{"id":3431,"date":"2014-06-18T09:49:07","date_gmt":"2014-06-18T06:49:07","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3431"},"modified":"2024-01-20T14:09:07","modified_gmt":"2024-01-20T12:09:07","slug":"o-tema-de-actualitate","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/o-tema-de-actualitate\/","title":{"rendered":"O tema de actualitate - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3431\" class=\"elementor elementor-3431\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e95507b e-flex e-con-boxed e-con e-parent\" data-id=\"5e95507b\" 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-7b468593 elementor-widget elementor-widget-text-editor\" data-id=\"7b468593\" 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>Percep\u021bii privind Uniunea Bancar\u0103 European\u0103<\/h3><p style=\"text-align: justify;\">Ruperea cercului vicios dintre datoriile b\u0103ncilor \u0219i cele suverane, \u00eembun\u0103t\u0103\u021birea supravegherii sistemului bancar european \u0219i solu\u021bionarea problemelor b\u0103ncilor aflate \u00een criz\u0103 f\u0103r\u0103 a utiliza, \u00een principal, resurse publice sunt \u00een proces de implementare prin conturarea Uniunii Bancare Europene. L-am putea considera cel mai important proces al Uniunii Europene dup\u0103 \u00eenfiin\u021bare, date fiind resposabilit\u0103\u021bile pe care le implic\u0103 \u00een conturare \u0219i aplicare, dar \u0219i din perspectiva implica\u021biilor \u0219i provoc\u0103rilor asupra noilor planuri de distribuire a capitalului la nivel european.<\/p><p style=\"text-align: justify;\">Economiile europene sunt dependente \u00een propor\u021bie de 70-75% de finan\u021barea bancar\u0103 \u00een timp ce \u00een Rom\u00e2nia sectorul bancar rom\u00e2nesc finan\u0163eaz\u0103 preponderent economia, asigur\u00e2nd aproximativ 92% din totalul finan\u0163\u0103rilor acordate de sistemul financiar rom\u00e2nesc. 90% din activele sistemului bancar sunt de\u021binute de institu\u021bii cu capital str\u0103in. Trebuie men\u021bionat c\u0103 sistemul bancar din Rom\u00e2nia, care deserve\u0219te milioane de clien\u021bi, s-a dovedit a fi rezilient pe perioada crizei, nefiind nevoie de sprijin din fonduri publice pentru sus\u021binerea acestuia. Riscurile implicate \u00een procesul de conturare, transpunere \u0219i respectare a reglement\u0103rilor const\u0103 \u00een posibilitatea restr\u00e2ngerii expunerii \u0219i retragerea capitalului institu\u021biilor de credit cu capital str\u0103in.<\/p><p style=\"text-align: justify;\">\u00cen cadrul Mecanismului unic de supraveghere, primul pilon al Uniunii Bancare Europene, Banca Central\u0103 European\u0103 va avea calitatea de supraveghetor al b\u0103ncilor din zona euro, \u00eencep\u00e2nd cu 4 noiembrie 2014. BCE va supraveghea direct aproximativ 130 de institu\u021bii de credit \u0219i va colabora cu autorit\u0103\u021bile na\u021bionale competente pentru a supraveghea b\u0103ncile mai mici. BCE realizeaz\u0103 \u0219i va da publicit\u0103\u021bii, \u00een luna octombrie 2014, rezultatele unei evalu\u0103ri cuprinz\u0103toare a celor aproximativ 130 de b\u0103nci europene care sunt considerate semnificative care de\u021bin aproximativ 85% din activele bancare din zona euro. \u00cen categoria b\u0103ncilor supravegheate de c\u0103tre BCE sunt incluse \u0219i un num\u0103r de subsidiare ale unor institu\u021bii de credit din afara zonei euro, adic\u0103 b\u0103nci mari din Rom\u00e2nia \u00een condi\u021biile \u00een care \u021bara noastr\u0103 \u0219i-a exprimat angajamentul pentru participarea la Uniunea Bancar\u0103.<\/p><p style=\"text-align: justify;\">Testele pe care trebuie s\u0103 le treac\u0103 b\u0103ncile din zona euro pot implica major\u0103ri de capital \u0219i de ce nu \u00een final conduc la redirec\u021bionarea finan\u021b\u0103rii spre zone care asigur\u0103 randamente crescute.<\/p><p style=\"text-align: justify;\">Un alt aspect sensibil este modul \u00een care BCE va publica rezultatele evalu\u0103rii cuprinz\u0103toare a celor 130 de b\u0103nci europene (Asset Quality Review). Fiecare autoritate na\u021bional\u0103 competent\u0103 va efectua test\u0103rile conform recomand\u0103rilor BCE, cu scopul de a identifica portofolii riscante, care sunt poten\u021bial supraevaluate sau care sunt provizionate insuficient. Evaluarea complet\u0103 se va \u00eencheia cu o prezentare agregat\u0103 a rezultatelor, la nivel de \u021bar\u0103, \u00eempreun\u0103 cu orice recomand\u0103ri pentru m\u0103suri de supraveghere ale BCE.<\/p><p style=\"text-align: justify;\">Identificarea unor eventuale probleme ce ar putea impune major\u0103ri urgente de capital, chiar \u0219i numai la nivelul b\u0103ncilor mam\u0103, ar putea induce o presiune mediatic\u0103 \u0219i apreciem util c\u0103 ar trebui efectuat\u0103 o comunicare optim\u0103 premergatoare prezent\u0103rii rezultatelor test\u0103rii de c\u0103tre BCE. Pe l\u00e2ng\u0103 taxele pe care b\u0103ncile europene\u00a0 trebuie s\u0103 le achite pentru supravegherea de c\u0103tre BCE, conform unui proiect de reglementare lansat recent, costurile importante pentru b\u0103nci din constituirea Uniunii bancare sunt induse prin contribu\u021bia la Fondul unic de rezolu\u021bie (FUR) \u0219i la schemele de garantare a depozitelor na\u021bionale pentru a asigura necesarul solicitat ca grad de garantare. Efortul financiar pentru constituirea Fondului unic de Rezolu\u021bie este de 55 de miliarde euro.<\/p><p style=\"text-align: justify;\">Parlamentul European \u015fi statele membre au ajuns \u00een luna martie 2014 la un acord referitor la mecanismul de lichidare, pilonul doi din proiectul uniunii bancare care, din 2016, va permite evitarea situa\u0163iilor \u00een care contribuabilii suport\u0103 costurile de lichidare a b\u0103ncilor. Mecanismul de lichidare va intra \u00een vigoare la 1 ianuarie 2015, dar va fi func\u0163ional din 2016. Lichidarea b\u0103ncilor din zona euro va fi finan\u0163at\u0103 de un fond alimentat de b\u0103nci, dup\u0103 criterii care urmeaz\u0103 s\u0103 fie stabilite. Perioada de constituire a fondului de 55 de miliarde de euro este de opt ani. Ac\u0163ionarii \u015fi de\u0163in\u0103torii de obliga\u0163iuni vor fi primii care vor pl\u0103ti pentru salvarea sau lichidarea b\u0103ncilor, urma\u021bi de deponen\u0163i cu depozite mai mari de 100.000 de euro.<\/p><p style=\"text-align: justify;\">Fondurile de garantare a depozitelor na\u021bionale, cel de al treilea pilon al Uniunii Bancare Europene, ar putea func\u021biona cel mai probail ca o re\u021bea a fondurilor de Garantare. Directiva \u00een materie revizuit\u0103 \u0219i publicat\u0103 reconfirm\u0103 plafonul de garantare de 100.000 euro per deponent per banca \u0219i reducerea gradual\u0103 de la 20 de zile la 7 zile a termenelor de rambursare \u00een caz de indisponibilizare a depozitelor. \u00cen plus, directiva care urmeaz\u0103 s\u0103 fie transpus\u0103 \u0219i \u00een plan na\u021bional, introduce obligativitatea de finan\u021bare ex-ante a schemelor de garantare (\u00een avans) \u00een fiecare stat european. Potrivit acesteia, gradul de acoperire a depozitelor ar trebui s\u0103 fie de 0,8% din depozitele garantate \u00eentr-un deceniu. Din aceast\u0103 perspectiv\u0103, Rom\u00e2nia st\u0103 bine de vreme ce gradul de acoperire a depozitelor garantate era de 2,2% \u00een martie 2014.<\/p><p style=\"text-align: justify;\">Pe de alt\u0103 parte, la nivel european se afirm\u0103 c\u0103 motorul principal al dezvolt\u0103rii va fi cel al credit\u0103rii economiei. \u00cen concluzie, sistemele bancare sunt chemate s\u0103 joace \u00een continuare un rol principal. Av\u00e2nd \u00een vedere toate provoc\u0103rile, induse \u0219i de alte reglement\u0103ri europene, nu putem s\u0103 nu ne \u00eentreb\u0103m cum sunt \u00eencurajate finan\u021barea \u00een noul model bancar \u0219i reluarea credit\u0103rii? Cum vor evolua aloc\u0103rile de capital \u0219i expunerile? Reglementarea solicit\u0103 o creditare f\u0103r\u0103 riscuri altfel acestea ar trebui acoperite a priori cu capitaluri. Toate acestea al\u0103turi de blamarea continu\u0103 a industriei bancare \u0219i nerecunoa\u0219terea rolului acestuia de principal intermediar financiar \u0219i absorbant al riscurilor din economia de pia\u021b\u0103 liber\u0103 nu fac dec\u00e2t s\u0103 trimit\u0103 finan\u021batorii pe &#8222;mantinela&#8221; economiei europene. \u00centrebarea mea este dac\u0103 avem ast\u0103zi mai mult\u0103 nevoie de alocarea tuturor resurselor societ\u0103\u021bii c\u0103tre ciclurile electorale sau de alocarea acestora \u00een creditare?<\/p><p style=\"text-align: justify;\">Cert este c\u0103 priorit\u0103\u021bile industriei bancare vizeaz\u0103 men\u021binerea rolului sistemului bancar de principal finan\u021bator al economiei Rom\u00e2niei, solicit\u00e2nd sprijin prin demersuri pentru \u00eent\u0103rirea disciplinei financiare pentru asigurarea stabilit\u0103\u021bii \u0219i credibilit\u0103\u021bii sectorului bancar.<\/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-91548fb elementor-widget elementor-widget-button\" data-id=\"91548fb\" 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_iunie_2014.jpg\">\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>Percep\u021bii privind Uniunea Bancar\u0103 European\u0103<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, iunie 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-3431","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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