Calitatea portofoliului de credite pe sistemul bancar al RM

Abstract

Lending is the main operation in banking. Indeed, loans are the leading type of investment for bankers. The way a bank allocates customers’ funds is vitally important for economical development on both local and national levels. On the other hand, every bank assumes several relevant risks while offering loans, consequently banks usually incur losses if their debtors have not honored their liabilities on due dates. However, regardless the level of the risk assumed, credit portfolio losses may be diminished if the lending process is operated properly. From this point of view, the most significant function of management is to thoroughly monitor the quality of loan portfolio, since poor quality of it is the main cause of bankruptcy.