{"id":3359208,"date":"2022-09-19T17:00:54","date_gmt":"2022-09-19T14:00:54","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3359208"},"modified":"2024-01-20T12:07:10","modified_gmt":"2024-01-20T10:07:10","slug":"smes-talk-gabriela-folcut-arb-unul-dintre-factorii-care-nu-permit-accelerarea-gradului-de-intermediere-financiara-este-numarul-mare-de-firme-subcapitalizate","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-gabriela-folcut-arb-unul-dintre-factorii-care-nu-permit-accelerarea-gradului-de-intermediere-financiara-este-numarul-mare-de-firme-subcapitalizate\/","title":{"rendered":"SMEs Talk Gabriela Folcu\u021b, ARB: Unul dintre factorii care nu permit accelerarea gradului de intermediere financiar\u0103 este num\u0103rul mare de firme subcapitalizate - only in romanian"},"content":{"rendered":"
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Gradul de intermediere financiar\u0103 a sc\u0103zut cu 10 puncte procentuale, de la 37% \u00een 2008 la 27%, la finalul anului 2021. \u00cen aceea\u0219i perioad\u0103 PIB-ul Rom\u00e2niei s-a dublat, iar soldul creditului neguvernamental a crescut cu 80%, a spus, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Gabriela Folcu\u021b, Director Executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). <\/strong><\/p>

\u201eAceast\u0103 cre\u0219tere de 80% poate c\u0103 pare mai mica \u00een raport cu viteza de dublare a PIB-ului sau de dublare a activelor care s-a \u00eent\u00e2mplat \u00een perioada 2008-2021. Soldul creditului neguvernamental \u00eenseamn\u0103 acord\u0103rile de credite noi, din care se scad creditele rambursate par\u021bial, cele rambursate total \u0219i v\u00e2nz\u0103rile de credite. Nu reflect\u0103 doar volumul de credite noi. Aceasta este \u0219i motiva\u021bia pentru care la un moment dat acest parcurs poate p\u0103rea mai lent.<\/em><\/p>

\u00cens\u0103, dac\u0103 analiz\u0103m per ansamblu creditarea, vom vedea c\u0103 creditele noi acordate la nivelul economiei au crescut \u00eentr-un ritm destul de alert. Volumul creditelor noi acordate \u00een economie, \u00een perioada 2007-2020, se cifreaz\u0103 la 1.000 de miliarde de lei, ceea ce este echivalent cu PIB-ul la nivelul anului 2020. \u00cen compara\u021bie cu soldul creditului neguvernamental la finele lui 2020 acest volum de credite noi este de 3,6 ori mai mare<\/em>\u201d, explic\u0103 Gabriela Folcu\u021b.<\/p>

Ea adaug\u0103 c\u0103 sunt o serie de factori care nu permit o accelerare a gradului de intermediere financiar\u0103, care a atins un maxim de circa 40% \u00een 2011.<\/p>

\u201eUnul dintre factori este legat de num\u0103rul foarte mare de firme subcapitalizate. Avem o treime din firme cu capital negativ la nivel na\u021bional. Sunt circa 12.000 de firme bancabile dintr-un num\u0103r de aproximativ 690.000 de firme.<\/em><\/p>

Dac\u0103 ne uit\u0103m \u00een bilan\u021bul firmelor vom observa c\u0103 circa 30% sunt \u00eemprumuturi de la ac\u021bionari, \u00een loc s\u0103 fie capital social. Vedem, de asemenea, c\u0103 \u00een propor\u021bie de 30% firmele au credit comercial \u00een bilan\u021b. Acest credit comercial \u00een perioad\u0103 de criz\u0103 reprezint\u0103 boal\u0103 sigur\u0103 care duce firma \u00een faliment. S-ar putea s\u0103 observ\u0103m o cre\u0219tere deja a num\u0103rului de insolven\u021be \u0219i, odat\u0103 cu acesta, efectul de domino va duce c\u00e2t mai multe firme spre un parcurs nu tocmai dorit. \u0218tim c\u0103, \u00een Rom\u00e2nia, foarte pu\u021bine companii au capabilitatea s\u0103 se redreseze dintr-o procedur\u0103 de insolven\u021b\u0103. Cam 90%, poate \u0219i mai mult, ajung \u00een faliment.<\/em><\/p>

Educa\u021bia financiar\u0103 este un alt factor. \u00cen Rom\u00e2nia, \u00een continuare, gradul de educa\u021bie financiara este destul de sc\u0103zut, avem un raport care ne arat\u0103 c\u0103 alfabetizarea financiar\u0103 este de 11,2, cea mai sc\u0103zut\u0103 din Europa<\/em>\u201d, mai spune aceasta.<\/p>

Gabriela Folcu\u021b afirm\u0103 \u0219i c\u0103 fenomenul migra\u021biei, care a accelerat foarte puternic \u00een ultimii ani, \u00eempiedic\u0103 cre\u0219terea gradului de intermediere financiar\u0103.<\/p>

\u201eC\u00e2nd ne uit\u0103m la cine ar putea s\u0103 acceseze credite astfel \u00eenc\u00e2t s\u0103 cre\u0219tem intermedierea financiar\u0103 la un nivel c\u00e2t mai apropiat de media european\u0103, de 92%, vedem c\u0103 25% din for\u021ba de munc\u0103 activ\u0103 din Rom\u00e2nia lucra \u00een str\u0103in\u0103tate \u00eenainte de pandemie. Mai mult dec\u00e2t at\u00e2t, \u00een momentul de fa\u021b\u0103, la nivel na\u021bional un cet\u0103\u021bean din patru este pensionar \u0219i avem 25 de jude\u021be care au un num\u0103r de pensionari mai mare dec\u00e2t num\u0103rul de angaja\u021bi. Cred c\u0103 ar trebui s\u0103 se acorde o aten\u021bie sporit\u0103 acestui fenomen al emigr\u0103rii, pentru c\u0103, \u00een ceea ce prive\u0219te stabilitatea pl\u0103\u021bii pensiilor pe viitor, cu siguran\u021b\u0103 vor exista probleme dac\u0103 nu se iau m\u0103suri proactive<\/em>\u201d, precizeaz\u0103 directorul executiv al ARB.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Ea mai spune c\u0103 \u00een 2021, \u00een Rom\u00e2nia, s-a atins \u0219i cel mai \u00eenalt grad de incluziune financiar\u0103, de 69%, cu 11 puncte procentuale mai mult fa\u021b\u0103 de 2017. \u00cen r\u00e2ndul persoanelor cu venituri reduse, gradul de incluziune financiara este de 57%.<\/p>

De asemenea, \u00een Rom\u00e2nia, unul din trei rom\u00e2ni se afl\u0103 \u00een risc de s\u0103r\u0103cie \u0219i excluziune social\u0103.<\/p>

\u201ePentru ace\u0219ti clien\u021bi, pentru a putea fi integra\u021bi mai u\u0219or, exist\u0103 o lege special\u0103 care le permite s\u0103 aib\u0103 conturi curente gratuite. E foarte important c\u0103 a accelerat aceast\u0103 digitalizare \u00een perioada pandemiei, iar incluziunea a atins acest nivel de 69%, practic 7 rom\u00e2ni din 10 au conturi curente la b\u0103nci<\/em>\u201d, continu\u0103 Gabriela Folcu\u021b.<\/p>

\u201eRom\u00e2nii au avut \u0219i acces t\u00e2rziu la produsele \u0219i serviciile financiare. \u00cenainte, \u00een vremea comunismului, doar 5% dintre rom\u00e2ni au avut un cont curent deschis. \u00cen primul deceniu de dup\u0103 c\u0103derea comunismului, aproximativ 12% dintre rom\u00e2ni aveau deschis un cont curent, iar dup\u0103 anii 2000, 77% dintre rom\u00e2ni aveau conturi curente deschise<\/em>\u201d, adaug\u0103 ea.<\/p>

\u00cen 2022, 46% dintre persoanele care au conturi bancare au efectuat pl\u0103\u021bi prin mobile \u0219i internet banking, fa\u021b\u0103 de 27% \u00een 2020.<\/p>

\u201eA fost o cre\u0219tere destul de important\u0103. S\u0103 nu uit\u0103m c\u0103, acum circa 7 ani, pl\u0103\u021bile de retail erau efectuate \u00een special cu cash, \u00een propor\u021bie de 94%. Sunt cam 4% dintre rom\u00e2ni care efectueaz\u0103 exclusiv pl\u0103\u021bi cu cardul, 26% dintre cei care efectueaz\u0103 pl\u0103\u021bi \u00een mod special cu cardul, dar mai pl\u0103tesc \u0219i \u00een numerar, 34% dintre rom\u00e2ni pl\u0103tesc \u0219i numerar \u0219i card, 13% numai numerar \u0219i 23% mai mult numerar. Deci, se observ\u0103 o \u00eembun\u0103t\u0103\u021bire a comportamentului de plat\u0103 prin sistemele electronice, at\u00e2t cu cardul, c\u00e2t \u0219i prin internet \u0219i mobile banking.<\/em><\/p>

\u00cen primii doi ani de pandemie volumul, pl\u0103\u021bile \u0219i num\u0103rul acestora au crescut cu 53%, comparativ cu decembrie 2019. Este loc s\u0103 \u00eembun\u0103t\u0103\u021bim partea asta de incluziune financiar\u0103, pentru c\u0103 sunt state europene unde to\u021bi cet\u0103\u021benii adul\u021bi au conturi curente. Suntem pe direc\u021bia cea bun\u0103<\/em>\u201d, mai spune Gabriela Folcu\u021b.<\/p>

Legat de incluziunea financiar\u0103 \u00een Rom\u00e2nia, ea afirm\u0103 c\u0103 exist\u0103 \u00een continuare o serie de factori care nu permit o accelerarea a cre\u0219terii num\u0103rului de rom\u00e2ni care au conturi active la banc\u0103.<\/p>

\u201eRata s\u0103r\u0103ciei \u0219i excluziunii sociale \u00een Rom\u00e2nia este de 35,8%. Este unul dintre motivele pentru care ei nu acceseaz\u0103 produsele \u0219i serviciile financiare, nu doar bancare. Mai exist\u0103 reticen\u021ba persoanelor peste o anumit\u0103 v\u00e2rst\u0103 \u00een a deschide \u0219i a utiliza un cont bancar, poate \u0219i pentru faptul c\u0103 nu au \u00een apropiere magazine unde s\u0103 poat\u0103 s\u0103 efectueze plata la POS. Ca atare, eu cred c\u0103 una dintre m\u0103suri ar putea s\u0103 fie \u00eencurajarea companiilor care au activitate pe zona cu publicul s\u0103-\u0219i instaleze POS-uri<\/em>\u201d, precizeaz\u0103 aceasta.<\/p>

Gabriela Folcu\u021b subliniaz\u0103 \u0219i importan\u021ba educa\u021biei financiare \u00een r\u00e2ndul popula\u021biei \u0219i afirm\u0103 c\u0103 \u201enu exist\u0103 un interes global pentru accesarea de informa\u021bii de educa\u021bie financiar\u0103<\/em>\u201d.<\/p>

\u201eCred c\u0103 ar trebui s\u0103 ajungem la un nivel la care am putea s\u0103 fim la fel de bine preg\u0103ti\u021bi sau cel pu\u021bin \u00een punctul \u00een care s\u0103 putem s\u0103 estim\u0103m care ar putea s\u0103 fie consecin\u021bele unei crize viitoare, s\u0103 putem s\u0103 avem capacitatea s\u0103 adaptam nevoile noastre ciclurilor economice.<\/em><\/p>

Este foarte bine s\u0103 preconiz\u0103m ce urmeaz\u0103 s\u0103 se \u00eent\u00e2mple \u0219i, la fel de bine, s\u0103 ne preg\u0103tim din perspectiva economisirii, s\u0103 avem m\u0103car trei salarii puse deoparte<\/em>\u201d, mai spune directorul.<\/p>

Sursa: aici<\/a>
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Gabriela Folcu\u021b, Director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, Interviu video Profit News \u2013 19 septembrie 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-3359208","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Gabriela Folcu\u021b, ARB: Unul dintre factorii care nu permit accelerarea gradului de intermediere financiar\u0103 este num\u0103rul mare de firme subcapitalizate - 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\" 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