• Icon to change language to english
  • Icon to change language to english

ASSESSMENT OF FACTORS INFLUENCING THE AMOUNT AND MATURITY PROFILE OF BANK CONSUMER LOANS IN BULGARIA

Authors

Keywords
commercial banks, consumer lending, global financial crisis

Summary
Over the last two decades there has been a substantial increase in theoretical and practical-applied research into the impact of key determinants on the consumer loans that banks offer. Their profitability and credit risk level depend on the optimum structuring of credit transactions. Of course this statement should not contradict the compliance with the following two principles: 1) The amount and the term of the bank loan must fully comply with the actual need for funding, and 2) The value of the debt must be ‘secured’ with a sufficient level of creditworthiness.

In this paper, the authors commit themselves to a thorough examination and assessment of key factors influencing the maturity structure and the amount of bank consumer loans in Bulgaria. Through a survey they aim to analyze and assess the priority of key determinants that affect the credit policy on the basis of individual opinions of bank experts directly involved in granting consumer loans.

JEL: G01, G21
Pages: 29
Price: 3 Points

More titles

  • VERSION CONTROL SYSTEMS: EVOLUTION, CONCEPT, COMPARATIVE ANALYSIS

    Modern software is becoming increasingly complex while trying to fully meet the incessantly growing requirements of customers. Therefore, one of the main challenges facing software project management is the scalability of the development process so that it involves multiple developers regardless of their geographic location, and so that it does ...

  • THE BRAND – A CATALYST FOR SMART AND SUSTAINABLE REGION GROWTH

    The study focuses on the relation between the successful branding process and the achievement of sustainable and smart regional growth. The main objective of the project is to analyze the conditions for smart and sustainable growth in the region in the light of the branding process. The specific tasks of the study are: studying the evolution of ...

  • SCENARIOS FOR THE DEVELOPMENT OF THE EUROPEAN INTEGRATION AND THEIR POSSIBLE EFFECTS ON THE BULGARIAN ECONOMY

    The reality in the European Union makes it necessary to consider various scenarios for the future development of the European integration. The inclusion of the Republic of Bulgaria in the single market makes our country a part of a much larger space, which directly affects the economic processes in the country. Therefore, we need to consider the ...