Evaluating the financiery banking risk

Stelian PÂNZARU

Abstract


Commercial banks that were formed in Romania after the 1989’s are societies based on stocks and have an universal feature meaning they manage all the products and banking services for all the fields and levels of the branches, sectors and segments of the national economy. There are no narrow specialized banks, at least not in this transition period. For example, before World War II the specialization has gone so far in banking sector that there were particularly organized banks only for loans on mortgage.

Banking risks represent a source of unexpected expenses, therefore it is compulsory for a bank to have a proper and an adequate management in order to establish the incomes. This paper presents the importance of the awareness upon a strategic role and a good handling of the banking risks both in dealing with traditional products and services, as well as with new and modern ones.

 

 


Keywords


banking, commercial, expense, financier, management, risk

References


Abiad, A.G., Mody, A. (2005), Financial Reform: What Shakes It? What Shapes It? American Economic Review.

Albertazzi, U., Gambacorta, L. (2009), Bank Profitability and the Business Cycle, Journal of Financial Stability.

Allen, F., Gale, D. (2007), Understanding Financial Crises Oxford University Press, New York, USA.

Beck, T., Demirgüç-Kunt, A., Levine, R. (2006), Bank Concentration, Competition, and Crises: First Results Journal of Banking & Finance.

Grey, S. (2000), Practical Risk Assessment for Project Manager, John Wiley & Sons Pte Ltd.

Young, W. S. (2005), Management Risk and insurance Seventh Edition, Ed. McGraw-Hill, New York.




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