{"id":5268,"date":"2015-10-23T12:11:17","date_gmt":"2015-10-23T09:11:17","guid":{"rendered":"https:\/\/www.arb.ro\/?p=5268"},"modified":"2024-01-20T14:03:49","modified_gmt":"2024-01-20T12:03:49","slug":"proiectele-legislative-trebuie-sa-merga-in-directia-intaririi-disciplinei-financiare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/proiectele-legislative-trebuie-sa-merga-in-directia-intaririi-disciplinei-financiare\/","title":{"rendered":"Proiectele legislative trebuie s\u0103 merg\u0103 \u00een direc\u021bia \u00eent\u0103ririi disciplinei financiare - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5268\" class=\"elementor elementor-5268\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b176199 e-flex e-con-boxed e-con e-parent\" data-id=\"5b176199\" 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-274748ab elementor-widget elementor-widget-text-editor\" data-id=\"274748ab\" 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<p style=\"text-align: justify;\"><strong>Procesul de dezintermediere financiar\u0103 s-a accentuat \u00een ultimii cinci ani. Absen\u0163a cererii eligibile de credite \u015fi cre\u015fterea economisirii interne sunt principalele motiva\u0163ii pentru reducerea liniilor de finan\u0163are de la b\u0103ncile mam\u0103. Sectorul bancar rom\u00e2nesc este \u00eentr-o pozi\u021bie care \u00eei permite reluarea credit\u0103rii \u00een mod sustenabil, mai ales c\u0103 marjele de dob\u00e2nd\u0103 aferente creditelor au continuat trendul descendent.<\/strong><\/p><p style=\"text-align: justify;\">Sistemul bancar rom\u00e2nesc \u0219i-a demonstrat stabilitatea structural\u0103, a realizat optimizarea portofoliilor de credite printr-un proces amplu de cur\u0103\u0163are a bilan\u0163urilor \u015fi acord\u0103 credite, pe parcursul anului 2015, \u00eentr-un ritm aproape similar cu cel de dinainte de criz\u0103. Sectorul bancar din Rom\u00e2nia este printre pu\u021binele sectoare bancare din Uniunea European\u0103 care nu a avut nevoie pe perioada crizei de sprjin din fonduri publice.<\/p><p style=\"text-align: justify;\">Rata de solvabilitate s-a men\u0163inut la un nivel ridicat, de 18,07% \u00een iunie 2015, \u00een condi\u021biile \u00een care pragul minim stabilit conform cadrului de reglementare european CRD IV\/CRR este de 8%.<\/p><p style=\"text-align: justify;\">Cur\u0103\u021barea bilan\u021burilor \u015fi schimbarea metodologiei de calcul a creditelor neperformante au condus la o reducere cu peste zece puncte procentuale a ratei creditelor neperformante p\u00e2n\u0103 la 12,06%, \u00een luna august 2015. B\u0103ncile vor s\u0103 se implice tot mai mult \u00een creditare pentru a compensa sc\u0103derea bilan\u021burilor. Lichiditate exist\u0103 \u00een pia\u021b\u0103 \u0219i acest lucru este dovedit de nivelul sc\u0103zut al dob\u00e2nzilor de pe pia\u021ba monetar\u0103.<\/p><p style=\"text-align: justify;\">Afirmam la sf\u00e2r\u015fitul anului trecut c\u0103 principalele obiective pentru sistemul bancar pentru anul 2015 sunt cre\u0219terea credit\u0103rii, m\u0103surile orientate pentru restabilirea \u00eencrederii \u0219i exerci\u021biul de evaluare a calit\u0103\u021bii activelor la nivelul sistemului bancar rom\u00e2nesc. Anticipa\u0163iile indicau pentru anul 2015 cre\u015fterea soldului creditului neguvernamental \u00een ritm anual, lucru care este deja sesizabil \u00eenc\u0103 din luna august. \u00censeamn\u0103 c\u0103 volumul creditelor noi acordate au dep\u0103\u015fit ie\u015firile din soldul creditului neguvernamental sub form\u0103 de ramburs\u0103ri de principal, scoatere \u00een afara bilan\u0163ului \u015fi v\u00e2nz\u0103ri de portofolii.<\/p><p style=\"text-align: justify;\">Este nevoie de \u00eencredere. Disciplina financiar\u0103 nu este punctul forte, mai ales dac\u0103 privim sectorul credit\u0103rii IMM-urilor. Dar asta \u00eenseamn\u0103, p\u00e2n\u0103 la urm\u0103, acea \u00eencredere pe care o dai oric\u0103rui investitor \u0219i oric\u0103rui consumator c\u0103 o datorie se pl\u0103te\u0219te. C\u00e2t timp acest lucru nu exist\u0103, \u00eentreaga industrie bancar\u0103 este pus\u0103 sub semnul \u00eentreb\u0103rii pentru c\u0103 fi\u0219a de post a industriei bancare este aceea de a cre\u0219te economisirea \u0219i prin aceast\u0103 economisire s\u0103 poat\u0103 credita economia. De ce este Rom\u00e2nia \u00een urm\u0103? Dintr-o mie de motive. Unul dintre ele este acela c\u0103 Rom\u00e2nia are un grad de intermediere financiar\u0103 (ponderea creditului neguvernamental \u00een PIB) de circa 32%, cel mai sc\u0103zut din Uniunea European\u0103, \u00een sc\u0103dere de la nivelul de aproape 40% \u00een 2011.<br \/>Nivelul de intermediere financiar\u0103 este direct propor\u0163ional cu prosperitatea \u0163\u0103rilor respective, prosperitate reprezentat\u0103 printr-un indicator PIB per capita. PIB pe cap de locuitor exprimat \u00een paritatea puterii de cump\u0103rare standard (PPS) \u00een Rom\u00e2nia s-a situat \u00een 2014 la 54% din media Uniunii Europene.<\/p><p style=\"text-align: justify;\">Strategia ar trebui orientat\u0103 spre cre\u015fterea sustenabil\u0103 \u015fi, implicit, spre cre\u015fterea intermedierii financiare. A\u015ftept\u0103rile sunt ca abord\u0103rile legislative s\u0103 devin\u0103 constructive, pentru c\u0103 \u00een final cel care beneficiaz\u0103 de costuri mai reduse ar trebui s\u0103 fie cet\u0103\u0163eanul.<\/p><p style=\"text-align: justify;\">\u00cens\u0103, \u00een Rom\u00e2nia unele proiecte legislative merg \u00een direc\u021bia sl\u0103birii disciplinei financiare. Rom\u00e2nia are o conota\u021bie specific\u0103 pentru c\u0103 lipsa \u00eenv\u0103\u021b\u0103turii democratice ne face s\u0103 prelu\u0103m ceea ce Europa ne prezint\u0103 ast\u0103zi ca legi \u0219i le transpunem \u00eentr-o manier\u0103 diferit\u0103 \u0219i \u00eempotriva economiei.<\/p><p style=\"text-align: justify;\">Ast\u0103zi suntem \u00een fa\u021ba multor percep\u021bii care se transform\u0103 \u00een ini\u021biative legislative. Nu putem s\u0103 nu ne \u00eentreb\u0103m care va fi strategia grupurilor financiare pe viitor. \u00cen perioada 2009 &#8211; 2014, sistemul bancar a \u00eenregistrat o pierdere net\u0103 consolidat\u0103 de 1,6 miliarde euro, \u00een timp ce aporturile suplimentare de capital de la ac\u0163ionari s-au ridicat la 1,8 miliarde euro.<\/p><p style=\"text-align: justify;\">Nu putem avea un capital care s\u0103 \u00eenregistreze constant pierdere \u015fi \u00een acela\u015fi timp s\u0103 contribuie la cre\u015fterea economic\u0103 a Rom\u00e2niei \u00een condi\u0163iile \u00een care asist\u0103m la o serie de ini\u0163iative legislative dintre care unele contravin legisla\u0163iei na\u0163ionale sau dreptului comunitar. Or, acestea creeaz\u0103 a\u015ftept\u0103ri consumatorului \u015fi o imagine proast\u0103 sistemului bancar.<\/p><p style=\"text-align: justify;\">A\u015ftept\u0103rile privind modul \u00een care sectorul bancar contribuie la dezvoltarea economiei Rom\u00e2niei ar trebui s\u0103 fie direct propor\u0163ionate cu cadrul legislativ na\u0163ional \u015fi perspectivele de modificare a acestuia. Nu te po\u0163i a\u015ftepta ca un sistem bancar s\u0103 men\u0163in\u0103 acelea\u015fi condi\u0163ii de costuri ca mediul bancar european dac\u0103 nu-i permi\u0163i s\u0103 opereze cu acela\u015fi instrumentar \u015fi la un nivel similar de siguran\u0163\u0103 privind recuperarea sumelor intermediate.<\/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-83f695f elementor-widget elementor-widget-button\" data-id=\"83f695f\" 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\/ARB_octombrie.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":"<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, octombrie 2015 <\/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-5268","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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