Introduction. As a result of the economic and financial relapses following the international financial crisis started in 2007, the examination of the way in which the bank lending of the non-financial companies at regional level in Romania evolved is relevant on the one hand, by presenting the transformations suffered by the credit conditions, and, on the other hand through its implications on the level of regional development, the absorption of structural and cohesion funds offered by the European Union, access to financing, as and the use of new financing methods.
Aim of the study. The approach by which this research is carried out is based on a qualitative method, and considers the collection, analysis and interpretation of the data from 2015 and 2019 included in the surveys and statistical studies carried out by the specialists of the National Bank of Romania and other Romanian institutions. The results of research underline a sustained correlation between the evolution of bank lending and the other aspects mentioned above, highlighting the importance of access to bank financing at territorial level in order to increase the level of regional development in Romania.
Keywords: bank lending, credit conditions, regional development, European funds absorption
JEL Classification: G21, G32
