{"id":2063,"date":"2013-02-18T14:16:27","date_gmt":"2013-02-18T12:16:27","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2063"},"modified":"2025-10-08T13:16:33","modified_gmt":"2025-10-08T10:16:33","slug":"intre-reglementari-si-necesitatea-revirimentului-economiei","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/intre-reglementari-si-necesitatea-revirimentului-economiei\/","title":{"rendered":"G\u00e2nduri de \u00eenceput de an - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2063\" class=\"elementor elementor-2063\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c6b4651 e-flex e-con-boxed e-con e-parent\" data-id=\"1c6b4651\" 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-c523779 elementor-widget elementor-widget-heading\" data-id=\"c523779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00centre reglement\u0103ri \u015fi necesitatea revirimentului economiei<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15fdb697 elementor-widget elementor-widget-text-editor\" data-id=\"15fdb697\" 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>Radu Gra\u0163ian Ghe\u0163ea, Pre\u015fedintele Consiliului Director al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor,Pre\u015fedinte CEC Bank \u2013 Pia\u021ba Financiar\u0103, ianuarie-februarie 2013<\/p><p>Definitoriu pentru reac\u0163ia b\u0103ncilor la nivel european e modul \u00een care va fi conturat finalmente proiectul uniunii bancare. Adaptarea grupurilor financiar bancare la cerin\u0163ele de solvabilitate \u015fi lichiditate impuse de prevederile BaselIII reprezint\u0103 o provocare, \u00een condi\u0163iile \u00een care ar putea conduce la restr\u00e2ngerea expunerilor \u015fi schimbarea modelului de business.<\/p><p>Este foarte important s\u0103 nu se ajung\u0103 la o suprareglementare care s\u0103 limiteze b\u0103ncile \u00een activitatea lor de creditare a economiilor na\u0163ionale. Probabil c\u0103 vom asista la inversarea procesului de globalizare, cu revenirea capita lului c\u0103tre \u0163\u0103rile de origine. Grupurile financiare interna\u0163ionale \u015fi-ar putea restr\u00e2nge opera\u0163iunile pe anumite pie\u0163e pentru a se adapta noilor cerin\u0163e.<\/p><p>Reglement\u0103rile Basel III trebuie privite ca o parte dintr-un \u00eentreg: uniunea bancar\u0103. Liderii europeni \u015fi-au propus s\u0103 adopte un sistem unic de supraveghere a b\u0103ncilor care va permite, \u00een caz de nevoie, recapitalizarea b\u0103ncilor europene.<\/p><p>Acordul la care s-a ajuns \u00een decembrie 2012 prevede c\u0103 Banca Central\u0103 European\u0103 ar putea s\u0103 supravegheze direct b\u0103ncile din zona euro \u00eencep\u00e2nd din ianuarie 2014, am\u00e2n\u00e2nd termenul preconizat ini\u0163ial , de 1 ianuarie 2013, din cauza diferendelor \u00eentre marile puteri europene. Autorit\u0103\u0163ile na\u0163ionale de supraveghere vor avea \u00een continuare un rol important \u00een activit\u0103\u0163ile cotidiene de supraveghere \u015fi \u00een preg\u0103tirea \u015fi punerea \u00een aplicare a deciziilor BCE. \u00centre timp, sunt a\u015fteptate acorduri concrete privind capitalizarea b\u0103ncilor, unifor mizarea sistemelor de solu\u0163ionare a situa\u0163iilor de criz\u0103 bancar\u0103 \u015fi de garantare a depozitelor.<\/p><p>Reglement\u0103rile Basel III \u2013 Noul acord privind cerin\u0163ele de capital pentru institu\u0163iile de credit CRD IV \u2013 sunt restrictive \u015fi ar putea determina sc\u0103derea interesului institu\u0163iilor de credit privind finan\u0163area IMM-urilor, reprezent\u00e2nd o provocare inclusiv \u00een ceea ce prive\u015fte capacitatea industriei bancare de a realiza profit. Acordul de capital Basel III introduce cerin\u0163e de capital cantitative \u015fi calitative extinse, noi cerin\u0163e de lichiditate \u015fi o revizuire a riscului de credit pentru b\u0103ncile din \u0163\u0103rile membre ale Comitetului de la Basel.<\/p><p>Noul scaden\u0163ar de implementare a pre ve derilor Basel III urmeaz\u0103 a fi stabilit. \u00cen acest moment, introducerea noilor norme de capital pentru sectorul bancar este am\u00e2nat\u0103 pe o perioad\u0103 \u00eentre \u015fase luni \u015fi un an. Progresele \u00eenregistra te de membrii Comitetului de la Basel \u00een implementarea reformelor de adecvare a capitalului sunt diferite. Uniunea European\u0103 se afl\u0103 \u00een r\u00e2ndul celor care au emis proiecte de reglement\u0103ri \u015fi \u015fi-au asumat publicarea versiunii finale c\u00e2t mai repede posibil. \u00centr-o situa\u0163ie similar\u0103 se afl\u0103 Argentina, Brazilia, Indonezia, Coreea, Rusia \u015fi Statele Unite.<\/p><p>Regulamentul privind cerin\u0163ele de capital (CRR) va fi implementat direct \u015fi unitar de c\u0103tre toate b\u0103ncile din \u0163\u0103rile UE, \u00een timp ce Directiva va fi transpus\u0103 \u00een reglementare na \u0163ional\u0103.<\/p><p>Angajamentul luat de a pune \u00een aplicare reformele Basel III convenite vizeaz\u0103 \u00eent\u0103rirea rezilien\u0163ei sistemului bancar la nivel mondial, dar conduce \u015fi la efecte poten\u0163ial adverse. Reversul medaliei face ca noile reglement\u0103ri s\u0103 \u00eencetineasc\u0103 revenirea economiilor afectate de criza datoriilor. Comunitatea bancar\u0103 r\u0103m\u00e2ne preocupat\u0103 de consecin\u0163ele neinten\u0163ionate ale cre\u015fterii semnificative a costului capitalului necesar.<\/p><p>Aplicarea m\u0103surilor \u00een materie de adecvare a capitalului se poate face fie prin atragerea de capital de la banca mam\u0103 sau de la investitori noi, fie prin diminuarea activelor ponderate la risc, ceea ce va putea duce \u00een timp la reducerea activelor.<\/p><p>\u015ei cerin\u0163ele \u00een materie de lichiditate ar putea conduce b\u0103ncile spre ad\u0103ugarea \u00een portofoliu de active u\u015for de transformat \u00een lichidit\u0103\u0163i, cum ar fi titlurile de stat sau obliga\u0163iunile, pentru a se asigura c\u0103 ar putea face fa\u0163\u0103 unui scenariu de criz\u0103 sever\u0103. Se va exercita presiune pe acor darea de credite pe termen lung, \u00een sensul di minu\u0103rii perioadei de acordare. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, al\u0103turi de alte aso cia\u0163ii bancare europene \u015fi de grupuri bancare, a efectuat demersuri la arlamentul European \u015fi Comisia European\u0103 privind modificarea formei propunerii de reglementare.<\/p><p>Datorit\u0103 calendarului de introducere treptat\u0103 a noilor cerin\u0163e Basel III, efectele vor fi resim\u0163ite pe termen mediu \u015fi lung. Se consider\u0103 c\u0103 nu ar trebui s\u0103 existe \u00eent\u00e2rzieri \u00een programul b\u0103ncilor de majorare a capitalului p\u00e2n\u0103 \u00een anul 2019.<\/p><p>Chiar dac\u0103 data de start nu a fost aceea\u015fi cu cea planificat\u0103 ini\u0163ial de 1 ianuarie 2013, autorit\u0103\u0163ile na\u0163ionale de supraveghere trebuie s\u0103 se asigure c\u0103 institu\u0163iile de credit active \u00een plan interna\u0163ional fac progrese constante \u00een consolidarea bazei de capital.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d447bc elementor-widget elementor-widget-button\" data-id=\"3d447bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/PF_ian-feb_2013.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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":"<h3>\u00centre reglement\u0103ri \u015fi necesitatea revirimentului economiei<\/h3>\n<p>Radu Gra\u0163ian Ghe\u0163ea, Pre\u015fedintele Consiliului Director al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor,Pre\u015fedinte CEC Bank &#8211; <em>Pia\u021ba Financiar\u0103, ianuarie &#8211; februarie 2013<\/em><\/p>","protected":false},"author":3,"featured_media":2279,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[60,62,63,275],"class_list":["post-2063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-ganduri-de-inceput-de-an","tag-reglementari","tag-revirimentul-economiei","tag-radu-gratian-ghetea-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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