also there are highlighted interdependencies, amplified in the context of globalizaion, respectively determinants of the variations of non-performing loans (NPLs). In particular, are analyzed correlations of NPLs with impact factors of mocro level that determine their formation, but also the NPLs feedback, especially on the economy. The analysis is developed by elaborating econometric models and testing them on the
available data for Romania and for EU, the results confirming the validity of these models.