{"id":165488,"date":"2018-10-23T12:28:02","date_gmt":"2018-10-23T12:28:02","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=165488"},"modified":"2018-10-23T12:28:02","modified_gmt":"2018-10-23T12:28:02","slug":"cum-s-a-schimbat-mentalitatea-romanilor-in-urma-cu-numai-16-ani-a-lua-un-credit-era-ceva-total-neobisnuit-acum-majoritatea-achizitiilor-personale-majore-sunt-finantate-de-banci","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=165488","title":{"rendered":"Cum s-a schimbat mentalitatea rom\u00e2nilor: \u00een urm\u0103 cu numai 16 ani, a lua un credit era ceva total neobi\u015fnuit. Acum majoritatea achizi\u0163iilor personale majore sunt finan\u0163ate de b\u0103nci"},"content":{"rendered":"<p>\nS\u0103 iei un credit de la banc\u0103 pentru a cump\u0103ra o cas\u0103 este unul dintre cele mai fire\u015fti lucruri \u00een Rom\u00e2nia, \u00eens\u0103 \u00een urm\u0103 cu numai 16 ani, c\u00e2nd a ap\u0103rut primul credit ipotecar, a lua bani cu \u00eemprumut de la o institu\u0163ie financiar\u0103 era ceva neobi\u015fnuit. \u00cen prezent b\u0103ncile rom\u00e2ne\u015fti dau cu \u00eemprumut popula\u0163iei \u015fi companiilor credite de peste 1,3 miliarde de euro pe lun\u0103. Cine sunt oamenii care au pus um\u0103rul la construirea sistemului bancar rom\u00e2nesc, prin ce schimb\u0103ri a trecut acesta de-a lungul anilor \u015fi ce va urma pentru b\u0103ncile din Rom\u00e2nia?<\/p>\n<p>\nMomentul cheie pentru sistemul bancar rom\u00e2nesc a fost sf\u00e2r\u015fitul anului 1990, c\u00e2nd s-au pus bazele unei legisla\u0163ii care s\u0103 permit\u0103 dezvoltarea unui sistem bancar modern dup\u0103 modelul occidental. Concret, acest lucru a \u00eensemnat o separare bine definit\u0103 \u00eentre rolul B\u0103ncii Na\u0163ionale a Rom\u00e2niei (BNR) \u015fi rolul b\u0103ncilor comerciale. BNR, care p\u00e2n\u0103 la momentul respectiv era \u015fi un juc\u0103tor comercial, a fost reorganizat\u0103, fiindu-i atribuit\u0103 exclusiv responsabilitatea de a conduce politica monetar\u0103 a \u0163\u0103rii.<\/p>\n<p>\n<a href=\"https:\/\/www.businessmagazin.ro\/analize\/servicii-financiare\/drumul-pana-la-credite-de-peste-1-3-miliarde-de-euro-pe-luna-17561572\" target=\"_blank\"><span style=\"color:#ff0000;\"><span style=\"font-size:14px;\"><strong>Cum s-a schimbat mentalitatea rom\u00e2nilor: \u00een urm\u0103 cu numai 16 ani, a lua un credit era ceva total neobi\u015fnuit. Acum majoritatea achizi\u0163iilor personale majore sunt finan\u0163ate de b\u0103nci&nbsp;<\/strong><\/span><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0103 iei un credit de la banc\u0103 pentru a cump\u0103ra o cas\u0103 este unul dintre cele mai fire\u015fti lucruri \u00een Rom\u00e2nia, \u00eens\u0103 \u00een urm\u0103 cu numai 16 ani, c\u00e2nd a ap\u0103rut primul credit ipotecar, a lua bani cu \u00eemprumut de la o institu\u0163ie financiar\u0103 era ceva neobi\u015fnuit. \u00cen prezent b\u0103ncile rom\u00e2ne\u015fti dau cu \u00eemprumut popula\u0163iei [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,7208],"tags":[236,7267,34442,82,5078,185,5453,201,314,7736,8753,485,246,470,20541,11056,183,31847,161,33919,6266,7177,7383,98,4895,8037,32958],"class_list":["post-165488","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-servicii-financiare","tag-banca","tag-banci","tag-banci-romanesti","tag-bani","tag-bcr","tag-bnr","tag-casa","tag-companii","tag-construire","tag-credit","tag-credit-ipotecar","tag-credite","tag-crestere","tag-cumparare","tag-drum","tag-financiar","tag-imprumut","tag-institutie","tag-miliarde","tag-neobisnuit","tag-oameni","tag-populatie","tag-prezentare","tag-romania","tag-schimbari","tag-sistem-bancar","tag-trecere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/165488","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=165488"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/165488\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=165488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=165488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=165488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}