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ISSN: 2344 - 102X
ISSN-L: 2344 - 102X
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Article from Volume 7, Number 1, Year 2019| THE IMPACT OF NON-PERFORMING LOANS RATE AND OF INFLATION RATE ON THE INTEREST RATE IN ROMANIA | 
Download | | Author(s): Gheorghe Morosan, Iulian Condratov, Liliana Filipciuc | | DOI: 10.4316/EJAFB.2019.719 | | Abstract: The aim of this study was to demonstrate the influence of non-performing loans rate and of the inflation rate on the interest rate growth on newly granted loans in Romania. The study was conducted on the basis of data gathered from the National Bank of Romania and the National Institute of Statistics during the period 2010- 2018. The method used to study this relationship is the multiple linear regression. Based on the results obtained, we have been able to detect the link among the three selected variables, namely: the non-performing loan rate, the inflation rate, the interest rate on credits; building 4 models of functions according to the types of credits selected for analysis. The present study is structured as follows: in the first section we presented the literature review, in the second section we described notions and theoretical concepts regarding the non-performing loans and interest, the third section provides the database, the results and the conclusions of the study. | | Keywords: Non-performing Loans; Interest Rate; Inflation Rate | References:
1. Bredl, S. (2017). The Role Of Non-performing Loans In The Transmission Of Monetary Policy. Deutsche Bundesbank (work In Progress; The Paper Represents The Authors' Personal Opinions And Does Not Necessarily Reflect The Views Of The Deutsche Bundesbank Or Its Staff). Retrieved January 20, 2019 From:
Https://www.nbb.be/doc/ts/enterprise/conferences/mpc-taskforce-2018/01-02a-sebastian_bredl_paper.pdf.
2. Cocri?, V., Nucu, A.E. (2013). Interest Rate Channel In Romania: Assessing The Effectiveness Transmission Of Monetary Policy Impulses To Inflation And Economic Growth. Theoretical And Applied Economics, 2(579), 37-50.
3. Jolevski, L. (2017). The Impact Of The Non-performing Loans To Banks’ Performance: The Case Of The Republic Of Macedonia. Journal Of Economics And Market Communication, 14(2), 184-197, DOI: 10.7251/EMC1702184J.
4. Makri, V. (2014). Determinants Of Non-Performing Loans: The Case Of Eurozone. Panoeconomicus, 2, 193206, DOI: 10.2298/PAN1402193M.
5. Ma?cu, S., Pescu, M. (2016). The Impact Of Macroeconomic Factors On Non-performing Loans In Romania: A Time Series Analysis. International Finance And Banking Conference, FI BA (XIVth Edition), 231-239, Bucharest: Theoretical And Applied Economics. Special Issue.
6. Mileris, R. (2012). Macroeconomic Determinants Of Loan Portfolio Credit Risk In Banks. Izerine Ekonomika-Engineering Economics, 23(5), 496-504, DOI: 10.5755/j01.e.23.5.1890.
7. Nkusu, M. (2011). Nonperforming Loans And Macrofinancial Ulnerabilities In Advanced Economies. International Monetary Fund Working Paper, WP/11/161. Retrieved January 20, 2019 From: Https://www.researchgate.net/profile/Mwanza_Nkusu/publication/228305349_Nonperforming_Loans_and_ Macrofinancial_Vulnerabilities_in_Advanced_Economies/links/00b7d5373ac3246dcf000000.pdf.
8. Pop, I.D., Chicu, N., R?du?u, A. (2018). Non-performing Loans Decision Making In The Romanian Banking System, Management & Marketing. Challenges For The Knowledge Society, 13(1), 761–776, DOI: 10.2478/mmcks-2018-0004.
9. Radivojevic, N. (2017). Examining Of Determinants Of Non-performing Loans. Prague Economic Papers, 26(3), 300-316, DOI: 10.18267/j.pep.615.
10. ***Order No. 6/2014 Regarding The Approval Of The Methodological Norms On The Preparation Of FINREP Financial Statements At The Individual Level, In Compliance With The International Financial Reporting Standards, Applicable To Credit Institutions For Prudential Supervision Purposes Published In The Official Gazette No. 699 Of 24/09/2014.
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