Juridical analysis from theoretical and practical point of view of the bank credit contract

• Author: Aida Diana Dumitrescu
• Position: Candidate to Ph.D Assistant. University of Craiova, 'Nicolae Titulescu' Faculty of Law and Administrative Sciences
• Pages: 80-84

80

JURIDICAL ANALYSIS FROM THEORETICAL AND

PRACTICAL POINT OF VIEW OF THE BANK CREDIT CONTRACT

Candidate to Ph.D Assistant Aida Diana

Dumitrescu University of Craiova, „Nicolae

Titulescu” Faculty of Law and Administrative

Sciences

aida_dumitrescu@yahoo.com

Abstract:

The contract in general and the bank credit contract in special are realities of

an irrefutable need into the scenery of the modern economy.

The analysis of a bank credit contract is justified in our days taking into

consideration the fact that on world and on national level appear invoked

repeatedly subjects as financial crisis, credit contract, the difficulty of conditions

for a credit, etc. also a complete view over this problem can be made only through

a double expectation theoretical and practical.

The bank credit represents any payment engagement in exchange of the

repayment right of the paid amount of money and also to the payment of the

interest or another expenses concerning this amount or any kind of prolongation

for the date of payment (term) and any kind of engagement of acquisition for a title

which incorporate a claim or of another payment right for an amount of money.

Key words: bank credit contract, annulment, nullity, authority of being

judged.

I. Theoretical aspects

The bank credit contract143 represents a one sided and intuitu personae

convention that oblige a bank or another similar credit institution, in exchange of a

remuneration, to offer money to a person for a time and in a established amount or

to assume for somebody interest an money engagement or a guarantee144 letter.

The bank credit represents any payment engagement in exchange of the

repayment right of the paid amount of money and also to the payment of the

interest or another expenses concerning this amount or any kind of prolongation for

the date of payment (term) and any kind of engagement of acquisition for a title

which incorporate a claim or of another payment right for an amount of money.

143 Dan Drosu Saguna - Financial and fiscal law, - vol. I, Oscar Print Publishing House,

1997, p.272 and next.

144 Dan Drosu Saguna - some book, p.272 and next.