AN INNOVATIVE APPROACH FOR BANK PORTFOLIO MANAGEMENT

Common problems that are experienced by commercial banks in their role of economic agents refer to establishment of adequate politics, in conditions of extreme attention to the reaction of the two most important environments they deal with: debtor and creditor. The paper proposes a quantitative analysis for this approach considering the money offer volume coming from the depositors as a linear function, growing in respect with deposit interest rates, and money volume offered for crediting represents a part from the demand volume.