{"id":3135,"date":"2013-07-18T16:30:57","date_gmt":"2013-07-18T13:30:57","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3135"},"modified":"2024-01-20T14:12:52","modified_gmt":"2024-01-20T12:12:52","slug":"prioritar-pentru-banci","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/prioritar-pentru-banci\/","title":{"rendered":"Prioritar pentru b\u0103nci - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3135\" class=\"elementor elementor-3135\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-533a66ea e-flex e-con-boxed e-con e-parent\" data-id=\"533a66ea\" 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-7652526a elementor-widget elementor-widget-text-editor\" data-id=\"7652526a\" 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>Basel III a intrat \u00een linie dreapt\u0103<\/h3><p style=\"text-align: justify;\">Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, &#8211; <em>Pia\u021ba Financiar\u0103, iulie 2013 <\/em><\/p><p style=\"text-align: justify;\">Cadrul juridic aferent pachetului Basel III care reglementeaz\u0103 accesul la activitate, supravegherea \u0219i regulile pruden\u021biale aplicabile institu\u021biilor de credit \u0219i firmelor de investi\u021bii a fost finalizat. \u00cen Jurnalul Oficial al Uniunii Europene au fost publicate, la finele lunii iunie, <strong>Regulamentul nr. 575\/2013 privind cerin<\/strong><strong>\u021b<\/strong><strong>ele pruden<\/strong><strong>\u021b<\/strong><strong>iale pentru institu<\/strong><strong>\u021b<\/strong><strong>iile de credit <\/strong><strong>\u0219<\/strong><strong>i societ\u0103<\/strong><strong>\u021b<\/strong><strong>ile de investi<\/strong><strong>\u021b<\/strong><strong>ii <\/strong>\u0219i Directiva 2013\/36\/UE\u00a0 cu privire la accesul la activitatea institu\u021biilor de credit \u0219i supravegherea pruden\u021bial\u0103 a institu\u021biilor de credit \u0219i a firmelor de investi\u021bii.<\/p><p style=\"text-align: justify;\">Necesitatea de a se ac\u021biona consecvent la nivel interna\u021bional, men\u021bionat\u0103 \u00een Declara\u021bia G20 din 2009, \u00een vederea consolid\u0103rii responsabilit\u0103\u021bii \u0219i reglement\u0103rii prin \u00eembun\u0103t\u0103\u021birea cantit\u0103\u021bii \u0219i a calit\u0103\u021bii capitalului \u00een sistemul bancar a fost normat\u0103. Regulamentul privind cerin\u0163ele de capital (CRR) se aplic\u0103 de la 1 ianuarie 2014 direct \u00een toate statele membre. Obiectivele generale, declarate de reglementatori, ale prezentului regulament sunt \u00eencurajarea activit\u0103\u021bilor bancare utile din punct de vedere economic \u0219i descurajarea specula\u021biilor financiare nesustenabile. Activitatea grupurilor bancare este privit\u0103 consolidat. Cerin\u021bele de fonduri proprii se aplic\u0103 pe baz\u0103 individual\u0103 \u0219i consolidat\u0103, cu excep\u021bia cazului \u00een care autorit\u0103\u021bile competente nu aplic\u0103 supravegherea pe baz\u0103 individual\u0103 acolo unde consider\u0103 c\u0103 acest lucru este necesar. \u00cen ceea ce prive\u0219te supravegherea lichidit\u0103\u021bilor, responsabilitatea ar trebui s\u0103 le revin\u0103 statelor membre de origine. Directiva va fi transpus\u0103 \u00een reglementare na\u0163ional\u0103.<\/p><p style=\"text-align: justify;\">Reglement\u0103rile Basel III &#8211; Noul acord privind cerin\u0163ele de capital pentru institu\u0163iile de credit introduc cerin\u021be de capital cantitative \u0219i calitative extinse, noi cerin\u021be de lichiditate \u015fi o revizuire a riscului de credit. Noile reglement\u0103ri ar putea determina sc\u0103derea interesului institu\u0163iilor de credit privind finan\u0163area, reprezent\u00e2nd o provocare inclusiv \u00een ceea ce prive\u015fte capacitatea industriei bancare de a realiza profit.<\/p><p style=\"text-align: justify;\">O provocare o reprezint\u0103 adaptarea grupurilor financiar bancare la cerin\u0163ele de solvabilitate \u015fi lichiditate impuse de prevederile Basel III, care ar putea conduce la restr\u00e2ngerea expunerilor \u015fi schimbarea modelului de business. Adaptarea gradual\u0103 la cerin\u0163ele de capital nu eviden\u0163iaz\u0103, \u00eentr-o prim\u0103 etap\u0103, probleme \u00een materie de necesar de capitalizare la nivelul sistemului bancar rom\u00e2nesc.<\/p><p style=\"text-align: justify;\">Potrivit estim\u0103rilor B\u0103ncii Na\u021bionale a Rom\u00e2niei, nivelul actual de capitalizare permite implementarea noilor cerin\u0163e de capital conform Basel III, \u00een condi\u0163iile \u00een care, cu o pondere de 92% la 31 decembrie 2012, fondurile proprii de nivel 1 de\u0163in pozi\u0163ia dominant\u0103 \u00een totalul fondurilor proprii aferente b\u0103ncilor persoane juridice rom\u00e2ne.<\/p><p style=\"text-align: justify;\">Sistemul bancar rom\u00e2nesc dispune \u00een continuare de rezerve consistente de capital, indicatorul de solvabilitate plas\u00e2ndu-se la 15% la nivelul lunii martie 2013. Acest calcul include efectele filtrelor pruden\u021biale.<\/p><p style=\"text-align: justify;\">Raportul de solvabilitate este superior pragului pruden\u0163ial de 10% recomandat de Banca Na\u021bional\u0103 Rom\u00e2niei (BNR) la \u00eenceputul perioadei \u00een care s-au propagat efectele crizei mondiale.<\/p><p style=\"text-align: justify;\">Este foarte important s\u0103 nu se ajung\u0103 la o suprareglementare care s\u0103 limiteze b\u0103ncile \u00een activitatea lor de creditare a economiilor na\u0163ionale. Probabil c\u0103, \u00een unele cazuri, am putea asista la inversarea procesului de globalizare, cu revenirea capitalului c\u0103tre \u0163\u0103rile de origine. Grupurile financiare interna\u0163ionale \u015fi-ar putea restr\u00e2nge opera\u0163iunile pe anumite pie\u0163e pentru a se adapta noilor cerin\u0163e.<\/p><p style=\"text-align: justify;\">Sectorul bancar din Rom\u00e2nia, din care fac parte 41 de b\u0103nci, finan\u0163eaz\u0103 preponderent economia rom\u00e2neasc\u0103, asigur\u00e2nd aproximativ 92% din totalul finan\u0163\u0103rilor acordate de sistemul financiar rom\u00e2nesc. Sistemul bancar s-a dovedit a fi rezilient pe perioada crizei, continu\u00e2nd s\u0103 acorde finan\u021bare economiei Rom\u00e2niei. \u00cen perioada de criz\u0103, sectorul bancar rom\u00e2nesc nu a avut nevoie de sprijin din fonduri publice. Cu c\u00e2t reglement\u0103rile europene \u00een materie de creditare sau de consolidare a bazelor de capital sunt mai restrictive, impactul asupra revirimentului economiilor na\u0163ionale este mai vizibil, cele mai afectate fiind statele \u00een care sistemul bancar finan\u0163eaz\u0103 preponderent economia, cum este de altfel situa\u0163ia Rom\u00e2niei. Comunitatea bancar\u0103 r\u0103m\u00e2ne preocupat\u0103 de consecin\u0163ele neinten\u0163ionate ale cresterii semnificative a costului capitalului necesar.<\/p><p style=\"text-align: justify;\">Aplicarea m\u0103surilor \u00een materie de adecvare a capitalului se poate face fie prin atragerea de capital de la banca mam\u0103 sau de la investitori noi fie prin diminuarea activelor ponderate la risc, ceea ce va putea duce \u00een timp la reducerea activelor.<\/p><p style=\"text-align: justify;\">\u015ei cerin\u0163ele \u00een materie de lichiditate ar putea conduce b\u0103ncile spre ad\u0103ugarea \u00een portofoliu de active u\u015for de transformat \u00een lichidit\u0103\u0163i, cum ar fi titlurile de stat sau obliga\u0163iunile, pentru a se asigura c\u0103 ar putea face fa\u0163\u0103 unui scenariu de criza sever\u0103. Acest lucru va impune adaptarea sistemelor informatice \u015fi produselor bancare, ceea ce \u00eenseamn\u0103 costuri suplimentare. \u00a0Se va exercita presiune pe acordarea de credite pe termen lung, \u00een sensul diminu\u0103rii perioadei de acordare. Ar putea avea de suferit companiile care au nevoie de finan\u0163are.<\/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":"<h3>Basel III a intrat \u00een linie dreapt\u0103<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, iulie 2013 <\/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":[],"class_list":["post-3135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prioritar pentru b\u0103nci - 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\/prioritar-pentru-banci\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prioritar pentru b\u0103nci - 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