ANALYSIS OF THE INTEREST RATE AT THE DEPOSITS AND LOANS OF POPULATION HOUSEHOLDS PRACTICED BY CREDIT INSTITUTIONS IN ROMANIA

Elena Claudia Sîrbulescu, Luminița Pîrvulescu, Andrea Feher, Mariana Chirilă, Daniel Chirilă

Abstract


The paper presents an analysis of the interest rate, knowing the fact that it has an important role in the operation of the banking system, being the main element according to which the interest is calculated. The interest rates charged by credit institutions on deposits and loans granted to households are analyzed. The saving process has beneficial effects in terms of the development of the bank's activity because it is directly related to the volume of resources attracted. It is also demonstrated that lending is the main financing flow of a country's economy, the types of credit being diverse adapting to market requirements.


Keywords


interest; interest rate; credit institutions

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References


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Copyright (c) 2020 Elena Claudia Sîrbulescu, Luminita Pirvulescu, Andrea Feher, Mariana Chirila, Daniel Chirila

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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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