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- Title
THE TYPOLOGY OF BANK CREDIT FOR FINANCING THE POPULATION'S HOUSEHOLDS IN ROMANIA.
- Authors
SÎRBULESCU, ELENA CLAUDIA; PIRVULESCU, LUMINITA; FEHER, ANDREA; ALDA, LIANA MARIA; DINCU, ANA-MARIANA
- Abstract
The paper presents the typology of credits granted to the population, in order to understand the evolution of lending in Romania, as well as new trends, capturing the economic and social influences induced by loans granted to the population under the impact of the global crisis. Bank loans are used to finance the needs of households, in particular to reduce the variability over time of their consumption pattern and help them invest in real estate. The methods used by the authors consisted in data collection, documentary analysis, synthesis, graphic representation. Understanding the behavior of regular customers and transforming them into sophisticated customers, forces banks to build their management policy to meet customer requirements in the relationship with the bank, using elements such as presentation, perspective, positioning, quality of services provided, and improving distribution. We can conclude that the evolution of loans granted to the population in Romania has an upward trend.
- Subjects
ROMANIA; CONSUMPTION (Economics); HOUSEHOLDS; SOCIAL influence; QUALITY of service; BANK management
- Publication
Agricultural Management / Lucrari Stiintifice Seria I, Management Agricol, 2021, Vol 23, Issue 2, p308
- ISSN
1453-1410
- Publication type
Article