EVOLUTION OF INTEREST RATES RELATING TO BANK LOANS AND DEPOSITS IN ROMANIA
Abstract
It is widely known that the level of interest rates related to loans is of primary importance, especially when it comes to the relaunch of growth in the Romanian economy. Depending on the size of the installments, the crediting of the investments can be made to a lesser or greater extent. The exit from crisis and also the relaunch of the economic growth will be unlikely without the investments secured through credits. Bank deposits are a source of financing for bank loans. I also considered as enlightening the prospect of presenting the difference between the level of interest on granted loans and those for established deposits.
Keywords
Full Text:
PDFReferences
AKINCI O., BENIGNO G., DEL NEGRO M., QUERALTO A., 2021, The Financial (In)Stability Real Interest Rate, R**, International Finance Discussion Papers 1308, Washington: Board of Governors of the Federal Reserve System
AKINCI O., QUERALTO A., 2022, Credit Spreads, Financial Crises, and Macroprudential Policy, American Economic Journal: Macroeconomics, American Economic Association, 14(2), 469-507
AL-SLEHAT Z. A. F., 2022, Effect of interest rate risk on financial performance the mediating role of banking security degree: evidence from the financial sector in Jordan, Business: Theory and Practice, 23(1), 165–174
ANGHEL M.G., 2015, Analiză financiar-monetară, Editura Economică, Bucureşti
DARDAC N., BARBU T., 2009, Monedă, Editura ASE, Bucureşti
FEHER A., SÎRBULESCU C., SĂLĂȘAN C., PAȘCALĂU R., HARANGUȘ D., BĂNEȘ A., RAICOV M., 2020, Study on the level of lending to economic sectors in Romania, Lucrări Ştiinţifice, Management Agricol, XXII (2), 2013-2018
GAMBACORTA L., 2008, How do banks set interest rates?, European Economic Review, 52(5), 792-819
HUERTA DE SOTO J., 2006, Money, Bank Credit, and Economic Cycles, 3th edition, Ludwig von Mises Institute, Auburn
LUKASA M., NOTH M., 2019, Interest Rate Changes and Borrower Search Behavior, ournal of Economic Behavior & Organization, 163, 172-189
ROTHBARD M.N, 2009, Man, Economy, and State, vol. I, Ludwig von Mises Institute, Auburn
SÎRBULESCU C., PÎRVULESCU L., IANCU T., SÎRBU C., 2014, Study on banking system in România, Lucrări Ştiinţifice, Management Agricol, XVI (3), 34-41
SIRBULESCU C., PIRVULESCU L., IOSIM I., GHERMAN R., IANCU T., 2019, Study regarding the interest rates practiced by the credit institutions and their role in the banking activity, SGEM-Conference Proceeding, 6(1), 461-470
NBR, https://www.bnro.ro, accessed on 18.01.2024
https://www.bursa.ro, accessed on 22.03.2024
https://www.banknews.ro/utile/informatii-despre-credite, accessed on 20.03.2024
https://www.capital.ro, accessed on 19.03.2024
https://www.ecb.europa.eu/pub/pdf/other/whypricestabilityro.pdf, accessed on 19.03.2024
https://dexonline.ro/definitie, accessed on 19.03.2024
O.G. nr. 13 din 2011 privind dobânda legală remuneratorie şi penalizatoare pentru obligaţii băneşti, precum şi pentru reglementarea unor măsuri financiar-fiscale în domeniul bancar, publicată în Monitorul Oficial nr. 607 din 29.8.2011, Available on https://legeaz.net/text-integral/og-13-2011-dobanda-legala-remuneratorie-penalizatorie
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 Elena Claudia Sîrbulescu, Simion Alda, Mariana Chirila, Daniel Chirila
This work is licensed under a Creative Commons Attribution 4.0 International License.
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
______________________________________________________________________________________________
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
E-mail: tabitaadamov2003 [at] yahoo.com
Phone: +40-256-277439, Fax.: +40-256-277031