Challenges of Bank Lending in Romaniaon Short, Medium and Long-term

The research is devoted to the analysis of some 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 should be paid to the post-accession into 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 credits 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 with other developed and emerging EU member countries. As main directions for future researches resulting from our study the importance of improvements in monetary policy transmission channels, the credit sustainable re-launching, and growing market share for banks with domestic capital, including majority state-owned capital are highlighted.