THE EVOLUTION AND CHARACTERISTICS OF CONSORTIUM FINANCING

Daniela Haranguș, Lavinia Florica Micloș, Andrea Feher

Abstract


The results of this structural analysis of the loan portfolio, by activity sectors, by terms and granting currency, allows the identification of the bank's financing priorities. Consortium or syndicated loan represents a variety of bank credit, which is granted by a group of banks brought together in a banking consortium or syndicate. In this paper are presented: the historical evolution, classification and characteristics of consortium loans. The main advantages of consortium lending over other lending facilities are addressed. Banks participating in consortium on syndicated loans do not face systemic risk. The following scientific research methods were used for this analysis: data collection, classification, systematization, comparison, analysis and synthesis, induction and deduction, generalization, scientific abstraction. In Romania, the consortium or syndicated loan market is expanding.                       

Keywords


consortium or syndicated loan; banking consortium; commercial banks; systemic risk; loan portfolio

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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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