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De la istoria leasingului si a creditului de
consum inapoi la mediul macroeconomic
actual
From history of leasing & consumer
credit back to present macroeconomic
environment
1. Perspectiva istorica a leasingului si
creditului de consum ca instrumente de
sustinere a dezvoltarii economice
Este limpede ca produse ca leasingul si creditul
de consum au raspuns unei anumite realitati
economice si macroeconomice ale vremurilor
respective. Poate ca formularea a fost diferita,
insa efectele si functiile creditului de consum
si ale leasingului erau similare cu cele ale
produselor financiare prezente care sunt foarte
bine definite.
Imi asum curajul sa va prezint o scurta istorie
a acestor doua produse financiare, precum si
unele exemple care pot arata rolul si puterea
unor astfel de produse financiare nebancare.
Am ales aceste exemple deoarece ele reprezinta
momente de istorie care au fost marcate de
crize financiare si razboaie, momente ce au
gasit ca solutie alternativa a disputelor folosirea
leasingului ca acord de razboi intre state sau
folosirea creditului de consum ca solutie
alternativa pentru consolidarea nivelului de trai
si pentru incurajarea asa-numitei „indatorari
productive”!
Pentru curiozitatea cititorilor acestui anuar al
Asociatiei care reprezinta leasingul si creditul
de consum din Romania am inclus unele
1. Historical perspective on leasing and
consumer credit as supporting instruments
for the economic development
It is obvious that products like consumer
credit and leasing have responded to a certain
economic and macroeconomic reality of certain
times. Wording may have been different but the
effects and functions of credit and leasing were
similar to today’s very well defined financial
products.
I take the courage to present you a brief history of
these two financial products as well as examples
that may indicate the role and the power of such
non-banking financial products. I choose these
examples as they represent moments of history
that were marked by financial crisis and wars,
moments that have found as alternative dispute
solution the use of lease as war agreements
among states or the use of consumer credit as
alternative solution for enhancing the lifestyle
and encouraging the so named “productive
debt”!
For the curiosity of the readers of this annual
book of the Association that represents leasing
and consumer credit in Romania I have included
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