{"id":6847,"date":"2017-10-03T09:38:23","date_gmt":"2017-10-03T06:38:23","guid":{"rendered":"https:\/\/www.arb.ro\/?p=6847\/"},"modified":"2024-05-13T15:18:37","modified_gmt":"2024-05-13T12:18:37","slug":"in-comunicarea-proactiva-romania-trebuie-ancorata-in-perspective-tangibile","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/in-comunicarea-proactiva-romania-trebuie-ancorata-in-perspective-tangibile\/","title":{"rendered":"\u00cen comunicarea proactiv\u0103, Rom\u00e2nia trebuie ancorat\u0103 \u00een perspective tangibile - only in romanian"},"content":{"rendered":"
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A trecut aproape un deceniu de la debutul crizei. Dup\u0103 opt ani de politic\u0103 monetar\u0103 relaxat\u0103 la nivel mondial, viteza de cre\u0219tere a investi\u021biilor \u0219i a productivit\u0103\u021bii nu a permis majorarea veniturilor pe cap de locuitor la un nivel satisf\u0103c\u0103tor. Economiile europene recupereaz\u0103 \u00een ritm moderat. Perspectiva de recuperare durabil\u0103 poate fi afectat\u0103, mai ales c\u0103 acum revenirea economiilor globale este \u00een form\u0103 de \u201cL\u201d.<\/p>

\u00cen parte, eficien\u021ba implement\u0103rii reformelor este afectat\u0103 de lipsa convergen\u021bei economice \u0219i de decalajele generate de barierele na\u021bionale. Dup\u0103 criz\u0103 s-a ad\u0103ugat \u0219i cre\u0219terea protec\u021bionismului. Urmeaz\u0103 perioda post easy money, f\u0103r\u0103 a vorbi \u00eens\u0103 de momentul startului acesteia.<\/p>

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Revenirea economiilor la nivel mondial \u00een form\u0103 de \u201cL\u201d este cauzat\u0103 \u0219i de procesul de dezintermediere. \u00cen zona bancar\u0103 am asistat la cre\u0219terea cerin\u021belor de capital, noi reguli privind lichiditatea cu impact asupra maturit\u0103\u021bii structurii de active, iar evaluarea riscului de credit este mult mai str\u00e2ns\u0103. Cu c\u00e2t reglementarile genereaz\u0103 costuri suplimentare sistemului bancar, cu at\u00e2t tendin\u021ba va fi de ra\u021bionalizare a aloc\u0103rii de finan\u021bare pe anumite zone. Capacitatea b\u0103ncilor de a face fa\u021b\u0103 noilor cerin\u021be \u00een materie de necesar de capital, de lichiditate, de raport\u0103ri conform noilor reguli este diferen\u021biat\u0103, \u00een condi\u021biile \u00een care toate acestea vin cu un cost. Vorbim de un cost pentru ac\u021bionari \u00een prim\u0103 faz\u0103, dar acesta se transfer\u0103 mai departe pe circuit c\u0103tre clien\u021bi \u0219i \u00een final c\u0103tre economie. R\u0103spunsul b\u0103ncilor a venit prin reducerea m\u0103rimii bilan\u021burilor lor, \u00een condi\u021biile consolid\u0103rii bazei de capital \u0219i prin reducerea activit\u0103\u021bilor mai riscante \u00een favoarea activit\u0103\u021bilor de baz\u0103, mai pu\u021bin riscante. Stocul de credite bancare acordate companiilor non financiare europene\u00a0 a sc\u0103zut cu 10% \u00een criz\u0103, \u00een timp ce produc\u021bia de credite noi a sc\u0103zut cu 40%.<\/p>

Dac\u0103 la nivel european num\u0103rul institu\u021biilor de credit s-a redus cu aproximativ 20% \u00een criz\u0103, \u00een Rom\u00e2nia num\u0103rul b\u0103ncilor s-a redus cu 14%, de la 43 la 37, \u00een perioada 2008 -2016 \u0219i trendul este de reducere ca urmare a fuziunilor.<\/p>

Pentru unele b\u0103nci europene, solu\u021bia vine din schimbarea modelului de business, inclusiv prin cre\u0219terea digitaliz\u0103rii.<\/p>

Travers\u0103m o perioad\u0103 \u00een care cererea de credit este redus\u0103, iar reglement\u0103rile noi fr\u00e2neaz\u0103 reluarea procesului. Capitalul nu mai circul\u0103 cu viteza cu care eram obisnui\u021bi \u00eenainte de criz\u0103, iar investi\u021biile sunt sub poten\u021bial.\u00a0 Perioada dob\u00e2nzilor mici a acoperit anumite riscuri pe zona debitorilor, dar a \u0219i creat altele pentru cei care au ales s\u0103 investeasc\u0103 \u00een active cu risc mai mare.<\/p>

Pe perioada crizei \u0219i post criz\u0103, \u0219i \u00een Rom\u00e2nia am asistat la o comunicare antagonist\u0103 care nu a adus beneficii nici popula\u021biei, nici b\u0103ncilor \u0219i nici economiei \u00een ansamblu. Intermedierea financiar\u0103, calculat\u0103 ca pondere a creditului neguvernamental \u00een PIB, s-a redus \u00een criz\u0103 cu un sfert, la 29%. Chiar dac\u0103 economisirea intern\u0103 a crescut cu 60% \u00een ultimii opt ani, transferul capitalului nu s-a mai produs la intensitatea de dinainte de criz\u0103. \u0218i asta \u00een condi\u021biile \u00een care sistemul bancar rom\u00e2nesc este unul dintre cele mai bine capitalizate \u0219i cu cel mai ridicat nivel de lichiditate din Uniunea European\u0103.<\/p>

Intermedierea financiar\u0103 asigur\u0103 transferul capitalului dar \u0219i al riscului \u00eentre debitori \u0219i deponen\u021bi. Dac\u0103 nu circul\u0103, capitalul nu aduce valoare ad\u0103gat\u0103 nici pentru cine \u00eel de\u021bine, nici pentru cei care l-ar putea \u00eemprumuta \u0219i nici pentru economia Rom\u00e2niei. Creditarea responsabil\u0103 trebuie asumat\u0103 corespunz\u0103tor, fiind cheia dezvolt\u0103rii economice fiindc\u0103 antreneaz\u0103 pe orizontal\u0103 \u00eentreaga economie.\u00a0 De men\u021bionat c\u0103 pe perioada crizei, Rom\u00e2nia nu a fost nevoit\u0103 s\u0103 sprijine din bani publici sectorul bancar.<\/p>

Morala acestor evolu\u021bii este c\u0103 ar trebui s\u0103 ne preocupe, inclusiv pe zona de legiferare, solu\u021bionarea problemelor persoanelor care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi reale prin ac\u021biuni reactive cum ar fi restructur\u0103rile pe care le aplic\u0103 b\u0103ncile \u00eenc\u0103 de la debutul crizei, dar \u0219i proactive prin cre\u0219terea nivelului de educa\u021bie financiar\u0103.<\/p>

Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor \u0219i-a propus s\u0103 contribuie la cre\u0219terea gradului de educa\u021bie financiar\u0103, stimul\u00e2nd cre\u0219terea gradului de bancarizare, la peste 70% \u00een 2020 de la pu\u021bin peste 62% \u00een 2014, \u0219i accesul la produsele bancare \u0219i beneficiile oferite de acest acces. A\u0219a cum a\u021bi v\u0103zut, industria bancar\u0103 este preocupat\u0103 de rec\u00e2\u0219tigarea \u00eencrederii, iar educa\u021bia financiar\u0103 este unul dintre pilonii pe care ne baz\u0103m al\u0103turi de o comunicare intens\u0103 \u0219i conduita \u00een acest demers.<\/p>

Ar trebui s\u0103 acord\u0103m o mai mare importan\u021b\u0103 comunic\u0103rii, ac\u021biunii \u00een sine dar \u0219i rezultatului acesteia. Consider c\u0103 ar trebui s\u0103 ap\u0103s\u0103m cu to\u021bii pe pedala proactivit\u0103\u021bii \u00een comunicare. Este nevoie de cre\u0219terea \u00eencrederii. Rom\u00e2nia trebuie ancorat\u0103 \u00een perspective credibile, tangibile \u0219i constructive.<\/p>

Reducerea decalajelor \u00een perioada post easy money este o ac\u021biune mult mai complex\u0103 care trebuie coordonat\u0103 strategic.<\/p>

S-a vorbit despre oportunitatea de ancorare a Rom\u00e2niei \u00een dou\u0103 obiective majore: aderarea Rom\u00e2niei la Organiza\u0163ia pentru Cooperare \u015fi Dezvoltare Economic\u0103 \u0219i intrarea Rom\u00e2niei \u00een zona euro. Implementarea angajamentelor permite reducerea decalajelor \u0219i cre\u0219terea PIB per capita, adic\u0103 cre\u0219terea bun\u0103st\u0103rii economice. \u00cen Rom\u00e2nia, PIB\/capita exprimat \u00een puterea de cump\u0103rare standard a ajuns la 59% din media UE \u00een 2016, fa\u021b\u0103 de 49% \u00een 2008. Rom\u00e2nia trebuie s\u0103-\u0219i caden\u021beze pa\u0219ii pentru recuperarea decalajelor \u00een raport cu Uniunea European\u0103. Ponderea persoanelor expuse riscului s\u0103r\u0103ciei sau excluziunii sociale \u00een Rom\u00e2nia este de 37,4% din popula\u021bia total\u0103, fa\u021b\u0103 de 23,7% \u00een UE, la nivelul anului 2015.<\/p>

Institu\u021biile de credit au o contribu\u021bie substan\u021bial\u0103 la cre\u0219terea economic\u0103 \u0219i la reducerea excluziunii sociale \u0219i financiare \u0219i \u00een acest moment dispunem de toate resursele pentru a \u00eendeplini acest mandat de finan\u021bator.<\/p>

Cre\u0219terea competitivit\u0103\u021bii Rom\u00e2niei implic\u0103 reforme structurale \u00een condi\u021biile \u00een care contextul interna\u021bional este \u00een continuare incert. Este nevoie de planificare strategic\u0103 sistematic\u0103, fiind prev\u0103zut\u0103 astfel \u0219i o predictibilitate necesar\u0103 pe zona legislativ\u0103, at\u00e2t pentru statul rom\u00e2n, c\u00e2t \u0219i pentru investitori.<\/p>

Sursa: http:\/\/www.bankingnews.ro\/gabriela-folcut-asociatia-romana-a-bancilor.html<\/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":"

Gabriela Folcu\u0163, Pre\u015fedinte Comisia de Comunicare – Bankingnews, 3 octombrie 2017 <\/em><\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-6847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\n\u00cen comunicarea proactiv\u0103, Rom\u00e2nia trebuie ancorat\u0103 \u00een perspective tangibile - 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\/in-comunicarea-proactiva-romania-trebuie-ancorata-in-perspective-tangibile\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00cen comunicarea proactiv\u0103, Rom\u00e2nia trebuie ancorat\u0103 \u00een perspective tangibile - 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