EuroEconomica, Vol 28, No 2 (2011)

Premises and alternatives for dimensioning the enterprises bank credits

Bogdan-Florin Filip


The paper deals with bank lending to economic agents from the premises and objectives of conducting this process by outlining the determinants of the extent to which banks can lend firms. In this regard, reference is made of financing and economic systems recognized in current theory and practice that have implications for the size of bank loans used by businesses. In particular, it cited the specific context of "economics of debt from banks, as outlined certain guidelines and limits that are to be taken into account by banks when determining the maximum loan that can be given.

The central place is in the paper, sizing alternatives to bank loans by assessments made according to the specific determinants of work in concrete terms, the beneficiary companies. In particular, research work deepens the quantification of bank loans to assets necessary for the formation of economic assets. In this regard, consideration is sizing options (credit) promoted in banking practice, but it outlines the possibility of applying other solutions, especially one focused on the study of mathematical and statistical processing of the information provided electronically, usually through the levels certain synthetic indicators, which represent a factor / variable-issue compared to the factor / variable-effect, which is the maximum allowable credit.


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