{"id":2458662,"date":"2021-10-26T13:00:31","date_gmt":"2021-10-26T10:00:31","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2458662"},"modified":"2024-01-20T12:18:47","modified_gmt":"2024-01-20T10:18:47","slug":"hotnews-bancile-vor-ramane-alaturi-de-clientii-lor","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/hotnews-bancile-vor-ramane-alaturi-de-clientii-lor\/","title":{"rendered":"ARB Talks: Florin D\u0103nescu, ARB \u2013 B\u0103ncile vor r\u0103m\u00e2ne al\u0103turi de clien\u021bii lor - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2458662\" class=\"elementor elementor-2458662\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51d6bc5a e-flex e-con-boxed e-con e-parent\" data-id=\"51d6bc5a\" 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-56fb31f1 elementor-widget elementor-widget-text-editor\" data-id=\"56fb31f1\" 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 style=\"text-align: justify;\"><strong>Despre cum a intrat Rom\u00e2nia din punct de vedere economic \u00een valul patru al pandemiei, despre ie\u0219irea din criz\u0103 a IMM-urilor \u0219i nevoia de educa\u021bie financiar\u0103 a acestora, c\u00e2t \u0219i despre importan\u021ba cre\u0219terii intermedierii financiare \u00een Rom\u00e2nia ne spune Florin D\u0103nescu, Pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u00eentr-un interviu acordat<\/strong> <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-25134461-video-interviu-florin-danescu-arb-bancile-vor-ramane-alaturi-clientii-lor.htm\">Hotnews.ro<\/a>.<\/p><p style=\"text-align: justify;\">Pe scurt:<\/p><p style=\"text-align: justify;\"><strong>Despre intrarea Rom\u00e2niei \u00een valul 4 din punct de vedere financiar:<\/strong><\/p><p style=\"text-align: justify;\">Florin D\u0103nescu:<\/p><p style=\"text-align: justify;\">Intr\u0103m \u00een momentul de fa\u021b\u0103 cu aten\u021bie sporit\u0103. Surprinz\u0103tor pentru mult\u0103 lume, \u00een aceast\u0103 perioad\u0103 a pandemiei, creditarea a crescut cu aproape 12%, dac\u0103 e s\u0103 compar\u0103m iunie 2021 la iunie 2020. Activele bancare au crescut cu aproape 13% \u0219i economisirea a crescut cel mai mult, cu 15%. Acestea sunt cifrele bune, sunt importante pentru a trece mai u\u0219or prin aceast\u0103 perioad\u0103, pentru c\u0103 nu mai avem nevoie \u0219i de o criz\u0103 financiar\u0103. \u00cen aceast\u0103 criz\u0103 nu suntem. Avem trei crize care se suprapun: o criz\u0103 dat\u0103 de impulsul infla\u021bionist care vine din cre\u0219terea accelerat\u0103 a pre\u021burilor energiei, criza sanitar\u0103 cu care aproape c\u0103 ne-am obi\u0219nuit \u0219i criza politic\u0103.<\/p><p style=\"text-align: justify;\">B\u0103ncile vor r\u0103m\u00e2ne al\u0103turi de clien\u021bii lor. B\u0103ncile \u0219i-au asumat altfel rolul \u0219i importan\u021ba, dec\u00e2t \u00een criza financiar\u0103 din anii 2008. Din activitatea de am\u00e2nare de rate, care a fost foarte discutat\u0103 \u00eentr-o anumit\u0103 perioad\u0103, din aproape 700 de mii de am\u00e2n\u0103ri, aproape dou\u0103 treimi au fost f\u0103cute prin metodele b\u0103ncilor \u0219i nu sub perspectiva legislativ\u0103.<\/p><p style=\"text-align: justify;\">La \u00eenceputul anului 2020, noi ie\u0219eam \u0219i spuneam c\u0103 asta se va \u00eent\u00e2mpla. Erau destul de multe \u00eendoieli pentru c\u0103 percep\u021bia public\u0103 nu era foarte favorabil\u0103 pentru b\u0103nci. Faptul c\u0103 noi ne-am \u021binut de cuv\u00e2nt \u0219i s-a \u00eent\u00e2mplat a\u0219a cum am spus, \u00eencet, \u00eencet, percep\u021bia public\u0103 a devenit din ce \u00een ce mai bun\u0103.<\/p><p style=\"text-align: justify;\"><strong>Cum au ie\u0219it IMM-urile din criz\u0103<\/strong><\/p><p style=\"text-align: justify;\">Florin D\u0103nescu:<\/p><p style=\"text-align: justify;\">Putem spunea c\u0103 au ie\u0219it mai \u00eent\u0103rite, \u00een mod evident. Au ie\u0219it cu o not\u0103 bun\u0103 prin faptul c\u0103 s-a evitat at\u00e2t c\u00e2t s-a putut, cel pu\u021bin din perspectiva b\u0103ncilor, acumularea de noi semne negative din aceast\u0103 criz\u0103 pentru companii.<\/p><p style=\"text-align: justify;\">Din toate IMM-urile din Rom\u00e2nia, aproximativ 15% sunt beneficiare de credite. Intermedierea financiar\u0103, creditarea popula\u021biei \u0219i a companiilor raportat\u0103 la PIB, e cam de 26%. Media european\u0103 era de peste 85%. Pandemia, dac\u0103 ar fi prins o intermediere financiar\u0103 mai mare, v\u0103 aduc aminte c\u0103 \u00een 2011 intermedierea financiar\u0103 era de 40% din PIB, ar fi dat posibilitatea, iat\u0103, \u00eentr-un moment de criz\u0103, ca b\u0103ncile s\u0103 contribuie \u0219i s\u0103 ajute mai multe \u00eentreprinderi.<\/p><p style=\"text-align: justify;\">Cea mai mare parte a insolven\u021belor sau aceste dinamici posibil negative se va adresa unei ponderi mari de companii care nu sunt clien\u021bi bancari.<\/p><p style=\"text-align: justify;\">P\u00e2n\u0103 acum putem spune c\u0103 s-a f\u0103cut fa\u021b\u0103 foarte bine situa\u021biei, dar acum, \u00een acest val 4, vedem \u00eentr-adev\u0103r lucruri pe care nu le-am dorit \u0219i nu le-am prev\u0103zut. Nu vreau s\u0103 fiu eu mesagerul, nici individual, nici institu\u021bional al vaccin\u0103rii \u00een Rom\u00e2nia, dar asta are o leg\u0103tur\u0103 foarte puternic\u0103 cu economia Rom\u00e2niei \u0219i economia are o leg\u0103tur\u0103 foarte puternic\u0103 cu bun\u0103starea fiec\u0103ruia.<\/p><p style=\"text-align: justify;\"><strong>Nevoia de educa\u021bie financiar\u0103 pentru antreprenori<\/strong><\/p><p style=\"text-align: justify;\">Florin D\u0103nescu:<\/p><p style=\"text-align: justify;\">Dac\u0103 m\u0103 uit la un research f\u0103cut de BNR \u00een repetate r\u00e2nduri cu privire la situa\u021bia IMM-urilor din Rom\u00e2nia, la problemele indentificate de companii \u00een calea dezvolt\u0103rii lor, accesul la finan\u021bare vine undeva pe locul 9 c\u0103 fiind o problem\u0103. Asta arat\u0103 c\u0103 este un nivel de educa\u021bie financiar\u0103 antreprenorial\u0103 nu foarte ridicat c\u00e2t timp pozi\u021bionezi lipsa de finan\u021bare c\u0103 nefiind o problem\u0103. E adev\u0103rat c\u0103 pe primul loc vine lipsa cererii, costul cu for\u021ba de munc\u0103, disponibilitatea for\u021bei de munc\u0103 calificate, costurile de produc\u021bie, concuren\u021ba, infrastructura de transport, nivelul sc\u0103zut de investi\u021bii publice care s\u0103 ajute compania, disciplin\u0103 la plat\u0103 \u00een economie, lucru pe care-l semnalizeaz\u0103 \u0219i industria bancar\u0103 \u00eentotdeauna, dar pare c\u0103 doar noi r\u0103m\u00e2nem cu aceast\u0103 percep\u021bie negativ\u0103 c\u00e2nd ne dorim s\u0103 existe disciplin\u0103 financiar\u0103 la plata \u00een economie.<\/p><p style=\"text-align: justify;\">C\u00e2t timp concuren\u021bii t\u0103i cresc, tu devii din ce \u00een ce mai mic, p\u00e2n\u0103 c\u00e2nd dispari. Despre asta e vorba. Vorbim strict economic. Rom\u00e2nia are o problem\u0103 \u00een acest sens. Ca s\u0103 treci la nivelul urm\u0103tor trebuie s\u0103 faci investi\u021bii, ca s\u0103 faci investi\u021bii trebuie s\u0103 ai finan\u021bare, ca s\u0103 ai finan\u021bare trebuie s\u0103 te ui\u021bi la ce fel de finan\u021bare po\u021bi s\u0103 ai \u0219i \u00een ce m\u0103sur\u0103. \u0218i da, trebuie s\u0103 pl\u0103te\u0219ti aceste costuri ale birocra\u021biei, ale documenta\u021biei, ale planului de afaceri, ale faptului c\u0103 po\u021bi demonstra c\u0103 \u0219tii ce vrei \u0219i te pricepi la ceea ce faci. \u0102sta este pre\u021bul credit\u0103rii.<\/p><p style=\"text-align: justify;\"><strong>Cum arat\u0103 perioada urm\u0103toare din punct de vedere al economiei<\/strong><\/p><p style=\"text-align: justify;\">Florin D\u0103nescu:<\/p><p style=\"text-align: justify;\">Nu am putut niciodat\u0103 s\u0103 vorbim despre relansarea economiei rom\u00e2ne\u0219ti. A trebuit s\u0103 vorbim mereu de lansarea economiei rom\u00e2ne\u0219ti. Asta era o percep\u021bie&#8230; \u0219i nu vreau s\u0103 fiu cinic sau negativist aici. Evident c\u0103 am crescut foarte mult \u00een ultimii zeci de ani. Nu ne putem compara cu punctul de pornire absolut deloc, dar noi trebuie s\u0103 avem un indicator nou, c\u00e2t de bine ne este acum fa\u021b\u0103 de acum 5 ani \u0219i c\u00e2t de mult am recuperat din decalajele fa\u021b\u0103 de Europa din perspectiv\u0103 economic\u0103.<\/p><p style=\"text-align: justify;\">Mi-e clar c\u0103 e o iarn\u0103 dificil\u0103 \u0219i asta vine \u00een special din suprapunerea acestor crize de care vorbeam la \u00eenceputul discu\u021biei noastre. Noi \u0219tim ce putem s\u0103 facem noi, s\u0103 r\u0103m\u00e2nem c\u00e2t mai aproape de clien\u021bii no\u0219tri \u0219i s\u0103 \u00eencerc\u0103m s\u0103 nu producem \u0219i noi un decalaj sau un efort suplimentar \u00een aceast\u0103 perioad\u0103.<\/p><p style=\"text-align: justify;\">\u00cen ceea ce prive\u0219te infla\u021bia, care e principalul adversar al economiei \u0219i al oamenilor \u00een acest moment, al companiilor, economiilor lor, s\u0103n\u0103t\u0103\u021bii lor financiare, stabilit\u0103\u021bii lor de bun\u0103stare. Infla\u021bia e principalul pericol \u0219i vreau s\u0103 v\u0103 aduc aminte c\u0103 Rom\u00e2niei i-a luat 25 de ani s\u0103 intre cu infla\u021bia sub 10%, asta poate fi m\u0103surarea efortului depus \u00een aceast\u0103 perioad\u0103. \u0218i atunci lupta principal\u0103 trebuie dat\u0103 cu infla\u021bia.<\/p><p style=\"text-align: justify;\">Ce putem spune noi \u00een aceast\u0103 perioad\u0103, chiar dac\u0103 pare contraproductiv pentru industria bancar\u0103, trebuie s\u0103 fim cu to\u021bii aten\u021bi s\u0103 m\u0103sur\u0103m de dou\u0103 ori \u0219i s\u0103 t\u0103iem o dat\u0103. \u0218i din perspectiva credit\u0103rii, chiar dac\u0103 b\u0103ncile r\u0103m\u00e2n cu arma la picior, s\u0103 spunem, \u0219i din perspectiva credit\u0103rii, clien\u021bii no\u0219tri, popula\u021bia, companiile, chiar statul trebuie s\u0103 se uite cu aten\u021bie \u0219i la felul \u00een care se \u00eendatoreaz\u0103 \u00een perioada asta.<\/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>Florin D\u0103nescu, Pre\u0219edinte Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video HotNews \u2013 26 octombrie 2021<\/p>","protected":false},"author":3,"featured_media":3014534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2458662","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 v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ARB Talks: Florin D\u0103nescu, ARB - B\u0103ncile vor r\u0103m\u00e2ne al\u0103turi de clien\u021bii lor - 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\/hotnews-bancile-vor-ramane-alaturi-de-clientii-lor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ARB Talks: Florin D\u0103nescu, ARB - B\u0103ncile vor r\u0103m\u00e2ne al\u0103turi de clien\u021bii lor - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Florin D\u0103nescu, Pre\u0219edinte Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video HotNews \u2013 26 octombrie 2021\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/hotnews-bancile-vor-ramane-alaturi-de-clientii-lor\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-26T10:00:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T10:18:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/florin-danescu42-6.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"118\" \/>\n\t<meta property=\"og:image:height\" content=\"118\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Julius\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julius\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/hotnews-bancile-vor-ramane-alaturi-de-clientii-lor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/hotnews-bancile-vor-ramane-alaturi-de-clientii-lor\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"ARB Talks: Florin D\u0103nescu, ARB &#8211; 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