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Recent Aspects On Territorial Disparities In Financial Behaviour Of Households In Romania

Author

Listed:
  • BABUCEA ANA-GABRIELA

    (CONSTANTIN BRANCUSI UNIVERSITY OF TARGU JIU, ROMANIA)

Abstract
In the recent past, the Romanian population has experienced major effect of psychological factors on the behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered by commercial banks sometimes very easy, just "identity card". The financial crisis has compounded the effects of highrisk lending, leading in turn to many Romanian dramatic situations if we consider the impossibility of return of bank debt and the need to adopt legal regulations for restanţierii real estate loans. The major risk of the bankruptcy of the pension system questioned especially amid massive emigration of labor in EU countries, together with a demographic trend downward as he mostly adult population to turn to savings instruments, even if according to studies BNR, they remain mostly in the sphere of bank deposits even if they offer extremely low interest rates. Appealing to methods frequently used to substantiate regional development strategies, the paper aims at analyzing the degree of concentration among the 8 regions, namely overcrowding overall levels of spatial distributions on loans and deposits of households in lei and foreign currency around a typical values of these variables.

Suggested Citation

  • Babucea Ana-Gabriela, 2016. "Recent Aspects On Territorial Disparities In Financial Behaviour Of Households In Romania," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 3, pages 198-205, June.
    • Handle: RePEc:cbu:jrnlec:y:2016:v:3:p:198-205
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    File URL: http://www.utgjiu.ro/revista/ec/pdf/2016-03/38_Babucea.pdf
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    References listed on IDEAS

    as
    1. Zaharia Marian & Babucea Ana-Gabriela & Bălăcescu Aniela, 2015. "Dynamics And Their Determinants In Household Deposits In Lei. Case Of Romania After The Financial Crisis Of 2008," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 6, pages 237-240, December.
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    Cited by:

    1. Adrian Simion, 2018. "Savings Sensitivity & Economic Development Policies in Romania," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 8(6), pages 129-137, June.
    2. Babucea Ana-Gabriela & Balacescu Aniela, 2016. "An Econometrical Analysis Of The Households Saving Behaviour In Romania Case Study: The Monthly Bank Deposits," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 4, pages 5-11, August.

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    1. Babucea Ana-Gabriela, 2017. "Determinants Of The Recent Romanian Households' Financial Behaviour For Housing Loans - A Territorial Analysis At The Level Of Nuts 3 Regions," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 1, pages 71-80, December.

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