文章基本信息

标题：The Analysis of Financial Conditions Imposed by Banks for the Approval of Long Term Credits Requested by Economical Agents
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作者：Radu Riana Iren
期刊名称：Ovidius University Annals: Economic Sciences Series
电子版ISSN：2393-3127
出版年度：2010
卷号：10
期号：2
语种：English
出版社：Ovidius University Press
摘要：Amid economic crisis,more and more companies are facing financial deficits. In these circumstances it is necessary to find solutions to finance economical activity. Given the demand contraction and financial blockade,calling the long-term loans for development or at least maintaining the basic business parameters,it appears strongly as an attractive option for economical agents. Unfortunately,due to pronounced financial risk on this period of crisis and due to currency loans required by the state,banks have been tightening ever more theirs conditions and it have been increasing the collateral requirements also. In this debate,I am proposing to shortly describe the necessary steps to be taken for credit obtaining,and also to make a critical analysis of financial conditions imposed by banks for the approval of long term loans. Shortly exemplification of reliability analysis made by banks on this occasion,through financial indicators,will be also done.
关键词：credit crisis;guarantees;payment terms