{"id":3398,"date":"2014-04-18T13:45:49","date_gmt":"2014-04-18T10:45:49","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3398"},"modified":"2024-01-20T14:10:05","modified_gmt":"2024-01-20T12:10:05","slug":"echivalenta","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/echivalenta\/","title":{"rendered":"Echivalenta - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3398\" class=\"elementor elementor-3398\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-563782b1 e-flex e-con-boxed e-con e-parent\" data-id=\"563782b1\" 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-589b0d23 elementor-widget elementor-widget-text-editor\" data-id=\"589b0d23\" 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>Clien\u021bii bancari educa\u021bi \u00eenseamn\u0103 stabilitatea sistemului<\/h3><p style=\"text-align: justify;\">Men\u021binerea disciplinei financiare este o condi\u021bie sine qua non pentru p\u0103strarea stabilit\u0103\u021bii sistemului bancar. Rata creditelor neperformante produs\u0103 de actorii economiei reale, de 22,55% la luna februarie 2014, afecteaz\u0103 indicatorii de performan\u021b\u0103 ai b\u0103ncilor, \u00een special \u00een rela\u021bia cu investitorii care pot interpreta defavorabil stabilitatea \u0219i credibilitatea sistemului bancar. Necesarul sporit de provizioane pentru acoperirea pierderilor afecteaz\u0103 profitabilitatea \u0219i creditarea.<\/p><p style=\"text-align: justify;\">Direc\u021bionarea banilor \u00een creditare este afectat\u0103 de lipsa de \u00eencredere \u00een condi\u021biile \u00een care p\u00e2n\u0103 acum 1 leu din 5 lei acorda\u021bi ca \u0219i credit nu s-a mai \u00eentors. Se perfecteaz\u0103 cadrul prin care 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. Rata creditelor neperformante ajustat\u0103 ar fi de 17,41% prin eliminarea din bilan\u021b a creditelor neperformante integral provizionate.<\/p><p style=\"text-align: justify;\">Consider\u0103m c\u0103 ar trebui evitat\u0103 orice propunere legislativ\u0103 care ar afecta 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. &#8222;Opinia&#8221; unora de genul &#8222;las\u0103 c\u0103 b\u0103ncile au bani, au de unde s\u0103 pl\u0103teasc\u0103&#8221; ar trebui documentat\u0103. Rolul b\u0103ncilor este de intermediar, grija acestora fiind plasamentele milioanelor de deponen\u021bi pe care le ruleaz\u0103 \u00een creditare. Nici de profitabilitate ridicat\u0103 nu se poate vorbi. Sistemul bancar a marcat trei ani consecutivi de pierderi \u00een perioada 2010-2012, \u00een anul 2013 fiind \u00eenregistrat un profit redus. 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-ul Rom\u00e2niei.<\/p><p style=\"text-align: justify;\">Ar trebui schimbat\u0103 optica. Acum trat\u0103m efectul \u0219i nu cauza. Rec\u00e2\u015ftigarea \u00eencrederii actorilor din mediul de business nu poate veni f\u0103r\u0103 \u00eent\u0103rirea disciplinei financiare. Care poate fi gradul de realizare f\u0103r\u0103 o educa\u021bie financiar\u0103 corespunz\u0103tore? Pe zona consumatorilor, educa\u021bia financiar\u0103 precar\u0103 \u00eenseamn\u0103 fie riscuri enorme asumate fie excluziune financiar\u0103 \u0219i, implicit, social\u0103.<\/p><p style=\"text-align: justify;\">\u00cen Rom\u00e2nia, ponderea popula\u021biei nebancarizate este de 52,3%, fa\u021b\u0103 de 0,6% \u00een Austria, 0,8% \u00een Germania \u0219i 1,3% \u00een Fran\u021ba, potrivit raportului &#8222;Consumer trends &#8211; 2014&#8221; publicat de\u00a0 Autoritatea Bancar\u0103 European\u0103.<\/p><p style=\"text-align: justify;\">B\u0103ncile sunt resposabile \u00een sens pozitiv pentru cuno\u0219tin\u021bele de educa\u021bie financiar\u0103 pe care le-au dob\u00e2ndit rom\u00e2nii care au ales s\u0103 le treac\u0103 pragul.<\/p><p style=\"text-align: justify;\">Num\u0103rul persoanelor \u00eendatorate la b\u0103nci \u015fi IFN este de 4,31 milioane, ceea ce \u00eenseamn\u0103 c\u0103 43% din popula\u021bia activ\u0103 este \u00eendatorat\u0103. Soldul creditului acordat popula\u0163iei este de 23 miliarde euro. Vulnerabilitatea exist\u0103. 30% din gospod\u0103riile popula\u0163iei din Rom\u00e2nia erau supra\u00eendatorate \u00een 2011, plas\u00e2nd \u0163ara noastr\u0103 \u00een extrema superioar\u0103 al\u0103turi de Bulgaria \u015fi Grecia, media la nivel UE fiind de 11,4% potrivit unui studiu al Comisiei Europeane. 90% dintre responden\u0163i au indicat factorii macroeconomici ca fiind determinan\u0163ii principali pentru apari\u0163ia supra\u00eendator\u0103rii: \u015fomajul, nivelul salariilor, evolu\u021bia cursului de schimb. Supra\u00eendatoararea este o consecin\u0163\u0103 a unui optimism exagerat, amplificat de anii de boom economic.\u00cen schimb, 20% din volumul creditelor totale acordate de b\u0103nci sunt restructurate.<\/p><p style=\"text-align: justify;\">Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor este favorabil\u0103 ideii de apropiere \u0219i de concentrare a aten\u021biei c\u0103tre client \u0219i de cre\u0219tere a con\u0219tientiz\u0103rii. Educa\u021bia financiar\u0103 promoveaz\u0103 o rela\u021bie echilibrat\u0103 \u00eentre clien\u021bi \u0219i b\u0103nci, la nivel micro, iar la nivel macro clien\u021bii bancari educa\u021bi asigur\u0103 stabilitatea sistemului. Impactul pe termen lung al promov\u0103rii educa\u0163iei financiare const\u0103 \u00een reducerea num\u0103rului persoanelor excluse social, consumatori informa\u021bi sistematic \u015fi protejati, schimbarea mentalit\u0103\u0163ii rom\u00e2nilor \u00een privin\u021ba banilor \u021binuti &#8222;la saltea&#8221;,\u00a0 cre\u0219terea surselor de creditare care vor contribui la dezvoltarea economic\u0103 a Rom\u00e2niei \u015fi, implicit, la stabilitatea sistemului bancar.<\/p><p style=\"text-align: justify;\">Asist\u0103m la o serie de reglement\u0103ri europene care impun o mai mare transparen\u021b\u0103 \u00een activitatea de creditare \u0219i nu numai. Const\u00e2ngerea prin reglementare este insuficient\u0103 f\u0103r\u0103 o informare corespunz\u0103toare, astfel c\u0103 educa\u021bia financiar\u0103 \u0219i implicit con\u0219tientizarea ar trebui s\u0103 c\u00e2\u0219tige prioritate, abordarea proactiv\u0103 fiind de altfel \u0219i pe ordinea de zi a \u00eent\u00e2lnirilor G20. Este necesar\u0103 demararea unor programe na\u0163ionale, prin implicarea statului, care s\u0103 conduc\u0103 la o \u00een\u0163elegere adecvat\u0103 a fenomenului financiar \u2013 bancar. Dup\u0103 modelul din UK \u0219i Cehia. Educa\u0163ia financiar\u0103 \u00eenseamn\u0103 responsabilizare.<\/p><p style=\"text-align: justify;\">Comunitatea bancar\u0103 sus\u0163ine ini\u0163iativele \u015fi contribuie activ la \u00eembun\u0103t\u0103\u0163irea nivelului de educa\u0163ie financiar bancar\u0103 a consumatorilor. Obiectivul este dezvoltarea receptivit\u0103\u0163ii pentru domeniul financiar-bancar prin promovarea unor comportamente, crearea unor deprinderi \u015fi atitudini care permit asumarea responsabilit\u0103\u0163ilor de natur\u0103 financiar\u0103. Prin eliminarea provoc\u0103rilor aduse sistemului bancar, consumatorii vor putea beneficia de servicii bancare la pre\u021buri competitive \u0219i companiile din Rom\u00e2nia vor putea concura c\u00e2t mai eficient posibil pe pie\u021bele externe.<\/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-8c6c694 elementor-widget elementor-widget-button\" data-id=\"8c6c694\" 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_aprilie_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>Clien\u021bii bancari educa\u021bi \u00eenseamn\u0103 stabilitatea sistemului<\/h3>\n<p>Gabriela Folcu\u0163, Pre\u0219edinte Comisia de Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor  &#8211; <em>Pia\u021ba Financiar\u0103, aprilie 2014<\/em><\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3398","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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