Munich Personal RePEc Archive

Sistemul financiar-bancar in era Next Generation EU

Danila, Marius Ioan (2021): Sistemul financiar-bancar in era Next Generation EU. Published in: Contributors.ro (6 May 2021)

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The global coronavirus pandemic (COVID-19) has triggered an unprecedented crisis, creating social, political, economic and financial challenges for both Europe and the rest of the world. Faced with all these challenges, governments have implemented ambitious measures to support companies and households. Micro and macro prudential authorities have complemented these efforts, in particular by sending a strong signal to banking institutions to use existing capital buffers in order to continue to provide essential financial services and absorb losses, while avoiding a sudden and excessive reduction in lending, which would be detrimental to the economy. Support from governments and prudential authorities, together with monetary policy measures at European level, has maintained financial stability. Credit risk must be a key priority for the relevant authorities. Ensuring that problematic exposures are properly managed and in a timely manner will be essential to prevent the accumulation of non-performing loans. It is also important for banks to consider all available information and to develop new alternative credit risk indicators that take into account the economic environment, the implementation of moratoriums and other support schemes.

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