Risk Management Era in European Credit Institutions: Predictable Mutation in XXI Century

In the market economy, globalization, liberalization and diversification of financial markets, fierce competition between the credit institutions and many of the products and services offered by them are the main factors that have exposed the banking sector to new risks, while leading to multiple ch...

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Published inProcedia economics and finance Vol. 16; pp. 314 - 319
Main Authors Constantinescu, Liliana-Aurora, Constantinescu, Adrian, Dumitrescu, Alexandra
Format Journal Article
LanguageEnglish
Published Elsevier B.V 2014
Subjects
credit institutions
credit policies
profit
risk
stability
credit policies
credit institutions
risk
profit
stability
Online AccessGet full text
ISSN2212-5671
2212-5671
DOI10.1016/S2212-5671(14)00808-9

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Abstract In the market economy, globalization, liberalization and diversification of financial markets, fierce competition between the credit institutions and many of the products and services offered by them are the main factors that have exposed the banking sector to new risks, while leading to multiple challenges. For these reasons it is becoming increasingly important both permanent innovation and risk management techniques tools as well as banking performance. Only a pertinent analysis and a very good knowledge of the new tendencies in banking financial risk management can provide credit institutions in Romania efficient options on their use of management, while obtaining a higher profitability and an adequate level of liquidity.
AbstractList In the market economy, globalization, liberalization and diversification of financial markets, fierce competition between the credit institutions and many of the products and services offered by them are the main factors that have exposed the banking sector to new risks, while leading to multiple challenges. For these reasons it is becoming increasingly important both permanent innovation and risk management techniques tools as well as banking performance. Only a pertinent analysis and a very good knowledge of the new tendencies in banking financial risk management can provide credit institutions in Romania efficient options on their use of management, while obtaining a higher profitability and an adequate level of liquidity.
Author Constantinescu, Adrian
Constantinescu, Liliana-Aurora
Dumitrescu, Alexandra
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  email: alexandra_d_c@yahoo.com
  organization: Faculty of Economic and Sciences, Lucian Blaga University Sibiu, Romania
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Keywords credit policies
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risk
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stability
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References Cabat, D. (2012) Bancile romanesti nu sunt pregatite pentru Basel III, Magazine Wall Street.
Constantinescu, D (2009) Management Bancar, Bren edition, Bucharest.
Constantinescu Adrian (2011), Constantinescu Liliana-Aurora (2011) Risk management strategies and solutions for 21 Century Europe, Review of General Management, vol. 14, Issue 2, ISSN 1841-818x CNCSIS B+;.
Ciocoiu (2006) Managementul riscului in afaceri si proiecte, ASE edition, Bucharest.
Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) The stability risk and. performance of cooperative banks, Review of General Management, vol. 17, Issue 1, ISSN 1841 818x, p. 201-208;.
Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) Challenges, opportunities and solutions in europeran banking system, Knowledge Horizons-Economic, vol. 5, Issue 4.
Daianu, D (2008) What this financial crisis teaches us, Europa Voice.
Economic crisis and the main priorities of the European Union for 2020, Bulletin of the Transilvania University of Brasov, Economic Sciences, vol. 6(55), No. 1.
Constantinescu Liliana-Aurora (2009) Managementul performant al băncilor cooperatiste într-o Românie modernă, europeană, 3rd edition, revised and enlarged. ISBN 978-973-131-056-5, ISBN 978-973-131-043-5, CNCSIS, p. 260.
Bogdan, I (2009) Managementul riscului in afaceri intre realitatile si cerintele lumii contemporane, Editutura Universitatii, Bucharest.
Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) The global Financial-.
Constantinescu Adrian (2011), Constantinescu Liliana-Aurora (2011) Multiple challenges of risk management in EU credit institutions, Buletin of the Transilvania University of Brasov, vol. 4(53), ISSN 2065-2194 CNCSIS B+;.
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References_xml – reference: Constantinescu Liliana-Aurora (2009) Managementul performant al băncilor cooperatiste într-o Românie modernă, europeană, 3rd edition, revised and enlarged. ISBN 978-973-131-056-5, ISBN 978-973-131-043-5, CNCSIS, p. 260.
– reference: Bogdan, I (2009) Managementul riscului in afaceri intre realitatile si cerintele lumii contemporane, Editutura Universitatii, Bucharest.
– reference: Cabat, D. (2012) Bancile romanesti nu sunt pregatite pentru Basel III, Magazine Wall Street.
– reference: Constantinescu Adrian (2011), Constantinescu Liliana-Aurora (2011) Risk management strategies and solutions for 21 Century Europe, Review of General Management, vol. 14, Issue 2, ISSN 1841-818x CNCSIS B+;.
– reference: Economic crisis and the main priorities of the European Union for 2020, Bulletin of the Transilvania University of Brasov, Economic Sciences, vol. 6(55), No. 1.
– reference: Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) The global Financial-.
– reference: Ciocoiu (2006) Managementul riscului in afaceri si proiecte, ASE edition, Bucharest.
– reference: Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) The stability risk and. performance of cooperative banks, Review of General Management, vol. 17, Issue 1, ISSN 1841 818x, p. 201-208;.
– reference: Daianu, D (2008) What this financial crisis teaches us, Europa Voice.
– reference: Constantinescu, D (2009) Management Bancar, Bren edition, Bucharest.
– reference: Constantinescu Adrian (2011), Constantinescu Liliana-Aurora (2011) Multiple challenges of risk management in EU credit institutions, Buletin of the Transilvania University of Brasov, vol. 4(53), ISSN 2065-2194 CNCSIS B+;.
– reference: Constantinescu Adrian (2013), Constantinescu Liliana-Aurora (2013) Challenges, opportunities and solutions in europeran banking system, Knowledge Horizons-Economic, vol. 5, Issue 4.
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SubjectTerms credit institutions
credit policies
profit
risk
stability
Title Risk Management Era in European Credit Institutions: Predictable Mutation in XXI Century
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