{"id":3293,"date":"2014-03-18T12:11:37","date_gmt":"2014-03-18T10:11:37","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3293"},"modified":"2024-01-20T14:10:57","modified_gmt":"2024-01-20T12:10:57","slug":"plus-pentru-sistemul-bancar","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/plus-pentru-sistemul-bancar\/","title":{"rendered":"Plus pentru sistemul bancar - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3293\" class=\"elementor elementor-3293\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef1dbb6 e-flex e-con-boxed e-con e-parent\" data-id=\"2ef1dbb6\" 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-4f93304d elementor-widget elementor-widget-text-editor\" data-id=\"4f93304d\" 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>Raportul credite\/depozite se apropie de echilibru<\/h3><p style=\"text-align: justify;\">Contr\u00e2ngerile de reglementare existente la nivel european privind creditarea, \u00eenclina\u021bia spre economisire, reticen\u021ba \u00een contractarea de noi credite pe fondul lipsei \u00eencrederii \u00een evolu\u021bia economiei \u00een criz\u0103 \u0219i restructurarea portofoliilor b\u0103ncilor au determinat ca raportul credite\/depozite din sistemul bancar s\u0103 se apropie la numai un pas de nivelul de echilibru, cobor\u00e2nd la 101%. Realitatea este c\u0103 plaja de clien\u021bi bancabili s-a \u00eengustat \u0219i bancherii au ajuns \u00een ipostaza \u00een care &#8222;alearg\u0103&#8221; dup\u0103 clien\u021bii altor b\u0103nci, dup\u0103 clien\u021bii buni orienta\u021bi spre business dac\u0103 ne referim la companii.<\/p><p style=\"text-align: justify;\">Nivelul intermedierii financiare este plasat undeva la 35%, exprimat ca pondere a creditului neguvernamental \u00een PIB, \u00een sc\u0103dere de la pragul de 40% \u00eenregistrat \u00een 2011. Segmentul creditelor \u00een valut\u0103 a fost cel mai afectat de sc\u0103dere pe parcursul anului 2013, ca urmare a limit\u0103rii capacit\u0103\u021bii de \u00eemprumut g\u00e2ndit\u0103 la nivel european prin luarea \u00een calcul a unor factori de risc suplimentar. \u00cen acela\u0219i timp, rata de economisire este \u00een cre\u0219tere fiind plasat\u0103 la nivelul anului 2013 la 25% ca pondere \u00een PIB, de la 21, 6% \u00een 2012, potrivit datelor BNR.<\/p><p style=\"text-align: justify;\">Cre\u0219terea ponderii ratei de economisire \u00een PIB reflect\u0103 o \u00eencredere constant\u0103 \u00een ceea ce prive\u0219te plasamentele. De altfel, la nivel mondial \u00eencrederea consumatorilor \u00een sectorul bancar este \u00een cre\u015ftere. Avansul economisirii interne a compensat reducerea finan\u021b\u0103rilor de la b\u0103ncile mam\u0103 de la 20,3 miliarde euro \u00een sold la 2011 la 13,4 miliarde euro \u00een sold \u00een luna ianuarie 2014. Dac\u0103 privim \u00een structur\u0103 finan\u021b\u0103rile de la b\u0103ncile mam\u0103, cea mai mare sc\u0103dere pe componente este \u00eenregistrat\u0103 de depozitele atrase de la b\u0103ncile mam\u0103. Nivelul depozitelor atrase aproape s-a \u00eenjum\u0103t\u0103\u021bit fa\u021b\u0103 de anul 2011 pe m\u0103sur\u0103 ce ajungeau la scaden\u021b\u0103, adic\u0103 6,3 miliarde euro \u00een ianuarie 2014 fa\u021b\u0103 de 11,5 miliarde euro \u00een 2011. Asist\u0103m la un proces ordonat de dezintermediere financiar\u0103. Plasamentele trebuie s\u0103 fie rentabile, altfel finan\u021barea pleac\u0103 acolo unde g\u0103se\u0219te o fructificare mai bun\u0103.<\/p><p style=\"text-align: justify;\">Institu\u021biile de credit sunt interesate s\u0103 sus\u021bin\u0103 economia cu credite. \u00cen acela\u0219i timp, b\u0103ncile au responsabilitatea milioanelor de deponen\u021bi. O economie capitalist\u0103 nu se poate dezvolta f\u0103r\u0103 un sistem bancar stabil \u0219i solid care s\u0103-\u0219i exercite rolul de finan\u021bator al economiei. Sectorul bancar din Rom\u00e2nia finan\u0163eaz\u0103 preponderent economia rom\u00e2neasc\u0103, asigur\u00e2nd aproximativ 92% din totalul finan\u0163\u0103rilor acordate de sistemul financiar. La fel, un sistem bancar nu poate performa \u0219i \u00eendeplini \u00een totalitate rolul dac\u0103 economia nu este s\u0103n\u0103toas\u0103 \u0219i dac\u0103 actorii economiei reale exercit\u0103 presiune pe bilan\u021burile institu\u021biilor de credit.<\/p><p style=\"text-align: justify;\">Sistemul bancar a marcat trei ani consecutivi de pierderi \u00een perioada 2010- 2012, \u00een anul 2013 fiind \u00eenregistrat un profit, am putea spune modic. Vorbim de un rezultat net de 110 milioane de euro \u00een condi\u021biile \u00een care b\u0103ncile au intermediat prin credite echivalentul unei treimi din PIB. Institu\u021biile de credit au absorbit pierderile economiei reale, ale celor care au \u00eencercat f\u0103r\u0103 succes s\u0103 se dezvolte prin creditare.<\/p><p style=\"text-align: justify;\">Insolven\u021ba companiilor este contabilizat\u0103 \u00een bilan\u021burile b\u0103ncilor cu o pondere de 10% din creditul neguvernamental. Efectele generate de aplicarea legii insolven\u021bei au determinat comunitatea bancar\u0103 s\u0103 solicite organizarea unei baze de date care s\u0103 con\u021bin\u0103 date privind companiile \u0219i, \u00een m\u0103sura \u00een care este dovedit\u0103\u00a0 implicarea, cu administratorii care au abuzat de prevederile legale \u00een vigoare pe zona insolven\u021bei. Insolven\u021ba, reducerea activit\u0103\u021bii companiilor, restr\u00e2ngerea consumului, impactul concedierilor \u0219i al reducerii salariilor asupra capacita\u0163ii de rambursare a creditelor \u0219i episoadele de depreciere rapid\u0103 a leului \u00een raport cu valutele str\u0103ine au condus la cre\u0219terea ratei creditelor neperformante.<b><\/b><\/p><p style=\"text-align: justify;\">Rata creditelor neperformante s-a plasat la 21,9% la finele lunii decembrie 2013. De altfel, ponderea mare a creditelor neperformante, comparativ cu alte state, este determinat\u0103 pe de o parte de faptul c\u0103 b\u0103ncile din Rom\u00e2nia nu au procedat la scoaterea acestora \u00een afara bilan\u021bului \u0219i c\u0103 neperformantele se adreseaz\u0103 unei baze de credite \u00een sc\u0103dere. Acoperirea creditelor neperformante cu provizioane IFRS \u015fi filtre pruden\u0163iale se men\u021bine confortabil, iar rata de solvabilitate s-a men\u0163inut la un nivel adecvat, de 15,02% \u00een decembrie 2013.<\/p><p style=\"text-align: justify;\">Tensiunea generat\u0103 de neperforman\u021ba unor portofolii a \u00eenceput s\u0103 scad\u0103 u\u0219or la unele b\u0103nci.<\/p><p style=\"text-align: justify;\">Ne a\u0219tept\u0103m ca rata creditelor neperformante s\u0103 scad\u0103 cu c\u00e2teva puncte procentuale dup\u0103 ce b\u0103ncile vor proceda la eliminarea din bilan\u021b a creditelor neperformante (write off) pentru care nu exist\u0103 a\u0219tept\u0103ri rezonabile de recuperare dar care sunt integral provizionate, \u00een baza politicilor contabile ale b\u0103ncilor agreate cu auditorii externi. Potrivit datelor BNR, creditele neperformante acoperite integral de provizioane se cifreaz\u0103 la circa 6 miliarde lei, iar rata creditelor neperformante ajustat\u0103 astfel ar fi de 17,41%. B\u0103ncile \u00ee\u015fi p\u0103streaz\u0103 drepturile de recuperare a crean\u0163elor \u0219i dup\u0103 scoaterea creditelor respective din bilan\u021b.<\/p><p style=\"text-align: justify;\">Este de a\u0219teptat ca procesul de creditare s\u0103 se reia cu lec\u021biile \u00eenv\u0103\u021bate \u00een cinci ani de criz\u0103. R\u0103m\u00e2ne de v\u0103zut dac\u0103 se va pune mai mult accentul pe creditarea companiilor de vreme ce o treime din popula\u021bie este considerat\u0103 supra\u00eendatorat\u0103. Bancherii vor balansa \u0219i riscul pe care \u00eel genereaz\u0103 creditarea. Pe zona credit\u0103rii persoanelor fizice, problema este c\u0103 se ajunge ca o prevedere din contract care era conform\u0103 cu legisla\u021bia\/reglement\u0103rile de acum cinci ani, spre exemplu, s\u0103 fie declarat\u0103 azi abuziv\u0103. \u00a0Este o lec\u021bie \u00eenv\u0103\u021bat\u0103 \u00een criz\u0103 care va influen\u021ba aloc\u0103rile viitoare de finan\u021bare.<\/p><p style=\"text-align: justify;\">Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor continu\u0103 s\u0103 depun\u0103 eforturi sus\u021binute pentru eliminarea barierelor inclusiv de ordin legislativ \u00een desf\u0103\u0219urarea activit\u0103\u021bii bancare, astfel \u00eenc\u00e2t sectorul bancar s\u0103 fie \u0219i mai \u00een m\u0103sur\u0103 s\u0103 sprijine clien\u021bii s\u0103i \u0219i s\u0103 contribuie la crearea de locuri de munc\u0103.<\/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-819f76a elementor-widget elementor-widget-button\" data-id=\"819f76a\" 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_martie_2014.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>Raportul credite\/depozite se apropie de echilibru<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, martie 2014 <\/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-3293","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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