RELEVANȚA SOLVENȚEI CĂTRE CLIENȚI CA SURSĂ PRINCIPALĂ PENTRU RAMBURSAREA DOBÂNZILOR ȘI ÎMPRUMUTURILOR
THE RELEVANCE OF CUSTOMER SOLVENCY AS A MAIN SOURCE FOR INTEREST AND LOANS REPAYMENT

Summary/Abstract: The goal of any banking company is profit making. In the category of banking financial products, loans have a very large share. In any bank, credit operations are based on credit agreements which include aspects related to the contracting parties, on the contract’s objective materialized in the volume of the credit, on the credit’s price which is represented by the interest or the bank charges as well as on the terms or the granting periods. Loans require an accurate assessment of the client’s solvency and the collaterals, knowing the client from the perspective of the contractual obligations reimbursement according to their schedule of monthly instalment and the use of the credit according to the destination it was granted for by the bank. Customer credibility is a major criterion for the refund of the credits at their proper bank maturity by the willingness of the parties.

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