ISSN: 2344 - 102X
ISSN-L: 2344 - 102X
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Article from Volume 7, Number 3, Year 2019SUSTAINABILITY OF FINANCIAL INTERMEDIATION - THE MAIN CHALLENGE OF THE BANKING FINANCIAL SYSTEM IN ROMANIA | Download | Author(s): Anisoara Niculina Apetri | DOI: 10.4316/EJAFB.2019.731 | | Abstract: The main objective of the financial system in an economy is to ensure long-term economic growth through the efficient financing of the economy. Thus the purpose of this research is to analyze and evaluate the level of financial intermediation at the level of the financial-banking system in Romania in the post-crisis period. The objectives set to be achieved through this research refer to identifying the level of the degree of financial intermediation and formulating measures to improve it. In order to achieve these objectives, we have used a series of statistical methods of centralization and graphical representation of the data regarding the evolution of credit granted to the private sector and GDP, data available on the National Bank of Romania's website. The conclusions of the study highlight a low level of financial intermediation in Romania and propose a set of measures to improve its level. | Keywords: Financial-banking Sector; Financial Intermediation; Non-performing Loans (NPL); Sustainability Of Financial Intermediation | References: 1. Andrie?, A.M. (2010). Performan?a ?i Eficien?a Activit??ii Bancare. Alexandru Ioan Cuza, Ia?i, Romania.
2. Apetri, A.N. (2018). Considera?ii Privind Sistemul Bancar Din România în Contextual Revizuirii Cadrului European De Reglementare. Casa C?r?ii De ?tiin?a, Cluj Napoca, Romania.
3. Apetri, A.N., Mihalciuc, C.M. (2018). Synthesis On The Evolution Of The Banking Credit In Romania. European Journal Of Accounting, Finance And Busines. Retrieved August 15, 2019 From: Http://www.accountingmanagement.ro/index.php?pag=showcontent&issue=16&year=2018.
4. Apetri, A.N., Mihalciuc, C.M. (2019). Evolution Analysis Of Credits By Sectors Activity In Romania. The USV Annals Of Economics And Public Administration. Retrieved June 15, 2019 From: Http://www.annals.seap.usv.ro/index.php/annals/article/viewFile/1076/945. V
5. Boot, A., Thakor, A. (1997). Financial System Arhitecture. The Review Of Financial Studies, 10(3), 693-733.
6. Corduneanu, C. (2006). Pie?e De Capital. Teorie ?i Practic?. Mirton, Timisoara, Romania.
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8. Freixas, H., Rochet, J.C. (2008). Microeconomics Of Banking. MIT Press. Retrieved June 10, 2019 From: Https://books.google.ro/books?hl=ro&lr=&id=vdrxCwAAQBAJ&oi=fnd&pg=PR15&dq=5.+Freixas+H.,+Rochet,+J.C.+(2008).+Micro Economics+of+banking.+Publishing+House+MIT+Press&ots=Xn1sd6qHnB&sig=Nu_e9FQ1FsrVD_lPEnJSP76HTpc&redir_esc=y#v =onepage&q&f=false.
9. Howells, P., Bailn, K. (2005). The Economics Of Money, Banking And Finance – A European Text. Pearson Educational Limited. Retrieved
July 15, 2019 From: Https://epdf.pub/the-economics-of-money-banking-and-finance-a-europeantext8971be541fd76262b824acf70eaa1d38283.html.
10. Lazea, V. (n.d.). Intermedierea Financiar?: Probleme ?i Posibile Solu?ii. Retrieved August 10, 2019 From: Https://bnr.ro/Caiete-de-studii484.aspx.
11. National Bank Of Romania (NBR). (2018). Financial Stability Report. Retrieved September 24, 2019 From Https://www.bnr.ro/Publicatiiperiodice-204.aspx.
12. PWC. (2019). Studiu Privind Cre?terea Intermedierii Financiare în România [Study On Increasing Financial Intermediation In Romania], Martie 2019. Retrieved June 25, 2019 From: Https://media.hotnews.ro/media_server1/document-2019-03-15-23031100-0-studiu-arbcresterea-intermedierii-financiare-romania.pdf.
13. V?c?rel, I., Bistriceanu, Gh. (2007). Finna?e Publice. Edi?ia A VI-a, Publishing House Didactic? ?i Pedagogic?, Bucharest, Romania.
14. Vlad, M. (2018). Credit Portfolio Quality Assessment In The Romanian Banking System. European Journal Of Accounting, Finance And Busines. Retrieved July 14, 2019 From: Http://www.accounting-management.ro/index.php?pag=showcontent&issue=18&year=2018.
15. ***Bancile Din Romania Acorda Mai Multe Credite De Consum Decat Cele Din Austria Si De 10 Ori Mai Putine Finantari Pentru Firme Decat In Polonia [Banks In Romania Grant More Consumer Loans Than In Austria And 10 Times Less Financing For Companies Than In Poland]. Retrieved September 15, 2019 From: Https://www.bancherul.ro/stire.php?id_stire=18417&titlu=bancile-din-romania-acorda-mai-multecredite-de-consum-decat-cele-din-austria-si-de-10-ori-mai-putine-finantari-pentru-firme-decat-in-polonia.
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