CONSIDERATIONS CONCERNING THE BANKING CREDIT AND ITS OPTIMIZATION

The firms could take into consideration internal or external sources for financing, the differences between them being connected with the stability, independence and cost. Even the internal sources ensures a high degree of independency to the firm, they are not always efficient. Under these circumstances and the conditions of insufficient self-financing, the existence at national level of the tendency of undercapitalization and increase of their debt level, the Romanian firms make use more and more of external sources of financing, especially the banking credits. Therefore, in this study we intend to present a model for optimization the cost of the financing through the bank credit. This model is going to help the managers of the companies to find innovative solutions and to assure the competitiveness and the development of their companies.