SYNTHESIS ON THE EVOLUTION OF THE BANKING CREDIT IN ROMANIA

Abstract

The credit has a special importance in the modern economic system, playing a vital role in business financing and thus the increase in welfare by mobilizing capital availability and redistribute them according to the requirements of the economy. Economic growth stimulates the development of the credit market in times of low inflation rates, encouraging risky investments in innovative products from domestic and foreign investors, which will lead to greater economic growth in the long term. Starting from these considerations, through this paper, the authors propose to analyze the evolution of credit in Romania during the last seven years, from 2010-2017, this analysis being carried out by types of credits and types of entities. Also, an important point of the paper focuses on the positive/negative aspects of the impact of monetary policy measures and the NBR regulations on the banking credit .