RISK INDICATORS REPORTED BY PAYMENT INCIDENTS REGISTER

Daniela Harangus

Abstract


Banks collect information about the major payment incidents in the Payment Incidents Register (PIR), which comprises two files: Payment Incidents National File (PINF) and Risky Persons National File (RPNF). The paper presents the evolution of risk indicators in dynamics, during the years 2021-2022. The analyzed indicators refer to: number and amounts of rejected debit payment instruments, entities suspended from cheque-writing privileges and risky entities, both for residents and non-resident customers. The analysis of the evolution of these indicators shows the extent to which the banking regulations are implemented. The paper also presents the importance of risk indicators for banks when they decide to grant a loan or open a current account for a new client. 

Keywords


risk indicators; Payment Incidents Register; banking regulations; payment instruments; customers

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References


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Copyright (c) 2022 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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