期刊名称：Analele Universităţii Constantin Brâncuşi din Târgu Jiu : Seria Economie
印刷版ISSN：1844-7007
出版年度：2014
期号：5
页码：81-87
语种：English
出版社：Academica Brâncuşi
摘要：The banking sector has a special significance in each country's economy,being a constant concern for the authorities,both at national and Community level.To reduce the substantial differences between national laws on consumer credit,the European Commission issued Directive 2008/48/EC on credit agreements for consumers,transposed into Romanian legislation by the now legendary,Emergency Ordinance nr.50/2010.But what followed after the adoption of this ordinance surpassed imagination: some banks refused to make the adjustments provided by the law and they were sued in an enormous proportion by their customers,the consequence was very natural: huge losses and negative advertising.Instead,the banks which have complied with the directive came out very well from the crisis: greater number of customers,increased market share and,ultimately,an unexpected profit for this time of crisis.This article treats,,the war between banks and their own customers" and mainly its winners and losers.
