{"id":158570,"date":"2018-03-12T16:16:59","date_gmt":"2018-03-12T16:16:59","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=158570"},"modified":"2018-03-12T16:16:59","modified_gmt":"2018-03-12T16:16:59","slug":"legea-plafonarii-dobanzilor-a-deschis-cutia-pandorei-bancherii-dau-vina-pe-romani-ca-au-asteptari-irationale-de-la-banci","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=158570","title":{"rendered":"Legea plafon\u0103rii dob\u00e2nzilor a deschis cutia Pandorei: Bancherii dau vin\u0103 pe rom\u00e2ni c\u0103 au a\u015ftept\u0103ri \u201dira\u0163ionale\u201d de la b\u0103nci."},"content":{"rendered":"<div>\nARB sus\u0163ine c\u0103 nemul\u0163umirea rom\u00e2nilor fa\u0163\u0103 de dob\u00e2nzile la credite porne\u015fte de la un&nbsp; populism alimentat de promisiuni false \u015fi de la o educa\u0163ie financiar\u0103 precar\u0103, clien\u0163ii av\u00e2nd a\u015ftept\u0103ri nerealiste de la b\u0103nci.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u201dCercul vicios al populismului pleac\u0103 de la promisiuni false care duc automat la a\u015ftept\u0103ri nerealiste, nemu\u0163umiri, situa\u0163ii conflictuale, procese \u00een instan\u0163\u0103 finalizate cu dezam\u0103gire. Aceasta duce la lips\u0103 de \u00eencredere \u00een sistemul bancar \u015fi la autoexcludere financiar\u0103 de tipul &lt;nu m\u0103 mai ating de credite&gt;\u201d, a declarat Sergiu Oprescu, Pre\u015fedinte al Consiliului Director al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor \u015fi Pre\u015fedinte executiv Alpha Bank, \u00een cadrul unui eveniment desf\u0103\u015furat luni la Institutul Bancar Rom\u00e2n, \u00eentrebat care ar fi o variant\u0103 viabil\u0103 a plafon\u0103rii dob\u00e2nzilor, \u00een contextul actual al populismului.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nEl spune c\u0103, pe fondul unei educa\u0163ii financiare precare, a\u015ftept\u0103rile ira\u0163ionale \u201educ la nemul\u0163umiri fa\u0163\u0103 de ceea ce exist\u0103 \u00een prezent\u201d.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nBancherul lanseaz\u0103 un \u201davertisment\u201d la adresa clien\u0163ilor nemul\u0163umi\u0163i de condi\u0163iile primite, d\u00e2nd chiar exemplul legii d\u0103rii \u00een plat\u0103, unde \u00eenc\u0103 sunt \u201dmulte cazuri \u00eenc\u0103 \u00een instan\u0163\u0103\u201d.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u201eSitua\u0163iile conflictuale sunt rezolvate \u00een instan\u0163\u0103 cu o mare dezam\u0103gire pentru cei care le ini\u0163iaz\u0103. Dac\u0103 discuta\u0163i cu cei care au ini\u0163iat aceste lucruri, ve\u0163i observa o nemul\u0163umire foarte mare. Aceast\u0103 dezam\u0103gire duce la accentuarea lipsei de \u00eencredere \u00een sistem. Ea duce la un fel de autoexcludere financiar\u0103 de tipul \u2013 nu m\u0103 mai ating de credite. \u00cen secolul 21 nu e at\u00e2t de bine s\u0103 faci asta\u201d.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n<a href=\"http:\/\/www.zf.ro\/banci-si-asigurari\/legea-plafonarii-dobanzilor-deschis-cutia-pandorei-bancherii-dau-vina-romani-au-asteptari-irationale-banci-sergiu-oprescu-presedintele-arb-totul-pleaca-educatie-financiara-precara-duce-asteptari-17058914\">Cititi mai multe pe www.mediafax.ro<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Legea plafon\u0103rii dob\u00e2nzilor a iscat o nou\u0103 ofensiv\u0103 \u00een r\u00e2ndul b\u0103ncilor, care acuz\u0103 c\u0103 o eventual\u0103 plafonare ar duce la sc\u0103derea credit\u0103rii \u015fi a consumului, ar afecta investi\u0163iile \u015fi, \u00een final, ar duce la o atenuare a cre\u015fterii economice.<\/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":[10637,14742,4124,7267,9817,557,83,187,527,173],"class_list":["post-158570","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acuzatii","tag-asteptari","tag-bancheri","tag-banci","tag-consum","tag-creditare","tag-deschidere","tag-dobanzi","tag-lege","tag-romani"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158570","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=158570"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/158570\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}