{"id":3164,"date":"2020-07-30T23:46:24","date_gmt":"2020-07-30T23:46:24","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=3164"},"modified":"2020-07-30T23:49:29","modified_gmt":"2020-07-30T23:49:29","slug":"influenta-variabilelor-macro-economice-asupra-ratei-riscului-de-credit-si-impactul-asupra-capitalurilor-si-locurilor-de-munca-disponibile-florin-andrei","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/influenta-variabilelor-macro-economice-asupra-ratei-riscului-de-credit-si-impactul-asupra-capitalurilor-si-locurilor-de-munca-disponibile-florin-andrei\/","title":{"rendered":"Influence of the macroeconomic variables on the credit risk rate and impact on the available capitals and jobs - Florin Andrei"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3164\" class=\"elementor elementor-3164\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ac63ad8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ac63ad8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31022221\" data-id=\"31022221\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f376772 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f376772\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5b08e9bd\" data-id=\"5b08e9bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17ac18a4 elementor-widget elementor-widget-text-editor\" data-id=\"17ac18a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Author: Florin Andrei<br \/>Vol. 2 \u2022 No. 2 \u2022 May 2017<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-32d90fe6\" data-id=\"32d90fe6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35ecd25e elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"35ecd25e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/9_Andrei_Florin_Influenta-variabilelor-macro-risc-credit-en-abs-nr2.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/9_Andrei_Florin_Influenta-variabilelor-macro-risc-credit-en-abs-nr2.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Abstract PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ed29b8 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"43ed29b8\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Andrei_Florin_-ENG-Influenta-variabilelor-macro-risc-credit_V3-en-art-nr2.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Andrei_Florin_-ENG-Influenta-variabilelor-macro-risc-credit_V3-en-art-nr2.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Article PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb0b54a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6cb0b54a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2b2beb elementor-widget elementor-widget-text-editor\" data-id=\"5f2b2beb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdad52d elementor-widget elementor-widget-text-editor\" data-id=\"cdad52d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Given the macro-economic evolution of the past 6-7 years and their impact in the credit portfolios of the financial institutions, an increased interest is shown regarding risk management and early warning systems. The risk management represents an important item in the organization of the credit institutions and an increased supervision is made over the quality of the credit portfolios.<\/p><p>The research paper offers a perspective for the quantification of credit risk over the Romanian banking system illustrated by the VAR model analysis and review. By analysing the results of the VAR model it was observed that the most powerful influence is made by the exchange rate, but also an influence was detected from the interest rate and GDP.<\/p><p>The model presented has the scope to define the interactions between the quality of the credit portfolios and the macroeconomic environment from Romania. Having in view the complexity of the data aggregation and their availability, it were used 62 quarterly observations, the sample period being January 2001 - June 2016.<\/p><p>\u00a0The influence of the credit risk in the banking capital and into the available jobs was quantified through a qualitative analysis performed at global level but also on the Romanian banking system.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e8d1411 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1e8d1411\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1121d35b elementor-widget elementor-widget-text-editor\" data-id=\"1121d35b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Keywords<\/strong>: credit, risk, VAR model, capital, jobs, interest<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba08506 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2ba08506\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-352ec237 elementor-widget elementor-widget-text-editor\" data-id=\"352ec237\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>JEL classification<\/strong>: E44<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60c8fe28 elementor-widget elementor-widget-eael-creative-button\" data-id=\"60c8fe28\" data-element_type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--default\" href=\"https:\/\/revista.isfin.ro\/en\/arhiva\/\" data-text=\"\">\n\n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\"> BACK <\/span>\n\n                                    <\/div>\n            <\/a>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Autor: Florin AndreiVol. 2 \u2022 Nr. 2 \u2022 Mai 2017 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Av\u00e2nd \u00een vedere evolu\u021bia macroeconomic\u0103 din ultimii 6-7 ani \u0219i impactul asupra portofoliilor de credit ale institu\u021biilor financiare, a fost observat un interes sporit \u00een ceea ce prive\u0219te gestionarea riscurilor \u0219i sistemele de avertizare timpurie. Managementul riscului reprezint\u0103 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/influenta-variabilelor-macro-economice-asupra-ratei-riscului-de-credit-si-impactul-asupra-capitalurilor-si-locurilor-de-munca-disponibile-florin-andrei\/\"> <span class=\"screen-reader-text\">Influence of the macroeconomic variables on the credit risk rate and impact on the available capitals and jobs - Florin Andrei<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[170],"tags":[],"yoast_head":"<title>Influen\u021ba variabilelor macro-economice asupra ratei riscului de credit \u0219i impactul asupra capitalurilor \u0219i locurilor de munc\u0103 disponibile - Florin Andrei - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/influenta-variabilelor-macro-economice-asupra-ratei-riscului-de-credit-si-impactul-asupra-capitalurilor-si-locurilor-de-munca-disponibile-florin-andrei\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Influen\u021ba variabilelor macro-economice asupra ratei riscului de credit \u0219i impactul asupra capitalurilor \u0219i locurilor de munc\u0103 disponibile - Florin Andrei - Revista de Studii Financiare\" \/>\n<meta property=\"og:description\" content=\"Autor: Florin AndreiVol. 2 \u2022 Nr. 2 \u2022 Mai 2017 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Av\u00e2nd \u00een vedere evolu\u021bia macroeconomic\u0103 din ultimii 6-7 ani \u0219i impactul asupra portofoliilor de credit ale institu\u021biilor financiare, a fost observat un interes sporit \u00een ceea ce prive\u0219te gestionarea riscurilor \u0219i sistemele de avertizare timpurie. 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