{"id":3681658,"date":"2023-11-29T21:49:54","date_gmt":"2023-11-29T19:49:54","guid":{"rendered":"https:\/\/new.arb.ro\/?p=3681658"},"modified":"2024-02-04T22:26:00","modified_gmt":"2024-02-04T20:26:00","slug":"florin-danescu-presedinte-executiv-arb-ne-am-dezvoltat-dar-ne-am-fi-putut-dezvolta-mult-mai-mult-daca-am-fi-evoluat-dupa-regulile-jocului-pietei-libere","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/florin-danescu-presedinte-executiv-arb-ne-am-dezvoltat-dar-ne-am-fi-putut-dezvolta-mult-mai-mult-daca-am-fi-evoluat-dupa-regulile-jocului-pietei-libere\/","title":{"rendered":"Florin D\u0103nescu, pre\u0219edinte executiv ARB: Ne-am dezvoltat, dar ne-am fi putut dezvolta mult mai mult, dac\u0103 am fi evoluat dup\u0103 regulile jocului pie\u021bei libere - only in romanian"},"content":{"rendered":"
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Rom\u00e2nia are o cifr\u0103 de 25% intermediere financiar\u0103, care a sc\u0103zut cu 15% din 2010, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). Motivul este legat de reticen\u021ba oamenilor \u00een ceea ce prive\u0219te rela\u021bia cu b\u0103ncile.<\/strong><\/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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\u201eDac\u0103 ne uit\u0103m la rolul nostru \u00een Europa, la rolul unei industrii \u00een Rom\u00e2nia \u0219i apoi la rolul european \u00een lume, din perspectiv\u0103 bancar\u0103, ne uit\u0103m practic cum ne atingem noi destina\u021bia. Ce face o banc\u0103, o industrie bancar\u0103? Finan\u021beaz\u0103 economia, industriile, cu ajutorul intermedierii financiare, adic\u0103 pune la dispozi\u021bie clien\u021bilor s\u0103i \u0219i posibilitatea de a constitui depozite, de a economisi.<\/p>

Dac\u0103 privim la nivel european putem spune c\u0103 Europa, odat\u0103 cu constituirea UE, trebuie s\u0103 se finan\u021beze cu o industrie bancar\u0103 puternic\u0103 ca s\u0103 poat\u0103 concura ca \u0219i economie, deci \u0219i ca finan\u021bare cu marile economii ale lumii, precum SUA, China, Japonia, orice fel de economie global\u0103 puternic\u0103, pentru c\u0103 Europa asta \u0219i-a dorit, asta a \u021bintit s\u0103 fie reprezentativ\u0103 economic la nivel mondial, astfel \u00eenc\u00e2t bun\u0103starea cet\u0103\u021benilor europeni s\u0103 fie relevant\u0103, important\u0103\u201d, spune acesta.<\/p>

Europa se finan\u021beaz\u0103 prin b\u0103nci \u00een cea mai mare m\u0103sur\u0103. 75% din totalul finan\u021b\u0103rii europene se face cu ajutorul industriei bancare \u0219i 25% cu ajutorul pie\u021bei de capital. SUA \u00eens\u0103 se finan\u021beaz\u0103 \u00een propor\u021bie de 75% prin pia\u021ba de capital \u0219i doar 25% prin finan\u021bare bancar\u0103.<\/p>

\u201ePoate c\u0103 nu e o problem\u0103 aici, dar trebuie s\u0103 vedem \u0219i cantitativ ce \u00eenseamn\u0103 lucrul acesta, adic\u0103 s\u0103 ne uitam pu\u021bin la intermedierea financiar\u0103 din perspectiv\u0103 european\u0103 \u0219i american\u0103. Intermedierea financiar\u0103 la nivel european, adic\u0103 credite acordate de c\u0103tre b\u0103nci popula\u021biei \u0219i companiilor, \u00een total raportat la PIB reprezint\u0103 aproximativ 90%, o cifr\u0103 foarte mare. Ne surprinde de fiecare dat\u0103 aceast\u0103 cifr\u0103.<\/p>

\u00cen SUA avem o situa\u021bie extrem de surprinz\u0103toare, avem 215% intermediere financiar\u0103 raportat la PIB. \u00cen concluzie, doar 25% din finan\u021barea american\u0103 reprezint\u0103 215% din PIB american. A\u0219adar, Europa are un decalaj. \u0218i atunci, e clar c\u0103 nu po\u021bi s\u0103 construie\u0219ti o eocnomie puternic\u0103 cu o finan\u021bare mai mic\u0103, dezavantajoas\u0103\u201d, precizeaz\u0103 Florin D\u0103nescu.<\/p>

\u00cen ceea ce prive\u0219te Rom\u00e2nia, intermedierea financiar\u0103 e de 25%, care a sc\u0103zut de la 40%, din 2010.<\/p>

\u201ePercep\u021bia general\u0103 creat\u0103 \u00een anii care s-au scurs este c\u0103 ar trebui s\u0103 privim cu precau\u021bie rela\u021bia de creditare cu industria bancar\u0103. Asta \u00eenseamn\u0103 de fapt reducerea posibilit\u0103\u021bii economiei Rom\u00e2niei de a ajunge economiile dezvoltate din urm\u0103. Nu po\u021bi s\u0103 concurezi cu o economie precum Danemarca care se finan\u021beaz\u0103 cu 175% credit bancar din PIB.<\/p>

Cu toate c\u0103 percep\u021bia despre Rom\u00e2nia era c\u0103 avem destule b\u0103nci, destul credit, acest credit e scump \u0219i c\u0103 ne descurc\u0103m \u0219i altfel dec\u00e2t cu b\u0103ncile, cifrele nu prea sus\u021bin. De fapt, lucrurile stau cu totul invers. Nu po\u021bi s\u0103 ai o economie puternic\u0103, dezvoltat\u0103 far\u0103 o sus\u021binere cu o pondere foarte mare a finan\u021b\u0103rii bancare\u201d, afirm\u0103 pre\u0219edintele executiv al ARB.<\/p>

De\u0219i economia Rom\u00e2niei a crescut constant de la schimbarea regimului politic, \u021bara are \u00eens\u0103 o problem\u0103 de poten\u021bial.<\/p>

\u201ePIB a crescut \u0219i finan\u021barea a crescut \u0219i ea. \u0218i azi cre\u0219te, numai c\u0103 a crescut mai \u00eencet. Asta arat\u0103 c\u0103 finan\u021barea economiei se face tot mai mult pe un PIB tot mai mare din alte surse dec\u00e2t sursa bancar\u0103. \u0218i \u0103sta ar fi un lucru foarte bun dac\u0103 nu am con\u0219tientiza c\u0103 la nivel european intermedierea financiar\u0103 e de 90%.<\/p>

E at\u00e2t de mare pentru c\u0103 pre\u021bul creditului bancar este cel mai mic dintre toate finan\u021b\u0103rile \u00een toate \u021b\u0103rile, chiar dac\u0103 sunt diferen\u021be de dob\u00e2nzi. Asta \u00eenseamn\u0103 \u0219i o transparen\u021b\u0103 \u00een economie \u0219i o trasabilitate a actului economic, lucru care face tot mai mult economia Rom\u00e2niei sau membrii economiei Rom\u00e2niei s\u0103 caute alte forme de finan\u021bare, dar nu con\u0219tientizeaz\u0103 ca sunt de fapt mult mai scumpe \u0219i ca nu sunt constante \u0219i neap\u0103rat transparente\u201d, mai spune D\u0103nescu.<\/p>

De aceea, continu\u0103 el, economiile mari, puternice din Europa \u0219i din lume, au o dependen\u021b\u0103 \u0219i o rela\u021bie foarte puternic\u0103 cu creditul bancar.<\/p>

\u201eE o corela\u021bie direct\u0103 foarte puternic\u0103 \u00eentre nivelul de dezvoltare al unei \u021b\u0103rii, bun\u0103starea individual\u0103 \u0219i volumul intermedierii financiare. Corela\u021bia, rela\u021bia de dependen\u021b\u0103 direct\u0103 \u00eentre bun\u0103stare \u0219i creditul bancar este foarte puternic.<\/p>

\u00cen concluzie, ne-am dezvoltat, dar ne-am fi putut dezvolta mult mai mult, dac\u0103 am fi evoluat dup\u0103 regulile jocului pie\u021bei libere mai mult, cu o pia\u021b\u0103 neagr\u0103 mai mic\u0103, nu a\u0219a de mare \u0219i cu un volum al creditului bancar mult mai mare dec\u00e2t acum. Poate am fi constatat dob\u00e2nzi mult mai mici ast\u0103zi la creditul bancar. E o problem\u0103 \u0219i de volum \u0219i de felul \u00een care ne dezvolt\u0103m.<\/p>

Noi c\u00e2nd am v\u0103zut c\u0103 am evoluat pozitiv poate c\u0103 ne-am declarat mul\u021bumi\u021bi, dar nu ne imaginam c\u00e2t de departe am fi fost fa\u021b\u0103 de situa\u021bia de acum. Chiar dac\u0103 am crescut\u201d, afirm\u0103 acesta.<\/p>

El mai adaug\u0103 \u0219i c\u0103, \u00een prezent, \u00eenc\u0103 sunt foarte multe companii \u00een Rom\u00e2nia care apeleaz\u0103 la o alt\u0103 form\u0103 de finan\u021bare sau nu au deloc o form\u0103 de finan\u021bare pentru c\u0103, pur \u0219i simplu, nu se folosesc de capacitatea lor de a se \u00eemprumuta.<\/p>

\u201ePercep\u021bia este c\u0103 sistemul bancar are influen\u021b\u0103 asupra \u00eentregii economii \u0219i nu e a\u0219a, pentru c\u0103 o mare parte a economiei nu este inclus\u0103 financiar. Sunt foarte multe companii care nu pot lua sau nu-\u0219i doresc s\u0103 ia un credit de la banc\u0103 \u0219i care apeleaz\u0103 la alt fel de finan\u021b\u0103ri \u00eentotdeauna mult mai mic\u0103 \u0219i mult mai scump\u0103. Motivele pot fi diverse. Poate c\u0103 pur \u0219i simplu transparen\u021ba bancar\u0103 nu e potrivit\u0103 cu felul \u00een care \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea, al\u021bii consider\u0103 c\u0103 e mult prea scump la banc\u0103, birocratic, c\u0103 viteza prin care pot s\u0103 ia un credit nu e satisf\u0103c\u0103toare\u201d, mai spune Florin D\u0103nescu, ad\u0103ug\u00e2nd c\u0103 rela\u021bia dintre b\u0103nci \u0219i popula\u021bie e insuficient de voluminoas\u0103 \u0219i c\u0103 nu are o pondere semnificativ\u0103 astfel \u00eenc\u00e2t Rom\u00e2nia s\u0103 poat\u0103 concura cu celelalte economii.<\/p>

\u201eStatul are o importan\u021b\u0103 extrem de mare, \u00een afar\u0103 de faptul c\u0103 decide. Dar are \u0219i o puternic\u0103 pondere de rela\u021bie partenerial\u0103 cu orice fel de industrie. De la comenzile de stat, p\u00e2n\u0103 la actul legislativ care poate influen\u021ba actul economic. \u0218i aici se \u00eemparte \u00een dou\u0103 componente: rela\u021bia direct\u0103 a b\u0103ncilor cu statul, \u00een sensul c\u0103 b\u0103ncile finan\u021beaz\u0103 statul rom\u00e2n \u00eentr-o propor\u021bie extrem de mare \u0219i asta creeaz\u0103 un parteneriat. \u0218i o alt\u0103 component\u0103 \u2013 de influen\u021b\u0103 prin legi. Dac\u0103 modalitatea de taxare a industriilor nu e cea mai potrivit\u0103 evident c\u0103 industriile respective sunt influen\u021bate puternic. Fiscalitatea ar trebui \u00eemp\u0103r\u021bit\u0103 \u00een a\u0219a fel \u00eenc\u00e2t s\u0103 aib\u0103 un efect neutru \u00eentre industrii sau \u00eentre juc\u0103torii din economie. Exist\u0103 acele ini\u021biative legislative care pe care noi le numim ini\u021biative populiste \u0219i care ofer\u0103 ni\u0219te a\u0219tept\u0103ri nerealiste popula\u021biei, adic\u0103 nu se pot \u00eendeplini, lumea apoi e nemul\u021bumit\u0103 \u00een rela\u021bia cu b\u0103ncile.<\/p>

Sup\u0103rarea cre\u0219te \u0219i se creeaz\u0103 o ruptur\u0103. Aici ar fi nefunc\u021bional\u0103 aceast\u0103 rela\u021bie. Asta produce o rela\u021bie economic\u0103 dificil de dezvoltat \u00een timp, ne\u00eencredere \u00een pia\u021ba liber\u0103 \u0219i duce la incapacitatea unei \u021b\u0103ri de a crea bun\u0103stare, care se creeaz\u0103 numai prin economie, nu prin promisiuni politice\u201d, explic\u0103 D\u0103nescu.<\/p>

El adaug\u0103 c\u0103 frecven\u021ba propunerilor ARB pentru diferite ini\u021biative legislative care s\u0103 ridice economia este foarte mare. Printre propunerile ARB se num\u0103r\u0103 \u0219i utilizarea semn\u0103turii electronice \u0219i a \u00eenscrisurilor \u00een form\u0103 electronic\u0103, dar \u0219i automatizarea procesului de eviden\u021b\u0103 a popula\u021biei.<\/p>

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

Rom\u00e2nia are o cifr\u0103 de 25% intermediere financiar\u0103, care a sc\u0103zut cu 15% din 2010, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). Motivul este legat de reticen\u021ba oamenilor \u00een ceea ce prive\u0219te rela\u021bia cu b\u0103ncile. \u201eDac\u0103 ne uit\u0103m la rolul nostru \u00een […]<\/p>\n","protected":false},"author":3,"featured_media":3681659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3681658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nFlorin D\u0103nescu, pre\u0219edinte executiv ARB: Ne-am dezvoltat, dar ne-am fi putut dezvolta mult mai mult, dac\u0103 am fi evoluat dup\u0103 regulile jocului pie\u021bei libere - 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\" href=\"https:\/\/www.arb.ro\/en\/florin-danescu-presedinte-executiv-arb-ne-am-dezvoltat-dar-ne-am-fi-putut-dezvolta-mult-mai-mult-daca-am-fi-evoluat-dupa-regulile-jocului-pietei-libere\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florin D\u0103nescu, pre\u0219edinte executiv ARB: Ne-am dezvoltat, dar ne-am fi putut dezvolta mult mai mult, dac\u0103 am fi evoluat dup\u0103 regulile jocului pie\u021bei libere - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Rom\u00e2nia are o cifr\u0103 de 25% intermediere financiar\u0103, care a sc\u0103zut cu 15% din 2010, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). 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