{"id":3140,"date":"2013-11-18T16:42:59","date_gmt":"2013-11-18T14:42:59","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3140"},"modified":"2024-01-20T14:12:10","modified_gmt":"2024-01-20T12:12:10","slug":"e-nevoie-de-disciplina-financiara","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/e-nevoie-de-disciplina-financiara\/","title":{"rendered":"E nevoie de disciplin\u0103 financiar\u0103 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3140\" class=\"elementor elementor-3140\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb0e2f e-flex e-con-boxed e-con e-parent\" data-id=\"7cb0e2f\" 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-275cdb73 elementor-widget elementor-widget-text-editor\" data-id=\"275cdb73\" 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>De ce se tem b\u0103ncile de insolven\u0163\u0103<\/h3><p style=\"text-align: justify;\">Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, &#8211; <em>Pia\u021ba Financiar\u0103, noiembrie 2013 <\/em><\/p><p style=\"text-align: justify;\" align=\"center\">Reticen\u0163a b\u0103ncilor este de \u00een\u0163eles. Aproximativ 10% din creditul neguvernamental\u00a0 reprezint\u0103 creditele acordate companiilor care ast\u0103zi au ajuns s\u0103 fie \u00een insolven\u0163\u0103. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor consider\u0103 necesar\u0103 men\u021binerea disciplinei financiare prin promovarea unor ini\u021biative care s\u0103 nu exercite presiune suplimentar\u0103 pe indicatorii de neperforman\u021b\u0103 \u0219i \u00een final pe stabilitatea sistemului bancar.<b><br \/><\/b><\/p><p style=\"text-align: justify;\">Amendarea corespunz\u0103toare a legisla\u0163iei insolven\u0163ei ar elimina practicile prin care unele firme intrate \u00een insolven\u021b\u0103 au l\u0103sat pasivele pe seama creditorilor \u0219i au mutat activele pe firme noi. Pentru revirimentul economiei este nevoie at\u00e2t de cre\u015fterea \u00eencrederii mediului de business \u00een mersul economiei c\u00e2t \u015fi de rec\u00e2\u015ftigarea \u00eencrederii sistemului bancar \u00een practicile care exercit\u0103 sau nu presiune pe bilan\u0163urile bancare dar \u015fi ale companiilor. Aplicarea corect\u0103 a legisla\u0163iei privind insolven\u0163a ar contribui la restabilirea \u00eencrederii b\u0103ncilor \u015fi companiilor \u00een mediul de business.<\/p><p style=\"text-align: justify;\">Datele oficiale la luna august 2013 arat\u0103 c\u0103 volumul creditelor acordate de b\u0103nci \u015fi IFN companiilor aflate ast\u0103zi \u00een insolven\u0163\u0103 sau \u00een faliment este de 24,2 miliarde lei (5,4 miliarde euro), reprezent\u00e2nd 19% din totalul creditelor acordate companiilor nefinanciare de c\u0103tre b\u0103nci \u015fi IFN. Temerea b\u0103ncilor este cu at\u00e2t mai mare cu c\u00e2t dintre companiile intrate \u00een insolven\u0163\u0103, \u00een perioada ianuarie 2009 \u2013 august 2013, 86% au ajuns \u00een faliment, \u00een stadiul de reorganizare ajung\u00e2nd doar 1,2 %. Sumele recuperate \u00een urma procedurilor sunt infime, de ordinul a 2%.<\/p><p style=\"text-align: justify;\">Ce \u00eenseamn\u0103 acest lucru pentru b\u0103nci? \u00cen primul r\u00e2nd provizioane. Costurile generate de provizioanele pentru \u00eemprumuturile nerambursate sunt mai mult dec\u00e2t relevante. Provizioanele constituite de b\u0103nci totalizau 10 miliarde de euro \u00een luna septembrie 2013. De remarcat este c\u0103, potrivit datelor B\u0103ncii Na\u0163ionale a Rom\u00e2niei, 85,8% din volumul total al creditelor cu restan\u0163e de peste 90 de zile acordate companiilor este de\u0163inut de firmele aflate \u00een insolven\u0163\u0103 sau \u00een faliment. Ceea ce \u00eenseamn\u0103 c\u0103 mai mult de jum\u0103tate din provizioanele constituite de sistemul bancar rom\u00e2nesc reprezint\u0103 banii pu\u015fi deoparte pentru a acoperi insolven\u0163ele mediului de afaceri. Dup\u0103 90 de zile de \u00eent\u00e2rziere un credit se provizioneaz\u0103 integral.<\/p><p style=\"text-align: justify;\">\u00cen al doilea r\u00e2nd, fenomenul insolven\u0163ei \u00a0&#8211; urmat de alocarea de resurse importante cu titlu de provizioane &#8211; reduce din capacitatea de creditare a b\u0103ncilor adresat\u0103 firmelor s\u0103n\u0103toase din economie. Ac\u0163ionarii sunt nevoi\u0163i s\u0103 aduc\u0103 capital suplimentar. Acest lucru nu se datoreaz\u0103 unei cre\u015fteri accelerate a credit\u0103rii ci este cauzat de deteriorarea portofoliului actual, inclusiv pe fondul procedurilor de insolven\u0163\u0103. Sistemul bancar s-a dovedit a fi rezilient pe perioada crizei fiind bine capitalizat, dar principalele provoc\u0103ri la adresa stabilit\u0103\u0163ii financiare r\u0103m\u00e2n riscul de credit si riscul unei evolu\u0163ii dezordonate a finan\u0163\u0103rii externe.<\/p><p style=\"text-align: justify;\">Gradul de acoperire a creditelor neperformante cu provizioane IFRS \u015fi filtre pruden\u0163iale se men\u021bine confortabil, de 89,5%, \u00a0fiind printre cele mai ridicate niveluri comparativ cu \u0163\u0103rile din regiune. Rata de solvabilitate a sistemului bancar s-a men\u0163inut la un nivel adecvat, de 13,92% \u00een septembrie 2013. Dac\u0103 lu\u0103m \u00een calcul p\u0103strarea filtrelor pruden\u0163iale pentru calculul fondurilor proprii \u015fi al indicatorilor de pruden\u0163\u0103 bancar\u0103 pe parcursul anului 2013, de facto, indicatorii de solvabilitate continu\u0103 s\u0103 fie cu aproximativ 4 puncte procentuale mai mari comparativ cu nivelurile raportate.<\/p><p style=\"text-align: justify;\">Urmeaz\u0103 a se renun\u021ba gradual la aceste filtre \u00een perioada implement\u0103rii cerin\u0163elor suplimentare de capital aferente Basel III (intervalul 2014-2017) cu 20% anual.<\/p><p style=\"text-align: justify;\">Ac\u0163ionarii b\u0103ncilor sunt \u00een fa\u0163a unei decizii de business: s\u0103 aloce bani pentru creditare \u00een statele unde recuperarea este la nivel \u00eenalt sau \u00eentr-o economie unde statistica arat\u0103 c\u0103 p\u00e2n\u0103 acum din insolven\u0163\u0103 se mai \u00eentoarce 2%?<\/p><p style=\"text-align: justify;\">\u00cen al treilea r\u00e2nd, \u00eencas\u0103rile la bugetul statului din impozitele pe profitul b\u0103ncilor nu se ridic\u0103 la nivelul a\u015fteptat. Sistemul bancar a marcat trei ani consecutivi de pierderi \u015fi nici \u00een acest an nu exist\u0103 premise favorabile pentru \u00eenregistrarea unui rezultat pozitiv la nivel de sistem. Bugetul statului \u00eencaseaz\u0103 tot mai pu\u0163in din impozitul pe profitul b\u0103ncilor, iar ac\u0163ionarii se uit\u0103 mai ales la indicatorii de rentabilitate \u00een decizia de a aloca capital nou sau de men\u0163inere a expunerii.<\/p><p style=\"text-align: justify;\">Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor \u00ee\u015fi sus\u0163ine amendamentele la noua form\u0103 a legii insolven\u0163ei, astfel \u00eenc\u00e2t presiunile exercitate pe sistemul bancar de fenomenul insolven\u0163ei s\u0103 nu reduc\u0103 \u00een continuare din capacitatea b\u0103ncilor de sus\u0163inere a economiei \u015fi de contribu\u0163ie la bugetul statului. Obiectivele comunit\u0103\u0163ii bancare urm\u0103resc s\u0103 asigure creditorilor o viziune mai transparent\u0103 \u00een privin\u0163a gestion\u0103rii procedurii de c\u0103tre administratorul judiciar \u015fi protec\u0163ia intereselor creditorilor majoritari, iar perioada de reorganizare acordat\u0103 debitorului trebuie s\u0103-i permit\u0103 acestuia s\u0103 se redreseze. Rec\u00e2\u015ftigarea \u00eencrederii actorilor din mediul de business nu poate veni f\u0103r\u0103 \u00eent\u0103rirea disciplinei financiare.<\/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>De ce se tem b\u0103ncile de insolven\u0163\u0103<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, noiembrie 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-3140","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>E nevoie de disciplin\u0103 financiar\u0103 - 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