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ISSUES REGARDING THE DISSEMINATION OF INFORMATION IN THE CREDIT RISK CENTER TO THE REVIEWED PERSON
Authors: Associate professor Rodica Diana APAN
Number of views: 16
In the field of credit for consumption, the priority is, in granting the loan, to stave off the temptation of potential
borrowers to borrow for the purchase of a large number of goods and services, as well as that of professional creditors,
to enforce their own clientele by granting loans. The aspects shown in ut supra had as a consequence the elaboration of
some systems for the substantiation of the decision to grant the loan or the one to refuse to grant it, based on an analysis
carried out by the creditor both in his interest and that of the debtor. This is because, for the first, the risk of non-recovery
of the loan is reduced, and for the second, the risk of non-repayment of the loan or of over-indebtedness is reduced.This
article analyzes the regulation in the field of Central Credit Risks and, the analysis perspective is a novel one: to what
extent the benefit of disseminating the information registered in the CRC to the declarants - credit institutions on their
own initiative or at the request of the latter, it would be necessary to extend it to the reviewed persons - natural or legal
persons to whom credit has been granted. The present study represents a plea for any situation of dissemination by the
CRC of the information registered here to the declarants - credit institutions, to be distributed, at the same time, to the
persons reviewed - natural or legal debtors, on the grounds of informing them in order to protect against the risks of nonrepayment of the loan and over-indebtedness.