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Statistical approaches of the credit and the banking rating in the national economy

Author(s): Ion PÂRTACHI | Lilian HANCU | Stella ENACHI

Journal: Economia : Seria Management
ISSN 1454-0320

Volume: 12;
Issue: 2;
Start page: 114;
Date: 2009;
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Keywords: bank credits | evolution | rating | the balance credit/deposits | weight of credits

The appearance of the credit is closely related to the appearance of the commercial banks, the mobilization of the monetary disposals on the market and their efficient placement to the funds solicitors is being accomplished through credits. The credit giving can be generally described as the process through which a certain value is loaned to a potential debtor which has a certain activity, accepting a financial risk to the possibility that that person/entity may not be capable to fulfill their obligations in the future.
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