... system. 2. Theoretical outline of the determinants of financial crisesProblems of a systemic nature, which can affect the whole of the banking sector, have been the subject of various theoretical ... on their credits to enterprises will depend, on the one hand, on the development of the outstanding amounts of these credits on the assets side of the balance sheet and,on the other, on the ... to the cyclical variables, because theytend to analyse the economy from the angle of monetary developments. Thus, they trace the startingpoint of the financial crisis of the 1930s back to the...