{"id":3685322,"date":"2025-10-02T14:36:27","date_gmt":"2025-10-02T11:36:27","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3685322"},"modified":"2025-10-02T14:43:22","modified_gmt":"2025-10-02T11:43:22","slug":"cu-o-intermediere-financiara-de-doar-23-romania-nu-are-cum-sa-ajunga-la-convergenta-economica-cu-europa-urgenta-cum-cresti-capacitatea-statului-de-a-se-finanta-legal-coerent-plenar","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/cu-o-intermediere-financiara-de-doar-23-romania-nu-are-cum-sa-ajunga-la-convergenta-economica-cu-europa-urgenta-cum-cresti-capacitatea-statului-de-a-se-finanta-legal-coerent-plenar\/","title":{"rendered":"Cu o intermediere financiar\u0103 de doar 23%, Rom\u00e2nia nu are cum s\u0103 ajung\u0103 la convergen\u021b\u0103 economic\u0103 cu Europa. Urgen\u021ba \u2013 Cum cre\u0219ti capacitatea statului de a se finan\u021ba legal, coerent, plenar"},"content":{"rendered":"
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Rom\u00e2nia r\u0103m\u00e2ne una dintre economiile europene cu cea mai sc\u0103zut\u0103 intermediere financiar\u0103, ceea ce \u00eengreuneaz\u0103 considerabil procesul de dezvoltare \u0219i convergen\u021b\u0103 cu statele occidentale. \u00cen timp ce media european\u0103 a creditelor acordate popula\u021biei \u0219i companiilor raportat la PIB este de 77%, Rom\u00e2nia se afl\u0103 la numai 23%.<\/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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Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), avertizeaz\u0103 c\u0103 aceast\u0103 situa\u021bie afecteaz\u0103 capacitatea \u021b\u0103rii de a-\u0219i sus\u021bine cre\u0219terea economic\u0103 \u0219i de a oferi perspective reale pentru popula\u021bie \u0219i companii. \u00cen cadrul emisiunii Profit Live, el a subliniat \u0219i problemele structurale ale economiei, de la nivelul redus de colectare a taxelor p\u00e2n\u0103 la dificult\u0103\u021bile IMM-urilor \u00een a accesa finan\u021bare, ar\u0103t\u00e2nd c\u0103 solu\u021biile nu pot fi g\u0103site prin m\u0103suri politice de moment, ci printr-o abordare pe termen lung, bazat\u0103 pe educa\u021bie financiar\u0103, transparen\u021b\u0103 \u0219i investi\u021bii. \u201eNoi suntem un barometru pentru c\u0103 avem \u00een bilan\u021burile noastre, b\u0103ncile din Rom\u00e2nia \u0219i de oriunde, toate comportamentele dintr-o economie. Statul, popula\u021bia, companiile, nu neap\u0103rat \u00een ordine asta, sunt clien\u021bii b\u0103ncilor. Iar bancherii au ca meserie, ca educa\u021bie, nu numai s\u0103 monitorizeze evolu\u021bia economic\u0103 a clien\u021bilor s\u0103i, ci \u0219i s\u0103 \u00een\u021beleag\u0103, sub percep\u021bia de risc, care este baza economiei de bancher, cum evolueaz\u0103 economia pe tronsoanele astea \u2013 popula\u021bie, companii, stat, industrii. B\u0103ncile \u0219i bancherii sunt o surs\u0103 economic\u0103 foarte valoroas\u0103 pentru a \u00een\u021belege dinamica economic\u0103 a unei \u021b\u0103ri, oriunde\u201d, a declarat Florin D\u0103nescu, pre\u0219edinte executiv al ARB, la emisiunea Profit Live, realizat\u0103 pe Prima News TV de Profit.ro, de luni p\u00e2n\u0103 joi, de la ora 11.00. El a explicat c\u0103 schimb\u0103rile \u00een economie nu pot ap\u0103rea peste noapte, pentru c\u0103 multe dintre cauze reclam\u0103 solu\u021bii pe termen lung. Rom\u00e2nia a am\u00e2nat constant adoptarea acestora, prefer\u00e2nd m\u0103suri pe termen scurt, de natur\u0103 mai degrab\u0103 politic\u0103 dec\u00e2t economic\u0103. D\u0103nescu a insistat c\u0103 educa\u021bia financiar\u0103 sau cre\u0219terea gradului de intermediere nu sunt procese care s\u0103 produc\u0103 efecte rapide, ci necesit\u0103 timp, consisten\u021b\u0103 \u0219i politici coerente. \u201eNu pot fi implementate azi \u0219i s\u0103 dea rezultate m\u00e2ine. Nu po\u021bi s\u0103 spui c\u0103 educa\u021bia financiar\u0103 \u00ee\u0219i poate ar\u0103ta efectele peste noapte. Dificultatea sau situa\u021bia noastr\u0103 dificil\u0103 vine din faptul c\u0103 le-am am\u00e2nat mereu, noi ca \u021bar\u0103, nu neap\u0103rat la educa\u021bia financiar\u0103 pentru b\u0103nci, unde ne-am luat de mult s\u0103 facem lucrul acesta. Aceste solu\u021bii pe termen lung au fost mereu respinse sau \u00een favoarea solu\u021biilor pe termen scurt, care sunt mai degrab\u0103 politice \u0219i nu \u00eentotdeauna economice\u201d, a subliniat D\u0103nescu.<\/p>\n

Un punct central al discu\u021biei a fost nivelul foarte redus al intermedierii financiare din Rom\u00e2nia. Dac\u0103 \u00een Uniunea European\u0103 creditele acordate popula\u021biei \u0219i companiilor reprezint\u0103, \u00een medie, 77% din PIB, \u00een Rom\u00e2nia acest raport este sub 23%. Situa\u021bia devine \u0219i mai relevant\u0103 atunci c\u00e2nd se face compara\u021bia cu state ca Polonia sau cu \u021b\u0103rile dezvoltate, unde nivelul dep\u0103\u0219e\u0219te chiar 100%. \u201eDe ce ar fi relevant lucrul acesta \u0219i de ce este r\u0103u c\u0103 noi avem o cifr\u0103 mic\u0103, deci \u00eenc\u0103 o dat\u0103, credite supra PIB reprezent\u00e2nd \u00een Rom\u00e2nia actualmente sub 23%? Foarte mul\u021bi profesori sau antreprenori cu care \u021bin cursuri sunt surprin\u0219i. \u00centotdeauna li se pare aceast\u0103 cifr\u0103 foarte mare. Se schimb\u0103 lucrurile c\u00e2nd facem compara\u021bie cu media european\u0103, care e undeva la 77%\u201d, a spus pre\u0219edintele ARB. El a ar\u0103tat c\u0103, pentru Rom\u00e2nia, problema este chiar mai grav\u0103 dec\u00e2t pentru alte state, pentru c\u0103 economia local\u0103 nu are acumul\u0103ri istorice de capital. Dup\u0103 decenii de comunism, \u021bara a pornit cu un deficit major de resurse, ceea ce face creditarea extern\u0103 \u0219i mai necesar\u0103. D\u0103nescu a explicat c\u0103, dac\u0103 Rom\u00e2nia dore\u0219te convergen\u021ba cu economiile dezvoltate, nu poate evita un nivel semnificativ mai mare al finan\u021b\u0103rii prin credite, pentru investi\u021bii \u00een utilaje, tehnologie \u0219i inova\u021bie.<\/p>\n

\u201e\u00cen concluzie, nevoia Rom\u00e2niei de finan\u021bare din exterior, pentru c\u0103 nu de\u021bine acele sume, e \u0219i mai mare comparabil cu \u021b\u0103rile europene. Cu 23% finan\u021bare a PIB-ului prin credit bancar, comparabil cu \u021b\u0103rile care fac asta la nivel de medie de 77%, Polonia, \u021b\u0103rile dezvoltate dep\u0103\u0219esc 100%. Este foarte greu s\u0103 ajungi la aceast\u0103 convergen\u021b\u0103 nefinan\u021b\u00e2nd o dezvoltare economic\u0103 \u2013 utilaje, tehnologie, inova\u021bie \u0219i a\u0219a mai departe. De aceea acest indicator este determinant pentru aceast\u0103 convergen\u021b\u0103 economic\u0103\u201d, a spus D\u0103nescu.<\/p>\n

Un alt capitol critic este colectarea redus\u0103 de taxe \u0219i impozite. Rom\u00e2nia colecteaz\u0103 doar 27% din PIB, fa\u021b\u0103 de o medie european\u0103 de aproape 40%. Diferen\u021ba afecteaz\u0103 capacitatea statului de a finan\u021ba infrastructura sau politicile sociale. \u00cen timp ce cerin\u021bele societ\u0103\u021bii cresc, resursele r\u0103m\u00e2n limitate, iar politicienii prefer\u0103 s\u0103 men\u021bin\u0103 un discurs populist, evit\u00e2nd confruntarea cu realit\u0103\u021bile economice. \u201eNoi colect\u0103m aproximativ 27% din produsul intern brut, comparabil cu Bulgaria, care se duce la 35%, media european\u0103 se duce undeva spre 40%. Nivelul de dezvoltare al Rom\u00e2niei fiind mai sc\u0103zut, cererea este \u0219i mai mare de a contribui, de a avea un stat, mult\u0103 lume spune, social. De unde, dac\u0103 ai colectarea mai mic\u0103 \u00eentr-o propor\u021bie mult mai mic\u0103 dec\u00e2t media european\u0103?\u201d, a punctat \u0219eful ARB. El a analizat \u0219i contribu\u021bia companiilor la economie \u0219i bugetul de stat. IMM-urile, care reprezint\u0103 99,8% din num\u0103rul de firme, genereaz\u0103 60% din valoarea ad\u0103ugat\u0103 la PIB, dar aduc doar 30% din veniturile fiscale. \u00cen schimb, marile companii, care reprezint\u0103 doar 0,2% din total, produc 40% din PIB, contribuie cu 70% la veniturile fiscale \u0219i angajeaz\u0103 1,8 milioane de salaria\u021bi, pl\u0103ti\u021bi cu cele mai mari salarii din economie. \u201e0,2% genereaz\u0103 40% din valoarea ad\u0103ugat\u0103 la produsul intern brut, contribuie cu 70% la veniturile fiscale \u0219i angajeaz\u0103 35% din salaria\u021bi, 1,8 milioane. Ace\u0219ti salaria\u021bi de la firmele mari sunt cei care au salarii mari. Totu\u0219i e greu s\u0103 te ui\u021bi \u00een realitate, pentru c\u0103 statistica noastr\u0103 nu con\u021bine mereu adev\u0103ruri\u201d, a explicat D\u0103nescu.<\/p>\n

La IMM-uri, \u00een schimb, problemele sunt mult mai evidente. Dincolo de productivitatea redus\u0103 \u2013 aproximativ 27.000 euro pe salariat pe an, fa\u021b\u0103 de media european\u0103 de 55.000 euro \u2013 multe companii func\u021bioneaz\u0103 pe pierdere. Potrivit datelor citate de D\u0103nescu, circa 30% dintre firme au pierderi constante de 10 ani, ceea ce \u00eenseamn\u0103 capitaluri negative \u0219i, implicit, lipsa accesului la finan\u021bare bancar\u0103. \u201e30% din companiile din Rom\u00e2nia au, \u00een medie, de 10 ani pierderi \u0219i deci capitaluri negative, c\u00e2nd tu prin lege nu prea ai voie s\u0103 stai sub capitalul minim reglementat. Necazul e c\u0103 nu au acces la finan\u021bare aceste companii. \u0218i dac\u0103 m\u00e2ine cultura asta p\u0103c\u0103toas\u0103 \u00een a nu te finan\u021ba, ce am \u00eenv\u0103\u021bat noi de la bunici \u2013 \u00eentinde-te c\u00e2t \u021bi-e plapuma \u2013 asta este un sfat foarte bun, dar nu pentru antreprenori. Un antreprenor \u00eenseamn\u0103 altceva\u201d, a avertizat el. \u00cen viziunea sa, f\u0103r\u0103 contabilitate transparent\u0103, profit \u0219i randament, nicio companie nu poate fi creditat\u0103. Lipsa accesului la finan\u021bare \u00eempinge firmele spre zona gri sau chiar neagr\u0103 a economiei, cu efecte negative pentru \u00eentreaga societate. Doar prin investi\u021bii, crearea de locuri de munc\u0103 mai bine pl\u0103tite \u0219i cre\u0219terea gradului de colectare fiscal\u0103 se poate asigura convergen\u021ba real\u0103 cu statele dezvoltate. \u201eO companie care nu are o eviden\u021b\u0103 contabil\u0103 transparent\u0103, care nu are un comportament la vedere fa\u021b\u0103 de fisc, care nu are profit, nu va putea fi niciodat\u0103 creditabil\u0103. De multe ori se duc \u00een direc\u021bii de pie\u021be negre, de finan\u021bare, nu mai spunem ce complica\u021bii creeaz\u0103 lucrul acesta.<\/p>\n

C\u00e2t timp noi nu vom cre\u0219te aceast\u0103 autostrad\u0103 care creeaz\u0103 \u0219i colectare pentru stat, creeaz\u0103 \u0219i bun\u0103stare pentru societate, creeaz\u0103 locuri de munc\u0103, creeaz\u0103 salarii mai bune, s\u0103 ie\u0219im din politica asta \u00een care acord\u0103m mereu salariul minim pe economie\u201d, a precizat Florin D\u0103nescu.<\/p>\n

Acesta a mai explicat \u0219i c\u0103 exist\u0103 o percep\u021bie eronat\u0103 \u00een societate legat\u0103 de preferin\u021ba institu\u021biilor bancare de a credita statul \u00een locul companiilor \u0219i popula\u021biei. Potrivit acestuia, mitul potrivit c\u0103ruia b\u0103ncile aleg s\u0103 finan\u021beze statul pentru c\u0103 este mai simplu \u0219i mai sigur nu reflect\u0103 realitatea complet\u0103 a pie\u021bei. De\u0219i este adev\u0103rat c\u0103 titlurile de stat implic\u0103 un risc mai redus, \u00een mod normal randamentele acestora ar trebui s\u0103 fie la nivelul minim dintr-o economie. \u00cen schimb, creditele acordate companiilor \u0219i popula\u021biei pot genera randamente superioare, dar \u0219i riscuri mai ridicate.<\/p>

\u201eExist\u0103 un mit \u00een care se spune foarte u\u0219or \u0219i foarte neadev\u0103rat c\u0103 b\u0103ncile prefer\u0103 s\u0103 crediteze statul pentru c\u0103 este mai ieftin, adic\u0103 opera\u021biuni mai pu\u021bine, costuri mai mici, riscuri mai mici. Aici ar trebui ad\u0103ugat c\u0103 \u00eentr-o economie normal\u0103, randamentul titlurilor de stat, de exemplu, ar trebui s\u0103 fie randamentul minim dintr-o economie. Adic\u0103 b\u0103ncile, dac\u0103 ar credita, ar credita cu un profit mai bun. Dar e adev\u0103rat c\u0103 ar avea \u0219i riscuri mai mari, dac\u0103 ar credita popula\u021bia \u0219i companiile\u201d, a declarat Florin D\u0103nescu. El a subliniat c\u0103 Rom\u00e2nia se afl\u0103 \u00eentr-o situa\u021bie solid\u0103 din punct de vedere al stabilit\u0103\u021bii sistemului bancar, lucru confirmat inclusiv de agen\u021biile interna\u021bionale de rating.<\/p>\n

Totu\u0219i, exist\u0103 \u0219i o fa\u021b\u0103 mai pu\u021bin favorabil\u0103 a acestei imagini: nivelul ridicat de lichiditate din pia\u021b\u0103. Faptul c\u0103 b\u0103ncile dispun de foarte multe resurse pe care nu le pot aloca productiv \u00een economie indic\u0103 o problem\u0103 structural\u0103, respectiv limitarea cererii bancabile. At\u00e2t popula\u021bia, c\u00e2t \u0219i companiile eligibile pentru finan\u021bare \u0219i-au atins \u00een mare parte poten\u021bialul actual de creditare, ceea ce face dificil\u0103 transformarea surplusului de lichiditate \u00een investi\u021bii generatoare de plus-valoare. \u201e\u00cen concluzie, oric\u00e2t de mul\u021bi bani am da statului rom\u00e2n, tot am r\u0103mas cu o lichiditate, cu un surplus de resurse, pentru c\u0103 nu avem unde s\u0103-l atribuim, unde s\u0103-l aloc\u0103m constructiv-productiv. Pentru c\u0103 cererea, de fapt, \u0219i-a cam atins limitele \u00een Rom\u00e2nia, cererea bancabil\u0103, firme care pot apela la b\u0103nci pentru a se finan\u021ba. De asemenea \u0219i popula\u021bia, \u00eentr-o bun\u0103 m\u0103sur\u0103\u201d, a precizat Florin D\u0103nescu.<\/p>\n

\u00cen acest context, solu\u021bia ar trebui s\u0103 vin\u0103 din politici economice care s\u0103 sus\u021bin\u0103 dezvoltarea de companii performante, capabile s\u0103 atrag\u0103 finan\u021bare \u0219i s\u0103 foloseasc\u0103 eficient resursele disponibile. Liderul ARB atrage aten\u021bia c\u0103, \u00een lipsa unor astfel de m\u0103suri, Rom\u00e2nia risc\u0103 s\u0103 r\u0103m\u00e2n\u0103 blocat\u0103 \u00eentr-o economie cu un poten\u021bial redus de cre\u0219tere, f\u0103r\u0103 o convergen\u021b\u0103 real\u0103 cu statele dezvoltate din Uniunea European\u0103. \u201eDac\u0103 limitele de finan\u021bare au fost atinse, asta \u00eenseamn\u0103 c\u0103 trebuie s\u0103 te duci la cauzele alea greu de rezolvat, de eliminat. Care \u00eenseamn\u0103 ce? S\u0103 creezi companii mai performante \u00een Rom\u00e2nia. Cum po\u021bi s\u0103 faci asta? \u00cen primul r\u00e2nd, \u00eentrebarea este: avem ni\u0219te politici economice care s\u0103 adreseze aceast\u0103 problem\u0103? Nu. M\u0103 \u00eentrebai c\u00e2nd vom ajunge la o convergen\u021b\u0103. P\u0103i c\u00e2nd politicienii no\u0219tri vor vorbi despre economie \u0219i nu despre altceva dec\u00e2t economia. \u0218i despre economie. Economia r\u0103m\u00e2ne instrumentul cu care politicienii \u00ee\u0219i \u021bin cuv\u00e2ntul\u201d, a subliniat pre\u0219edintele executiv al ARB.<\/p>\n

Acesta a ad\u0103ugat c\u0103, la nivel global, exist\u0103 dou\u0103 tendin\u021be \u00eengrijor\u0103toare care se suprapun \u0219i pun presiune asupra democra\u021biilor: cre\u0219terea decalajelor de avere \u0219i cre\u0219terea decalajelor de educa\u021bie. \u00cen opinia sa, sc\u0103derea nivelului educa\u021bional poate afecta \u00eens\u0103\u0219i calitatea procesului democratic, \u00eentruc\u00e2t alegerile risc\u0103 s\u0103 nu mai fie bazate pe o \u00een\u021belegere real\u0103 \u0219i responsabil\u0103 a problemelor economice \u0219i sociale. \u201eAst\u0103zi, \u00een toate camerele, mai mari sau mai mici, se discut\u0103 de suprapunerea a dou\u0103 trenduri foarte periculoase pentru democra\u021biile de la nivel mondial, sau pentru democra\u021bie \u00een sine. Suprapunerea cre\u0219terii decalajelor dintre avu\u021bii, care creeaz\u0103 foarte mult\u0103 nelini\u0219te, nemul\u021bumire, dar \u0219i suprapunerea cu cre\u0219terea decalajului de educa\u021bie. Democra\u021bia \u00eenseamn\u0103 c\u0103 majoritatea alege la un moment dat. Dac\u0103 educa\u021bia scade, alegerea nu mai poate fi o alegere educat\u0103\u201d, a afirmat Florin D\u0103nescu.<\/p>\n

Pe tema impozit\u0103rii, reprezentantul ARB a ar\u0103tat c\u0103 b\u0103ncile se afl\u0103 \u00eentr-o pozi\u021bie dificil\u0103, fiind supuse unei presiuni fiscale mult mai mari dec\u00e2t alte industrii. \u00cen prezent, impozitarea cumulat\u0103 a sectorului bancar ajunge la o medie de 32%, dar \u00een cazul institu\u021biilor de dimensiuni mici \u0219i medii poate dep\u0103\u0219i chiar 70-80%. \u00cen schimb, \u00een alte sectoare nivelul efectiv de impozitare se situeaz\u0103 \u00een jurul a 7-8%, ceea ce creeaz\u0103 o diferen\u021b\u0103 semnificativ\u0103 \u0219i afecteaz\u0103 concuren\u021ba. \u201eSuntem cumva \u00eentr-un cle\u0219te \u00een momentul de fa\u021b\u0103, oric\u00e2t de stabile \u0219i profitabile par s\u0103 fie, suntem \u00eentr-un cle\u0219te, \u00een sensul c\u0103 cre\u0219terea acestor taxe \u00een mod semnificativ este p\u0103cat c\u0103 foarte pu\u021bin\u0103 lume cunoa\u0219te sau foarte pu\u021bin se discut\u0103 sau se recunoa\u0219te contribu\u021bia b\u0103ncilor \u0219i \u00een aceast\u0103 perioad\u0103, apropo de solidaritate. Da, noi am \u00eenceput contribu\u021bia foarte mult din pandemie \u0219i atunci nu era clar, lumea spunea ce mare lucru s\u0103 am\u00e2n ratele. \u0218i noi am demonstrat c\u0103 \u00eenseamn\u0103 oprirea produc\u021biei\u201d, a subliniat D\u0103nescu. El a avertizat c\u0103 nivelul ridicat al fiscalit\u0103\u021bii din sectorul bancar se reflect\u0103 inevitabil \u00een costul credit\u0103rii. Dac\u0103 b\u0103ncile sunt taxate mult mai dur comparativ cu alte industrii, atunci pre\u021bul finan\u021b\u0103rii pentru popula\u021bie \u0219i companii devine mai ridicat, iar accesul la credite poate fi restric\u021bionat. \u00cen plus, presiunea generat\u0103 de taxe suplimentare, precum majorarea TVA sau alte m\u0103suri fiscale, afecteaz\u0103 \u00eentreaga economie \u0219i se transfer\u0103 indirect asupra sectorului bancar prin cre\u0219terea creditelor neperformante. \u201eAceast\u0103 diferen\u021biere cumva ne p\u0103c\u0103le\u0219te. Se spune: b\u0103ncile au fost taxate, noi am sc\u0103pat. Dar \u00een realitate creditarea este mai scump\u0103 sau mai pu\u021bin\u0103, c\u0103 nu e vorba numai de scumpirea unui pre\u021b.<\/p>\n

Noi vom suporta \u0219i impactul cre\u0219terii neperforman\u021bei. Faptul c\u0103 presiunea \u0219i sarcina este mai mare pe popula\u021bie \u0219i pe companii, datorit\u0103 cre\u0219terii TVA \u0219i a\u0219a mai departe, evident c\u0103 ne va afecta \u0219i \u00een alt\u0103 form\u0103 pe noi, b\u0103ncile, \u00een sensul \u00een care va cre\u0219te neperforman\u021ba\u201d, a atras aten\u021bia \u0219eful ARB.<\/p>\n

Un alt punct sensibil \u00eel reprezint\u0103 creditele garantate de stat, \u00een special cele acordate IMM-urilor \u00een timpul pandemiei prin programele de sus\u021binere. \u00cen opinia lui D\u0103nescu, de\u0219i aceste instrumente au facilitat accesul la finan\u021bare, ele ascund un risc major: \u00een cazul \u00een care firmele nu \u00ee\u0219i ramburseaz\u0103 datoriile, pierderea se transfer\u0103 c\u0103tre stat \u0219i, implicit, c\u0103tre contribuabili. \u201eDeci economia nu te iart\u0103, exact ce spuneam. Dac\u0103 \u021bi se pare c\u0103 ai sc\u0103pat de o sarcin\u0103, de fapt ea se \u00eentoarce \u00eempotriva ta. Dac\u0103 nu o tratezi egal \u0219i dup\u0103 principiile economice, vei pl\u0103ti de fapt\u201d, a spus Florin D\u0103nescu. \u00cen ceea ce prive\u0219te perspectivele pe termen mediu, acesta a explicat c\u0103 sistemul bancar rom\u00e2nesc r\u0103m\u00e2ne solid, \u00eens\u0103 risc\u0103 s\u0103 fie blocat \u00eentr-o stagnare. Dac\u0103 num\u0103rul companiilor \u0219i al persoanelor bancabile nu cre\u0219te, intermedierea financiar\u0103 va r\u0103m\u00e2ne la un nivel redus, iar economia va continua s\u0103 se afle \u00een urma statelor europene. De\u0219i Rom\u00e2nia a \u00eenregistrat progrese semnificative \u00een ultimele decenii, decalajele fa\u021b\u0103 de media Uniunii Europene tind s\u0103 se ad\u00e2nceasc\u0103. \u201eNoi st\u0103m pe loc, dac\u0103 nu cumva involu\u0103m. Ne l\u0103ud\u0103m c\u0103 am ajuns la cea mai bun\u0103 situa\u021bie economic\u0103 din istoria noastr\u0103. A crescut PIB-ul din 1990, era 1.640 de dolari pe locuitor \u0219i acum e peste 20.000 de dolari pe locuitor. E adev\u0103rat. Dar ast\u0103zi cre\u0219tem \u00een mod negativ diferen\u021ba dintre economia rom\u00e2neasc\u0103 \u0219i economiile europene. Deci convergen\u021ba se \u00eendep\u0103rteaz\u0103. Acesta este pericolul\u201d, a avertizat D\u0103nescu.<\/p>\n

El a punctat c\u0103 una dintre marile provoc\u0103ri r\u0103m\u00e2ne capacitatea statului rom\u00e2n de a colecta venituri \u00een mod coerent \u0219i sustenabil, similar cu ceea ce se \u00eent\u00e2mpl\u0103 \u00een restul Europei. Doar printr-o fiscalitate echitabil\u0103, politici economice orientate c\u0103tre dezvoltare \u0219i sprijinirea unei cre\u0219teri organice s\u0103n\u0103toase, Rom\u00e2nia poate reduce decalajele \u0219i poate evita stagnarea.<\/p>\n

\u201eCred c\u0103 asta este urgen\u021ba \u2013 cum cre\u0219ti capacitatea statului rom\u00e2n de a se finan\u021ba \u00een mod legal, coerent, plenar, a\u0219a cum se \u00eent\u00e2mpl\u0103 \u00een Europa. Cum po\u021bi s\u0103 creezi valoare ad\u0103ugat\u0103 \u0219i cre\u0219tere economic\u0103 pe munc\u0103, contribuind la societate a\u0219a cum cere legea \u00een \u021bara respectiv\u0103 \u0219i cum cere \u0219i \u00een celelalte \u021b\u0103ri. Iar b\u0103ncile aici au un rol, nu \u0219tiu dac\u0103 primul rol, dar un rol important, c\u0103 trebuie s\u0103 finan\u021beze o cre\u0219tere organic\u0103 s\u0103n\u0103toas\u0103 a unei economii\u201d, a conchis pre\u0219edintele executiv al ARB.<\/p>\n

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 r\u0103m\u00e2ne una dintre economiile europene cu cea mai sc\u0103zut\u0103 intermediere financiar\u0103, ceea ce \u00eengreuneaz\u0103 considerabil procesul de dezvoltare \u0219i convergen\u021b\u0103 cu statele occidentale. \u00cen timp ce media european\u0103 a creditelor acordate popula\u021biei \u0219i companiilor raportat la PIB este de 77%, Rom\u00e2nia se afl\u0103 la numai 23%. Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a […]<\/p>\n","protected":false},"author":5,"featured_media":3685321,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3685322","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nCu o intermediere financiar\u0103 de doar 23%, Rom\u00e2nia nu are cum s\u0103 ajung\u0103 la convergen\u021b\u0103 economic\u0103 cu Europa. Urgen\u021ba \u2013 Cum cre\u0219ti capacitatea statului de a se finan\u021ba legal, coerent, plenar - 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\/cu-o-intermediere-financiara-de-doar-23-romania-nu-are-cum-sa-ajunga-la-convergenta-economica-cu-europa-urgenta-cum-cresti-capacitatea-statului-de-a-se-finanta-legal-coerent-plenar\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cu o intermediere financiar\u0103 de doar 23%, Rom\u00e2nia nu are cum s\u0103 ajung\u0103 la convergen\u021b\u0103 economic\u0103 cu Europa. 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