{"id":2645229,"date":"2012-09-18T14:26:02","date_gmt":"2012-09-18T11:26:02","guid":{"rendered":"https:\/\/www.arb.ro\/?p=656"},"modified":"2024-01-20T14:14:59","modified_gmt":"2024-01-20T12:14:59","slug":"reglementarile-basel-iii-prioritatea-zero-pentru-sistemul-bancar","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/reglementarile-basel-iii-prioritatea-zero-pentru-sistemul-bancar\/","title":{"rendered":"Probleme \u00een analiz\u0103 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645229\" class=\"elementor elementor-2645229\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-639dfd94 e-flex e-con-boxed e-con e-parent\" data-id=\"639dfd94\" 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-5a13f026 elementor-widget elementor-widget-text-editor\" data-id=\"5a13f026\" 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>Reglement\u0103rile Basel III, prioritatea zero pentru sistemul bancar<\/h3><p>Petre Bunescu, Vicepre\u0219edintele Consiliului Director al ARB, Director General Adjunct BRD &#8211;\u00a0 <em>Pia\u021ba Financiar\u0103, septembrie 2012<\/em><br \/>Av\u00e2nd ca obiectiv principal \u00eent\u0103rirea rezilien\u0163ei sectorului bancar european, cu condi\u0163ia ca b\u0103ncile s\u0103 finan\u0163eze \u00een continuare activitatea economic\u0103, Reglement\u0103rile Basel III \u2013 Noul acord privind cerin\u0163ele de capital pentru institu\u0163iile de credit CRD IV \u2013 sunt restrictive \u015fi ar putea determina sc\u0103derea interesului institu\u0163iilor de credit privind finan\u0163area IMM-urilor.<br \/>O provocare pentru sistemul bancar european \u015fi implicit pentru b\u0103ncile din Rom\u00e2nia o constituie implementarea prevederilor Noului acord privind cerin\u0163ele de capital, av\u00e2nd \u00een vedere c\u0103 termenul actual stabilit pentru intrarea \u00een vigoare este 1 ianuarie 2013, iar votul final asupra pachetului legislativ este<br \/>a\u015fteptat probabil pentru luna octombrie.<br \/>Men\u0163inerea competitivit\u0103\u0163ii sectorului bancar este esen\u0163ial\u0103. Este de importan\u0163\u0103 major\u0103 ca deciden\u0163ii de politici din Europa s\u0103 calibreze implementarea<br \/>european\u0103 a acordului Basel III pentru a men\u0163ine capacitatea de creditare a b\u0103ncilor europene. C\u00e2teva state membre, \u00eentre care \u015fi Rom\u00e2nia, au sus\u0163inut necesitatea am\u00e2n\u0103rii termenului de implementare. Pozi\u0163ia exprimat\u0103 de Federa\u0163ia Bancar\u0103 European\u0103, din care face parte \u015fi Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, vizeaz\u0103 stabilirea unei perioade rezonabile de timp \u00eentre publicarea textului final \u015fi punerea \u00een aplicare \u201e\u00een scopul de a permite b\u0103ncilor s\u0103 implementeze procedurile necesare pentru a se conforma cu noile norme\u201c.<br \/>Regulamentul de aplicare al CRD IV va fi de direct\u0103 \u015fi unic\u0103 aplicare de c\u0103tre toate b\u0103ncile din \u0163\u0103rile din UE, \u00een timp ce Directiva va fi transpus\u0103 \u00een<br \/>reglementare na\u0163ional\u0103. \u0162in\u00e2nd cont de perioada de criz\u0103 \u015fi post criz\u0103 \u015fi \u00een absen\u0163a unei evalu\u0103ri generale de impact la nivel european, comunitatea bancar\u0103<br \/>european\u0103 r\u0103m\u00e2ne preocupat\u0103 de consecin\u0163ele cre\u015fterii semnificative a costului capitalului necesar.<br \/>Basel III, ale c\u0103rui prevederi urmeaz\u0103 s\u0103 fie introduse prin pachetul legislativ CRD IV, reprezint\u0103 prioritatea zero pentru sistemul bancar, la nivelul Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor fiind \u00eenfiin\u0163at\u0103 Comisia Basel III, care se ocup\u0103 de implementarea acestui proiect, elaborarea de propuneri \u015fi solicitarea de clarific\u0103ri care, \u00een opinia comunit\u0103\u0163ii bancare, se impun.<br \/>Basel III stabile\u015fte, \u00een principal, noi cerin\u0163e de capital pentru institu\u0163iile de credit, unific\u0103 practicile europene de supraveghere \u015fi introduce managementul lichidit\u0103\u0163ii la nivel de grup. Propunerea de regulament impune b\u0103ncilor s\u0103 de\u0163in\u0103 un capital mai mare \u015fi de mai bun\u0103 calitate, pentru a putea rezista singure \u00eencazul unor viitoare \u015focuri.<br \/>Noul Acord de capital este foarte restrictiv \u00een ceea ce prive\u015fte asumarea de riscuri de c\u0103tre b\u0103nci \u015fi exist\u0103 pericolul s\u0103 scad\u0103 foarte mult apetitul b\u0103ncilor pentru creditarea IMM-urilor. 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.<br \/>La nivelul proiectului de regulament, Basel III solicit\u0103 b\u0103ncilor s\u0103 aib\u0103 un nivel minim al rezervei de capital comun de 4,5% (fa\u0163\u0103 de 2% \u00een cazul Basel II) \u015fi un nivel minim al capitalului de rangul 1 de 6% (fa\u0163\u0103 de 4% \u00een cazul Basel II) pentru activele ponderate la risc, iar rata capitalului total 8%. Basel III mai introduce \u015fi rezerve suplimentare de capital, adic\u0103 o rezerv\u0103 obligatorie de conservare a capitalului de 2,5% \u015fi o rezerv\u0103 de capital anticiclic\u0103 facultativ\u0103. Aceasta permite autorit\u0103\u0163ilor na\u0163ionale de reglementare s\u0103 solicite un capital suplimentar de 2,5% \u00een perioade de mare cre\u015ftere a creditului.<br \/>Noile cerin\u0163e de capital de reglementare \u00een condi\u0163ii de continuitate a activit\u0103\u0163ii \u2013 capital comun de rangul 1 \u015fi capital de rangul 1 \u2013 ar fi puse \u00een aplicare treptat \u00een perioada 2013-2015.<br \/>Noile ajust\u0103ri pruden\u0163iale ar fi, de asemenea, introduse treptat, \u00eentr-un ritm de 20% pe an \u00eencep\u00e2nd din 2014, pentru a atinge 100% \u00een 2018. Un impact semnificativ, nu doar din punct de vedere al efortului privind implementarea cerin\u0163elor de raportare, ci mai ales asupra modelului de business al b\u0103ncilor \u00eel au prevederile privind managementul lichidit\u0103\u0163ii.<br \/>Sunt favorizate depozitele retail, considerate a fi mai stabile, precum \u015fi resursele pe termen mediu \u015fi lung. De asemenea, un portofoliu important de active lichide este solicitat pentru a face fa\u0163\u0103 unui scenariu de criz\u0103 sever\u0103. Pentru a respecta aceste prevederi, b\u0103ncile vor fi nevoite s\u0103-\u015fi adapteze sistemele \u015fi produsele \u00een mod corespunz\u0103tor, implic\u00e2nd costuri suplimentare importante.<br \/>Concluzion\u00e2nd, Basel III reprezint\u0103 mai mult dec\u00e2t \u00eenc\u0103 un set de reglement\u0103ri, prevederile sale afect\u00e2nd \u015fi test\u00e2nd \u00een mod fundamental capacitatea de a produce profit a industriei bancare.<\/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-278c4dd elementor-widget elementor-widget-button\" data-id=\"278c4dd\" 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\/Bunescu-Bessel-III.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>Reglement\u0103rile Basel III, prioritatea zero pentru sistemul bancar<\/h3>\n<p>Petre Bunescu, Vicepre\u0219edintele Consiliului Director al ARB, Director General Adjunct BRD &#8211; <em>Pia\u021ba Financiar\u0103, septembrie 2012<\/em><\/p>","protected":false},"author":3,"featured_media":2645482,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[51,52,53,54],"class_list":["post-2645229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-petre-bunescu","tag-prioritatea-zero-pentru-sistemul-bancar","tag-reglementarile-basel-iii","tag-sistemul-bancar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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