{"id":3684901,"date":"2025-06-03T14:12:15","date_gmt":"2025-06-03T11:12:15","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3684901"},"modified":"2025-06-10T14:20:31","modified_gmt":"2025-06-10T11:20:31","slug":"speram-la-cooptarea-industriei-bancare-de-catre-guvern-in-a-gasi-si-implementa-solutii-daca-nu-ne-miscam-asa-cum-trebuie-toti-vom-avea-de-suferit-nu-e-o-solutie-sa-taxam-suplimentar-munca","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/speram-la-cooptarea-industriei-bancare-de-catre-guvern-in-a-gasi-si-implementa-solutii-daca-nu-ne-miscam-asa-cum-trebuie-toti-vom-avea-de-suferit-nu-e-o-solutie-sa-taxam-suplimentar-munca\/","title":{"rendered":"Sper\u0103m la cooptarea industriei bancare de c\u0103tre Guvern \u00een a g\u0103si \u0219i implementa solu\u021bii. Dac\u0103 nu ne mi\u0219c\u0103m a\u0219a cum trebuie, to\u021bi vom avea de suferit. Nu e o solu\u021bie s\u0103 tax\u0103m suplimentar munca"},"content":{"rendered":"
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Rom\u00e2nia are nevoie de stabilitate, reform\u0103 \u0219i unitate \u00een momentul de fa\u021b\u0103, spune la Profit.ro TV, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). <\/strong><\/p>

\u201cV\u0103d economia Rom\u00e2niei ca o mas\u0103 cu trei picioare: statul, popula\u021bia \u0219i companiile. Toate cele trei picioare \u00eenregistreaz\u0103 deficien\u021be, \u00eens\u0103 cele mai mari dezechilibre sunt la stat\u201d, precizeaz\u0103 aceasta.<\/p>

Rom\u00e2nia s-a eviden\u021biat ca fiind statul cu deficitele gemene cele mai ridicate din UE, mai adaug\u0103 Gabriela Folcu\u021b: \u201eM\u0103 refer la deficitul bugetar de aproape 9% \u00een 2024, de\u0219i noi am agreat cu Comisia European\u0103 un plan de reducere gradual\u0103 a deficitului bugetar p\u00e2n\u0103 la un nivel de sub 3%. R\u0103m\u00e2ne de v\u0103zut dac\u0103 anul acesta reu\u0219im s\u0103 ne \u00eencadr\u0103m \u00een \u021binta de 7%.\u201d. Ea aminte\u0219te c\u0103 deficitul de cont curent este unul destul de ridicat din cauza dezechilibrului balan\u021bei comerciale. \u201dAsta pentru c\u0103 import\u0103m mult mai mult decat export\u0103m. \u00cen economia Rom\u00e2niei avem nevoie de ample m\u0103suri de redresare, nu doar de corec\u021bie pe termen scurt, pentru c\u0103 de foarte multe ori \u00een ultimii ani ne-am concentrat pe a corecta ceva \u0219i nu a construi ceea ce este nevoie. Am tratat efectul, nu \u0219i cauza\u201d, arat\u0103 directorul executiv al ARB.<\/p>

Gabriela Folcu\u021b subliniaz\u0103 \u0219i importan\u021ba reducerii economiei gri din Rom\u00e2nia, care are o pondere de circa 26% din PIB, men\u021bion\u00e2nd c\u0103 aici \u201ccel mai mare impact \u00eel are munca la negru\u201d, care nu face dec\u00e2t s\u0103 \u201cacutizeze problemele pe care le au rom\u00e2nii \u00een momentul de fa\u021b\u0103\u201d.<\/p>

\u201cAvem deja un loc neonorant, locul \u00eent\u00e2i \u00een Uniunea European\u0103, din perspectiva ratei de s\u0103r\u0103cie \u0219i excluziune social\u0103 de 32%. Asta \u00eenseamn\u0103 c\u0103 un rom\u00e2n din trei este expus acestui risc de s\u0103r\u0103cie \u0219i excluziune social\u0103\u201d, mai spune aceasta.<\/p>

Ea reaminte\u0219te \u0219i de sc\u0103dere perspectivei de rating a Rom\u00e2niei de la stabil\u0103 la negativ\u0103 \u0219i afirm\u0103 c\u0103 \u201ctrebuie s\u0103 evit\u0103m cu toate for\u021bele s\u0103 fim depuncta\u021bi ca \u021bar\u0103, s\u0103 fie retrogradat ratingul Rom\u00e2niei, pentru c\u0103 altfel consecin\u021bele vor fi extrem de negative\u201d.<\/p>

\u201cRom\u00e2nia are o not\u0103 la purtare, care este ratingul acesta. \u00cen momentul de fa\u021b\u0103, Rom\u00e2nia are un rating BBB minus de la agen\u021biile de rating. Asta \u00eenseamn\u0103 c\u0103 se situeaz\u0103 doar cu o treapt\u0103 deasupra treptei de junk sau de o \u021bar\u0103 nerecomandat\u0103 pentru investi\u021bii. Toate cele trei agen\u021bii de rating au sc\u0103zut perspectiva de rating, de la stabil\u0103 la negativ\u0103, nu rating-ul \u00een sine, ci perspectiva, dar este un prim semnal c\u0103 sunt preg\u0103tite, \u00een cazul \u00een care nu ne disciplin\u0103m, s\u0103 ne scad\u0103 \u0219i rating-ul. Acest rating este nota la purtare \u00een func\u021bie de care Rom\u00e2nia, ca stat, ca popula\u021bie, ca \u0219i companii, reu\u0219e\u0219te s\u0103 atrag\u0103 finan\u021bare\u201d, precizeaz\u0103 Folcu\u021b.<\/p>

Retrogradarea rating-ului, continu\u0103 ea, ar \u00eenseamn\u0103, \u00een primul r\u00e2nd, investi\u021bii mult mai sc\u0103zute. \u00cen acela\u0219i timp, \u00eenseamn\u0103 \u0219i cre\u0219terea costurilor de finan\u021bare pentru statul rom\u00e2n, pentru popula\u021bie, pentru companii.<\/p>

\u201cNoi am avut un progres \u00een ultimii ani \u00een ceea ce prive\u0219te cre\u0219terea indicatorului care m\u0103soar\u0103 bun\u0103starea economic\u0103 individual\u0103, \u00een sensul \u00een care suntem la acela\u0219i nivel cu Polonia \u0219i Estonia.<\/p>

Acest indicator m\u0103surat ca PIB per capita \u00een func\u021bie de paritatea puterii de cump\u0103rare standard a ajuns la 79% din media Uniunii Europene. Surclas\u0103m \u0219ase state \u00een topul Uniunii Europeane.<\/p>

\u00cens\u0103, \u00een situa\u021bia \u00een care se ajunge ca Rom\u00e2nia s\u0103 fie depunctat\u0103, sper s\u0103 nu ajungem \u00een aceast\u0103 situa\u021bie, aceast\u0103 bun\u0103stare va fi afectat\u0103, dob\u00e2nzile vor fi afectate, capacitatea noastr\u0103 de a ne \u00eemprumuta \u0219i de a tr\u0103i \u0219i a dezvolta economia Rom\u00e2niei, toate acestea vor avea de suferit\u201d, subliniaz\u0103 directorul executiv al ARB, care se arat\u0103 optimist\u0103 c\u0103 se vor g\u0103si solu\u021biile necesare astfel \u00eenc\u00e2t Rom\u00e2nia s\u0103 nu fie depunctat\u0103 de c\u0103tre agen\u021biile de rating.<\/p>

Suntem optimi\u0219ti pentru c\u0103 \u00eenc\u0103 sper\u0103m la o cooptare a industriei bancare la a g\u0103si \u0219i implementa solu\u021bii. Sper\u0103m c\u0103 de data asta se va \u00eent\u00e2mpla \u00een sensul \u00een care sunt jaloane care trebuie \u00eendeplinite. Sunt proiecte \u00een PNRR care merg foarte bine, dar sunt \u0219i proiecte care au caren\u021be. Trebuie s\u0103 g\u0103sim oamenii potrivi\u021bi, fie c\u0103 sunt din mediul public sau mediul privat. Trebuie g\u0103sim acel ceva. Avem o lege \u00een ceea ce prive\u0219te parteneriatul public-privat, dar nu este func\u021bional\u0103. Trebuie s\u0103 o facem func\u021bional\u0103. Este momentul T0, \u00een care dac\u0103 nu ne mi\u0219c\u0103m a\u0219a cum trebuie, economia Rom\u00e2niei \u0219i noi to\u021bi vom avea de suferit\u201d, precizeaz\u0103 aceasta.<\/p>

Gabriela Folcu\u021b atrage aten\u021bia \u0219i asupra problemelor demografice din Rom\u00e2nia, men\u021bion\u00e2nd c\u0103 exist\u0103 \u00een continuare o rat\u0103 foarte crescut\u0103 de imigra\u021bie.<\/p>

\u201cO statistic\u0103 ne ar\u0103ta c\u0103 aproape un sfert din for\u021ba de munc\u0103 activ\u0103 a Rom\u00e2nia a emigrat \u00eenainte de pandemie. Lucrurile nu sunt total diferite \u00een momentul de fa\u021b\u0103.<\/p>

Aproape 20% dintre tinerii cu v\u00e2rsta de p\u00e2n\u0103 \u00een 26 de ani nu lucreaz\u0103 sau nu lucreaz\u0103 la vedere, nu sunt cuprin\u0219i formal \u00een c\u00e2mpul muncii \u0219i deja 25 de jude\u021be din 41 au un num\u0103r de pensionari mai mare dec\u00e2t num\u0103rul de angaja\u021bi.<\/p>

Asta ne ridic\u0103 probleme pe termen mediu \u0219i lung cu privire la sustenabilitatea sistemului de pensii. \u00cen c\u00e2mpul muncii avem acum aproximativ 5,1 milioane de salaria\u021bi\u201d, afirm\u0103 aceasta.<\/p>

Dificult\u0103\u021bi se resimt \u0219i \u00een r\u00e2ndul companiilor. O treime dintre companiile din Rom\u00e2nia au capital negativ, ceea ce \u00eenseamn\u0103 c\u0103 nu pot accesa credite sau fonduri europene.<\/p>

\u00cen plus, majoritatea companiilor apeleaz\u0103 mai degrab\u0103 la creditul comercial dec\u00e2t la creditul bancar.<\/p>

\u201cRaportul este de 2 la 1. Asta \u00eenseamn\u0103 c\u0103, \u00een contextul acesta, \u00een care se observ\u0103 deja o cre\u0219tere a ritmului insolven\u021bei de aproape 9% comparativ cu perioada anului de dinainte, ne indic\u0103 un risc mai mare de faliment \u0219i \u00een Rom\u00e2nia cam 90% din firmele care intr\u0103 \u00een insolven\u021b\u0103 ajung \u00een faliment, din p\u0103cate.<\/p>

Sunt \u0219i alte probleme cu care se confrunt\u0103. Avem majoritatea companiilor \u00een categoria celor mici cu maxim un angajat. \u0218i atunci, c\u00e2nd ne facem planul de redresare a economiei Rom\u00e2niei, de impunere a unor taxe impozite sau de reducere a amprentei statului \u00een economie, m\u0103 refer la reforma administrativ\u0103 care este la r\u00e2ndul ei a\u0219teptat\u0103, trebuie s\u0103 avem \u00een vedere \u0219i capacitatea firmelor de a face fa\u021b\u0103 unor eventuale taxe \u0219i impozite\u201d, mai spune Gabriela Folcu\u021b, ad\u0103ug\u00e2nd c\u0103 reforma fiscal\u0103 trebuie s\u0103 \u021bin\u0103 cont \u0219i de capacitatea firmelor \u0219i a popula\u021biei de a suporta noi taxe \u0219i impozite.<\/p>

\u201cSunt foarte multe companii mici care nu pot neap\u0103rat s\u0103 fac\u0103 fa\u021b\u0103 unor eventuale tax\u0103ri majore\u201d, completeaz\u0103 aceasta.<\/p>

A\u0219teptarea sistemului bancar \u0219i a Asocia\u021biei Rom\u00e2ne a B\u0103ncilor este de a fi co-opta\u021bi de c\u0103tre Administra\u021bia Preziden\u021bial\u0103 \u0219i de c\u0103tre Guvernul Rom\u00e2niei \u00een acest proces, de identificare m\u0103surilor pentru a redresa economia Rom\u00e2niei at\u00e2t din perspectiva corec\u021biei deficitelor gemene, dar \u0219i a identific\u0103rii sectoarelor cheie care pot fi dezvoltate cu finan\u021bare bancar\u0103.<\/p>

\u201cNoi avem capacitatea ca sistem bancar s\u0103 mobiliz\u0103m capitalul \u0219i dac\u0103 ne uit\u0103m la cifrele legate de creditare, pe sold, \u00eentr-adev\u0103r, a fost o evolu\u021bie de 9% \u00een aprilie 2025, comparativ cu aprilie 2024, p\u00e2n\u0103 la 425 miliarde lei. \u00cens\u0103, a ne uita strict la soldul creditului neguvernamental, f\u0103r\u0103 s\u0103 lu\u0103m \u00een calcul \u0219i creditarea, volumul de credite noi, este o gre\u0219eal\u0103.<\/p>

Dac\u0103 ne uit\u0103m la volumul creditelor noi, chiar dac\u0103 mai sunt \u0219i refinan\u021b\u0103ri acolo, dar avem 181 de miliarde de lei alocate \u00een 2024. \u0218i analiz\u00e2nd perioada 2020-2024, observ\u0103m c\u0103 volumul de credite noi alocate de b\u0103nci companiilor \u0219i popula\u021biei se cifreaz\u0103 la 624 miliarde lei. Asta ce spune? C\u0103 avem acea capacitate s\u0103 mobiliz\u0103m banii \u00een economie, fie c\u0103 vorbim de creditarea companiilor, creditarea popula\u021biei sau a statului rom\u00e2n.<\/p>

E adev\u0103rat, \u00een ceea ce prive\u0219te creditul guvernamental, sunt destul de expu\u0219i p\u00e2n\u0103 la un prag aproape de maxim de 25%, \u00eens\u0103 se g\u0103sesc resurse s\u0103 finan\u021b\u0103m \u00een continuare \u0219i este nevoie ca industria bancar\u0103, Asocia\u021bia Rom\u00e2n\u0103 a B\u00e2ncilor \u0219i speciali\u0219tii din industria bancar\u0103 s\u0103 fie co-opta\u021bi\u201d, mai spune Gabriela Folcu\u021b, ad\u0103ug\u00e2nd c\u0103 f\u0103r\u0103 finan\u021bare economia nu se redreseaz\u0103.<\/p>

Astfel c\u0103, trebuie identificate acele sectoare cheie de produc\u021bie \u00een economia na\u021bional\u0103, astfel \u00eenc\u00e2t s\u0103 se reduc\u0103 importurile acelor produse care pot fi realizate \u00een Rom\u00e2nia.<\/p>

Directorul executiv al ARB mai spune \u0219i c\u0103 taxarea muncii \u00een Rom\u00e2nia nu este o solu\u021bie pentru redresarea economiei \u0219i reducerea deficitului bugetar.<\/p>

\u201cTaxarea muncii este la un nivel foarte ridicat \u00een Rom\u00e2nia. Nu este o solu\u021bie s\u0103 tax\u0103m suplimentar munca \u00een Rom\u00e2nia. Ponderea este una dintre cele mai ridicate din Uniunea European\u0103, de 41,5%. Trebuie s\u0103 g\u0103sim o solu\u021bie s\u0103 nu punem o presiune \u0219i mai mare pe cei 5 milioane de salaria\u021bi\u201d, afirm\u0103 ea.<\/p>

Un alt risc eviden\u021biat de aceasta este de cre\u0219tere a ratei creditelor neperformante, at\u00e2t pentru popula\u021bie, c\u00e2t \u0219i pentru companii.<\/p>

\u201cDeja, rata creditelor neperformante are o tendin\u021b\u0103 de cre\u0219tere, a ajuns la 2,53% \u00een luna martie fa\u021b\u0103 de un nivel de 2,46% \u00een decembrie 2024\u201d, precizeaz\u0103 Folcu\u021b.<\/p>

\u201c\u0218i infla\u021bia este a\u0219teptat\u0103 s\u0103 creasc\u0103 de la nivelul actual de 4,85% \u00een trimestru II-III, odat\u0103 ce vom avea \u0219i efectul de runda a doua a reformei fiscale, vom vedea \u0219i efectul deprecierii leului \u00een raport cu euro \u00een infla\u021bie c\u00e2t de cur\u00e2nd.<\/p>

\u00cen trimestrul IV vom vedea \u0219i o cre\u0219tere a IRCC-ului din cauza instabilit\u0103\u021bii politice \u0219i guvernamentale prin care am trecut. S\u0103 nu uit\u0103m c\u0103 leul s-a depreciat foarte rapid \u00een raportul cu euro, acum tinde s\u0103-\u0219i revin\u0103, nu \u0219tiu p\u00e2n\u0103 la ce prag.<\/p>

\u0218i dob\u00e2nda a crescut foarte mult, cu peste 1,5 puncte procentuale \u00een 2-3 s\u0103pt\u0103m\u00e2ni. Probabil vom asista la o revenire, nu \u0219tiu dac\u0103 la nivelul respectiv, dar asta \u00eenseamn\u0103 un efort mai mare pentru to\u021bi cei care sunt \u00eemprumuta\u021bi \u00een lei \u00een func\u021bie de ROBOR\u201d, mai spune directorul executiv al ARB.<\/p>

Despre taxarea suplimentar\u0103 a b\u0103ncilor cu 2% din cifr\u0103 de afaceri, Gabriela Folcu\u021b afirm\u0103 c\u0103 \u201care un efect nociv asupra sistemului bancar\u201d.<\/p>

\u201cStatul se bucur\u0103 de ni\u0219te \u00eencas\u0103ri, dar, pe de alt\u0103 parte, trebuie s\u0103 priveasc\u0103 lucrurile altfel. \u00cen sensul \u00een care, de regul\u0103, b\u0103ncile folosesc banii pentru capitalizare. Banii ob\u021binu\u021bi din profit \u00eei recapitalizeaz\u0103. Dac\u0103 recapitalizezi mai pu\u021bin \u00eenseamn\u0103 c\u0103 ai un capital mai mic \u0219i nu po\u021bi s\u0103 oferi credite mai multe economiei na\u021bionale.<\/p>

S\u0103 nu uit\u0103m \u0219i zona b\u0103ncilor mici. Poate unele dintre ele au un profit foarte mic sau nu au profit deloc, dar cu toate acestea tot trebuie s\u0103 pl\u0103teasc\u0103 acei 2% din cifra de afaceri. Or, aceast\u0103 tax\u0103 pune o presiune foarte mare asupra acestor institu\u021bii de credit \u0219i s\u0103 nu ne mire dac\u0103 unele dintre ele ajung s\u0103 ias\u0103 de pe pia\u021ba din Rom\u00e2nia. Nu este o solu\u021bie taxarea celui care este competent \u00een economia na\u021bional\u0103\u201d, atrage aten\u021bia Gabriela Folcu\u021b.<\/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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Profit Live<\/span><\/p>

Sursa: click aici<\/a><\/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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Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA – SUPLIMENT EDUCA\u021aIA \u2013 13 septembrie 2022<\/p>","protected":false},"author":5,"featured_media":3684908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3684901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSper\u0103m la cooptarea industriei bancare de c\u0103tre Guvern \u00een a g\u0103si \u0219i implementa solu\u021bii. Dac\u0103 nu ne mi\u0219c\u0103m a\u0219a cum trebuie, to\u021bi vom avea de suferit. Nu e o solu\u021bie s\u0103 tax\u0103m suplimentar munca - 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\/speram-la-cooptarea-industriei-bancare-de-catre-guvern-in-a-gasi-si-implementa-solutii-daca-nu-ne-miscam-asa-cum-trebuie-toti-vom-avea-de-suferit-nu-e-o-solutie-sa-taxam-suplimentar-munca\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sper\u0103m la cooptarea industriei bancare de c\u0103tre Guvern \u00een a g\u0103si \u0219i implementa solu\u021bii. Dac\u0103 nu ne mi\u0219c\u0103m a\u0219a cum trebuie, to\u021bi vom avea de suferit. 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