{"id":3681697,"date":"2023-12-20T22:06:50","date_gmt":"2023-12-20T20:06:50","guid":{"rendered":"https:\/\/new.arb.ro\/?p=3681697"},"modified":"2024-07-22T16:27:49","modified_gmt":"2024-07-22T13:27:49","slug":"smes-talk-gabriela-folcut-director-executiv-arb-romania-poate-sa-si-atinga-potentialul-de-dezvoltare-economica-prin-credit-aceasta-este-sansa","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-gabriela-folcut-director-executiv-arb-romania-poate-sa-si-atinga-potentialul-de-dezvoltare-economica-prin-credit-aceasta-este-sansa\/","title":{"rendered":"SMEs Talk Gabriela Folcu\u021b, director executiv ARB: Rom\u00e2nia poate s\u0103-\u0219i ating\u0103 poten\u021bialul de dezvoltare economic\u0103 prin credit. Aceasta este \u0219ansa - only in romanian"},"content":{"rendered":"
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\n\t\t\t\t\t\t\t\t\t\"\"<\/strong>\n\nRom\u00e2nia are un poten\u021bial foarte mare de cre\u0219tere \u00een ceea ce prive\u0219te incluziunea financiar\u0103, intermedierea financiar\u0103, dar \u0219i nivelul de educa\u021bie financiar\u0103 al popula\u021biei, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). Dac\u0103 s-ar \u00eenregistra progrese notabile la toate aceste capitole, continu\u0103 ea, atunci ar cre\u0219te bun\u0103starea economic\u0103 individual\u0103 \u0219i, astfel, s-ar asigura acel poten\u021bial de dezvoltare al economiei Rom\u00e2niei, ceea ce ar fi extrem de favorabil.<\/strong>\n\n\"\"\n\n\u201eIntermedierea financiar\u0103 reprezint\u0103 acel credit acordat popula\u021biei \u0219i companiilor raportat la PIB. Din perspectiva aceasta, Rom\u00e2nia se plaseaz\u0103 pe ultimul loc \u00een UE cu doar 25,5%, la mai pu\u021bin de o treime din media UE de 89%\u201d, mai spune aceasta.\n\nEa adaug\u0103 c\u0103 sunt o serie de factori care influen\u021beaz\u0103 aceast\u0103 intermediere financiar\u0103, \u00eens\u0103 atunci c\u00e2nd vorbim despre creditare este relevant volumul creditelor noi.\u00a0\u00a0 \u201eAvem o statistic\u0103 care arat\u0103 faptul c\u0103 \u00een perioada ianuarie 2020-august 2023 volumul de credite noi acordate popula\u021biei \u0219i companiilor s-a cifrat la 410 miliarde lei. Aceast\u0103 cifr\u0103 reprezint\u0103 echivalentul a 29% din PIB-ul aferent anului 2022. Totodat\u0103, aceast\u0103 cifr\u0103 este cu peste 8% mai mare dec\u00e2t soldul creditului neguvernamental raportat la august 2023. Asta arat\u0103 c\u0103 b\u0103ncile finan\u021beaz\u0103 \u00eentr-un ritm sus\u021binut popula\u021bia \u0219i companiile, cu toate c\u0103 anul acesta s-a v\u0103zut o temperare a ritmului de cre\u0219tere. La luna octombrie avem o vitez\u0103 de cre\u0219tere a creditului neguvernamental la nivel de sold de aproximativ 5%. \u00cen 2022 aveam un ritm de cre\u0219tere mult mai alert\u201d, precizeaz\u0103 Gabriela Folcu\u021b. A\u0219adar, continu\u0103 ea, at\u00e2t situa\u021bia macroeconomic\u0103 din plan intern \u0219i interna\u021bional influen\u021beaz\u0103 intermedierea financiar\u0103, c\u00e2t \u0219i situa\u021bia geopolitic\u0103. \u201eDin perspectiva indicatorilor macroeconomici lucrurile sunt destul de clare. Evolu\u021bia economic\u0103 este estimat\u0103 pentru acest an undeva la 2% la nivel na\u021bional, iar pentru anul viitor undeva la 3-3,5%. In ceea ce prive\u0219te deficitele gemene, \u00een continuare Rom\u00e2nia ocup\u0103 un loc neonorant, dar, sper\u0103m c\u0103 pe parcurs le vom putea corecta.\n\nDin perspectiv\u0103 geopolitic\u0103, avem pe de-o parte r\u0103zboiul la grani\u021b\u0103 de aproape 2 ani de zile \u0219i \u00een ultima vreme s-au deschis \u0219i alte focare de conflict la nivel interna\u021bional care nu fac dec\u00e2t s\u0103 pun\u0103 o presiune \u0219i mai mare pe cre\u0219terea economic\u0103 mondial\u0103, european\u0103 \u0219i na\u021bional\u0103. Anticipa\u021biile sunt un pic mai temperate \u00een ceea ce prive\u0219te evolu\u021biile viitoare. Sunt mai multe semne de \u00eentrebare pentru anul 2024 comparativ cu 2023\u201d, explic\u0103 aceasta. Un alt factor care influen\u021beaz\u0103 intermedierea financiar\u0103 este cel legat de stabilitatea sistemului bancar, de lichiditatea acestuia \u0219i, bine\u00een\u021beles, rata de performan\u021b\u0103. \u201eDin aceast\u0103 perspectiv\u0103, \u0219tim cu to\u021bii c\u0103 sistemul bancar este unul solid, stabil, cu un indicator de solvabilitate de peste 22%, adic\u0103 de peste 2 ori \u0219i jum\u0103tate fa\u021b\u0103 de nivelul minim admis. Lichiditatea ne plaseaz\u0103 peste media european\u0103. Avem o capitalizare adecvat\u0103 \u0219i o lichiditate adecvat\u0103, rata creditelor neperformante este \u00een sc\u0103dere, p\u00e2n\u0103 la pragul de 2,61% \u0219i tinde spre media european\u0103 care este de 1,8%. Ca atare lucrurile stau destul de bine\u201d, afirm\u0103 ea. \u0218i cadrul legislativ \u0219i de reglementare influen\u021beaz\u0103 gradul de intermediere financiar\u0103 la nivel na\u021bional, mai spune directorul executiv al ARB. \u201eAici am putea s\u0103 spunem c\u0103 anul 2023 a adus un factor care a impactat capacitatea de creditare \u00een special a b\u0103ncilor mici pentru c\u0103, \u00een momentul \u00een care afect\u0103m capacitatea b\u0103ncilor de a majora \u00een mod constant capitalul social, atunci \u0219i activitatea de creditare are de suferit. Deocamdat\u0103 se va vedea prima dat\u0103 \u00een 2024. Exist\u0103 o corela\u021bie direct\u0103 \u00eentre capitalul unei b\u0103nci \u0219i creditarea pe care o ofer\u0103, o corela\u021bie s\u0103 spunem, de 1 la 10. Dac\u0103 avem 1 leu capital putem s\u0103 acord\u0103m credite de 10 lei. \u00cen mod normal, capitalizarea se poate realiza fie prin reinvestirea profitului \u0219i acest lucru s-a \u00eent\u00e2mplat de foarte multe ori \u00een ultimii ani. Aproximativ 60% din profiturile ob\u021binute de b\u0103nci au fost capitalizate. Mai poate fi capitalizat prin aport direct din partea ac\u021bionarului. \u0218i atunci, \u00een momentul \u00een care vom avea un impact provenit din taxarea cu 2% pe cifra de afaceri, aceast\u0103 cre\u0219tere prin reinvestirea profitului nu va fi la un nivel ca \u0219i p\u00e2n\u0103 acum. Va fi afectat\u0103 aceast\u0103 capacitate de capitalizare suplimentar\u0103 cu impact direct \u00een capacitatea de creditare\u201d, precizeaz\u0103 Gabriela Folcu\u021b.\n\n\u00cen continuare, se mizeaz\u0103 pe o cre\u0219tere mai temperat\u0103 a credit\u0103rii, iar a\u0219tept\u0103rile sunt ca mediul extern \u0219i intern s\u0103 nu afecteze at\u00e2t de mult capacitatea companiilor, dar \u0219i a popula\u021biei de a accesa credite. \u201e\u00cen ceea ce prive\u0219te popula\u021bia, la nivel na\u021bional avem un venit mediu net de 2.770 lei per persoan\u0103 \u0219i avem o rat\u0103 a s\u0103r\u0103ciei de 34,4%, cea mai \u00eenalt\u0103 din UE. Ace\u0219ti indicatori sunt extrem de relevan\u021bi. La nivel na\u021bional deja sunt 25 de jude\u021be din 41 \u00een care num\u0103rul de pensionari este mai mare dec\u00e2t num\u0103rul de angaja\u021bi. Sunt elemente de care trebuie s\u0103 \u021binem cont \u00een momentul \u00een care calcul\u0103m modul \u00een care vrem s\u0103 avans\u0103m pe zona de creditare\u201d, mai spune aceasta, ad\u0103ug\u00e2nd c\u0103 Rom\u00e2nia poate s\u0103-\u0219i ating\u0103 poten\u021bialul de dezvoltare economic\u0103 prin credit. \u201eAceasta este \u0219ansa. Desigur, mai sunt fondurile europene, mai este PNRR, dar acolo depinde de capacitatea noastr\u0103 de a atrage acele fonduri. \u00cen rest r\u0103m\u00e2ne aceast\u0103 miz\u0103 extrem de important\u0103 \u2013 cre\u0219terea prin activitatea aceasta de creditare. Din p\u0103cate, dac\u0103 mergem pe zona companiilor, am observat c\u0103 ei mizeaz\u0103 \u00een mod special pe atragerea de bani de la ac\u021bionari \u0219i totodat\u0103 de fonduri prin creditul comercial. Creditul comercial ocup\u0103 o pondere cam de 13% \u00een bilan\u021bul companiilor, mai mare dec\u00e2t creditul bancar\u201d, afirm\u0103 ea. \u201eTrebuie con\u0219tientizat la nivel na\u021bional care sunt costurile pe care le implic\u0103 creditul comercial \u0219i bine\u00een\u021beles s\u0103 cre\u0219tem acel nivel de preg\u0103tire antreprenorial\u0103. Cam 30% din toate companiile din Rom\u00e2nia au capital negativ \u0219i atunci r\u0103m\u00e2ne o mic\u0103 pondere a celor care au capacitate s\u0103 ia un credit cu adev\u0103rat \u00een condi\u021bii rentabile mai ales c\u0103 multe companii sunt mici \u0219i au un singur angajat \u0219i nu cred c\u0103 inten\u021bioneaz\u0103 s\u0103 acceseze un credit\u201d, subliniaz\u0103 Gabriela Folcu\u021b. \u201eCapitalizarea \u00een momentul de fa\u021b\u0103 \u00a0este foarte bun\u0103, dar va exista un impact pe capitalizarea profitului \u00een viitor \u0219i se va vedea \u00een 2024 \u0219i 2025. Adic\u0103 se va capitaliza un profit mai mic. Avem o a doua resurs\u0103 care se refer\u0103 la atragerea de depozite pentru a fi direc\u021bionate mai apoi \u00een activitatea de creditare \u0219i o a treia \u2013 capacitatea clien\u021bilor de a se \u00eemprumuta. Toate aceste elemente trebuie discutate \u00eempreun\u0103 pentru a vedea ce \u0219anse avem s\u0103 cre\u0219tem creditarea \u0219i cu c\u00e2t \u00een 2024, mai ales c\u0103 semnalul reducerii dob\u00e2nzilor \u00eenc\u0103 se las\u0103 a\u0219teptat. Avem infla\u021bie care a intrat deja sub 7%, ceea ce este extrem de benefic, \u00eens\u0103, se a\u0219teapt\u0103 ca \u00een trimestrul I 2024, din cauza efectelor m\u0103surilor fiscale, s\u0103 vedem o inversare de trend \u00een ceea ce prive\u0219te infla\u021bia \u0219i asta \u00eenseamn\u0103 c\u0103 mai este un pic de a\u0219teptat p\u00e2n\u0103 c\u00e2nd banca central\u0103 va putea s\u0103 decid\u0103 o reducere a dob\u00e2nzii de politic\u0103 monetar\u0103\u201d, explic\u0103 directorul executiv al ARB. \u00cen ceea ce prive\u0219te nivelul de incluziune financiar\u0103, adic\u0103 de\u021binerea de conturi curente a popula\u021biei, Rom\u00e2nia este pe ultimul loc \u00een UE, cu 69%. \u00cens\u0103, nivelul de incluziune financiar\u0103 a avansat \u00een ultimii 10 ani destul de mult. \u201ePrimul factor care influen\u021beaz\u0103 incluziunea financiar\u0103 este nivelul de educa\u021bie financiar\u0103, fiind urmat de gradul de s\u0103r\u0103cie \u0219i excluziune social\u0103, de \u00eencredere \u0219i de dorin\u021ba de a nu avea un cont curent, dorin\u021ba de a nu fi urm\u0103rite veniturile. La capitolul educa\u021bie financiar\u0103, Rom\u00e2nia a \u00eenregistrat ni\u0219te progrese sesizabile. Sunt eforturi care se depun deja de un deceniu. Din perspectiva scorului de alfabetizare financiar\u0103 at\u00e2t \u00een studiul OECD, c\u00e2t \u0219i \u00een studiul realizat de Comisia European\u0103, Rom\u00e2nia nu se mai situeaz\u0103 pe ultimul loc\u201d, mai spune aceasta. Studiul OECD arat\u0103 c\u0103 scorul de alfabetizare la nivel na\u021bional este de 11,2, mai bun dec\u00e2t are Italia spre exemplu. Iar studiul Comisiei Europene, care cuprinde gradul de cuno\u0219tin\u021be financiare \u0219i comportamentul, plaseaz\u0103 Rom\u00e2nia pe locul 3 la finele clasamentului.\u00a0 \u201eSunt progrese care trebuie remarcate pentru c\u0103 se fac aceste demersuri la nivel na\u021bional. \u00cen cur\u00e2nd, vom avea \u0219i o strategie aprobat\u0103 la nivel na\u021bional de educa\u021bie financiar\u0103. Aceasta s-a aflat \u00een consultare public\u0103 \u00een trimestrul IV din 2023 \u0219i sper eu c\u0103 \u00een trimestru I din 2024 s\u0103 o avem aprobat\u0103 \u0219i s\u0103 putem s\u0103 o implement\u0103m\u201d, completeaz\u0103 Gabriela Folcu\u021b. Gradul de s\u0103r\u0103cie \u0219i excluziune social\u0103 influen\u021beaz\u0103 cu adev\u0103rat dorin\u021ba de a avea un cont \u0219i din perspectiva veniturilor pe care le are o astfel de persoan\u0103, adaug\u0103 ea. Rom\u00e2nia se afl\u0103 pe primul loc \u00een ceea ce prive\u0219te gradul de s\u0103r\u0103cie, cu 34,4%, fa\u021b\u0103 de o medie european\u0103 de 21,6%. \u201eCu toate acestea, la nivel na\u021bional s-au \u00eenregistrat progrese \u00een ceea ce prive\u0219te bun\u0103starea economic\u0103 individual\u0103, m\u0103surat\u0103 ca PIB per capita exprimat\u0103 \u00een paritatea puterii de cump\u0103rare. Suntem undeva la 77% din media UE \u0219i acest progres este undeva de 7 puncte procentuale comparativ cu perioada de dinainte de pandemie. \u00cen ceea ce prive\u0219te dorin\u021ba de a nu de\u021bine conturi curente, un studiu realizat de PwC arat\u0103 c\u0103 ponderea economiei gri \u00een PIB este de 24%. \u0218i ultimul indicator care influen\u021beaz\u0103 incluziunea financiar\u0103 este \u00eencrederea. \u0218i pornim de la nivelul de educa\u021bie pe care \u00eel avem noi rom\u00e2nii la modul general. Vedem rezultatele PISA care ne arat\u0103 un analfabetism func\u021bional de 42%\u201d, mai spune aceasta. Gabriela Folcu\u021b consider\u0103 c\u0103 \u0219i experien\u021ba personal\u0103 este unul dintre factorii care influen\u021beaz\u0103 gradul de incluziune financiar\u0103. \u201eDac\u0103 ai o experien\u021b\u0103 personal\u0103 pozitiv\u0103 e\u0219ti dispus s\u0103 accesezi c\u00e2t mai multe produse din zona bancar\u0103, din pia\u021ba de asigur\u0103ri etc.\u201d, puncteaz\u0103 ea. \u201eDin perspectiva educa\u021biei financiare vedem progrese, nu sunt notabile, \u00eens\u0103 progresele notabile cu adev\u0103rat se vor vedea \u00een 10-15 ani\u201d, mai spune aceasta.\n\nSursa:\u00a0aici<\/a>\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Rom\u00e2nia are un poten\u021bial foarte mare de cre\u0219tere \u00een ceea ce prive\u0219te incluziunea financiar\u0103, intermedierea financiar\u0103, dar \u0219i nivelul de educa\u021bie financiar\u0103 al popula\u021biei, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). Dac\u0103 s-ar \u00eenregistra progrese notabile la toate aceste capitole, continu\u0103 ea, […]<\/p>\n","protected":false},"author":3,"featured_media":3681698,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3681697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Gabriela Folcu\u021b, director executiv ARB: Rom\u00e2nia poate s\u0103-\u0219i ating\u0103 poten\u021bialul de dezvoltare economic\u0103 prin credit. Aceasta este \u0219ansa - 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\/smes-talk-gabriela-folcut-director-executiv-arb-romania-poate-sa-si-atinga-potentialul-de-dezvoltare-economica-prin-credit-aceasta-este-sansa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Talk Gabriela Folcu\u021b, director executiv ARB: Rom\u00e2nia poate s\u0103-\u0219i ating\u0103 poten\u021bialul de dezvoltare economic\u0103 prin credit. 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