Perspectives for avoiding and optimizing the credit risks of the national economy entities
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2024-02-11 23:12
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NEGOIȚA, Ioan, COBZARI, Ludmila. Perspectives for avoiding and optimizing the credit risks of the national economy entities. In: Simpozion ştiinţific al tinerilor cercetători , Ed. 19, 16-17 aprilie 2021, Chişinău. Chişinău Republica Moldova: Centrul Editorial-Poligrafic al ASEM, 2021, Ediţia 19, Vol.3, pp. 91-94. ISBN 978-9975-155-43-4 (PDF). 10.5281/zenodo.5669933
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Dublin Core
Simpozion ştiinţific al tinerilor cercetători
Ediţia 19, Vol.3, 2021
Simpozionul "Simpozion ştiinţific al tinerilor cercetători"
19, Chişinău, Moldova, 16-17 aprilie 2021

Perspectives for avoiding and optimizing the credit risks of the national economy entities

Perspective de evitare și optimizare a riscurilor de creditare a entităților din economia națională

JEL: E58, G21, G23

Pag. 91-94

Negoița Ioan, Cobzari Ludmila
 
Academia de Studii Economice din Moldova
 
Disponibil în IBN: 29 decembrie 2021


Rezumat

The article describe that the main economic function of commercial banks is to provide services in the field lending. Lending activity, on the one hand, aims to increase the bank's income, on the other part, if we refer to the role of the bank in the macroeconomic system, the lending activity has the purpose of obtaining an essential increase in share capital. From the composition of the portfolio of Loans are part of various types of lending operations, which differ in subject and object lending. The banking supervision function aims to ensure the proper functioning of the financial system of the Republic of Moldova based on a strong and competitive banking sector oriented towards market relations and risk prevention. In this context, the National Bank of Moldova, according to the powers and rights conferred by law, inspects banks both remotely and in the field.

Cuvinte-cheie
Credit risks, banking system, loans, banking services.