Theoretical and Applied Economics
No. 5 / 2014 (594)
Non-performing loans – dimension of the non-quality of bank lending/loans and their specific connections
“Alexandru Ioan Cuza” University of Iaşi, Romania
Abstract. This paper deepens the study of non-performing loans (NPLs), conceived by the author as an expression of non-quality of part of bank lending / loans, which is considered in turn, as being reflected directly by the proportions held by these loans in the total volume of loans (granted by banks). In this respect, it starts from conceptual delimitations required to perform the research, including a redefinition of NPLs (compared to the documentary sources in this area). A large part of paper is assigned, however, to the analyzes focused on econometric modelling, based on the determining relationships regarding the volume of NPLs, the author outlining appropriate regression models, taking into consideration the volume of these loans, both as dependent variable and as determinant variable within relationships with some macro indicators (the total volume of bank loans, GDP, etc.), included in these regression models, either as determinant or dependent variables. Testing them, by processing the corresponding data in Romania’s case, led to relevant results and conclusions, being also validated the models used.
Contents
Increase of company performances and shareholders’ satisfaction by using design for adaptability (DFA)
Forecasting crude oil market volatility in the context of economic slowdown in emerging markets
The sensory brand of the destination. Case study: Transylvania
Difficulties of the supporting pensioners by current employees – alternative to pension systems at international level. Empirical analysis in Romania
Single market fragmentation. The influence of the public decision system’s features upon the national decision system: A case study of the Romanian Eco-duty
Effects of macroeconomic variables on poverty in Iran (Application of bootstrap technique)
Determination of factors affecting willingness to pay for low SAR value cell phones: A case study of Turkey
Implications of the financial crisis to the relevance of Taylor rule Case study: European Union
Non-performing loans – dimension of the non-quality of bank lending/loans and their specific connections
Regional implications of salary in the European Union