出版社：Asociatia Generala a Economistilor din Romania - AGER
摘要：This article wants to analyze the evolution of the lending process in Romania, from 2007 to 2018, but also the evolution of prudential regulations in the field, appearing with the purpose of creating a unitary normative framework and a healthy banking system. An increased attention is given to mortgages, which have been the subject of several laws and prudential regulations in recent times. In the last part of this article, the author created an econometric model by which to estimate the evolution of credit in Euro over the next six years, in the light of the influence of three factors.
