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  • 标题:Impact of Credit Restructuring on the Quality of Bank Asset Portfolio. A Cluster Analysis Approach
  • 其他标题:Impact of Credit Restructuring on the Quality of Bank Asset Portfolio. A Cluster Analysis Approach
  • 本地全文:下载
  • 作者:Dardac, Nicolae ; Barbu, Teodora Cristina ; Boitan, Iustina Alina
  • 期刊名称:Acta Universitatis Danubius. Oeconomica
  • 印刷版ISSN:2065-0175
  • 电子版ISSN:2067-340X
  • 出版年度:2011
  • 卷号:7
  • 期号:3
  • 语种:English
  • 出版社:Danubius University
  • 摘要:In this paper we proposed an analysis of the financial crisis impact on the procedures for management of loan portfolios in several banking systems. Despite ample liquidity injection programs implemented by major central banks and government actions, credit risk remains a key challenge of the current banking systems. On a medium term, the high percentage of bad loans has become a structural vulnerability. To maintain an acceptable quality of loan portfolios and not to damage the prudential and profitability indicators, credit institutions in EU member states have proceeded to apply various techniques for credit restructuring. The quantitative analysis carried out in the last part of the paper revealed a relatively moderate granularity of banking systems considered, in terms of capitalization, volume of bank reserves and net provisions, in response to the persistent trend of loan portfolio deterioration.
  • 关键词:financial crisis; credit portfolio; credit restructuring methods; cluster analysis;E58; G01
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