Home Part 1 ASPECTS REGARDING THE MECHANISM OF BANK LENDING FOR INDIVIDUALS

 

ASPECTS REGARDING THE MECHANISM OF BANK LENDING FOR INDIVIDUALS

 

 

David Delia *, Szabo Ioan Alexandru **

* lecturer PhD, Western University of Vasile Goldiş Arad, Faculty of   Economics Sciences, E-mail : This e-mail address is being protected from spambots. You need JavaScript enabled to view it

** Assoc.Prof, PhD, Western University of Vasile Goldiş Arad, Faculty of Economics Sciences, E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

 

 

Abstract

The crediting transactions are very important within the intermediation activity which the commercial banks perform and these represent at the same time the main asset transactions. The manner of approach of this activity differs depending on the type of the client who can be an individual, a legal entity or a credit institution.

We aim at emphasizing aspects related to the loans granted to individuals by commercial banks and especially at underlining the importance of the choice regarding the risk evaluation method when analyzing the credit file. In regards to the research methodology, we used the descriptive method. We conducted a qualitative research based on the observation of some aspects, as well as a quantitative one. The conclusions of the achieved study are presented at the end of this paper.

Keywords: commercial banks, lend mechanism , individuals, credit scoring method, discriminatory analysis.

JEL Classification: C02, G21

 

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