RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA
In the recent past, the Romanian population has experienced major effect of psychological factors on the behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered by commercial banks sometimes very easy, just "identity card". T...
| Main Author: | |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Academica Brâncuşi
2016-06-01
|
| Series: | Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie |
| Subjects: | |
| Online Access: | http://www.utgjiu.ro/revista/ec/pdf/2016-03/38_Babucea.pdf |
| _version_ | 1811312330425761792 |
|---|---|
| author | BABUCEA ANA-GABRIELA |
| author_facet | BABUCEA ANA-GABRIELA |
| author_sort | BABUCEA ANA-GABRIELA |
| collection | DOAJ |
| description | In the recent past, the Romanian population has experienced major effect of psychological factors on the
behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered
by commercial banks sometimes very easy, just "identity card". The financial crisis has compounded the effects of highrisk
lending, leading in turn to many Romanian dramatic situations if we consider the impossibility of return of bank
debt and the need to adopt legal regulations for restanţierii real estate loans.
The major risk of the bankruptcy of the pension system questioned especially amid massive emigration of labor
in EU countries, together with a demographic trend downward as he mostly adult population to turn to savings
instruments, even if according to studies BNR, they remain mostly in the sphere of bank deposits even if they offer
extremely low interest rates. Appealing to methods frequently used to substantiate regional development strategies, the
paper aims at analyzing the degree of concentration among the 8 regions, namely overcrowding overall levels of
spatial distributions on loans and deposits of households in lei and foreign currency around a typical values of these
variables. |
| first_indexed | 2024-04-13T10:34:19Z |
| format | Article |
| id | doaj.art-e82adcba59f54ebb847df376f8e963b3 |
| institution | Directory Open Access Journal |
| issn | 1844-7007 1844-7007 |
| language | English |
| last_indexed | 2024-04-13T10:34:19Z |
| publishDate | 2016-06-01 |
| publisher | Academica Brâncuşi |
| record_format | Article |
| series | Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie |
| spelling | doaj.art-e82adcba59f54ebb847df376f8e963b32022-12-22T02:50:05ZengAcademica BrâncuşiAnalele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie1844-70071844-70072016-06-0113198205RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIABABUCEA ANA-GABRIELA0“CONSTANTIN BRÂNCUŞI” UNIVERSITY OF TÂRGU JIU, ROMANIA In the recent past, the Romanian population has experienced major effect of psychological factors on the behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered by commercial banks sometimes very easy, just "identity card". The financial crisis has compounded the effects of highrisk lending, leading in turn to many Romanian dramatic situations if we consider the impossibility of return of bank debt and the need to adopt legal regulations for restanţierii real estate loans. The major risk of the bankruptcy of the pension system questioned especially amid massive emigration of labor in EU countries, together with a demographic trend downward as he mostly adult population to turn to savings instruments, even if according to studies BNR, they remain mostly in the sphere of bank deposits even if they offer extremely low interest rates. Appealing to methods frequently used to substantiate regional development strategies, the paper aims at analyzing the degree of concentration among the 8 regions, namely overcrowding overall levels of spatial distributions on loans and deposits of households in lei and foreign currency around a typical values of these variables.http://www.utgjiu.ro/revista/ec/pdf/2016-03/38_Babucea.pdfhousehold depositshousehold creditsStruck coefficientRomanian development regions |
| spellingShingle | BABUCEA ANA-GABRIELA RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie household deposits household credits Struck coefficient Romanian development regions |
| title | RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA |
| title_full | RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA |
| title_fullStr | RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA |
| title_full_unstemmed | RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA |
| title_short | RECENT ASPECTS ON TERRITORIAL DISPARITIES IN FINANCIAL BEHAVIOUR OF HOUSEHOLDS IN ROMANIA |
| title_sort | recent aspects on territorial disparities in financial behaviour of households in romania |
| topic | household deposits household credits Struck coefficient Romanian development regions |
| url | http://www.utgjiu.ro/revista/ec/pdf/2016-03/38_Babucea.pdf |
| work_keys_str_mv | AT babuceaanagabriela recentaspectsonterritorialdisparitiesinfinancialbehaviourofhouseholdsinromania |