Politica monetara si creditul bancar

                                   CUPRINS
|                                                                            |
|INTRODUCERE.................................................................|
|.......................................................4                    |
|                                                                            |
|CAPITOLUL I                                                                 |
|CREDITUL....................................................................|
|.............................................5                              |
|1.1. Noţiunea de                                                            |
|credit......................................................................|
|................5                                                           |
|1.2. Clasificarea                                                           |
|creditului..................................................................|
|.............8                                                              |
|1.3. Funcţiile şi rolul creditului                                          |
|.....................................................................17     |
|1.4. Condiţiile                                                             |
|creditului..................................................................|
|..............20                                                            |
|                                                                            |
|CAPITOLUL II                                                                |
|CREDITUL                                                                    |
|BANCAR......................................................................|
|......23                                                                    |
|2.1.Concept general.                                                        |
|Trăsături...................................................................|
|.....23                                                                     |
|2.2.Resursele de                                                            |
|creditare...................................................................|
|............40                                                              |
|2.3.Angajarea resurselor                                                    |
|bancare....................................................................4|
|7                                                                           |
|                                                                            |
|CAPITOLUL III                                                               |
|CREDITAREA PERSOANELOR FIZICE ŞI JURIDICE.................52                |
|3.1. Noţiuni                                                                |
|generale....................................................................|
|..................52                                                        |
|3.2.Creditarea persoanelor                                                  |
|juridice................................................................53  |
|3.3. Creditarea persoanelor                                                 |
|fizice..................................................................60  |
|3.4.Instrumentele prin care BNR influenteaza politica de creditare          |
|a bancilor de                                                               |
|creditare...................................................................|
|.........................61                                                 |
|3.4.1.Manevrarea taxei rescontului ca politică monetară de credit........62 |
|3.4.2.Politica operaţiunilor la piaţa liberă                                |
|(open-market).......................64                                      |
|3.4.3.Sistemul rezervelor minime                                            |
|obligatorii.........................................66                      |
|3.5.Reforma                                                                 |
|bancară.....................................................................|
|..................68                                                        |
|CAPITOLUL IV                                                                |
|ROLUL CREDITELOR ÎN REFORMAREA  ECONOMIEI                                   |
|NAŢIONALE...................................................................|
|........................71                                                  |
|4.1.Consideraţii                                                            |
|generale....................................................................|
|..........71                                                                |
|4.2.Privatizarea şi capitalul                                               |
|străin.................................................................73   |
|                                                                            |
|CAPITOLUL V                                                                 |
|FINANSBANK ( ROMÂNIA ) S.A.                                                 |
|.....................................................77                     |
|5.1. Prezentare                                                             |
|generală....................................................................|
|..............77                                                            |
|5.2.Operaţiuni efectuate de Finansbank ( România )                          |
|S.A..............................79                                         |
|5.3.Produse şi servicii bancare oferite de  Finansbank ( România )          |
|S.A........83                                                               |
|5.4.Procesul de creditare specific  Finansbank ( România )                  |
|S.A....................85                                                   |
|5.4.1. Principii generale de creditare                                      |
|bancară....................................85                               |
|5.4.2. Politica de creditare a băncii Finansbank                            |
|S.A.........................88                                              |
|5.4.3. Beneficiarii creditelor acordate de  Finansbank S.A...............97 |
|5.4.4. Analiza portofoliului de credite al  Finansbank S.A..............102 |
|5.4.5. Forme de garantii acceptate de  Finansbank   S.A..................106|
|5.5.Specificitatea unor operaţiuni curente si strategice la  Finansbank     |
|( România )                                                                 |
|S.A.........................................................................|
|.........................113                                                |
|5.5.1. Acordarea unei limite de                                             |
|credit...............................................113                    |
|5.5.2. Metodologia de calcul a riscului                                     |
|bancar..................................117                                 |
|5.5.3. Măsuri de prevenire a riscului de credit în practica băncii          |
|Finansbank ( România )                                                      |
|S.A.........................................................................|
|....123                                                                     |
|CONCLUZII...................................................................|
|...............................130                                          |
|BIBLIOGRAFIE................................................................|
|.............................132                                            |
|                                                                            |
|                                                                            |

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