In the recent past, the Romanian population has experienced major effect of psychological factors on the behavior of its financial, particularly with regard to accessing bank loans for consumer and real estate loans offered by commercial banks sometimes very easy, just "identity card". The financial crisis has compounded the effects of highrisk lending, leading in turn to many Romanian dramatic situations if we consider the impossibility of return of bank debt and the need to adopt legal regulations for restanţierii real estate loans. The major risk of the bankruptcy of the pension system questioned especially amid massive emigration of labor in EU countries, together with a demographic trend downward as he mostly adult population to turn to savings instruments, even if according to studies BNR, they remain mostly in the sphere of bank deposits even if they offer extremely low interest rates. Appealing to methods frequently used to substantiate regional development strategies, the paper aims at analyzing the degree of concentration among the 8 regions, namely overcrowding overall levels of spatial distributions on loans and deposits of households in lei and foreign currency around a typical values of these variables.