THE INFLUENCE OF LENDING ACTIVITY OVER CONSUMER'S BEHAVIOR

Lending activity involves an embedding of general principles which require the analysis of risks incorporated in banking operations, both from a consumer and bank perspective. Correlated with economic environment shifts, the consumer’s definition concentrates a series of individual and group necessities with a decisive role in a possible lending decision. As socio-economic issue, the consumer is oriented at lending when his income in order to buy goods or services is not satisfactory. This paper aims at presenting the consumer hypostasis resulted from lending activities, identifying its purposes and risks.