{"id":2105,"date":"2013-04-18T16:04:39","date_gmt":"2013-04-18T13:04:39","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2105"},"modified":"2025-03-14T10:55:50","modified_gmt":"2025-03-14T08:55:50","slug":"intre-riscul-economiei-si-economia-riscului","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/","title":{"rendered":"B\u0103ncile din Rom\u00e2nia - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2105\" class=\"elementor elementor-2105\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72604e83 e-flex e-con-boxed e-con e-parent\" data-id=\"72604e83\" 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-21c5581b elementor-widget elementor-widget-text-editor\" data-id=\"21c5581b\" 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<h3>\u00centre riscul economiei \u015fi economia riscului<\/h3><p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,\u00a0 &#8211; <em>Pia\u021ba Financiar\u0103, aprilie 2013<\/em><\/p><p>Starea economiei privit\u0103 structural \u015fi \u00een ansamblu se reg\u0103se\u015fte fidel \u00een bilan\u0163urile b\u0103ncilor. B\u0103ncile \u00ee\u015fi racordeaz\u0103 modelul opera\u0163ional \u015fi de\u00a0 bussines func\u0163ie de mediul economic. Pia\u0163a UE poate fi descris\u0103 ca av\u00e2nd un model bazat pe banc\u0103, \u00een situa\u0163ia \u00een care cele mai multe gospod\u0103rii \u015fi \u00eentreprinderi sunt finan\u0163ate de b\u0103nci \u015fi nu de pie\u0163ele de capital.<\/p><p>Valul de reglementare a pie\u0163elor financiare europene este extrem de vast \u015fi include, \u00een special, capital mai mult \u015fi mai calitativ,\u00a0 raport de lichiditate mai mare, p\u00e2rghie mai mic\u0103 (adic\u0103 mai pu\u0163in credit) \u015fi suprasolicitare de capital pentru institu\u0163ii financiare\u00a0 mari \u015fi sistemice. \u00cen \u00eencercarea de a face fa\u0163\u0103 provoc\u0103rilor, b\u0103ncile depun eforturi pentru a-\u015fi \u00eembun\u0103t\u0103\u0163i eficien\u0163a \u015fi pentru a\u00a0 extrage sinergii\u00a0 din cota de pia\u0163\u0103 \u015fi din c\u00e2\u015ftigurile de capital.<\/p><p>Dat fiind c\u0103, \u00een plin\u0103 criz\u0103 de capital, reglementarea solicit\u0103 tocmai tot mai mult capital, at\u00e2t pentru creditele actuale c\u00e2t \u015fi pentru cele viitoare, b\u0103ncile acord\u0103 aten\u0163ie mai degrab\u0103 portofoliilor de credite curente dec\u00e2t celor poten\u0163iale. Necesarul suplimentar de\u00a0 capital care se g\u0103se\u015fte din ce \u00een ce mai greu \u015fi, \u00een consecin\u0163\u0103, din ce \u00een ce mai scump, vine \u00een contradic\u0163ie cu celelalte presiuni la care\u00a0 sunt b\u0103ncile supuse.<\/p><p>O scurt\u0103 analiz\u0103 strategic\u0103 a for\u0163elor ce ac\u0163ioneaz\u0103 asupra industriei bancare conchide o presiune negativ\u0103 pe toate componentele.\u00a0 Se constat\u0103 o barier\u0103 la intrarea \u00een industrie, \u00een condi\u0163iile \u00een care noul capital bancar nu poate diversifica competi\u0163ia \u015fi nu poate\u00a0 reduce pre\u0163ul produsului bancar c\u00e2t timp investitorul g\u0103se\u015fte o pia\u0163\u0103\u00a0 mai pu\u0163in profitabil\u0103\u00a0 dec\u00e2t cele din jur, percep\u0163ie negativ\u0103 a\u00a0 unor consumatori \u015fi un criticism accentuat al media vis-a-vis de industrie \u015fi o pia\u0163\u0103 foarte pu\u0163in ad\u00e2nc\u0103 f\u0103r\u0103 instrumente complementare creditului bancar.<\/p><p>Rentabilitatea activelor pie\u0163elor din jurul nostru este \u00eentre 1% \u015fi 6% fa\u0163\u0103 de pierderea \u00eenregistrat\u0103 de sistemului bancar rom\u00e2nesc \u00een\u00a02012, c\u00e2nd ROA a fost de -0.58%.<\/p><p>B\u0103ncile sunt nu numai furnizori de credit \u0219i de alte servicii \u0219i produse \u00een economie, ci \u015fi mari clien\u0163i pentru alte industrii. Ajustarea industriei bancare se reg\u0103se\u015fte pregnant \u00een diminuarea facturilor emise de aceste industrii. Astfel se acumuleaz\u0103 a\u015ftept\u0103ri\u00a0 e la industria bancar\u0103 care cu timpul se transform\u0103 \u00eentr-o criticism sanc\u0163io natoriu. Presiunea pe costuri a furnizorilor poate cre\u015fte duc\u00e2nd \u00eentr-o spiral\u0103 periculoas\u0103 la alte nemul\u0163umiri ale clien\u0163ilor bancari.<\/p><p>Institu\u0163iile de credit sunt obi\u015fnuite cu moni torizarea \u015fi criticismul cu privire la re\u0163inerea lor \u00een creditare. Acest lucru este de a\u015fteptat av\u00e2nd \u00een vedere\u00a0 importan\u0163a rolului lor \u00een finan\u0163area \u00eentreprinderii \u015fi importan\u0163a fundamental\u0103 a acestei industrii \u00een economie \u015fi \u00een\u00a0 societate.<\/p><p>Aceste dificult\u0103\u0163i de percep\u0163ie sunt legate de \u00eens\u0103\u015fi decizia de creditare ca proces ra\u0163ional. Companiile mai mici pot fi \u00eengrijorate sau nemul\u0163umite de un tratament mecanicist al cererii de creditare \u015fi de transmiterea unui r\u0103spuns care este prea pu\u0163in sau deloc explicat. B\u0103ncile trebuie s\u0103-\u015fi focuseze aten\u0163ia pe comunicare, explic\u00e2nd complexitatea evalu\u0103rii cererii de creditare \u015fi importan\u0163a factorilor calitativi \u00een afar\u0103 de cifre, \u00een special atunci c\u00e2nd se uit\u0103 la viitorul unei afaceri. Mai presus de toate, presiunea pus\u0103 pe b\u0103nci pentru a\u00a0 cre\u015fte creditarea indiferent de riscurile de credit \u015fi suspendarea judec\u0103\u0163ii de creditare vine \u00een contradic\u0163ie cu lec\u0163ia \u00eenv\u0103\u0163at\u0103 din criz\u0103\u00a0 \u015fi cu noul val de reglement\u0103ri pruden\u0163iale ce au fost \u015fi urmeaz\u0103 a fi implementate. Inclusiv la exit, se constat\u0103 dou\u0103 dinamici\u00a0 contradictorii.<\/p><p>Sistemul bancar rom\u00e2nesc \u00ee\u015fi demonstreaz\u0103 dedica\u0163ia pentru economia rom\u00e2neasc\u0103 prin finan\u0163area a 91% din totalul finan\u0163\u0103rii\u00a0 economiei rom\u00e2ne\u015fti cu numai 63% active bancare din PIB. Aceasta trebuie comparat\u0103 cu cele 360% active \u00een PIB ale b\u0103ncilor UE 27\u00a0 care asigur\u0103 numai 7075% din total finan\u0163are. \u00cen concluzie, b\u0103ncile din Rom\u00e2nia au o participare la riscul de credit al economiei rom\u00e2ne\u015fti mult mai mare dec\u00e2t cea european\u0103.<\/p><p>\u00cen consecin\u0163\u0103, nu se pune problema unui exit din cadrul industriei. Totu\u015fi, se constat\u0103 o pierdere din substan\u0163a comercial\u0103 a industriei prin apari\u0163ia de substitute care pot fi cuprinse de termenul european de shadow banking. Shadow banking \u00eenseamn\u0103 institu\u0163ii sau\u00a0 activit\u0103\u0163i financiare ce nu fac obiectul reglement\u0103rilor financiar bancare.<\/p><p>Pentru a evita arbitrajul de reglementare \u00eentre industria bancar\u0103 \u015fi industria paralel\u0103, reglementarea european\u0103 ar trebui s\u0103 urmeze dictonul \u201eacela\u015fi risc \u2013 aceea\u015fi regul\u0103\u201c.<\/p><p>Pentru ca IMM-urile \u015fi nu numai s\u0103-\u015fi califice cererea de creditare, trebuie s\u0103 de\u0163in\u0103 \u015fi o bun\u0103 capacitate de colateralizare a creditului. Portofoliile curente de garan\u0163ii sunt erodate de criz\u0103, iar economia noastr\u0103 nu are acumul\u0103ri la nivelul consistent al \u0163\u0103rilor dezvoltate.\u00a0 Putem spune c\u0103, \u00een acest moment, sunt prea pu\u0163ine rezerve pentru o creditare suplimentar\u0103.<\/p><p>Decizia b\u0103ncilor este \u00eentr-o m\u0103sur\u0103 din ce \u00een ce mai reglementat\u0103, iar dilema existen\u0163ial\u0103 a momentului r\u0103m\u00e2ne \u015fi pentru b\u0103nci, dar \u015fi\u00a0 pentru reglementare aceea\u015fi \u00eentre riscul economiei \u015fi economia riscului.<\/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-6d80b7c elementor-widget elementor-widget-button\" data-id=\"6d80b7c\" 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_aprilie_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":"<p>\u00centre riscul economiei \u015fi economia riscului Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,\u00a0 &#8211; Pia\u021ba Financiar\u0103, aprilie 2013 Starea economiei privit\u0103 structural \u015fi \u00een ansamblu se reg\u0103se\u015fte fidel \u00een bilan\u0163urile b\u0103ncilor. B\u0103ncile \u00ee\u015fi racordeaz\u0103 modelul opera\u0163ional \u015fi de\u00a0 bussines func\u0163ie de mediul economic. Pia\u0163a UE poate fi descris\u0103 ca av\u00e2nd un model bazat pe banc\u0103, \u00een situa\u0163ia [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2645376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2105","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u0103ncile din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u0103ncile din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"\u00centre riscul economiei \u015fi economia riscului Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,\u00a0 &#8211; Pia\u021ba Financiar\u0103, aprilie 2013 Starea economiei privit\u0103 structural \u015fi \u00een ansamblu se reg\u0103se\u015fte fidel \u00een bilan\u0163urile b\u0103ncilor. B\u0103ncile \u00ee\u015fi racordeaz\u0103 modelul opera\u0163ional \u015fi de\u00a0 bussines func\u0163ie de mediul economic. 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Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/","og_locale":"en_US","og_type":"article","og_title":"B\u0103ncile din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"\u00centre riscul economiei \u015fi economia riscului Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,\u00a0 &#8211; Pia\u021ba Financiar\u0103, aprilie 2013 Starea economiei privit\u0103 structural \u015fi \u00een ansamblu se reg\u0103se\u015fte fidel \u00een bilan\u0163urile b\u0103ncilor. B\u0103ncile \u00ee\u015fi racordeaz\u0103 modelul opera\u0163ional \u015fi de\u00a0 bussines func\u0163ie de mediul economic. Pia\u0163a UE poate fi descris\u0103 ca av\u00e2nd un model bazat pe banc\u0103, \u00een situa\u0163ia [&hellip;]","og_url":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2013-04-18T13:04:39+00:00","article_modified_time":"2025-03-14T08:55:50+00:00","og_image":[{"width":300,"height":196,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/2022\/01\/ARB_Florin-Danescu-e1712223859689.jpg","type":"image\/jpeg"}],"author":"Julius","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Julius","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/"},"author":{"name":"Julius","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/dee91fbc10f29d0338e589f6bc22010f"},"headline":"B\u0103ncile din Rom\u00e2nia","datePublished":"2013-04-18T13:04:39+00:00","dateModified":"2025-03-14T08:55:50+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/"},"wordCount":915,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/2022\/01\/ARB_Florin-Danescu-e1712223859689.jpg","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/","url":"https:\/\/www.arb.ro\/en\/intre-riscul-economiei-si-economia-riscului\/","name":"B\u0103ncile din Rom\u00e2nia - 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