{"id":2115,"date":"2013-05-18T21:03:42","date_gmt":"2013-05-18T18:03:42","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2115"},"modified":"2024-01-20T14:13:20","modified_gmt":"2024-01-20T12:13:20","slug":"bancile-ar-fi-mai-deschise-fara-excesele-intrarii-in-insolventa","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/bancile-ar-fi-mai-deschise-fara-excesele-intrarii-in-insolventa\/","title":{"rendered":"O condi\u021bie minimal\u0103 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2115\" class=\"elementor elementor-2115\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d0d4fd8 e-flex e-con-boxed e-con e-parent\" data-id=\"7d0d4fd8\" 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-44ae3162 elementor-widget elementor-widget-text-editor\" data-id=\"44ae3162\" 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 style=\"text-align: justify;\">B\u0103ncile ar fi mai deschise f\u0103r\u0103 excesele intr\u0103rii \u00een insolven\u0163\u0103<\/h3><p style=\"text-align: justify;\">Radu Gra\u0163ian Ghe\u0163ea, Pre\u015fedintele Consiliului Director al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor,Pre\u015fedinte CEC Bank\u00a0 &#8211; <em>Pia\u021ba Financiar\u0103, mai 2013<\/em><\/p><p dir=\"ltr\" style=\"text-align: justify;\" data-font-name=\"g_font_p0_3\" data-canvas-width=\"537.0749999999997\">B\u0103ncile ar fi mai deschise spre creditare dac\u0103 impactul legisla\u0163iei privind insolven\u0163a \u015fi modul de aplicare nu ar produce distorsiuni prin excesele intr\u0103rii \u00een insolven\u0163\u0103. Este necesar\u0103 urgentarea modific\u0103rii \u015fi complet\u0103rii legisla\u0163iei privind insolven\u0163a persoanelor juridice, limit\u00e2nd \u015fi sanc\u0163ion\u00e2nd excesele.<\/p><p style=\"text-align: justify;\"><em>Comunitatea bancar\u0103 urm\u0103re\u015fte s\u0103 asigure creditorilor o mai mare transparen\u0163\u0103 \u00een privin\u0163a gestion\u0103rii procedurii de c\u0103tre\u00a0 administratorul judiciar \u015fi protec\u0163ia intereselor creditorilor majoritari \u015fi garanta\u0163i. ARB este implicat\u0103 activ \u00een redactarea\u00a0 amendamentelor la legisla\u0163ia privind insolven\u0163a al\u0103turi de consultan\u0163ii desemna\u0163i de Ministerul Justi\u0163iei. Activitatea este menit\u0103 s\u0103\u00a0 conduc\u0103 la adoptarea Codului Insolven\u0163ei, care va integra coerent toate reglement\u0103rile din aceast\u0103 materie. Impactul crizei asupra\u00a0 rezultatelor financiare \u015fi intrarea \u00een insolven\u0163\u0103 a unui num\u0103r important de companii men\u0163ine \u00eenc\u0103 o atitudine prudent\u0103 \u00een ceea ce prive\u015fte creditarea. Numai \u00een primul trimestru, num\u0103rul firmelor intrate sub inciden\u0163a legii insolven\u0163ei se cifreaz\u0103 la 4.500.<\/em><\/p><p style=\"text-align: justify;\"><em>Costurile generate de provizioanele pentru \u00eemprumuturile nerambursate sunt mai mult dec\u00e2t relevante. Soldul creditelor aflate \u00een\u00a0 categoria \u201epierdere\u201c se cifreaz\u0103 la aproximativ 11,5 miliarde de euro, acestea fiind provizionate integral. La nivelul \u00eentregii\u00a0 economii, suma vehiculat\u0103 a fi prins\u0103 \u00een labirintul insolven\u0163ei este de aproximativ 25 miliarde de\u00a0 euro, rata de recuperare fiind simbolic\u0103. Cele mai multe dosare e\u015fueaz\u0103 din p\u0103cate \u00een faliment.<br \/><\/em><\/p><p style=\"text-align: justify;\"><em>De asemenea, trebuie avut\u0103 \u00een vedere sanc\u0163ionarea drastic\u0103 a \u00eenc\u0103lc\u0103rii disciplinei \u00een onorarea cambiilor, biletelor la ordin \u015fi a\u00a0 cecurilor emise de debitori.<\/em><\/p><p style=\"text-align: justify;\"><em>Reg\u00e2ndirea politicii de creditare, menit\u0103 s\u0103 fr\u00e2neze procesul de dezintermediere financiar\u0103 prin \u0163intirea de domenii prioritare \u00een\u00a0 concordan\u0163\u0103 cu strategia de reindustrializare, concentrarea pe accelerarea atragerii fondurilor europene \u015fi sus\u0163inerea agriculturii \u015fi\u00a0 proiectelor mari de investi\u0163ii, este corelat\u0103 cu obiectivele de dezvoltare economic\u0103, cu m\u0103suri legislative \u015fi reglement\u0103ri. Banii au\u00a0 devenit mai scumpi \u015fi mai greu de ob\u0163inut, iar reglement\u0103rile care se au \u00een vedere \u00een plan interna\u0163ional vor conduce la rea\u015fezarea pe\u00a0 baze noi a deciziilor de alocare de capital \u015fi finan\u0163are.<\/em><\/p><p style=\"text-align: justify;\"><em>Probabil c\u0103 raportul credite acordate\/depozite atrase urmeaz\u0103\u00a0 s\u0103 fie ajustat de la nivelul de 120%, \u00eenregistrat \u00een decembrie 2012, la 115% prin reducerea credit\u0103rii. Miza economiei na\u0163ionale este atragerea fondurilor europene, iar resursa intern\u0103 este foarte\u00a0 important\u0103.<\/em><\/p><p style=\"text-align: justify;\"><em>Sistemul bancar sus\u0163ine implementarea de programe multi-anuale de \u00eencurajare \u015fi sprijinire a IMM-urilor, majorarea capitalului\u00a0 Fondurilor de garantare a creditelor \u015fi a Fondului de Contragarantare facilit\u00e2nd, prin garan\u0163iile emise, accesul c\u00e2t mai multor firme\u00a0 la creditare.<\/em><\/p><p style=\"text-align: justify;\"><em>\u00cen contextul existen\u0163ei unor semnale divergente privind redresarea economic\u0103 la nivel\u00a0 mondial, consider c\u0103 r\u0103m\u00e2ne preocupant accesul IMM-urilor la finan\u0163are, av\u00e2nd \u00een\u00a0 vedere c\u0103 acest sector genereaz\u0103 cea mai mare parte a cifrei de afaceri. Provoc\u0103rile la\u00a0 adresa sistemului bancar sunt \u00een cele din urm\u0103 preluate de mediul de business, a\u015fa cum \u015fi sectorul bancar preia \u00een bilan\u0163ul s\u0103u\u00a0 dificult\u0103\u0163ile mediului de business. Fie c\u0103 vorbim de regle mentarea Basel III, de contextul interna\u0163ional dificil, de restr\u00e2ngerea expunerilor, de riscul de credit sau de impactul regulamentului privind creditarea \u00een valut\u0103 a IMM-urilor, toate conduc la constr\u00e2ngeri \u015fi mai ample pentru mediul de business.\u00a0 Finan\u0163area sectorului IMM-urilor a avansat\u00a0 modest \u00een perioada de criz\u0103,\u00a0 ponderea IMM-urilor cu credite fiind de 21% din IMMurile active.<\/em><\/p><p style=\"text-align: justify;\"><em>Comunitatea bancar\u0103 sus\u0163ine ini\u0163iativele care promoveaz\u0103 activitatea \u015fi accesul la finan\u0163are al IMM-urilor eligibile, fiind\u00a0 preocupat\u0103 de reducerea impactului negativ al reglement\u0103rilor bancare asupra credit\u0103rii.<\/em><\/p><p style=\"text-align: justify;\"><em>Reglement\u0103rile Basel III \u2013 Noul acord privind cerin\u0163ele de capital pentru institu\u0163iile de credit CRD\u00a0 IV introduc 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\u00a0 Comitetului de la Basel. Programul de implementare a reglement\u0103rilor Basel III prevede ca acestea s\u0103 intre \u00een vigoare la 1 ianuarie\u00a0 2014. Regulamentul privind cerin\u0163ele de capital (CRR) urmeaz\u0103 s\u0103 fie publicat \u00een Monitorul Oficial cel mai probabil \u00een luna iulie,\u00a0 <em>\u00een timp ce Directiva va fi transpus\u0103 \u00een reglement\u0103ri na\u0163ionale. <\/em><\/em><\/p><p style=\"text-align: justify;\"><em>Adaptarea gradual\u0103 la cerin\u0163ele de capital nu eviden\u0163iaz\u0103 \u00een acest moment probleme \u00een materie de necesar de capitalizare la nivelul\u00a0 sistemului bancar rom\u00e2nesc, indicatorul de solvabilitate fiind destul de solid, de peste 14,6%, dar va pune, \u00een opinia mea, presiune pe\u00a0 activitatea de creditare.<\/em><\/p><p>\u00a0<\/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-e5b0642 elementor-widget elementor-widget-button\" data-id=\"e5b0642\" 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_mai_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>B\u0103ncile ar fi mai deschise f\u0103r\u0103 excesele intr\u0103rii \u00een insolven\u0163\u0103<\/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, mai 2013<\/em><\/p>","protected":false},"author":3,"featured_media":2645480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2115","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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