{"id":3187,"date":"2013-12-18T10:08:41","date_gmt":"2013-12-18T08:08:41","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3187"},"modified":"2024-01-20T14:11:42","modified_gmt":"2024-01-20T12:11:42","slug":"fara-tine-cont-de-punctul-de-vedere-al-bancilor","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/fara-tine-cont-de-punctul-de-vedere-al-bancilor\/","title":{"rendered":"F\u0103r\u0103 a \u021bine cont de punctul de vedere al b\u0103ncilor - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3187\" class=\"elementor elementor-3187\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33dddb47 e-flex e-con-boxed e-con e-parent\" data-id=\"33dddb47\" 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-15808645 elementor-widget elementor-widget-text-editor\" data-id=\"15808645\" 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><b>Const\u00e2ngerea prin reglementare legislativ\u0103 &#8211; o provocare pentru economie<\/b><\/h3><p style=\"text-align: justify;\">Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB, &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 2013 <\/em><\/p><p style=\"text-align: justify;\">Rec\u00e2\u015ftigarea \u00eencrederii actorilor din mediul de business nu poate veni f\u0103r\u0103 \u00eent\u0103rirea disciplinei financiare. Ar trebui evitat\u0103 orice propunere legislativ\u0103 care afecteaz\u0103 disciplina de creditare \u0219i unde aplicabilitatea legii depinde de buna credin\u021b\u0103, mai ales acum c\u00e2nd economia are nevoie de stabilitatea sistemului bancar \u0219i de resurse pentru creditare. Argumentele \u00een favoarea legifer\u0103rii unei situa\u021bii, cum este spre exemplu cea a insolven\u021bei persoanelor fizice, trebuie s\u0103 fie \u00eenso\u021bite de un studiu riguros care s\u0103 \u021bin\u0103 cont de particularit\u0103\u021bile economiei rom\u00e2ne\u0219ti care s\u0103 arate impactul pe care \u00eel produce.<\/p><p style=\"text-align: justify;\"><b>\u00a0<\/b>Suntem \u00een situa\u021bia \u00een care vocile din economie solicit\u0103 credite \u0219i, \u00een unele cazuri, acelea\u0219i voci vorbesc de protec\u021bia clien\u021bilor \u0219i aduc \u00een discu\u021bie o serie de propuneri legislative care afecteaz\u0103 disciplina de creditare. Vorbim de \u00eencredere. Cum ar putea convinge bancherul un ac\u021bionar s\u0103 continue s\u0103 investeasc\u0103 bani \u00eentr-o economie c\u00e2nd vede c\u0103 21,7% din creditele date nu mai sunt performante \u0219i c\u0103 se continu\u0103 presiunile ca legisla\u021bia s\u0103-i fie defavorabil\u0103? Orice presiune pus\u0103 pe activul b\u0103ncilor afecteaz\u0103 echilibrul \u0219i decizia de alocare de capital \u0219i de finan\u021bare pentru creditare. De fapt, afecteaz\u0103 \u00eentreaga economie.<\/p><p style=\"text-align: justify;\">Num\u0103rul persoanelor \u00eendatorate la b\u0103nci \u015fi IFN este de 4,31 milioane, ceea ce reprezint\u0103 43% din popula\u021bia activ\u0103.\u00a0 Num\u0103rul contractelor de credit este de peste 7 milioane, \u0219tiut fiind faptul c\u0103 unii clien\u021bi au \u00een derulare mai multe credite. Valoarea \u00eendator\u0103rii popula\u0163iei de la b\u0103nci \u015fi IFN autohtone &#8211; incluz\u00e2nd \u015fi creditele externalizate &#8211; este de 115,3 miliarde lei (aproximativ 26 miliarde euro) \u00een luna iunie 2013. Dac\u0103 analiz\u0103m strict creditul neguvernamental, observ\u0103m c\u0103 soldul creditului acordat popula\u021biei se cifreaz\u0103 la 23 miliarde euro. Num\u0103rul persoanelor fizice cu restan\u021be peste 30 de zile este pe aproximativ 700.000. Aici intr\u0103 \u00een mod special restan\u021bele la creditele pentru consum f\u0103r\u0103 ipotec\u0103. De remarcat este c\u0103 70% din volumul total al creditelor neperformante, potrivit datelor la luna iunie 2013, sunt reprezentate de creditele acordate \u00een intervalul 2007-2008. B\u0103ncile \u00ee\u0219i sprijin\u0103 clien\u021bii afecta\u021bi de criza economic\u0103: au restructurat 20% din volumul creditelor acordate.<\/p><p style=\"text-align: justify;\">Argumentele trebuie analizate \u0219i \u00een\u021belese. Nu trebuie \u00een\u021beles c\u0103 ne \u00eempotrivim &#8222;din oficiu&#8221; la anumite propuneri legislative, dar b\u0103ncile sunt con\u0219tiente de riscurile \u0219i presiunile pe care le-ar putea provoca acestea.<\/p><p style=\"text-align: justify;\">O eventual\u0103 reglementare legislativ\u0103 trebuie s\u0103 fac\u0103 obiectul unei proces temeinic, care s\u0103 aib\u0103 la baz\u0103 o cercetare riguroas\u0103 \u015fi aportul tuturor entit\u0103\u0163ilor implicate (Banca Na\u0163ional\u0103 a Rom\u00e2niei, Ministerul Justi\u0163iei, Ministerul Finan\u0163elor Publice, Autoritatea Na\u0163ional\u0103 pentru Protec\u0163ia Consumatorilor \u015fi Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor), iar elaborarea sa s\u0103 nu fie influen\u0163at\u0103 de presiuni sau de constr\u00e2ngeri de timp.<\/p><p style=\"text-align: justify;\">Trebuie \u00een\u021beleas\u0103 necesitatea alinierii proiectelor la practicile europene, inclusiv \u00een sensul introducerii de restric\u0163ii\/penalit\u0103\u0163i pentru cei care au intrat \u00een faliment. Nu se poate admite ca un client care se declar\u0103 azi &#8222;falit&#8221;, s\u0103 ia peste o lun\u0103 un alt credit din banii unui deponent. Banca intermediaz\u0103 procesul de finan\u021bare, dar trebuie s\u0103 protejeze to\u021bi clien\u021bii. Este necesar\u0103 protec\u0163ia celor peste 10 milioane de deponen\u0163i, motiv pentru care nu se poate accepta ca procedura s\u0103 se \u00eenchid\u0103 cu plata a 75% din crean\u0163\u0103 cum se prevedea \u00eentr-una din cele patru propuneri legislative ini\u021biate \u00een materie.<\/p><p style=\"text-align: justify;\">V\u0103 invit s\u0103 analiz\u0103m situa\u021bia Greciei unde aproximativ 30.000 de persoane cu credite ipotecare \u00een derulare profit\u0103 de un moratoriu impus asupra execut\u0103rii silite a locuin\u0163elor \u00een perioada crizei pentru a nu-\u015fi pl\u0103ti ratele, de\u015fi au posibilit\u0103\u0163i financiare. De remarcat este c\u0103 tribunalele din Grecia au respins un num\u0103r mare de cereri pentru suspendarea de la plat\u0103\/executare dup\u0103 ce au descoperit c\u0103 solicitan\u0163ii au \u00eencercat s\u0103 ascund\u0103 o parte important\u0103 a activelor.<\/p><p style=\"text-align: justify;\">Reticien\u0163a b\u0103ncilor este de \u00een\u0163eles dac\u0103 avem tabloul complet al insolven\u021bei persoanelor juridice, dat fiind faptul c\u0103 10% din totalul creditului neguvernamental reprezint\u0103 acum credite acordate companiilor intrate ulterior \u00een insolven\u0163\u0103. Dintre companiile intrate \u00een insolven\u0163\u0103 \u00een perioada ianuarie 2009 \u2013 august 2013, \u00een stadiul de reorganizare au ajuns doar 1,2 %. Sumele recuperate \u00een urma procedurilor sunt infime, de ordinul a 2%.<\/p><p style=\"text-align: justify;\">Con\u0219tiente de riscurile \u0219i presiunile pe care le-ar putea provoca, autorit\u0103\u021bile rom\u00e2ne au inclus condi\u021bionalit\u0103\u021bi \u00een scrisoarea de inten\u021bie asumat\u0103 \u00een fa\u021ba institu\u021biilor financiare interna\u021bionale tocmai pentru a men\u021bine disciplina de creditare \u0219i pentru evitarea harzardului \u00een r\u00e2ndul debitorilor. Potrivit scrisorii de inten\u021bie, autorit\u0103\u021bile se vor ab\u021bine de la adoptarea unor ini\u021biative legislative cum ar fi, spre exemplu, propunerea privind legea insolven\u021bei personale \u0219i cea privind colectarea datoriilor sau de la amendarea Ordonan\u021bei de urgen\u021b\u0103 a Guvernului 50\/2010, ce ar submina disciplina de creditare.<\/p><p style=\"text-align: justify;\">Const\u00e2ngerea prin reglementare legislativ\u0103, f\u0103r\u0103 a \u021bine cont \u00een mod obiectiv de punctul de vedere al b\u0103ncilor \u0219i al celorlal\u021bi creditori, poate duce la riscuri majore dificil de surmontat \u0219i de acoperit. Impactul pe termen lung al promov\u0103rii unor altfel de ini\u021biative duce la sc\u0103derea surselor de creditare care contribuie la dezvoltarea economic\u0103 a Rom\u00e2niei \u015fi, implicit, la afectarea stabilit\u0103\u021bii sistemului bancar \u0219i al economiei \u00een ansamblu.<\/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-edec8c4 elementor-widget elementor-widget-button\" data-id=\"edec8c4\" 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\/PF_decembrie_2013.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>Const\u00e2ngerea prin reglementare legislativ\u0103 &#8211; o provocare pentru economie<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 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-3187","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 - 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