1. Introduction
On the very complex background of the interdependencies that characterize the conduct of the multitude of
economic and financial processes and relationships, in modern society, amplified in the context of globalization, is
taking shape also the important role of bank credit, especially, as funding resource, with priority, of the economic
activities, but also as a mediator, of the available funds become inactive, into the economic circuit, on various time
periods. The fulfillment of this role, one way or another, depends on both the volume of the loans granted by the
banks to finance various activities and their quality level. The latter, however, must be assessed in relation to the