Challenges of bank lending in Romania on short, medium and long-term

The research focuses on several challenges on short, medium and long term bank lending in Romania, taking into consideration a series of economic and social criteria as well as different types of loans. At the same time, special attention is paid to the post-accession into the EU impact and to the financial and economic effects of the international crisis. The main results of the research are expected to point out the necessity of structural improvements in the field of long-term loans contributing to investments boosting as a vital prerequisite for Romania’s economy sustainable development. Meanwhile it is worth mentioning the intensity and duration of the crisis in Romania compared to other developed and emerging EU member countries. The importance of addressing causes that hinder the monetary policy transmission channels, lending sustainable re-launching, more involvement of banks in European funds absorption and growing market share for banks with domestic capital, are highlighted as main conclusions resulting from the study.