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SM ISO690:2012 NEVMERJIŢCHI, Ilie. Mecanismul de creditare a persoanelor juridice de către băncile comerciale
. In: Anuar Ştiinţific al Institutului de Relaţii Internaţionale, 2006, nr. 4, pp. 177-180. ISSN 1857-1840. |
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Anuar Ştiinţific al Institutului de Relaţii Internaţionale | |||||
Numărul 4 / 2006 / ISSN 1857-1840 | |||||
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Pag. 177-180 | |||||
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The economic activity of juridical persons is financed from own capital or by possessing credits from financial institutions, especially from commercial banks. In such a way commercial
banks must attract potential investors but also those who need financial resources for financing different investment projects.
The main function of the banks is to give credits. The general level of the risk in crediting that a bank is able to accept constitutes an executive decision and reflects the managerial
attitude. It examines the bank’ s obligation relative to its depositories and shareholders. Each bank establishes the crediting mechanism of juridical persons according to it principles of crediting. Also, each bank establishes the mechanism and term of credit restitution. The bank, independently, establishes the main requirements for taking a credit by juridical persons. The requirements for taking a credit are equal for all juridical persons, without any
discrimination. |
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