of Economic, Dynamics & Control, UK, No. 30, pp 451-568

www.bnro.ro

www.ecb.europa.eu


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Copyright (c) 2016 Daniela Harangus

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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
300645, Timisoara, Calea Aradului 119, Romania

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