{"id":117767,"date":"2015-02-12T15:00:03","date_gmt":"2015-02-12T15:00:03","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=117767"},"modified":"2015-02-12T15:00:03","modified_gmt":"2015-02-12T15:00:03","slug":"directorul-general-brd-bancile-trebuie-sa-si-asume-partea-de-responsabilitate-si-costuri-pentru-creditele-in-franci","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=117767","title":{"rendered":"Directorul general BRD: B\u0103ncile trebuie s\u0103-\u015fi asume partea de responsabilitate \u015fi costuri pentru creditele \u00een franci"},"content":{"rendered":"<p>\n<strong>&#8220;Pentru clien\u0163ii care au luat la un moment dat credite \u00een franci elve\u0163ieni, era important s\u0103 fie informa\u0163i cu privire la riscuri, banca trebuie s\u0103 informeze clien\u0163ii, face parte din etica profesional\u0103 a b\u0103ncilor, din bunul sim\u0163 al meseriei noastre. Sunt clien\u0163i care trebuia s\u0103 \u015ftie de la bun \u00eenceput c\u0103 pot exista riscuri, printre care rata de schimb<\/strong>&#8220;, a declarat joi Lhotte \u00een conferin\u0163a de pres\u0103 ocazionat\u0103 de anun\u0163area rezultatelor BRD pentru anul trecut.<\/p>\n<p>\nEl \u015fi-a exprimat \u00eendoiala c\u0103 to\u0163i cei peste 75.000 de debitori \u00een franci elve\u0163ieni au fost informa\u0163i corect \u015fi avertiza\u0163i asupra riscului de c\u0103tre b\u0103ncile care i-au creditat.<\/p>\n<p>\n<strong>&#8220;Exist\u0103 75.000 de clien\u0163i care au f\u0103cut credite \u00een franci elve\u0163ieni \u015fi nu sunt sigur c\u0103 tot at\u00e2\u0163ia clien\u0163i au fost avertiza\u0163i de aceste riscuri&#8221;<\/strong>, a spus Lhotte.<\/p>\n<p>\nDirectorul BRD a precizat c\u0103 banca pe care o conduce are cinci astfel de credite \u00een portofoliu \u015fi urmeaz\u0103 s\u0103 propun\u0103 clien\u0163ilor respectivi conversia \u00een lei, la cursul dinaintea aprecierii puternice a francului, la jum\u0103tatea lunii ianuarie.<\/p>\n<p>\n<strong>&#8220;Sunt cinci clien\u0163i, am v\u0103zut dosarele, eu sper ca \u015fi peste 20-30 de ani s\u0103 r\u0103m\u00e2n\u0103 clien\u0163ii no\u015ftri. C\u00e2nd banca a acordat creditele, m\u0103 \u00eentreb dac\u0103 au fost bine informa\u0163i, oare li s-au explicat riscurile? (Lhotte nu era pe atunci la conducerea b\u0103ncii &#8211; n.r.) O s\u0103 le propunem conversia \u00een lei la cursul dinainte de 15 ianuarie. Nu putem face recomand\u0103ri altor b\u0103nci, nu d\u0103m lec\u0163ii nim\u0103nui, dar trebuie s\u0103 fim corec\u0163i \u015fi s\u0103 lucr\u0103m pe o baz\u0103 de echitate&#8221;<\/strong>, a explicat Lhotte.<\/p>\n<p>\nBanca a derulat, pentru c\u00e2teva luni \u00een anul 2006, o ofert\u0103 pentru clien\u0163ii cu venituri mari. Ulterior, a decis s\u0103 opreasc\u0103 acest tip de finan\u0163are. Soldul celor cinci credite \u00een franci elve\u0163ieni este de circa 280.000 CHF.<\/p>\n<p>\nDirectorul BRD este de acord cu pozi\u0163ia exprimat\u0103 de BNR, de negocieri individuale \u00eentre b\u0103nci \u015fi clien\u0163i pentru a g\u0103si o solu\u0163ie favorabil\u0103 \u00een cazul creditelor \u00een franci elve\u0163ieni, \u00eens\u0103 \u015fi cu cea a premierului Victor Ponta de dup\u0103 izbucnirea &#8220;crizei francului&#8221;, c\u00e2nd spunea c\u0103 fiecare trebuie s\u0103-\u015fi asume responsabilitate, iar dac\u0103 o banc\u0103 are o parte de r\u0103spundere fiindc\u0103 n-a informat corect \u015fi suficient clien\u0163ii, trebuie s\u0103-\u015fi asume acea responsabilitate.<\/p>\n<p>\nPe de alt\u0103 parte, Lhotte a men\u0163ionat c\u0103 nu a fost de acord cu pozi\u0163ia exprimat\u0103 de Consiliul Patronatelor Bancare din Rom\u00e2nia (CPBR) \u00eentr-un comunicat de la finele lunii ianuarie privind solu\u0163iile propuse de b\u0103nci clien\u0163ilor \u015fi a refuzat s\u0103-l valideze. BRD se mai g\u00e2nde\u015fte astfel, \u00een urma unor diferen\u0163e de opinii, dac\u0103 va r\u0103m\u00e2ne \u00een continuare \u00een componen\u0163a CPRB.<\/p>\n<p>\n<strong>Membrii CPBR sunt Banca Comercial\u0103 Rom\u00e2n\u0103, BRD &#8211; Groupe Societe Generale, Raiffeisen Bank, UniCredit \u0162iriac Bank, ING Bank Rom\u00e2nia \u015fi Volksbank Rom\u00e2nia. Cele \u015fase b\u0103nci de\u0163in circa jum\u0103tate din totalul activelor bancare din sistem \u015fi peste o treime din personalul din domeniu.<\/strong><\/p>\n<p>\nCPBR consider\u0103 c\u0103 transformarea \u00eemprumuturilor \u00een alt\u0103 moned\u0103 trebuie s\u0103 respecte o directiv\u0103 UE aplicabil\u0103 din 2016 potrivit c\u0103reia opera\u0163iunea ia \u00een calcul cursul de schimb de la data efectu\u0103rii, iar legea insolven\u0163ei persoanelor va fi benefic\u0103 doar dac\u0103 nu va \u00eencuraja lipsa de disciplin\u0103 la rambursare.<\/p>\n<p>\nReferitor la unele propuneri legislative sau ale societ\u0103\u0163ii civile care vizeaz\u0103 impunerea altui curs de schimb fa\u0163\u0103 de cel al pie\u0163ei pentru conversia creditelor acordate \u00een franci elve\u0163ieni, CPBR arata c\u0103 aceast\u0103 problema nu poate fi tratata dec\u00e2t punctual, \u00eentre b\u0103ncile care au acordat astfel de credite \u015fi clien\u0163ii acestora, pentru g\u0103sirea de solu\u0163ii viabile.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u0103ncile trebuia s\u0103 informeze clien\u0163ii c\u00e2nd au luat credite \u00een franci elve\u0163ieni asupra riscurilor la care se expun, pentru c\u0103 face parte din etica profesional\u0103 a b\u0103ncilor, iar dac\u0103 insitu\u0163ia de credit are o parte de r\u0103spundere, trebuie s\u0103 \u015fi-o asume, apreciaz\u0103 directorul general BRD, Philippe Lhotte.<\/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":[7610,39293],"class_list":["post-117767","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-brd","tag-credite-franci"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117767","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=117767"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/117767\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}