{"id":2813,"date":"2013-09-20T12:41:35","date_gmt":"2013-09-20T09:41:35","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2813"},"modified":"2025-10-08T15:29:26","modified_gmt":"2025-10-08T12:29:26","slug":"insolventa","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/insolventa\/","title":{"rendered":"Insolventa"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Nivelul \ufb01scalit\u0103\u0163ii, concuren\u0163a \u015fi lipsa cererii sunt principalele di\ufb01cult\u0103\u0163i identi\ufb01cate de companiile din Rom\u00e2nia \u00een desf\u0103\u015furarea activit\u0103\u0163ii, \u00een timp ce accesul la \ufb01nan\u0163are nu reprezint\u0103 o provocare de o importan\u0163\u0103 ridicat\u0103 pentru companii. Aproximativ 73% dintre cererile companiilor care au solicitat credite de la institu\u0163iile de credit s-au \ufb01nalizat cu succes pentru \ufb01rme. Tabloul general trebuie completat cu un element \u00eengrijor\u0103tor: dac\u0103 \u00een urm\u0103 cu patru ani o companie din 30 era \u00een insolven\u0163\u0103, \u00een prezent una din 7 \ufb01rme este \u00een insolven\u0163\u0103.<\/p>

Sondajul privind accesul la \ufb01nan\u0163are al companiilor ne\ufb01nanciare din Rom\u00e2nia \u015fi capacitatea acestora de a face fa\u0163\u0103 unor condi\u0163ii \ufb01nanciare nefavorabile, realizat de Banca Na\u0163ional\u0103 a Rom\u00e2niei pe baza chestionarelor transmise la 10.000 de \ufb01rme, relev\u0103 c\u0103 3 din 4 companii au accesat cu succes \ufb01nan\u0163are bancar\u0103 \u00een perioada octombrie 2013 – martie 2014, dar \u015fi c\u0103 \ufb01rmele declar\u0103 c\u0103 nu au o capacitate mul\u0163umitoare de a face fa\u0163\u0103 unor evolu\u0163ii \ufb01nanciare nefavorabile privind cursul de schimb sau rata dob\u00e2nzii. Creditele acordate IMM-urilor se ridicau la 84,5 miliarde lei la \ufb01nele anului 2013, ceea ce reprezint\u0103 76% din totalul creditelor acordate companiilor. Ponderea \ufb01nan\u0163\u0103rilor acordate IMM se situeaz\u0103 la aproximativ 40% din totalul creditului neguvernamental \u00een timp ce num\u0103rul IMM cu credite era de 77.500 \u00een august 2013.<\/p>

Obstacolele invocate de companii \u00een accesarea de credite sunt: nivelul prea ridicat al dob\u00e2nzilor \u015fi comisioanelor, cerin\u0163ele privind valoarea sau tipul garan\u0163iei, clauzele contractuale \u015fi birocra\u0163ia. Analiza costului riscului ar trebui completat\u0103 cu statistica privind neperforman\u0163a pe segmentul companiilor, \u00een condi\u0163iile \u00een care o treime din banii acorda\u0163i IMM \u00een creditare este neperformant\u0103. Rata de neperforman\u0163\u0103 aferent\u0103 creditelor acordate IMM-urilor era de 29,82% (august 2013) pentru creditele garantate cu ipoteci, \u00een timp ce la corpora\u0163ii rata de neperforman\u0163\u0103 pentru \u00eemprumuturile cu acela\u015fi tip de garan\u0163ii era de 9,62%.<\/p>

Disciplina la plat\u0103 \u00een economie r\u0103m\u00e2ne o problem\u0103 av\u00e2nd un impact ridicat asupra capacit\u0103\u0163ii de onorare a serviciului datoriei de c\u0103tre companiile cu credite.<\/p>

Pruden\u0163a manifestat\u0103 de b\u0103nci \u00een creditarea persoanelor juridice este determinat\u0103 de disciplina lax\u0103 de plat\u0103 a datoriilor \u015fi recurgerea abuziv\u0103 a companiilor la procedura de insolven\u0163\u0103, precum \u015fi de constr\u00e2ngerile de \ufb01nan\u0163are mai pronun\u0163ate \u00een cazul IMM.<\/p>

Totalul sumelor datorate de debitorii a\ufb02a\u0163i \u00een insolven\u0163\u0103, faliment \u015fi reorganizare se cifreaz\u0103 la 17 miliarde lei potrivit datelor \u00eenscrise \u00een raport\u0103rile \u201ecredite acordate \u015fi angajamente asumate de institu\u0163iile de credit\u201d ale Centralei Riscului de Credit din luna mai 2014. Datele se refer\u0103 la expunerea fa\u0163\u0103 de un singur debitor, expunere egal\u0103 sau mai mare de 20.000 lei, \u015fi reprezint\u0103 89,6% din valoarea creditelor acordate \u015fi a angajamentelor asumate de c\u0103tre sistemul bancar, potrivit BNR. Sumele datorate de debitorii a\ufb02a\u0163i \u00een insolven\u0163\u0103 au mai sc\u0103zut \u00eens\u0103 din p\u0103cate diferen\u0163a se duce la sumele datorate de debitorii a\ufb02a\u0163i \u00een faliment.<\/p>

Restan\u0163ele \u00eenregistrate de debitorii a\ufb02a\u0163i \u00een insolven\u0163\u0103, faliment \u015fi reorganizare se ridic\u0103 la aproximativ 15 miliarde lei.<\/p>

O statistic\u0103 aferent\u0103 lunii august 2013 ar\u0103ta c\u0103 86% dintre companiile intrate \u00een insolven\u0163\u0103 au ajuns \u00een faliment, \u00een stadiul de reorganizare \ufb01ind doar 1,2%.<\/p>

Necesarul sporit de provizioane afecteaz\u0103 pro\ufb01tabilitatea \u015fi creditarea. Legea privind procedurile de prevenire a insolven\u0163ei \u015fi de insolven\u0163\u0103 a fost publicat\u0103 \u00een Monitorul O\ufb01cial dup\u0103 mai mult de doi ani de dezbateri. Pe parcursul dezbaterilor care au avut loc pe proiectul Codului Insolven\u0163ei, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor a efectuat propuneri care urm\u0103resc \u00een principal \u00eent\u0103rirea disciplinei \ufb01nanciare, cre\u015fterea ratei de recuperare a crean\u0163elor a\ufb02ate \u00een insolven\u0163\u0103 \u015fi o mai mare predictibilitate a mediului de business. Aplicarea legii r\u0103m\u00e2ne o problem\u0103. Presiunile exercitate \u00een procesele de insolven\u0163\u0103 sunt ample \u015fi ac\u0163ioneaz\u0103 prin larghe\u0163ea deciziilor, inclusiv juridice, \u015fi excesele insolven\u0163ilor, lichidatorilor sau al\u0163i ter\u0163i implica\u0163i. ARB continu\u0103 demersurile pentru \u00een\ufb01in\u0163area unei baze de date pe insolven\u0163\u0103 cu administratorii\/ac\u0163ionarii care ac\u0163ioneaz\u0103 cu rea credin\u0163\u0103. Prea multe \ufb01rme intrate \u00een insolven\u0163\u0103 au l\u0103sat pasivele pe seama creditorilor \u015fi au mutat activele pe \ufb01rme noi, \u015fi aici au de pierdut statul, partenerii de afaceri ai companiilor a\ufb02ate \u00een insolven\u0163\u0103 \u015fi b\u0103ncile. Inclusiv cei care nu au credite au de pierdut pentru c\u0103 dac\u0103 vor s\u0103 acceseze unul vor pl\u0103ti mai mult la dob\u00e2nzi pentru c\u0103 se asimileaz\u0103 un cost al riscului mai ridicat pe baza experien\u0163ei fenomenului insolven\u0163ei.<\/p>

Acesta este impactul la nivelul economiei Rom\u00e2niei cu un PIB de 140 miliarde de euro: 25 miliarde de euro sunt blocate \u00een labirintul insolven\u0163ei. Cauza nu a fost \u015fi nu este tratat\u0103 pentru niciunul dintre cei trei mari creditori: statul, partenerii comerciali ai insolven\u0163ilor \u015fi institu\u0163iile de credit. Tratarea cauzei, a\u015fa cum solicit\u0103 b\u0103ncile, ar \u00eensemna cre\u015fterea disciplinei \ufb01nanciare.<\/p>

Pe termen scurt, se va observa o contrac\u0163ie mai ampl\u0103 a soldului creditului neguvernamental. \u00cen fond soldul creditului neguvernamental \u00eenregistreaz\u0103 lun\u0103 de lun\u0103 cu plus creditele noi acordate de institu\u0163iile de credit \u015fi cu minus ramburs\u0103rile de principal efectuate de cei aproape 80% dintre debitorii care \u00ee\u015fi pl\u0103tesc ratele precum \u015fi v\u00e2nz\u0103rile de portofolii de credite la care apeleaz\u0103 b\u0103ncile \u00een ultima perioad\u0103. Este de a\u015fteptat ca ritmul v\u00e2nz\u0103rilor portofoliilor de credite \u015fi scoaterile \u00een afara bilan\u0163urilor s\u0103 conduc\u0103 la o sc\u0103dere mai accentuat\u0103, ca p\u00e2n\u0103 acum, a portofoliului general de credite. Scoaterea din bilan\u0163 a creditelor neperformante integral provizionate, cu posibilitatea de urm\u0103rire \u00een continuare a crean\u0163ei, se va re\ufb02ecta \u00een bilan\u0163ul b\u0103ncilor mai puternic o dat\u0103 cu datele statistice la 30 iunie 2014.<\/p>

Este imperios necesar\u0103 cre\u015fterea disciplinei comercial\ufb01nanciare \u00een economie, iar aici trebuie urm\u0103rite at\u00e2t \u00eembun\u0103t\u0103\u0163irea cadrului legislativ \u015fi \ufb01scal c\u00e2t \u015fi aplicarea legilor.<\/p>

De asemenea, comunitatea bancar\u0103 din Rom\u00e2nia solicit\u0103 ca directivele europene s\u0103 \ufb01e transpuse \u00een legisla\u0163ia na\u0163ional\u0103 conform prevederilor aprobate de reglementatorii europeni. Extinderea cu mult a sferei de aplicare a legisla\u0163iei europene induce un decalaj amplu \u00een ceea ce prive\u015fte practicile bancare fa\u0163\u0103 de celelalte state europene unde autorit\u0103\u0163ile s-au limitat strict la prevederile directivelor \u015fi regulamentelor aprobate de legislativul european, inclusiv la nivel de costuri suportate de sistemul bancar. Costurile nu sunt numai de ordin material ci afecteaz\u0103 \u015fi imaginea sistemului bancar \u015fi inten\u0163iile investitorilor. Transparen\u0163a \u015fi predictibilitatea sunt atribute necesare \u00een desf\u0103\u015furarea activit\u0103\u0163ii economice.<\/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":"

Nivelul \ufb01scalit\u0103\u0163ii, concuren\u0163a \u015fi lipsa cererii sunt principalele di\ufb01cult\u0103\u0163i identi\ufb01cate de companiile din Rom\u00e2nia \u00een desf\u0103\u015furarea activit\u0103\u0163ii, \u00een timp ce accesul la \ufb01nan\u0163are nu reprezint\u0103 o provocare de o importan\u0163\u0103 ridicat\u0103 pentru companii. Aproximativ 73% dintre cererile companiilor care au solicitat credite de la institu\u0163iile de credit s-au \ufb01nalizat cu succes pentru \ufb01rme. Tabloul general […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[73],"tags":[229,411],"class_list":["post-2813","post","type-post","status-publish","format-standard","hentry","category-proiecte","tag-codul-insolventei","tag-solutii-de-restructurare-a-creditelor-en"],"acf":[],"yoast_head":"\nInsolventa - 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\/insolventa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insolventa - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Nivelul \ufb01scalit\u0103\u0163ii, concuren\u0163a \u015fi lipsa cererii sunt principalele di\ufb01cult\u0103\u0163i identi\ufb01cate de companiile din Rom\u00e2nia \u00een desf\u0103\u015furarea activit\u0103\u0163ii, \u00een timp ce accesul la \ufb01nan\u0163are nu reprezint\u0103 o provocare de o importan\u0163\u0103 ridicat\u0103 pentru companii. Aproximativ 73% dintre cererile companiilor care au solicitat credite de la institu\u0163iile de credit s-au \ufb01nalizat cu succes pentru \ufb01rme. Tabloul general […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/insolventa\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2013-09-20T09:41:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T12:29:26+00:00\" \/>\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\\\/insolventa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"Insolventa\",\"datePublished\":\"2013-09-20T09:41:35+00:00\",\"dateModified\":\"2025-10-08T12:29:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/\"},\"wordCount\":1100,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"keywords\":[\"Codul Insolventei\",\"Solutii de restructurare a creditelor\"],\"articleSection\":[\"Proiecte\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/\",\"name\":\"Insolventa - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"datePublished\":\"2013-09-20T09:41:35+00:00\",\"dateModified\":\"2025-10-08T12:29:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/insolventa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insolventa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\",\"name\":\"Julius\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/author\\\/iulianr\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insolventa - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/insolventa\/","og_locale":"en_US","og_type":"article","og_title":"Insolventa - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Nivelul \ufb01scalit\u0103\u0163ii, concuren\u0163a \u015fi lipsa cererii sunt principalele di\ufb01cult\u0103\u0163i identi\ufb01cate de companiile din Rom\u00e2nia \u00een desf\u0103\u015furarea activit\u0103\u0163ii, \u00een timp ce accesul la \ufb01nan\u0163are nu reprezint\u0103 o provocare de o importan\u0163\u0103 ridicat\u0103 pentru companii. Aproximativ 73% dintre cererile companiilor care au solicitat credite de la institu\u0163iile de credit s-au \ufb01nalizat cu succes pentru \ufb01rme. Tabloul general […]","og_url":"https:\/\/www.arb.ro\/en\/insolventa\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2013-09-20T09:41:35+00:00","article_modified_time":"2025-10-08T12:29:26+00:00","author":"Julius","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Julius","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/insolventa\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/insolventa\/"},"author":{"name":"Julius","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/dee91fbc10f29d0338e589f6bc22010f"},"headline":"Insolventa","datePublished":"2013-09-20T09:41:35+00:00","dateModified":"2025-10-08T12:29:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/insolventa\/"},"wordCount":1100,"commentCount":0,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"keywords":["Codul Insolventei","Solutii de restructurare a creditelor"],"articleSection":["Proiecte"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.arb.ro\/insolventa\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/insolventa\/","url":"https:\/\/www.arb.ro\/insolventa\/","name":"Insolventa - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"datePublished":"2013-09-20T09:41:35+00:00","dateModified":"2025-10-08T12:29:26+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/insolventa\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/insolventa\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/insolventa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Insolventa"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/dee91fbc10f29d0338e589f6bc22010f","name":"Julius","url":"https:\/\/www.arb.ro\/en\/author\/iulianr\/"}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/2813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=2813"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/2813\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=2813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=2813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=2813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}