{"id":4247,"date":"2014-10-18T11:51:29","date_gmt":"2014-10-18T08:51:29","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4247"},"modified":"2024-01-20T14:06:13","modified_gmt":"2024-01-20T12:06:13","slug":"elaborarea-unei-legi-privind-insolventa-persoanelor-fizice","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/elaborarea-unei-legi-privind-insolventa-persoanelor-fizice\/","title":{"rendered":"Elaborarea unei legi privind insolven\u021ba persoanelor fizice - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4247\" class=\"elementor elementor-4247\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69243982 e-flex e-con-boxed e-con e-parent\" data-id=\"69243982\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cdcc85a elementor-widget elementor-widget-text-editor\" data-id=\"5cdcc85a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Fara presiuni sau de constr\u00e2ngeri de timp<\/h3><p style=\"text-align: justify;\">Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) propune ini\u021biatorilor \u0219i deciden\u021bilor din Parlamentul Rom\u00e2niei analiza modific\u0103rilor \u0219i complet\u0103rilor aduse de comunitatea bancar\u0103 ini\u021biativei legislative privind insolven\u021ba persoanelor fizice, \u00eenregistrat\u0103 la Senat sub nr. L370\/2014, pentru men\u021binerea stabilit\u0103\u021bii sistemului bancar, a disciplinei de plat\u0103 \u0219i a cre\u0219terii economice. Comunitatea bancar\u0103 \u00een\u021belege c\u0103 efectele crizei economice mondiale precum \u0219omajul, diminuarea veniturilor, etc, conduc spre implementarea unei legi a insolven\u021bei persoanelor fizice \u00een Rom\u00e2nia.<\/p><p style=\"text-align: justify;\">ARB este preocupat\u0103 de necesitatea ca legea insolven\u021bei persoanelor fizice s\u0103 instituie un echilibru \u00eentre debitor \u0219i creditor \u0219i aplicarea legii s\u0103 fie atent supravegheat\u0103, iar eventualele excese s\u0103 fie sanc\u021bionate. Impactul unei eventuale implementari a legii, f\u0103r\u0103 a \u021bine cont de argumentele comunit\u0103\u021bii bancare, const\u0103 \u00een afectarea indicatorilor de pruden\u021b\u0103 bancar\u0103 \u0219i \u00een reducerea credit\u0103rii persoanelor fizice ceea ce conduce la consecin\u021be negative asupra consumului \u0219i dezvolt\u0103rii economice.<\/p><p style=\"text-align: justify;\">Argumentele \u00een favoarea legifer\u0103rii insolven\u021bei persoanelor fizice trebuie s\u0103 fie \u00eenso\u021bite de un studiu riguros, av\u00e2nd \u00een vedere ca proiectul se adreseaz\u0103 tuturor categoriilor de creditori ai persoanelor fizice. Debitorii persoane fizice care apeleaz\u0103 la procedura falimentului personal trebuie s\u0103 considere o astfel de solu\u021bie ca fiind extrem\u0103 av\u00e2nd \u00een vedere consecin\u021bele insolven\u021bei asupra bugetului personal \u0219i a giran\u021bilor, acolo unde exist\u0103. \u00cen situa\u021bia \u00een care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi financiare temporare, este recomandat ca debitorul s\u0103 solicite b\u0103ncii creditoare restructurarea creditului. Elaborarea unei legi privind insolven\u021ba persoanelor fizice trebuie s\u0103 nu fie influen\u021bata de presiuni sau de constr\u00e2ngeri de timp, av\u00e2nd \u00een vedere \u0219i necesitatea protec\u021biei deponen\u021bilor.<\/p><p style=\"text-align: justify;\">Propunerea legislativ\u0103 privind insolven\u021ba persoanelor fizice trebuie analizat\u0103 \u00een contextul angajamentelor deja asumate de autorit\u0103\u021bile rom\u00e2ne fa\u021b\u0103 de institu\u021biile financiare interna\u021bionale, angajamente care se refer\u0103 la men\u021binerea disciplinei de creditare ca element esential al stabilit\u0103\u021bii sistemului financiar din Rom\u00e2nia. \u00cen acest sens, Legea 89\/2014 privind ratificarea Scrisorii de inten\u021bie semnate de autorit\u0103\u021bile rom\u00e2ne \u0219i aprobate prin decizia Consiliului directorilor executivi al Fondului Monetar Interna\u021bional din 26 martie 2014 prevede la paragraful 37 urm\u0103toarele &#8222;Av\u00e2nd \u00een vedere c\u0103 men\u021binerea disciplinei de plat\u0103 \u00een r\u00e2ndul debitorilor contribuie \u00een mod semnificativ la consolidarea stabilit\u0103\u021bii financiare, vom depune toate eforturile pentru a evita adoptarea unor initia\u021bive legislative referitoare la insolven\u021ba persoanelor fizice care ar crea harzard moral \u0219i care ar putea genera abuzuri frecvente din partea debitorilor deoarece ar submina disciplina la plat\u0103&#8221;.<\/p><p style=\"text-align: justify;\">ARB consider\u0103 c\u0103 se impune clarificarea situa\u021biilor \u00een care debitorul poate formula cererea de intrare \u00een insolven\u021ba, pentru a evita eventualele abuzuri ale unor debitori de a se prevala de noua lege \u00een detrimentul creditorilor s\u0103i. Comunitatea bancar\u0103 propune introducerea de norme pentru asigurarea transparen\u0163ei pe fiecare etap\u0103 a procedurii insolven\u0163ei \u015fi informarea eficient\u0103 a tuturor p\u0103r\u0163ilor interesate, avand ca model, at\u00e2t norme corespondente din alte jurisdic\u0163ii europene, cat \u015fi normele echivalente din Legea nr. 85\/2014 privind procedurile de prevenire a insolven\u0163ei \u015fi de insolven\u0163\u0103. Consider\u0103m necesar\u0103 clarificarea rolului administratorului judiciar, profesionist \u00een insolven\u0163\u0103, pentru asigurarea corectitudini procedurii (notificarea creditorilor \u015fi \u00eenregistrarea crean\u0163elor, constatarea patrimoniului debitorului, ac\u0163iuni \u00een anularea actelor frauduloase ale debitorului, etc). Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor consider\u0103 necesar\u0103 ajustarea prevederilor privind planul de rambursare, pentru a asigura un tratament echitabil pentru creditorii garanta\u0163i fa\u0163\u0103 de alte categorii de creditori. Scopul acestor modific\u0103ri este acela de a asigura un comportament transparent \u015fi de buna-credin\u021b\u0103 al debitorului care, la sf\u00e2r\u015fitul procedurii va beneficia de eliberarea de datoriile reziduale c\u0103tre toate tipurile de creditori.<\/p><p style=\"text-align: justify;\">Num\u0103rul persoanelor \u00eendatorate la b\u0103nci \u0219i IFN este de aproximativ 4 milioane, ceea ce reprezint\u0103 43% din popula\u021bia activa. Soldul creditului neguvernamental acordat popula\u021biei se cifreaz\u0103 la 22,8 miliarde euro, potrivit datelor B\u0103ncii Na\u021bionale a Rom\u00e2niei la luna iulie 2014. Num\u0103rul persoanelor fizice cu restan\u021be peste 30 de zile este de 657.757, potrivit datelor centralizate de Biroul de Credit \u0219i publicate de BNR la luna iulie 2014. Totalul sumelor restante de peste 30 de zile \u00eenregistrate de persoanele fizice se cifreaz\u0103 la 2,35 miliarde euro.<\/p><p style=\"text-align: justify;\">B\u0103ncile \u00ee\u0219i sprijin\u0103 clien\u021bii afecta\u021bi de criza economic\u0103, ponderea creditelor restructurate fiind de 20% din volumul creditelor acordate. Reticien\u0163a bancilor este de in\u0163eles daca avem tabloul complet al insolven\u021bei persoanelor juridice, dat fiind faptul c\u0103 aproape 10% din soldul creditului neguvernamental reprezint\u0103 acum credite acordate companiilor intrate ulterior in insolven\u021b\u0103. Dintre companiile intrate \u00een insolven\u021b\u0103 \u00een perioada ianuarie 2009 &#8211; august 2013, \u00een stadiul de reorganizare au ajuns doar 1,2%. Sumele recuperate \u00een urma procedurilor sunt infime, de ordinul a 2%.<\/p><p style=\"text-align: justify;\">Economia Rom\u00e2niei are nevoie de finan\u021bare pentru a men\u021bine cre\u0219terea economic\u0103. \u00cen situa\u021bia \u00een care elaborarea unei legi privind insolven\u021ba persoanelor fizice este influen\u021bata de presiuni sau de constr\u00e2ngeri de timp, ar fi amenin\u021bat\u0103 capacitatea institu\u021biilor de credit de a mai acorda credite necesare dezvolt\u0103rii economice. Ar putea afecta percep\u021bia asupra riscului de \u021bar\u0103, costul de finan\u021bare al entit\u0103\u021bilor private locale, c\u00e2t \u0219i costul de finan\u021bare al statului \u00een ansamblul s\u0103u.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa92fc elementor-widget elementor-widget-button\" data-id=\"1fa92fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/PF_octombrie_2014.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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":"<h3>Fara presiuni sau de constr\u00e2ngeri de timp<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, octombrie 2014 <\/em><\/p>","protected":false},"author":3,"featured_media":2645376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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