{"id":2645228,"date":"2012-10-18T14:27:10","date_gmt":"2012-10-18T11:27:10","guid":{"rendered":"https:\/\/www.arb.ro\/?p=652"},"modified":"2024-01-20T14:14:41","modified_gmt":"2024-01-20T12:14:41","slug":"provocari-si-amenintari-la-adresa-sistemului-bancar-din-romania","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/provocari-si-amenintari-la-adresa-sistemului-bancar-din-romania\/","title":{"rendered":"\u00centr-un context dificil - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645228\" class=\"elementor elementor-2645228\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b8f32d9 e-flex e-con-boxed e-con e-parent\" data-id=\"1b8f32d9\" 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-1aa9a5cb elementor-widget elementor-widget-text-editor\" data-id=\"1aa9a5cb\" 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>Provoc\u0103ri \u0219i amenin\u021b\u0103ri la adresa sistemului bancar din Rom\u00e2nia<\/h3><p>Radu Gra\u021bian Ghe\u021bea, Pre\u0219edintele Consiliului Director al ARB, <em>Pia\u021ba Financiar\u0103, octombrie 2012<br \/><\/em><\/p><p style=\"text-align: justify;\">Contextul interna\u0163ional dificil, riscul de credit \u015fi reducerea volumului resurselor provenite din exterior, \u00een condi\u0163iile adopt\u0103rii unor m\u0103suri de dezintermediere financiar\u0103 de c\u0103tre unele b\u0103nci europene, sunt principalele provoc\u0103ri la adresa sistemului bancar rom\u00e2nesc.<\/p><p style=\"text-align: justify;\">Incertitudinile privind solu\u0163ionarea durabil\u0103 a crizei datoriilor suverane din zona euro pe fondul \u00eenr\u0103ut\u0103\u0163irii perspectivelor eco nomice la nivel mondial \u015fi discu\u0163iile actuale purtate la nivel european privind implementarea unui sistem unic de supraveghere bancar\u0103 \u00een zona euro \u015fi, probabil, pentru alte state europene din afara zonei euro care pot s\u0103 adere voluntar, genereaz\u0103 o serie de preocup\u0103ri \u2013 provoc\u0103ri pentru pia\u0163a financiar\u0103.<\/p><p style=\"text-align: justify;\">La toate acestea se adaug\u0103 implementarea prevederilor Noului acord privind cerin\u0163ele de capital \u2013 Basel III care stabile\u015fte, \u00een principal, noi cerin\u0163e de capital pentru institu\u0163iile de credit, precum \u015fi noile reglement\u0103ri care se inten\u0163io neaz\u0103 a se emite pe zona credit\u0103rii \u00een valut\u0103 a companiilor. \u00cen scenariul unui climat financiar interna\u0163ional relativ dificil, adaptarea grupurilor financiar bancare la cerin\u0163ele de solvabilitate impuse de prevederile Basel III ar putea conduce, pe termen mediu, la restr\u00e2ngerea expunerilor. Asigurarea cre\u015fterii factorului de capital va restr\u00e2nge practic din capacitatea de creditare a eco &#8211;<br \/>nomiei reale. O eventual\u0103 restr\u00e2ngere a capacit\u0103\u0163ii de creditare la nivel european va exercita presiune pe revirimentul economiei, care are nevoie de creditare pentru a se revitaliza. \u00cen acest scenariu, companiile care vor s\u0103 se extind\u0103 prin creditare vor avea de suferit.<\/p><p style=\"text-align: justify;\">Trebuie men\u0163inute nivelurile de solvabilitate \u015fi provizionare, cheltuielile cu pro vizionarea av\u00e2nd cea mai important\u0103 pondere \u00een totalul cheltuielilor efectuate de b\u0103nci. Acest factor va conduce, probabil, la \u00eenregistrarea unui rezultat net negativ la nivel de sistem, pentru cel de-al treilea an consecutiv.<\/p><p style=\"text-align: justify;\">Una dintre provoc\u0103ri este riscul de credit, \u00een condi\u0163iile \u00een care creditele neperformante sunt a\u015fteptate s\u0103 creasc\u0103 \u00een continuare, de la nivelul de 16,8% \u00een luna iunie 2012. B\u0103ncile vor fi obligate s\u0103 constituie noi provizioane, ceea ce va eroda profiturile institu\u0163iilor de credit, iar \u00een unele cazuri este posibil s\u0103 se<br \/>impun\u0103 suplimentarea capitalului. Provizioanele constituite de b\u0103nci se cifreaz\u0103 la aproximativ 8 miliarde de euro la fineleprimului semestru din 2012. Angajamentul ac\u0163ionarilor institu\u0163iilor de credit, materializat prin cre\u015fterea capitaliz\u0103rii siste mului bancar, a asigurat men\u0163inerea adecv\u0103rii capitalului la<br \/>niveluri confortabile, indicatorul de solvabilitate \u00eenregistrat fiind de 14,66% \u00een luna iunie 2012, \u00een condi\u0163iile \u00een care la nivel european minimul reglementat este de 8%.<\/p><p style=\"text-align: justify;\">Impactul crizei asupra rezultatelor financiare \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 opt luni ale acestui an este de 11.068. Institu\u0163iile de credit din Rom\u00e2nia sunt implicate activ \u00een redactarea amendamentelor la legisla\u0163ia privind insolven\u0163a al\u0103turi de consultan\u0163ii desemna\u0163i de Ministerul Justi\u0163iei.<\/p><p style=\"text-align: justify;\">Activitatea este menit\u0103 s\u0103 conduc\u0103 la adoptarea Codului Insolven\u0163ei, care va integra coerent toate reglement\u0103rile din aceast\u0103 materie.<br \/>Nu trebuie s\u0103 excludem posibilitatea ca volumul resurselor provenite din exterior s\u0103 nu mai fie at\u00e2t de generos \u2013 av\u00e2nd \u00een vedere posibilele evolu\u0163ii externe \u2013, ca atare ar trebui identificate surse alternative pentru a sus\u0163ine creditarea. B\u0103ncile rom\u00e2ne\u015fti ar putea, eventual, s\u0103 emit\u0103 obliga\u0163iuni ipotecare pentru a-\u015fi finan\u0163a portofoliile de credite \u015fi a-\u015fi echilibra activele pe maturit\u0103\u0163i mai lungi.<\/p><p style=\"text-align: justify;\">\u00cemi exprim speran\u0163a ca transpunerile directivelor europene referitoare la activitatea bancar\u0103 \u00een legisla\u0163ia na\u0163ional\u0103 s\u0103 nu ridice probleme, armonizarea legisla\u0163iei europene \u00eensemn\u00e2nd aplicarea \u00een acela\u015fi fel \u00een toate \u0163\u0103rile UE av\u00e2nd \u00een vedere inten\u0163ia de creare a unei pie\u0163e integrate a serviciilor financiare la nivel comunitar.<\/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-a868a9a elementor-widget elementor-widget-button\" data-id=\"a868a9a\" 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\/Ghetea-provocari-amenintari-sistem-bancar.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>Provoc\u0103ri \u0219i amenin\u021b\u0103ri la adresa sistemului bancar din Rom\u00e2nia<\/h3>\n<p>Radu Gra\u021bian Ghe\u021bea, Pre\u0219edintele Consiliului Director al ARB &#8211; <em>Pia\u021ba Financiar\u0103, octombrie 2012<br \/>\n<\/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":[46,47,48,49,50],"class_list":["post-2645228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-contextul-international-dificil","tag-dezintermediere-financiara","tag-provocari-la-adresa-sistemului-bancar-romanesc","tag-reducerea-volumului-resurselor-provenite-din-exterior","tag-riscul-de-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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