{"id":2645227,"date":"2012-11-18T14:28:11","date_gmt":"2012-11-18T12:28:11","guid":{"rendered":"https:\/\/www.arb.ro\/?p=641"},"modified":"2024-01-20T14:14:29","modified_gmt":"2024-01-20T12:14:29","slug":"punct-de-interes-pentru-bancheri","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/punct-de-interes-pentru-bancheri\/","title":{"rendered":"Punct de interes pentru bancheri - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645227\" class=\"elementor elementor-2645227\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51d7b9bf e-flex e-con-boxed e-con e-parent\" data-id=\"51d7b9bf\" 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-27790990 elementor-widget elementor-widget-text-editor\" data-id=\"27790990\" 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>Accesul IMM la finan\u021bare r\u0103m\u00e2ne preocupant<\/h3><p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, <em>Pia\u021ba Financiar\u0103 &#8211; noiembrie 2012<\/em><\/p><p dir=\"ltr\" style=\"text-align: justify;\" data-font-name=\"g_font_p0_3\" data-canvas-width=\"630.1168\">Sistemul bancar este principalul finan\u0163ator al economiei rom\u00e2ne\u015fti, asigur\u00e2nd aproximativ 91% din finan\u0163area economiei reale, \u00een condi\u0163iile \u00een care la nivel european finan\u0163area economiei prin credite bancare este de 75%, iar \u00een SUA dependen\u0163a de creditare este de doar 25%. O economie care se finan\u0163eaz\u0103 preponderent prin credite bancare, cum este cea a Rom\u00e2niei, va avea mai mult de suferitca urmare a implement\u0103rii Basel III, care stabile\u015fte noi cerin\u0163e de capital pentru institu\u0163iile de credit, comparativ cu alte economii dependente de finan\u0163area prin pie\u0163ele de capital.<\/p><p style=\"text-align: justify;\">Adaptarea grupurilor financiar bancare la cerin\u0163ele de solvabilitate impuse de prevederile Basel III ar putea conduce la restr\u00e2ngerea expunerilor, sc\u0103z\u00e2nd interesul institu\u0163iilor de credit pentru finan\u0163area IMM-urilor. Asigurarea cre\u015fterii factorului de capital va restr\u00e2nge din capacitatea de creditare a economiei reale. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, al\u0103turi de alte asocia\u0163ii bancare europene \u015fi de grupuri bancare, a efectuat demersuri la Parlamentul European \u015fi Comisia European\u0103 privind modificarea formei propunerii de reglementare.<\/p><p style=\"text-align: justify;\">\u00cen contextul existen\u0163ei unor semnale divergente privind redresarea economic\u0103 la nivel mondial, consider c\u0103 r\u0103m\u00e2ne preocupant accesul IMM-urilor la finan\u0163are, av\u00e2nd \u00een vedere c\u0103 acest sector genereaz\u0103 cea mai mare parte a cifrei de afaceri. Finan\u0163area sectorului IMM-urilor a avansat modest \u00een perioada de criz\u0103, ponderea IMM-urilor cu credite fiind de 21% din IMM-urile active.<\/p><p style=\"text-align: justify;\">Provoc\u0103rile la adresa sistemului bancar sunt \u00een cele din urm\u0103 preluate de mediul de business. Fie c\u0103 vorbim de reglementarea 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 vor<br \/>conduce la constr\u00e2ngeri \u015fi mai ample pentru mediul de business.<\/p><p style=\"text-align: justify;\">Av\u00e2nd ca scop gestionarea adecvat\u0103 a riscurilor, aplicarea recomand\u0103rilor Comitetului European de Risc Sistemic prin care este urm\u0103rit\u0103 descurajarea credit\u0103rii \u00een valut\u0103 pe zona entit\u0103\u0163ilor nefinanciare care nu ob\u0163in venituri \u00een valut\u0103 va reduce din capacitatea de creditare. Cel pu\u0163in \u00een faza de proiect, regulamentul prevedea c\u0103 \u00een procesul de determinare a capacit\u0103\u0163ii de rambursare a entit\u0103\u0163ii nefinanciare care nu ob\u0163ine venituri \u00een valut\u0103 se va \u0163ine cont de valorile pentru \u015focul pe curs de schimb \u2013 35,5% EUR, 52,6% CHF, 40,9% USD \u015fi pentru \u015focul pe rata dob\u00e2nzii \u2013 0,6 puncte procentuale pentru toate<br \/>monedele.<\/p><p style=\"text-align: justify;\">Comunitatea bancar\u0103 mizeaz\u0103 pe faptul c\u0103 prevederile noului regulament vor \u0163ine cont de necesarul de creditare al \u00eentreprinderilor mici \u015fi mijlocii \u015fi de impactul pe care l-ar provoca asupra economiei. Restr\u00e2ngerea capacit\u0103\u0163ii de \u00eemprumut a IMM-urilor va exercita presiune pe revirimentul economiei.<br \/>Reticen\u0163a b\u0103ncilor \u00een creditare este de \u00een\u0163eles. Rata creditelor neperformante pe sectorul IMM era \u00een iulie 2012 de 23,2%, \u00eentimp ce la nivelul corpora\u0163iilor rata de neperforman\u0163\u0103 era de 4,3%. Impactul crizei asupra rezultatelor financiare, creditele neperformante \u00eenregistrate at\u00e2t pe segmentul clien\u0163ilor persoane fizice c\u00e2t \u015fi juridice \u015fi intrarea \u00een insolven\u0163\u0103 a unui num\u0103r important de companii men\u0163ine o atitudine prudent\u0103 \u00een ceea ce prive\u015fte creditarea. Num\u0103rul firmelor intrate \u00een insolven\u0163\u0103 \u00een primele nou\u0103 luni ale acestui an este de 12.263. Rezultatul? Cre\u015fterea volumului provizioanelor pe care institu\u0163iile de credit au fost nevoite s\u0103 le constituie.<\/p><p style=\"text-align: justify;\">Volumul provizioanelor constituite de b\u0103nci dep\u0103\u015fe\u015fte 8 miliarde de euro. B\u0103ncile au restructurat o parte dintre creditele celor afla\u0163i \u00een dificultate, \u00eens\u0103 capacitatea de re venire \u00een urma procesului de restructurare depinde integral de debitor, climatul economic actual fiind dificil pentru mediul de afaceri, cele mai afectate fiind IMM-urile.<\/p><p style=\"text-align: justify;\">\u00cen procesul de creditare, b\u0103ncile se vor orienta cu predilec\u0163ie spre zonele indicate de strategiile proprii de dezvoltare, iar \u00een acest proces vor \u0163ine cont de reglement\u0103rile existente sau care urmeaz\u0103 s\u0103 impacteze linia respectiv\u0103 de business.<\/p><p style=\"text-align: justify;\">Sus\u0163inerea pe scar\u0103 c\u00e2t mai larg\u0103 a bussinessurilor care s-au adaptat crizei prin utilizarea mecanismelor specifice ale garant\u0103rii \u015fi contragarant\u0103rii este o solu\u0163ie. Mobilizarea pie\u0163ei financiar bancare, prin oferirea de instrumente specifice de garantare \u015fi contra garantare care s\u0103 genereze cre\u015fterea \u00eencrederii \u00een sectorul IMM, ar avea un impact asupra economiei prin cre\u015fterea exporturilor \u015fi num\u0103rului locurilor de munc\u0103.<\/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-5fe0043 elementor-widget elementor-widget-button\" data-id=\"5fe0043\" 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\/Danescu-acces-IMM-finantare.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>Accesul IMM la finan\u021bare r\u0103m\u00e2ne preocupant<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, <em>Pia\u021ba Financiar\u0103, noiembrie 2012<\/em><\/p>","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":[42,43,44,45],"class_list":["post-2645227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-accesul-imm-la-finantare","tag-finantare-imm","tag-florin-danescu","tag-punct-de-interes-pentru-bancheri"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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