Sectorul bancar - parte a soluției pentru împrumuturile de consum. Opinie pe marginea unor potențiale soluții de susținere a persoanelor cu împrumuturi nebancare a căror venituri au fost afectate de criza Covid-19.
The banking sector - part of the solution for consumer loans. Opinion on potential solutions to support people with non-bank loans whose incomes have been affected by the Covid-19 crisis.

Author(s): Dumitru Pîntea
Subject(s): Economic development, Socio-Economic Research
Published by: EXPERT-GRUP Centrul Analitic Independent
Summary/Abstract: Almost 2 months after the declaration of the state of emergency, the situation of several economic actors continues to deteriorate. Along with economic agents, whose usual activity suffers due to social distancing, the incomes of several categories of the population are also affected. To a certain extent, the whole population is affected, but attention is particularly drawn to those who, in addition to periodic payments for living, utilities and rents, also have installments to pay at the bank or non-bank credit organizations (OCN). Without decisive interventions, their financial situation can degenerate and extend the debt chain to other operators (utility providers, financial institutions, etc.). Therefore, this situation calls for quick interventions to avoid the growth of the "bulk of the crisis" and the need for much more expensive subsequent interventions.

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