{"id":3072826,"date":"2022-05-30T13:44:37","date_gmt":"2022-05-30T10:44:37","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3072826"},"modified":"2024-07-22T16:55:22","modified_gmt":"2024-07-22T13:55:22","slug":"smes-talk-florin-danescu-arb-bancile-au-fost-mult-mai-deschise-mediul-antreprenorial-indrazneste-mai-mult-o-amanare-generala-a-ratelor-s-ar-putea-sa-nu-fie-un-avantaj-pentru-clienti","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-florin-danescu-arb-bancile-au-fost-mult-mai-deschise-mediul-antreprenorial-indrazneste-mai-mult-o-amanare-generala-a-ratelor-s-ar-putea-sa-nu-fie-un-avantaj-pentru-clienti\/","title":{"rendered":"SMEs Talk Florin Danescu, ARB: B\u0103ncile au fost mult mai deschise, mediul antreprenorial \u00eendr\u0103zne\u0219te mai mult. O am\u00e2nare general\u0103 a ratelor s-ar putea s\u0103 nu fie un avantaj pentru clien\u021bi - only in romanian"},"content":{"rendered":"
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B\u0103ncile \u0219i companiile din Rom\u00e2nia \u0219i-au \u00eenv\u0103\u021bat lec\u021biile din prima criz\u0103 capitalist\u0103 de dup\u0103 c\u0103derea comunismului, cea din 2009-2010 \u0219i le-au aplicat \u00een perioada pandemiei, c\u00e2nd disciplina la plat\u0103 a r\u0103mas bun\u0103 \u0219i creditarea a crescut chiar mai accelerat dec\u00e2t \u00eenainte, spune Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor. Creditarea continu\u0103 s\u0103 creasc\u0103 \u0219i \u00een prezent, chiar dac\u0103 suntem \u00eentr-o criz\u0103 multipl\u0103 cu r\u0103zboi \u00eentr-o \u021bar\u0103 vecin\u0103 \u0219i infla\u021bie ridicat\u0103 la nivel global. D\u0103nescu se a\u0219teapt\u0103 ca b\u0103ncile s\u0103-\u0219i ajute clien\u021bii inclusiv prin am\u00e2n\u0103ri ale ratelor, dar sus\u021bine c\u0103 o lege \u00een acest sens ar putea duce la efecte nedorite pentru toat\u0103 lumea, inclusiv pentru clien\u021bi.<\/strong><\/p>\n

\u201dLa nivel antreprenorial am \u00eenv\u0103\u021bat ni\u0219te lec\u021bii din trecut. Perioada crizei financiare a fost o prim\u0103 \u00eencercare e economiei de pia\u021b\u0103 liber\u0103 din Rom\u00e2nia. Trebuie s\u0103 \u00een\u021belegem c\u0103 trebuie s\u0103 ne asum\u0103m riscuri mai mari, c\u0103 avem nevoie de finan\u021bare mai mult dec\u00e2t oric\u00e2nd \u00eentr-o criz\u0103, c\u0103 nevoia de finan\u021bare a companiilor este o nevoie constant\u0103, pe care nu o po\u021bi opri<\/em>\u201d, spune Florin D\u0103nescu la emisiunea Profit Live de la PROFIT NEWS TV.<\/p>\n

Creditul acordat firmelor nefinanciare a crescut \u00een aprilie 2022 fa\u021b\u0103 de februarie 2020, \u00eenainte de pandemie, cu 41,2 de miliarde de lei sau 35% pe sold, fa\u021b\u0103 de un avans de 13,6% sau 14,1 miliarde de lei \u00een precedentele 26 de luni.<\/p>\n

\u201dNu mai devreme de pandemie am constatat c\u0103 b\u0103ncile din Rom\u00e2nia au fost mult mai deschise, \u0219i-au asumat riscuri mult mai mari, \u00eentr-o perioad\u0103 plin\u0103 de incertitudini<\/em>\u201d, spune D\u0103nescu. \u201dCred c\u0103 am \u00eenv\u0103\u021bat cu to\u021bii c\u0103 economia nu poate s\u0103 stea \u0219i c\u0103 riscurile exist\u0103 mereu, uneori mai mari, alteori mai mici, \u0219i c\u0103 trebuie s\u0103 facem un management al riscurilor combinat cu un management al ac\u021biunilor. De aceea observ\u0103m ast\u0103zi c\u0103, paradoxal, \u0219i creditarea cre\u0219te, \u0219i economisirea cre\u0219te, chiar dac\u0103 suntem \u00eentr-o criz\u0103 dificil de \u00eenfruntat<\/em>\u201d.<\/p>\n

Actuala criz\u0103 este un cumul al crizei energetice, a infla\u021biei, a r\u0103zboiului din Ucraina, precum \u0219i al pandemiei care \u00eenc\u0103 nu a disp\u0103rut, arat\u0103 D\u0103nescu.<\/p>\n

Dup\u0103 pandemie b\u0103ncile nu au v\u0103zut o cre\u0219tere a ratei creditelor neperformante \u2013 mai mult, aceasta s-a redus de la circa 4% la 3,3%, inclusiv ca urmare a cre\u0219terii portofoliilor de \u00eemprumuturi f\u0103r\u0103 \u00eent\u00e2rzieri prin emiterea de credite noi. D\u0103nescu spune \u00eens\u0103 c\u0103 nu doar dinspre statistica b\u0103ncilor se vede o mai mare apeten\u021b\u0103 a firmelor pentru \u00eemprumuturi, ci \u0219i din partea cererii. \u201dMediul antreprenorial rom\u00e2nesc \u00eendr\u0103zne\u0219te mai mult \u0219i prin cerere<\/em>\u201d, spune pre\u0219edintele executiv ARB.<\/p>\n

Astfel, dac\u0103 \u00eenainte de criz\u0103 \u0219i introducerea programului IMM Invest, care a stimulat mult creditul pentru firme, la din fiecare \u0219apte cereri de credit una era aprobat\u0103, acum s-a ajuns ca din trei cereri una s\u0103 fie aprobat\u0103.<\/p>\n

\u201dAsta a ar\u0103tat un efort \u0219i din partea b\u0103ncilor de a g\u0103si un model mai pu\u021bin birocratic, prin care risc\u0103 mai mult \u0219i acord\u0103 o \u00eencredere mai ridicat\u0103 antreprenorilor rom\u00e2ni \u0219i economiei rom\u00e2ne\u0219ti, dar \u0219i din partea companiilor a fost un curaj mai mare \u0219i o \u00eencredere mai mare. Aici vorbim de factori de percep\u021bie \u0219i acesta este cel mai mare c\u00e2\u0219tig care s-a petrecut \u00een ultima perioad\u0103. E o \u00eencredere mai mare, o educa\u021bie financiar\u0103 mai mare, p\u00e2n\u0103 la urm\u0103, \u0219i am \u00een\u021beles cu to\u021bii c\u0103 nu po\u021bi doar s\u0103 c\u00e2\u0219tigi, trebuie s\u0103 mai \u0219i ri\u0219ti, uneori mai pierzi, dar actul economic asta \u00eenseamn\u0103<\/em>\u201d, spune D\u0103nescu. Intermedierea financiar\u0103 r\u0103m\u00e2ne, exprimat\u0103 ca pondere a creditului \u00een produsul intern brut, r\u0103m\u00e2ne cea mai mic\u0103 din Uniunea European\u0103 la 26%, fa\u021b\u0103 de o medie de 85%. \u201dEste un lucru fundamental, pe care trebuie s\u0103-l repet\u0103m de c\u00e2te ori este nevoie. Aici trebuie s\u0103 respingem \u0219i percep\u021bii negative construite \u00een timp la adresa industriei (bancare), dar \u0219i al antreprenorilor din mediul economic<\/em>\u201d, spune D\u0103nescu.<\/p>\n

Una dintre probleme este \u0219i num\u0103rul mic de companii relativ la dimensiunea popula\u021biei \u2013 circa 20 de firme la mia de locuitori, fa\u021b\u0103 de 50 \u00een Cehia -, dar \u0219i de modul \u00een care se raporteaz\u0103 firmele la finan\u021bare.<\/p>\n

\u00centreprinderile mici \u0219i mijlocii, reprezint\u0103 circa 70% din locurile de munc\u0103 \u0219i 60% din valoarea ad\u0103ugat\u0103 brut\u0103 \u0219i reprezint\u0103 principalul motor al economiei, explic\u0103 D\u0103nescu. Pe de alt\u0103 parte, firmele identific\u0103 accesul la finan\u021bare printre cele mai pu\u021bin presante probleme ale lor.<\/p>\n

\u201dNoi la ASE am \u00eenv\u0103\u021bat c\u0103 mijloacele circulante trebuie servite cu capital care vine din finan\u021bare \u0219i care poate multiplica rezultatul economic. C\u00e2t timp \u00ee\u021bi propui s\u0103 te descurci cu banii pe care \u00eei ai, av\u00e2nd o temere s\u0103 \u021bii banii \u00een firm\u0103 – c\u0103 am auzit acest mesaj chiar de la Asocia\u021bia Oamenilor de Afaceri din Rom\u00e2nia, pentru c\u0103 e o ne\u00eencredere puternic\u0103 \u00een volatilitatea mediului legislativ, care este o cauz\u0103 real\u0103, de luat \u00een considerare…<\/em>\u201d, spune D\u0103nescu, care adaug\u0103 c\u0103 b\u0103ncile nu-\u0219i mai propun s\u0103 arate cu degetul \u2013 \u201dARB \u00ee\u0219i propune o abordare constructiv\u0103 \u0219i solidar\u0103 cu mediul de afaceri<\/em>\u201d.<\/p>\n

Coali\u021bia de guvernare a anun\u021bat recent c\u0103 va veni cu o nou\u0103 reglementare privind am\u00e2narea ratelor la creditele bancare, a\u0219a cum s-a \u00eent\u00e2mplat \u0219i \u00een 2020, de aceast\u0103 dat\u0103 motiva\u021bia fiind cre\u0219terea costurilor popula\u021biei \u0219i firmelor.<\/p>\n

Circa 558.000 de debitori au beneficiat de am\u00e2narea ratelor pentru credite de 42,9 miliarde de lei.<\/p>\n

D\u0103nescu atrage aten\u021bia c\u0103 b\u0103ncile au venit din proprie ini\u021biativ\u0103 cu moratorii, \u00eenainte de o lege \u00een acest sens, \u0219i c\u0103 \u0219i ast\u0103zi o astfel de opera\u021biune este disponibil\u0103 pentru clien\u021bi.<\/p>\n

\u201dPrincipala grij\u0103 pe care o au \u0219i deciden\u021bii \u0219i b\u0103ncile este c\u0103 dob\u00e2nda cre\u0219te \u0219i \u00een viitor aceast\u0103 am\u00e2nare de rate s-ar putea s\u0103 fie mai costisitoare<\/em>\u201d, spune D\u0103nescu.<\/p>\n

Dob\u00e2nzile sunt a\u0219teptate s\u0103 creasc\u0103 \u00een continuare, pe deoparte pentru c\u0103 infla\u021bia cre\u0219te \u0219i rata cheie a BNR este \u00eenc\u0103 cea mai mic\u0103 din regiune, pe de alt\u0103 parte pentru c\u0103 rate precum indicatorul de referin\u021b\u0103 pentru creditele acordate consumatorilor sunt \u00een urm\u0103 ca efect al modului de calcul \u0219i aplicare.<\/p>\n

Unii clien\u021bi ar putea beneficia de o suspendarea a ratelor, cum sunt afacerile care caut\u0103 o perioad\u0103 de conservare \u0219i au probleme de cash flow, \u00een timp ce pentru alte firme, mai ales cele care ar putea beneficia de o dezvoltare prin contractarea de noi \u00eemprumuturi, am\u00e2nare ratelor curente mai mult ar \u00eencurca.<\/p>\n

\u201dPrincipala grij\u0103 a tuturor e cum s\u0103 fie l\u00e2ng\u0103 clien\u021bii b\u0103ncilor f\u0103r\u0103 a aduce un m\u0103r otr\u0103vit sau o capcan\u0103, de aceea credem c\u0103 tratamentul individual este cel mai potrivit, dat fiind c\u0103 am \u0219i dovedit \u00een trecut c\u0103 b\u0103ncile sunt \u0219i deschise acestui tratament al am\u00e2n\u0103rii ratelor. Poate c\u0103 \u00een trecut nu am fi avut acest curaj, dar dup\u0103 pandemie lucrul acesta a fost transparent pentru to\u021bi \u0219i am ar\u0103tat c\u0103 \u00eencrederea exist\u0103<\/em>\u201d, spune D\u0103nescu.<\/p>\n

Dac\u0103 \u00een 2020 decizia la nivel european a fost ca b\u0103ncile s\u0103 nu fac\u0103 provizioane ridicate pentru moratorii \u2013 de\u0219i profiturile trebuiau re\u021binute ca eventual\u0103 resurs\u0103 pentru cre\u0219terea capitalurilor \u2013 \u00een prezent, av\u00e2nd \u00een vedere c\u0103 doar Rom\u00e2nia propune am\u00e2narea ratelor, o decizie european\u0103 privind provizioanele nu se \u00eentrevede. Pentru b\u0103ncile din Rom\u00e2nia un num\u0103r mare de debitori cu am\u00e2n\u0103ri ar \u00eensemna provizioane ridicate \u0219i sc\u0103derea profitabilit\u0103\u021bii.<\/p>\n

\u201d\u00centrebarea se pune nu dac\u0103 vom face am\u00e2n\u0103ri de rate, pentru c\u0103 vom face, \u00een opinia mea. \u00centrebarea e dac\u0103 o faci printr-o regul\u0103 sau prin abordare individual\u0103. O abordare individual\u0103 \u00eenseamn\u0103 s\u0103 g\u0103se\u0219ti resursa la momentul potrivit pentru fiecare, o abordare prin regul\u0103 \u00eenseamn\u0103 alocarea unor resurse, poate prea mari, \u00eentr-un moment nepotrivit, mult mai multor interlocutori, pentru c\u0103 exist\u0103 aceast\u0103 percep\u021bie de a beneficia de un avantaj, care pe urm\u0103 s\u0103 nu cumva s\u0103 afli c\u0103 nu e un avantaj – dob\u00e2nzile cresc, suma de plat\u0103 cre\u0219te \u0219i atunci c\u0103 b\u0103ncile urm\u0103resc s\u0103 nu fie iar privite cu ne\u00eencredere pentru c\u0103 nu au explicat lucrul acesta<\/em>\u201d, explic\u0103 D\u0103nescu.<\/p>\n

Pe de alt\u0103 parte, concluzioneaz\u0103 pre\u0219edinte executiv ARB, b\u0103ncile vor trebui s\u0103 fie preg\u0103tite s\u0103 activeze indiferent de ce decizie va lua statul \u00een cele din urm\u0103.<\/p>\n

Sursa: https:\/\/www.profit.ro\/profit-live\/video-profit-live-florin-danescu-arb-bancile-au-fost-mult-mai-deschise-mediul-antreprenorial-indrazneste-mai-mult-o-amanare-generala-a-ratelor-s-ar-putea-sa-nu-fie-un-avantaj-pentru-clienti-20724254<\/a><\/p>\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Florin D\u0103nescu, Pre\u0219edinte Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 30 mai 2022<\/p>","protected":false},"author":5,"featured_media":3423480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3072826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Florin Danescu, ARB: B\u0103ncile au fost mult mai deschise, mediul antreprenorial \u00eendr\u0103zne\u0219te mai mult. O am\u00e2nare general\u0103 a ratelor s-ar putea s\u0103 nu fie un avantaj pentru clien\u021bi - 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\/smes-talk-florin-danescu-arb-bancile-au-fost-mult-mai-deschise-mediul-antreprenorial-indrazneste-mai-mult-o-amanare-generala-a-ratelor-s-ar-putea-sa-nu-fie-un-avantaj-pentru-clienti\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Talk Florin Danescu, ARB: B\u0103ncile au fost mult mai deschise, mediul antreprenorial \u00eendr\u0103zne\u0219te mai mult. 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