期刊名称：Annals of the University of Oradea : Economic Science
印刷版ISSN：1222-569X
电子版ISSN：1582-5450
出版年度：2009
卷号：XVIII
期号：03
出版社：University of Oradea
摘要：Traditionally, banks conduct standard credit evaluation such as credit scoring following the receipt of loan
request and make the accept/reject decision accordingly. The major cause of the serious banking problems
continues to be closely related to: the standards of the granted loan, the weak management of the loans‟
portfolio, a lack of attention to the changes in the economic circumstances, which can lead to a
deterioration of the credits granted by banks. The non-performing loans generate the biggest risk
management expenses for the bank. The maximum level of the costs is reached for loans passed as losses,
which can‟t be retrieved and are covered from the provisions‟ fund or the risk fund. Covering these losses
leads to an adequate diminution of the bank‟s assets and liabilities, therefore to a reduction of the
activities‟ volume.
关键词：non-performing loans, quality of the portfolio‟s credits, risk, causes.
