COSTUL FINANŢĂRII PRIN CREDITE BANCARE

• Main Author: Mihaela Cosmina Petre (Nita)
• Format: Article
• Language: English
• Published: Danubius University 2007-05-01
• Series: EIRP Proceedings
• Online Access: http://www.proceedings.univ-danubius.ro/index.php/eirp/article/view/970/889

Although the credit is a conventional financing method of an enterprise’s work, this tool is by far a hotissue. The range of credits that a bank provides, and the current policy is to customize these tools in order tomeet the typical financing needs of the enterprises that request them. Considering the risks the bank takes thecharge of by placing credits, the „eligibility” terms of enterprises that can get such financing are very strict.Restrictions concerning the accepted degree of liability, the accomplished level of performance or availablewarranties may represent real „barriers” for many enterprises. Of these „barriers” the high cost of somefinancing tools can be mentioned. In order to have a clearer picture of what this financing source is for anenterprise, I have carried out a cost analysis of these financing tools, the medium and long term credit cost andthe short term credit cost respectively.