{"id":3674801,"date":"2023-05-19T16:32:26","date_gmt":"2023-05-19T13:32:26","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3674801"},"modified":"2023-12-21T13:42:56","modified_gmt":"2023-12-21T11:42:56","slug":"sme-talk-mirona-dolocan-arb-ideal-ar-fi-sa-ne-trezim-inainte-de-a-ajunge-in-insolventa-odata-ce-se-ajunge-aici-va-fi-prea-tarziu","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/sme-talk-mirona-dolocan-arb-ideal-ar-fi-sa-ne-trezim-inainte-de-a-ajunge-in-insolventa-odata-ce-se-ajunge-aici-va-fi-prea-tarziu\/","title":{"rendered":"SME Talk Mirona Dolocan, ARB: Ideal ar fi s\u0103 ne trezim \u00eenainte de a ajunge \u00een insolven\u021b\u0103. Odat\u0103 ce se ajunge aici, va fi prea t\u00e2rziu - only in romanian"},"content":{"rendered":"

\"\"<\/strong><\/p>\n

Mirona Dolocan, Pre\u0219edinte al Comisiei de recuperare credite neperformante \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), explic\u0103, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, ce pot face IMM-urile care au dificult\u0103\u021bi financiare \u0219i ce solu\u021bii au la \u00eendem\u00e2n\u0103.<\/strong><\/p>\n

\"\"<\/p>\n

\u201e\u00cen momentul \u00een care o afacere are dificult\u0103\u021bi financiare trebuie s\u0103 mearg\u0103 c\u0103tre legisla\u021bie. \u00cens\u0103, \u00eenc\u0103 mai avem de lucru la aceast\u0103 legisla\u021bie. Anul trecut am transpus directiva restructur\u0103rii, \u00een care avem \u0219i un cadru care teoretic ar trebui s\u0103 ne ajute, s\u0103 ne ofere ni\u0219te semnale de avertizare timpurie.<\/p>\n

Teoretic, aceste semnale de avertizare timpurie ar trebui s\u0103 ne fie de folos \u00een a vedea din timp \u00eencotro ne ducem din punct de vedere al afacerii, dac\u0103 urmeaz\u0103 s\u0103 \u00eent\u00e2mpin\u0103m o dificultate sau nu.<\/p>\n

Practic, legisla\u021bia ne spune c\u0103 \u00een momentul \u00een care am avea o \u00eent\u00e2rziere de plat\u0103, cel pu\u021bin pe pl\u0103\u021bi bugetare, ar trebui s\u0103 \u00eencepem s\u0103 c\u0103ut\u0103m solu\u021bii \u00eempreun\u0103 cu Ministerul Antreprenoriatului \u0219i Turismului care, conform legii, ar trebui s\u0103 aib\u0103 o pagin\u0103 dedicat\u0103 prin care s\u0103 avem la dispozi\u021bie si un network care s\u0103 ne ajute\u201d, spune Mirona Dolocan, ad\u0103ug\u00e2nd c\u0103, din p\u0103cate, tot acest cadru nu este \u00eenc\u0103 func\u021bional, iar pagina Ministerului Antreprenoriatului \u0219i Turismului este \u00eenc\u0103 \u00een lucru.<\/p>\n

Ea recomand\u0103 IMM-urilor care se afl\u0103 \u00eentr-o zon\u0103 de dificultate financiare s\u0103-\u0219i monitorizeze foarte bine situa\u021bia, iar \u00een momentul \u00een care observ\u0103 anumite probleme s\u0103 \u00eencerce s\u0103 le adreseze c\u00e2t mai rapid \u0219i mai transparent.<\/p>\n

\u201eTeoretic, cadrul legislativ exist\u0103, unele aspecte sunt nefunc\u021bionale, urmeaz\u0103 cel mai probabil s\u0103 se implementeze, dar f\u0103r\u0103 inten\u021bia noastr\u0103 sau f\u0103r\u0103 implicarea antreprenorului nu se poate face nimic. Degeaba avem semnale de avertizare timpurie a unei dificult\u0103\u021bi dac\u0103 noi nu ne uit\u0103m \u00een propria ograd\u0103 \u0219i nu \u00eencepem s\u0103 facem cur\u0103\u021benie \u0219i s\u0103 adres\u0103m situa\u021bia din timp.<\/p>\n

Sfatul meu este ca fiecare s\u0103 se uite bine \u00een propria ograda, s\u0103 verifice ce poate s\u0103 fac\u0103 singur si ce are de f\u0103cut pe viitor \u00eempreun\u0103 cu partenerii comerciali. O problem\u0103 cu c\u00e2t e adresat\u0103 mai devreme cu at\u00e2t ea are mai multe \u0219anse de a fi rezolvat\u0103. Am\u00e2narea sau ignorarea unei probleme nu reprezint\u0103 solu\u021bii de rezolvare\u201d, precizeaz\u0103 aceasta.<\/p>\n

Mirona Dolocan consider\u0103 \u0219i c\u0103 antreprenorii ar trebui s\u0103 abordeze problemele c\u00e2t mai rapid, deschis \u0219i transparent \u0219i cu creditorii bancari, pentru c\u0103, p\u00e2n\u0103 la urm\u0103, tot vor afla.<\/p>\n

\u201eIdeea e c\u0103, \u00een momentul \u00een care le vede mai t\u00e2rziu \u0219i problema nu e una de lichiditate \u0219i devine structural\u0103, adic\u0103 se dezechilibreaz\u0103 bilan\u021bul t\u0103u, lucrurile devin din ce \u00een ce mai complicate. A\u0219adar, cu c\u00e2t mai repede e pus\u0103 problema \u00een fa\u021ba creditorului bancar, cu at\u00e2t mai multe solu\u021bii pot fi disponibile.<\/p>\n

Faptul c\u0103 avem o lege privind restructurarea \u0219i avem cadre de preven\u021bie sau de restructurare pre-insolven\u021b\u0103 nu \u00eenseamn\u0103 c\u0103 nu exist\u0103 \u0219i negociere amiabil\u0103 \u00eentre dou\u0103 p\u0103r\u021bi. Creditorul bancar va fi \u00eentotdeauna mult mai deschis unei negocieri oneste \u00eenainte de a fi prea t\u00e2rziu \u0219i va \u00eencerca s\u0103 g\u0103seasc\u0103 solu\u021bii de restructurare financiar\u0103 astfel \u00eenc\u00e2t problemele s\u0103 nu dep\u0103\u0219easc\u0103 cadrul acesta\u201d, explic\u0103 Dolocan, ad\u0103ug\u00e2nd c\u0103, odat\u0103 ce se ajunge la insolven\u021b\u0103, va fi prea t\u00e2rziu.<\/p>\n

Marea majoritatea a insolven\u021belor, circa 97-98%, ajung \u00eentr-o zon\u0103 de faliment. \u201eNu spun c\u0103 nu exist\u0103 o a doua \u0219ans\u0103, ea exist\u0103, dar s\u0103 treci printr-un faliment nu e ceva pl\u0103cut, iar dac\u0103 ai aceast\u0103 rat\u0103 a falimentelor \u00een cadrul insolven\u021belor, lucrurile pe care aceast\u0103 rat\u0103 a falimentelor ni le arat\u0103 sunt foarte simple \u0219i anume c\u0103 ajungem foarte t\u00e2rziu \u00een cadrele de preven\u021bie \u0219i de insolven\u021b\u0103 de fapt. Ideal ar fi s\u0103 ne trezim \u00eenainte de a ajunge \u00een insolven\u021b\u0103\u201d, mai spune aceasta.<\/p>\n

Iar dac\u0103 o firm\u0103 ajunge \u00een insolven\u021b\u0103, continu\u0103 ea, transparen\u021ba este cheia, iar un plan realist este esen\u021bial pentru a fi votat de c\u0103tre creditori \u0219i a ie\u0219i cu succes dintr-o insolven\u021b\u0103.<\/p>\n

\u201eIdeea e c\u0103 dac\u0103 am dep\u0103\u0219it grani\u021ba simplei probleme de lichiditate \u0219i lucrurile stau mult mai dificil \u0219i ajung \u00eentr-o problem\u0103 de dezechilibru al bilan\u021bului, problemele sunt grave. Ajungem \u00een faliment pentru c\u0103 sesiz\u0103m foarte t\u00e2rziu din p\u0103cate. Cred c\u0103 e \u0219i o lips\u0103 de cultur\u0103 financiar\u0103. Ar trebui s\u0103 \u00een\u021belegem mai bine fenomenul financiar \u0219i cum s\u0103 ne uit\u0103m la situa\u021biile noastre financiare. \u0218i cred c\u0103 ar trebui s\u0103 accept\u0103m c\u0103 putem s\u0103 \u0219i gre\u0219im\u201d, spune Mirona Dolocan.<\/p>\n

Ea atrage aten\u021bia c\u0103 b\u0103ncile sunt de cele mai multe ori reticente \u00een a finan\u021ba afacerile intrate \u00een insolven\u021b\u0103, drept urmare antreprenorii ar trebui s\u0103 fie foarte aten\u021bi la situa\u021bia financiar\u0103 a firmelor lor.<\/p>\n

\u201eB\u0103ncile fac parte dintr-un sector economic extrem de bine reglementat pentru c\u0103 gestioneaz\u0103 \u00een primul r\u00e2nd economiile popula\u021biei. Drept urmare, managementul unei b\u0103nci trebuie s\u0103 fie unul foarte prudent. Iar atunci c\u00e2nd ai aceast\u0103 sarcina trebuie s\u0103 fii foarte atent cum \u00ee\u021bi gestionezi partea de active. Un credit e un activ financiar.<\/p>\n

Situa\u021bia este destul de complex\u0103 la nivelul b\u0103ncilor. Ele aplic\u0103 reglement\u0103rile interna\u021bionale \u00een materie de standarde financiare, precum IFRS 9, care reglementeaz\u0103 tratamentul activelor financiare. Astfel c\u0103, trebuie s\u0103 fie foarte atente la cum plaseaz\u0103 fondurile\u201d, explic\u0103 ea.<\/p>\n

Iar \u00een momentul \u00een care expunerea unui client a fost declasificat\u0103, ea este tratat\u0103 ca un credit neperformant \u0219i este foarte dificil pentru o banc\u0103 s\u0103 vrea s\u0103 finan\u021beze \u00een continuare acel client.<\/p>\n

\u201eNu \u021bine de voin\u021ba b\u0103ncii, ci de necesitatea de a aplica ni\u0219te reguli s\u0103n\u0103toase de management al riscului. Din nefericire, pia\u021ba noastr\u0103 nu este suficient de dezvoltat\u0103 astfel \u00eenc\u00e2t s\u0103 existe solu\u021bii de finan\u021bare alternativ\u0103 \u0219i de aceea toat\u0103 lumea consider\u0103 c\u0103 singurul salvator \u00een astfel de situa\u021bii ar trebui s\u0103 fie banca.<\/p>\n

\u00cen momentul \u00een care e\u0219ti \u00eentr-o situa\u021bie de dificultate \u0219i ai nevoie de resurse financiare noi, cel mai pragmatic ar fi s\u0103 te g\u00e2nde\u0219ti la alte metode de a finan\u021ba. B\u0103ncile vor fi deschise s\u0103 acorde solu\u021bii de restructurare, dar discu\u021bia pentru o nou\u0103 finan\u021bare va fi una foarte dur\u0103\u201d, precizeaz\u0103 Mirona Dolocan.<\/p>\n

Sursa: aici<\/a><\/p>\n

\"\"<\/p>","protected":false},"excerpt":{"rendered":"

Mirona Dolocan, Pre\u0219edinte al Comisiei de recuperare credite neperformante \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), explic\u0103, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, ce pot face IMM-urile care au dificult\u0103\u021bi financiare \u0219i ce solu\u021bii au la \u00eendem\u00e2n\u0103. \u201e\u00cen momentul \u00een care o afacere are dificult\u0103\u021bi financiare trebuie s\u0103 mearg\u0103 c\u0103tre legisla\u021bie. \u00cens\u0103, […]<\/p>\n","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3674801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSME Talk Mirona Dolocan, ARB: Ideal ar fi s\u0103 ne trezim \u00eenainte de a ajunge \u00een insolven\u021b\u0103. 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