期刊名称：Ovidius University Annals: Economic Sciences Series
电子版ISSN：2393-3127
出版年度：2011
卷号：11
期号：1
语种：English
出版社：Ovidius University Press
摘要：The refinancing loan has represented until recently,for individuals,a complicated,expensive and risky way to finance current financial needs. Until the outbreak of the economic and financial crisis,banks were offering more credit alternatives,refinancing being relatively sidelined in the loan portfolio both for businesses and individuals. The deepening and the continuation of the crisis,plus a slight increase in the rate of overdue and doubtful loans,have determined the banking environment to look for other ways to slow down this phenomenon. Promoting refinancing loan,not only at the inter-banking level,but also in relations with non-bank customers,may be a way of recovery,in this context many persons being unable to pay outstanding rates.
