{"id":1354,"date":"2005-11-22T17:15:00","date_gmt":"2005-11-22T17:15:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=1354"},"modified":"2026-04-02T07:21:20","modified_gmt":"2026-04-02T07:21:20","slug":"solutii-alternative","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=1354","title":{"rendered":"Solutii alternative"},"content":{"rendered":"<p><SPAN class=text>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify>In varianta ca bancile nu vor mai acorda credite in valuta, se vor gasi cu siguranta alte companii care sa o faca. TBI Credit, o societate de credite de consum, are o pondere de 40% din totalul creditelor acordate in valuta. <\/P>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify>&nbsp;<\/P>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify><STRONG>INDEPENDENTA:<\/STRONG> Nefiind banca, societatea nu se supune restrictiilor bancii centrale, dar si daca ar trebui s-o faca, \u0084tot am continua sa dam credite in valuta\u0093, explica managerul general Traian Baicu. Chiar daca asta ar presupune o majorare a capitalului social (in perspectiva supravegherii societatii de catre BNR), \u0084mentinem oferta de credite in euro\u0093. <\/P><?xml:namespace prefix = o ns = \"urn:schemas-microsoft-com:office:office\" \/><o:p><FONT face=Times><SPAN class=text><SPAN class=text>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify><o:p><FONT face=Times>&nbsp;<\/FONT><\/o:p><\/P>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify><\/SPAN><STRONG>AUTOREGLARE:<\/STRONG> Baicu spune ca situatia creditului de consum in valuta este \u0084reglata de piata\u0093, pentru ca imprumuturi de consum in valuta se iau mai mult pentru IT si electronice si mai putin pentru alte destinatii (gen mobilier si accesorii, care detin aproximativ 43% din portofoliul companiei). <\/P>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify><o:p><FONT face=Times>&nbsp;<\/FONT><\/o:p><\/P>  <P class=MsoNormal style=\"MARGIN: 0in 0in 0pt\" align=justify><STRONG>CINE <?xml:namespace prefix = st1 ns = \"urn:schemas-microsoft-com:office:smarttags\" \/><st1:State>IA<\/st1:State> CREDITE:<\/STRONG> Clientii companiei sunt, in genere, \u0084clienti cu venituri foarte mici spre medii\u0093, explica Baicu, dar cu toate astea, \u0084rata de default este mica, doar 100 de dosare din 40.000\u0093.<\/P><\/SPAN><\/FONT><\/o:p><\/SPAN><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In varianta ca bancile nu vor mai acorda credite in valuta, se vor gasi cu siguranta alte companii care sa o faca. TBI Credit, o societate de credite de consum, are o pondere de 40% din totalul creditelor acordate in valuta. <\/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":[899],"class_list":["post-1354","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-solutii-alternative"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/1354","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=1354"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/1354\/revisions"}],"predecessor-version":[{"id":22846,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/1354\/revisions\/22846"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}