Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability The paper aims to demonstrate that the unprecedented granting of consumer credits to
population in recent years, under the circumstances of a spectacular goods supply growth,
has adversely affected some consumers, and jeopardized the protection of their life, health
and safety. The research method consists in a survey that gave, to a number of 560 credit
beneficiaries, qua consumers, the opportunity to freely express their viewpoints. Data
collection and processing has resulted in the filling of a 14 queries questionnaire by each of
the 560 consumers in the South-Western Oltenia region and, subsequently, in data analysis.
The main findings show that consumers have experienced a decline in what concerns their
standard of living and that sustainable consumption of goods was barely stimulated. Based
on the survey results, the paper proposes a banking accountability indicators system and a
consumer credits quality pattern of analysis that would increase banking accountability
towards such credits by reducing their negative externalities on people’s lives, stimulating
sustainable consumption, giving thorough and accurate information, managing complaints
and disputes, educating and raising consumers awareness.
Survey on the Viewpoints of Credit Beneficiaries Qua Consumers in Order to increase Banking Accountability.

Amfitreatru Economic

Volum 16 | Număr 35 | Publicat la 01/02/2014 | Pagini:  138 - 153 | ISSN  1582-9146 | eISSN  -

Autori:
Dragoş Ilie [1] | Laura Ungureanu [1]
[1] Spiru Haret University - Bucharest, Romania
Rezumat
The paper aims to demonstrate that the unprecedented granting of consumer credits to
population in recent years, under the circumstances of a spectacular goods supply growth,
has adversely affected some consumers, and jeopardized the protection of their life, health
and safety. The research method consists in a survey that gave, to a number of 560 credit
beneficiaries, qua consumers, the opportunity to freely express their viewpoints. Data
collection and processing has resulted in the filling of a 14 queries questionnaire by each of
the 560 consumers in the South-Western Oltenia region and, subsequently, in data analysis.
The main findings show that consumers have experienced a decline in what concerns their
standard of living and that sustainable consumption of goods was barely stimulated. Based
on the survey results, the paper proposes a banking accountability indicators system and a
consumer credits quality pattern of analysis that would increase banking accountability
towards such credits by reducing their negative externalities on people’s lives, stimulating
sustainable consumption, giving thorough and accurate information, managing complaints
and disputes, educating and raising consumers awareness.
Cuvinte cheie:
viewpoints of credit beneficiaries qua consumers, consumer credits, banking accountability, consumers, negative externalities, banking accountability indicators, a pattern of quality analysis of consumer credits



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