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The credit activity responds to real economic necessities within its objective features (the production stimulation, the increase of competition, a sounder correlation between the capital needs and the possibilities of forming it). Times proved that the human beings use to live and act through loans and credits as they contribute to the relationships explosion with all partners, in all activities, in the most complex way. The credit activity developed exponentially with the loans portfolio both in products and in services. Nowadays, it is difficult to find a person or a company developing activity beyond the banking crediting. The present paper intends to reflect particular situations in which the Banking Law no. 58/1998 (updated) contributed to the economic and commercial activities development via particular products and services provided by banks in credits and loans. Keyworks: individual loans, credit, activity risk, warranty. JEL Classification: G1, O2 Introduction Funding individuals through credit is as important as the funding of companies when the correct approach of such demarche can be proved as sound for development. For banks, the credit activity is essential for their future while the customers’ confidence is crucial. Therefore, a keen attention is always given to the lending activity as the main engine of creating money and supplying development. The commercial banks have got a major role in the modern market economy, because of their connections with all economic sectors and their power of taking the bank-customer relation to high standards and confidence. Banks have their own purpose of getting high profit by assuring the perpetual movement of money and funds, by crediting both individuals and organizations, all for all parties’ concerned benefits Usually, the banking system provides the majority of the financial services and takes care of giving the necessary loans to those in need. The single coordinating authority of the business credit instruments is the Central Bank (of emission), which accomplishes the roles of administration of the organizational process to the financial service and the credit-discount of the economy. So, the credit essential contributes to the increase of the economy, facilitates the adjustment of the economy, the selection and the stimulation of the economical courses, providing financial means for the realization of the production. The assumed role of the bank is defined by the policy objectives of lending that express the global advantageousness established for a specific period, create the necessary condition to lace full

Some hints on individual lending and different factors affecting the credit activity risks