\nAstfel, 90% dintre b\u0103nci anticipeaz\u0103 o cre\u015ftere a cererii pentru credite imobiliare, \u015fi 80% pentru credite de consum.<\/p>\n
\nUna din patru b\u0103nci estimeaz\u0103 chiar o cre\u015ftere semnificativ\u0103 a credit\u0103rii imobiliare.<\/p>\n
\n“Procentul b\u0103ncilor care se a\u015fteapt\u0103 la o cre\u015ftere a cererii de credite imobiliare s-a dublat fa\u0163\u0103 de 2014″<\/strong>, se arat\u0103 \u00eentr-un comunicat al ARB.<\/p>\n \nCadrul legislativ al insolven\u0163ei r\u0103m\u00e2ne principalul aspect care descurajeaz\u0103 creditarea, consider\u0103 95% dintre b\u0103nci.<\/p>\n \nB\u0103ncile anticipeaz\u0103, de asemenea, o dezvoltare u\u015foara a cererii de creditare din partea firmelor, dar \u015fi a cererii pentru produse de hedging.<\/p>\n \nBarometrul Bancar a fost efectuat \u00een baza unui chestionar derulat cu conducerile b\u0103ncilor membre ale ARB, la sondaj particip\u00e2nd institu\u0163ii de credit totaliz\u00e2nd o cot\u0103 de pia\u0163\u0103 \u00een func\u0163ie de active de aproximativ 90%.<\/p>\n \nPrintre concluziile analizei se num\u0103r\u0103:<\/strong><\/p>\n \n– cele mai multe b\u0103nci se a\u015fteapta la o \u00eembun\u0103t\u0103\u0163ire u\u015foara a mediului economic;<\/p>\n \n– 46% din b\u0103nci se a\u015fteapt\u0103 la o \u00eembun\u0103t\u0103\u0163ire a perspectivelor angaj\u0103rii \u00een economie;<\/p>\n \n– a\u015ftept\u0103rile privind anvergura consolid\u0103rii \u00een sectorul bancar s-au intensificat;<\/p>\n \n– 55% din b\u0103nci se a\u015fteapt\u0103 s\u0103 reduc\u0103 u\u015for num\u0103rul de angaja\u0163i, mai mult dec\u00e2t \u00een 2014 (29%);<\/p>\n \n– totu\u015fi, cheltuielile cu remunerarea angaja\u0163ilor nu vor sc\u0103dea \u00een peste 80% din b\u0103nci (\u00een 32% vor cre\u015fte);<\/p>\n \n– b\u0103ncile sunt mai interesate dec\u00e2t \u00een 2014 de v\u00e2nzarea de active, dar \u00een majoritatea cazurilor este vorba de credite neperformante;<\/p>\n \n– gestionarea riscurilor \u015fi \u00een special riscul reputa\u0163ional ocup\u0103 primele dou\u0103 locuri pe agenda b\u0103ncilor;<\/p>\n \n– politicile de creditare se vor relaxa par\u0163ial \u00een agricultur\u0103, industrie, IT, s\u0103n\u0103tate \u015fi pe segmentul IMM-urilor;<\/p>\n \n– peste 80% din b\u0103nci se a\u015fteapt\u0103 ca cheltuielile cu provizioanele de risc de credit s\u0103 nu creasc\u0103 sau chiar s\u0103 scad\u0103 (40%);<\/p>\n \n– peste 90% din b\u0103nci se a\u015fteapt\u0103 ca rezultatele financiare s\u0103 se \u00eembun\u0103t\u0103\u0163easc\u0103, fa\u0163\u0103 de 80% \u00een 2014;<\/p>\n \n– anumite ini\u0163iative legislative pe zona consumatorilor \u015fi modul \u00een care sunt promovate pot afecta disciplina financiar\u0103 \u015fi transmite mesaje eronate despre practicile b\u0103ncilor.<\/p>\n","protected":false},"excerpt":{"rendered":" B\u0103ncile estimeaz\u0103 o cre\u015ftere a cererii pentru credite imobiliare \u015fi de consum, \u00een acest an, potrivit unui sondaj efectuat de EY Rom\u00e2nia, \u00een baza unui parteneriat cu Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB).<\/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":[7267,485],"class_list":["post-122140","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-credite"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/122140","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=122140"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/122140\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=122140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=122140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=122140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}