{"id":116820,"date":"2015-01-21T13:30:32","date_gmt":"2015-01-21T13:30:32","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=116820"},"modified":"2015-01-21T13:30:32","modified_gmt":"2015-01-21T13:30:32","slug":"cinteza-bnr-conversia-creditelor-din-franci-in-lei-la-cursul-istoric-poate-falimenta-unele-banci","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=116820","title":{"rendered":"Cintez\u0103, BNR: Conversia creditelor din franci \u00een lei la cursul istoric poate falimenta unele b\u0103nci"},"content":{"rendered":"<p>\n&#8220;<strong>Orice decizie privind o conversie la un alt curs de schimb dec\u00e2t cel din dat\u0103 tranzac\u0163iei produce pierderi pentru b\u0103nci. <\/strong>Rezolvarea printr-un act normativ care s\u0103 stabileasc\u0103 conversia la un alt curs dec\u00e2t cel din ziua tranzac\u0163iei nu se poate! (&#8230;) Sunt b\u0103nci care pot da faliment dac\u0103 conversia se face la curs istoric. \u015ei nu una sau dou\u0103 b\u0103nci risc\u0103 falimentul! Cineva spunea c\u0103 volumul creditelor \u00een franci nu reprezint\u0103 un risc sistemic, dar falimentul unei b\u0103nci este un risc sistemic&#8221;, a afirmat Cintez\u0103 miercuri la dezbaterea din Comisia Buget-Finan\u0163e la Camera Deputa\u0163ilor pe tema creditelor \u00een franci elve\u0163ieni.<\/p>\n<p>\nEl a ar\u0103tat c\u0103 b\u0103ncile comerciale percep conversia la un alt curs de schimb ca fiind neconstitu\u0163ional\u0103.<\/p>\n<p>\n&#8220;Dac\u0103 n-ar fi existat aceast\u0103 varia\u0163ie de curs \u00een perioada aceasta \u015fi BNR ar fi intervenit \u00een activitatea unei b\u0103nci era un abuz cras, puteam s\u0103 fim tra\u015fi la r\u0103spundere penal&#8221;, a spus Cintez\u0103.<\/p>\n<p>\nOficialul BNR a punctat c\u0103, dup\u0103 preluarea Volksbank de c\u0103tre Banca Transilvania, c\u00e2nd aceasta din urm\u0103 va converti creditele \u00een franci elve\u0163ieni \u00een lei, a\u015fa cum s-a angajat \u00een contract, cu oferirea unui discount, m\u0103sura va pune presiune \u015fi pe restul b\u0103ncilor, \u00eens\u0103 r\u0103m\u00e2ne de v\u0103zut dac\u0103 acestea \u00ee\u015fi vor putea permite s\u0103 aplice m\u0103suri similare f\u0103r\u0103 a-\u015fi reduce drastic indicatorii de solvabilitate \u015fi capital.<\/p>\n<p>\n&#8220;Sunt convins c\u0103 b\u0103ncile vor avea presiune dup\u0103 ce Banca Transilvania va pune planul \u00een aplicare, dar nu sunt convins c\u0103 vor putea sus\u0163ine aplicarea unui discount la conversia creditului. Dac\u0103 indicatorul de solvabilitate scade sub 6%, deja banca trebuie s\u0103 aplice administrare special\u0103, iar sub 2% se instituie procedura de faliment&#8221;, afirm\u0103 Cintez\u0103.<\/p>\n<p>\nEl a precizat c\u0103, \u00eencep\u00e2nd de vinerea trecut\u0103, guvernatorul BNR a avut discu\u0163ii cu reprezentan\u0163ii b\u0103ncilor comerciale, 14 institu\u0163ii de credit av\u00e2nd \u00een portofolii \u00eemprumuturi \u00een franci elve\u0163ieni, \u00eens\u0103 nu toate au volume mari de astfel de credite.<\/p>\n<p>\nPe de alt\u0103 parte, Cintez\u0103 apreciaz\u0103 c\u0103 legea insolven\u0163ei nu rezolv\u0103 problema, iar propunerea de schem\u0103 de restructurare a Finan\u0163elor poate oferi avantaje pe termen scurt celor cu credite \u00een euro.<\/p>\n<p>\nDirectorul BNR a mai punctat c\u0103 banca central\u0103 nu putea interzice creditele \u00een franci elve\u0163ieni \u00een 2007, tocmai c\u00e2nd Rom\u00e2nia a intrat \u00een Uniunea European\u0103 \u015fi s-a liberalizat contul de capital.<\/p>\n<p>\n&#8220;Nu puteam interzice creditele \u00een franci c\u00e2t\u0103 vreme la momentul acela nu prezenta niciun risc. Creditul \u00een franci a ap\u0103rut pe fondul unor finan\u0163\u0103ri acordate de fonduri elve\u0163iene \u015fi b\u0103nci elve\u0163iene la cursuri care f\u0103ceau finan\u0163\u0103rile pentru b\u0103nci mai ieftine dec\u00e2t alte valute. Da, francul elve\u0163ian a fost foarte ieftin, dar alegerea a apar\u0163inut clientului&#8221;, a mai spus Cintez\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Impunerea conversiei creditelor \u00een franci elve\u0163ieni la alt curs de schimb dec\u00e2t cel din ziua tranzac\u0163iei ar produce pierderi pentru b\u0103nci, \u00een cazul unora exist\u00e2nd riscul de faliment dac\u0103 transform\u0103 \u00eemprumuturile la cursul istoric, a declarat directorul Direc\u0163iei Supraveghere din BNR, Nicolae Cintez\u0103.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[185,39293],"class_list":["post-116820","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-credite-franci"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/116820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=116820"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/116820\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=116820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=116820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=116820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}