{"id":10672,"date":"2019-01-16T09:03:28","date_gmt":"2019-01-16T07:03:28","guid":{"rendered":"https:\/\/www.arb.ro\/?p=10672"},"modified":"2024-01-20T13:58:40","modified_gmt":"2024-01-20T11:58:40","slug":"taxarea-creditarii-in-statul-cu-cel-mai-redus-grad-de-intermediere-financiara-din-ue-e-cat-se-poate-de-nociva","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/taxarea-creditarii-in-statul-cu-cel-mai-redus-grad-de-intermediere-financiara-din-ue-e-cat-se-poate-de-nociva\/","title":{"rendered":"Taxarea credit\u0103rii \u00een statul cu cel mai redus grad de intermediere financiar\u0103 din UE e c\u00e2t se poate de nociv\u0103 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"10672\" class=\"elementor elementor-10672\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a2f42a4 e-flex e-con-boxed e-con e-parent\" data-id=\"5a2f42a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54912d97 elementor-widget elementor-widget-text-editor\" data-id=\"54912d97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-7470 alignleft\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB.jpg\" alt=\"\" width=\"600\" height=\"574\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB.jpg 600w, https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB-300x287.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p><p style=\"text-align: justify;\">\u00cen cei 20 de ani de carier\u0103, din care primii 10 ani \u00een calitate de jurnalist economic, v\u0103 spun c\u0103 nu s-a \u00eent\u00e2mplat ca sistemul bancar rom\u00e2nesc s\u0103 fie lovit at\u00e2t de dur din toate p\u0103r\u021bile \u0219i s\u0103 fie ignorate toate argumentele privind impactul viitor asupra oamenilor. Ca jurnalist am redactat mii de articole timp de un deceniu. Nu am scris \u0219i nici nu am auzit \u00een cariera de p\u00e2n\u0103 acum ca o m\u0103sur\u0103 ca aceasta s\u0103 se fie aplicat\u0103 f\u0103r\u0103 s\u0103 fie discutat\u0103 cu industriile! Gravitatea situa\u021biei ridic\u0103 multe \u00eentreb\u0103ri \u00een r\u00e2ndul bancherilor. O tax\u0103 pe creditare \u00een statul cu cel mai redus grad de intermediere financiar\u0103 din UE (de doar 26,4%) e c\u00e2t se poate de nociv\u0103.<\/p><p style=\"text-align: justify;\">Nici m\u0103car nu se justific\u0103 \u00een condi\u021biile \u00een care statul rom\u00e2n nu a sprijinit cu bani publici sistemul bancar \u00een perioada crizei.<\/p><p style=\"text-align: justify;\">Sistemul bancar este o curea de transmisie a m\u0103surilor \u00een economie. B\u0103ncile trebuie v\u0103zute ca o roti\u021b\u0103 dintr-un ceas elve\u021bian care indic\u0103 timpul cu o precizie maxim\u0103. Economia este ceasul elve\u021bian \u0219i func\u021bioneaz\u0103 corespunz\u0103tor doar atunci c\u00e2nd roti\u021bele se \u00eenv\u00e2rt perfect. Dac\u0103 introduci nisip \u00eentre roti\u021be, se blocheaz\u0103 fluxurile financiare. Poate fi bucuria spectacolului mediatic pentru unii, dar miza real\u0103 este aceea c\u0103 rom\u00e2nii vor pierde la capitolul bun\u0103stare economic\u0103 pe termen mediu \u0219i lung, iar economia risc\u0103 s\u0103 se \u00eentoarc\u0103 \u00een trecut cu 15-20 ani, c\u00e2nd pu\u021bini se mai calificau pentru a ob\u021bine un credit.<\/p><p style=\"text-align: justify;\">Ne d\u0103m cu to\u021bii seama cum ar ar\u0103ta economia Rom\u00e2niei, care ast\u0103zi dep\u0103\u0219e\u0219te 200 miliarde euro, f\u0103r\u0103 valoarea ad\u0103ugat\u0103 generat\u0103 de creditul neguvernamental de 54 miliarde euro \u0219i cel guvernamental de 22 miliarde euro. Datele acestea se refer\u0103 doar la creditele \u00een derulare, ceea ce \u00eenseamn\u0103 c\u0103 finan\u021barea acordat\u0103 de industria bancar\u0103 este mult mai ampl\u0103, multe dintre \u00eemprumuturi fiind rambursate deja.<\/p><p style=\"text-align: justify;\">Noi am informat autorit\u0103\u021bile de impactul acestor lovituri. De asemenea, opinia public\u0103 a ascultat \u0219i are capacitatea s\u0103 discearn\u0103 adev\u0103rul despre impactul taxei pe activele financiare \u0219i al celor trei legi aprobate de parlament, impact care va fi resim\u021bit de popula\u021bie, de companii, de b\u0103nci \u0219i, implicit, de \u00eentreaga economie.<\/p><p style=\"text-align: justify;\">\u0218i pentru c\u0103 \u00een spa\u021biul public au ap\u0103rut acuze \u0219i mistific\u0103ri privind activitatea b\u0103ncilor, v\u0103 invit s\u0103 parcurge\u021bi mai jos clarific\u0103ri privind situa\u021bia de facto:<\/p><ul style=\"text-align: justify;\"><li><strong>Taxa pe active \u0219i cele trei legi<\/strong> (limitarea dob\u00e2nzilor, limitarea valorii recuperabile a crean\u021belor cesionate, eliminarea caracterului de titlu executoriu al contractelor de credit) duc la p\u00e2rjolirea sistemului bancar. Ne \u00eentreb\u0103m azi c\u00e2te b\u0103nci vor mai avea profit, dar v\u0103 \u00eentreba\u021bi c\u00e2te vor r\u0103m\u00e2ne \u00een pia\u021ba bancar\u0103 din Rom\u00e2nia \u00een condi\u021biile date? Consiliul Concuren\u021bei ar trebui s\u0103 \u0219tie c\u0103 taxa pe activele financiare ale b\u0103ncilor \u0219i cele trei legi scot unele b\u0103nci din pia\u021b\u0103 \u0219i aceasta duce la reducerea concuren\u021bei.<\/li><\/ul><ul style=\"text-align: justify;\"><li><strong>Este foarte grav ca s-a mers pe inducerea \u00een eroare a opiniei publice!<\/strong> Popula\u021bia \u0219i companiile vor fi cele care vor pl\u0103ti. Oamenii nu vor mai avea acela\u0219i acces la credite ca \u0219i p\u00e2n\u0103 acum, iar companiile cel mai probabil vor pl\u0103ti mai mult. Aceste m\u0103suri vor gr\u0103bi instalarea unei recesiuni economice. A\u0219a cum am men\u021bionat \u0219i \u00een comunicatele de pres\u0103, recesiunea \u00eenseamn\u0103 deprecierea cursului, sc\u0103derea pie\u021bei imobiliare, distrugerea de locuri de munc\u0103, scumpirea finan\u021b\u0103rii, \u00een final o lovitur\u0103 la adresa bun\u0103st\u0103rii tuturor rom\u00e2nilor.<\/li><\/ul><ul style=\"text-align: justify;\"><li><strong>Se impune realizarea de urgen\u021b\u0103 a unui studiu de impact<\/strong> privind cele patru m\u0103suri care se doresc a fi introduse pentru a vedea c\u00e2t de masiv este afectat sectorul financiar-bancar \u00een calitatea sa de Infrastructur\u0103 Critic\u0103 Na\u021bional\u0103 &#8211; ca impact de prim\u0103 instan\u021b\u0103, dar trebuie calculat \u0219i impactul de runda a doua asupra rom\u00e2nilor \u0219i economiei.<\/li><\/ul><ul style=\"text-align: justify;\"><li><strong>Taxa pe activele financiare ale b\u0103ncilor este o tax\u0103 pe creditare, pe titlurile de stat<\/strong> \u0219i nu numai. Este o tax\u0103 pe finan\u021barea Rom\u00e2niei, \u00een condi\u021biile \u00een care sistemul bancar asigur\u0103 80% din finan\u021bare. Dac\u0103 \u00eemprumu\u021bi popula\u021bia, companiile \u0219i statul, pl\u0103te\u0219ti pentru asta! Cum poate s\u0103 existe oare a\u0219teptarea c\u0103 dac\u0103 e\u0219ti taxat mai mult vei vinde produse mai ieftine? A\u021bi v\u0103zut vreun brutar s\u0103 ieftineasc\u0103 p\u00e2inea c\u00e2nd taxele au crescut?<\/li><\/ul><ul style=\"text-align: justify;\"><li><strong>Este fals c\u0103 ROBOR-ul este \u00een controlul b\u0103ncilor<\/strong>! Principalii factori care influen\u021beaz\u0103 evolu\u021bia ROBOR sunt: politica monetar\u0103, lichiditatea existent\u0103 \u00een sistemul bancar, infla\u021bia \u0219i politica fiscal\u0103. Ratele de dob\u00e2nd\u0103 stabilite de BNR, opera\u021biunile Trezoreriei statului, infla\u021bia \u0219i a\u0219tept\u0103rile infla\u021bioniste, cum evolueaz\u0103 numerarul \u0219i politica fiscal\u0103 sunt \u00een propor\u021bie cov\u00e2r\u0219itoare cauzele cre\u0219terii sau sc\u0103derii ROBOR. Pe scurt: oglinda economiei! Acestea sunt interdependente si nu st\u0103 \u00een puterea b\u0103ncilor s\u0103 corecteze deficitele. Nu trebuie ar\u0103tate cu degetul b\u0103ncile! Nu trebuie mistificat\u0103 activitatea b\u0103ncilor! Reducerea ROBOR a venit dup\u0103 ce infla\u021bia a \u00eenceput s\u0103 coboare \u00eenc\u0103 de anul trecut.<\/li><\/ul><ul style=\"text-align: justify;\"><li>L\u0103comia nu este a b\u0103ncilor! <strong>Este regretabil c\u0103 exist\u0103 o astfel de abordare, \u00een care \u00eentr-un sistem capitalist, companiile care ob\u021bin profit sunt puse la zid<\/strong>. Profitul este un lucru normal, nu este un lucru r\u0103u. Profitul b\u0103ncilor din anii 2017 \u0219i 2018 vine dup\u0103 ani \u00een care sistemul bancar a fost \u0219i pe pierdere. Au fost ani \u00een care sistemul bancar a provizionat puternic, iar acum rezultatele ob\u021binute de b\u0103nci sunt influen\u021bate \u0219i de reversarea de provizioane, de \u00eembun\u0103t\u0103\u021birea situa\u021biei economice, etc\u2026\u0218tia\u021bi c\u0103 rentabilitatea activelor \u00eenregistrat\u0103 de b\u0103nci \u00een ultimii 10 ani a fost de doar 0,44%?!!!<\/li><\/ul><ul style=\"text-align: justify;\"><li>Situa\u021bia este destul de sumbr\u0103 pentru un investitor \u00een zona bancar\u0103 \u00een Rom\u00e2nia. Orice completare la capitolul ini\u021biative nu face dec\u00e2t s\u0103 \u00eenr\u0103ut\u0103\u021beasc\u0103 situa\u021bia b\u0103ncilor cu impact negativ direct pe to\u021bi rom\u00e2nii. B\u0103ncile, ca intermediari ai banilor, sunt doar un canal de transmisie.<\/li><\/ul><p style=\"text-align: justify;\">Dac\u0103 exist\u0103 responsabilitate \u0219i dorin\u021b\u0103 de men\u021binere a stabilit\u0103\u021bii financiare, atunci aceste ini\u021biative vor fi abrogate. Dialogul trebuie s\u0103 existe, dar \u0219i dorin\u021ba de a identifica \u00eempreun\u0103 cu comunitatea bancar\u0103 solu\u021bii pentru a evita \u0219ubrezirea stabilit\u0103\u021bii financiare \u0219i prin asta afectarea viitorului rom\u00e2nilor. Nota de plat\u0103 ar pl\u0103ti-o rom\u00e2nii \u0219i nu cred c\u0103 aceasta e abordarea corect\u0103.<\/p><p>sursa: <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-22912397-taxarea-creditarii-statul-cel-mai-redus-grad-intermediere-financiara-din-cat-poate-nociva.htm?nomobile=\">https:\/\/economie.hotnews.ro\/stiri-finante_banci-22912397-taxarea-creditarii-statul-cel-mai-redus-grad-intermediere-financiara-din-cat-poate-nociva.htm?nomobile=<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, HotNews &#8211; 15.01.2019<\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-10672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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