Covaci, Brindusa (2008): Romanian commercial banks and credit risk in financing SME.
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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 Mediu 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).
|Item Type:||MPRA Paper|
|Original Title:||Romanian commercial banks and credit risk in financing SME|
|Keywords:||credit risk, risk management, financing SME, bank policies|
|Subjects:||D - Microeconomics > D5 - General Equilibrium and Disequilibrium > D53 - Financial Markets
E - Macroeconomics and Monetary Economics > E4 - Money and Interest Rates > E44 - Financial Markets and the Macroeconomy
|Depositing User:||Brindusa Covaci|
|Date Deposited:||23. Apr 2009 03:19|
|Last Modified:||12. Feb 2013 18:34|
Covaci B., Small and medium sized enterprise (SMEs), entrepreneurship and e-banking, Landforces Academy "Nicolae Bălcescu" Conference – The knowledge based organization, Sibiu, 25 November 2007
Nistor I., Sterpu B., The role of the entrepreneurship and e-banking in developing small and medium sized enterprises activities, The Second Central European Conference in Regional Science, Slovacia, 10-13 October 2007
SMEs in Europe, 2003, Report for România - Observatory of the SMEs in Europe, The European Commision, July 2003