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universul juridic magazin
Revista Română de Drept Privat

Creditul bancar – activitate esenţială a instituţiilor de credit

The bank lending shall be performed in various forms, however, ultimately, it contributes to the objectives of the credit institution and, at the same time, through the agency of the permanent prudential supervision carried out by the national specialized authority, its viability is ensured both in favor of shareholders, and in favor of its clients. Due to their powers, the National Bank of Romania and the National Authority for Consumer Protection directly contribute to the reinforcement of the lending needs: the first by monitoring compliance with the prudential requirements, including concerning the fact of knowing the clients, and the second by monitoring compliance with certain partnership agreements between the parties, monitoring the way of enforcement of the laws on the protection of consumers; such a cooperation between those two authorities facilitates the lending process by which the wills of the parties meet, but also to meet the needs of each of them.