Creditul bancar – Suport al finanţării economiei naţionale [Articol]

Abstract

Loans are normally the most significant component of a bank’s assets. These include loans for general working capital (overdrafts), investment lending, asset-backed installment and mortgage loans, financing of debtors (accounts receivable and credit card accounts). Loans are extended in domestic and foreign currency and are provided by banks as financing for public or private sector investment. In the past decade, innovation has increased the marketability of bank assets through the introduction of sales of assets such as mortgages, automobile loans, and export credits. Evaluation of trade credits may reveal important trends in competitiveness of the economy and its terms of trade.