How can we boost lending and restore trust in the bank-client relationship?

Based on the main influencing factors and focusing on the weaknesses that characterise the process of financial intermediation through bank credit, we propose a series of measures designed to energise the core activity of commercial banks. At the same time, starting from the premise that the level of credit in the economy depends not only on commercial banks, we find that relaunching lending requires the involvement and coordination of the actions of the main institutions with a decisive role in maintaining the stability of the domestic financial sector. Thus, we consider it appropriate to coordinate decisions between the Government, the National Bank of Moldova and commercial banks, aimed at halting the process of disintermediation and moving towards a sustainable and healthy lending process, a measure that is, moreover, imminent for ensuring the sustainable recovery of the national economy. Read also the publication “How can we boost lending and restore trust in the bank-client relationship?”