{"id":181294,"date":"2020-03-24T20:04:45","date_gmt":"2020-03-24T20:04:45","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=181294"},"modified":"2020-03-24T20:04:45","modified_gmt":"2020-03-24T20:04:45","slug":"bnr-a-creat-cadrul-legislativ-pentru-amanarea-la-plata-a-ratelor-creditele-nu-trebuie-reclasificate-iar-institutia-bancara-nu-trebuie-sa-constituie-provizioanele-pe-sumele-datorate-ca-urmare-a-rest","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=181294","title":{"rendered":"BNR a creat cadrul legislativ pentru am\u00e2narea la plat\u0103 a ratelor: Creditele nu trebuie reclasificate, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii"},"content":{"rendered":"<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\nAm\u00e2narea la plat\u0103 (urmare a unei m\u0103suri generale sau prin negocieri directe cu clien\u0163ii), determinat\u0103 de situa\u0163ia actual\u0103, nu trebuie asociat\u0103 unei no\u0163iuni de dificultate financiar\u0103 a debitorului. \u00cen consecin\u0163\u0103,creditul nu trebuie reclasificat, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii, a decis Banca Na\u0163ional\u0103.<\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Astfel, de\u015fi defini\u0163ia st\u0103rii de nerambursare presupune orice opera\u0163iune de restructurare a unui credit \u015fi trebuie asociat\u0103 no\u0163iunii de dificultate financiar\u0103, \u00een situa\u0163ia unui moratoriu (am\u00e2nare de plat\u0103) privat sau public, o astfel de opera\u0163iune nu este apreciat\u0103 ca o m\u0103sur\u0103 de restructurare, pentru c\u0103 nu a avut loc din cauza unei dificult\u0103\u0163i financiare a debitorului, a transmis BNR.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Vede\u0163i aici comunicatul BNR integral:<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">&nbsp;<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Comitetul de Supraveghere al B\u0103ncii Na\u0163ionale a Rom\u00e2niei, \u00eentrunit \u00een \u015fedin\u0163\u0103 de urgen\u0163\u0103, a clarificat modul \u00een care b\u0103ncile \u015fi IFN-urile din Rom\u00e2nia trebuie s\u0103 aplice reglement\u0103rile \u00een vigoare \u00een contextul pandemiei cu COVID 19. Astfel, BNR va face uz de flexibilit\u0103\u0163ile cadrului normativ astfel \u00eenc\u00e2t persoanele \u015fi companiile cu credite s\u0103 poat\u0103 fi ajutate at\u00e2t de b\u0103nci c\u00e2t \u015fi de institu\u0163ii financiare nebancare \u00een perioada urm\u0103toare.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Am\u00e2narea la plat\u0103 (urmare a unei m\u0103suri generale sau prin negocieri directe cu clien\u0163ii), determinat\u0103 de situa\u0163ia actual\u0103, nu trebuie asociat\u0103 unei no\u0163iuni de dificultate financiar\u0103 a debitorului. \u00cen consecin\u0163\u0103,creditul nu trebuie reclasificat, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Astfel, de\u015fi defini\u0163ia st\u0103rii de nerambursare presupune orice opera\u0163iune de restructurare a unui credit \u015fi trebuie asociat\u0103 no\u0163iunii de dificultate financiar\u0103, \u00een situa\u0163ia unui moratoriu (am\u00e2nare de plat\u0103) privat sau public, o astfel de opera\u0163iune nu este apreciat\u0103 ca o m\u0103sur\u0103 de restructurare, pentru c\u0103 nu a avut loc din cauza unei dificult\u0103\u0163i financiare a debitorului.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Reglement\u0103rile actuale permit \u00eemprumut\u0103torilor (institu\u0163ii bancare \u015fi nebancare) s\u0103 am\u00e2ne la plat\u0103 creditele oric\u0103rei persoane fizice afectate de pandemia COVID\u201119, f\u0103r\u0103 aplicarea condi\u0163iilor prev\u0103zute de&nbsp;<i>Regulamentul BNR nr.17\/2012 privind unele condi\u0163ii de creditare, cu modific\u0103rile ulterioare,<\/i>&nbsp;privind gradul de \u00eendatorare, limitarea creditului func\u0163ie de valoarea garan\u0163iei \u015fi durata maxim\u0103 a creditului de consum.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<b><span font-family:=\"\" font-size:=\"\" romhelv=\"\">\u00cen ceea ce prive\u015fte institu\u0163iile de credit,<\/span><\/b><span font-family:=\"\" font-size:=\"\" romhelv=\"\">&nbsp;Banca Na\u0163ional\u0103 a Rom\u00e2niei men\u0163ioneaz\u0103 c\u0103, m\u0103surile de sus\u0163inere a debitorilor vor fi reflectate \u00een situa\u0163iile b\u0103ncilor \u00een mod similar cu practica la nivel UE, prin aplicarea \u00een mod unitar a cadrului european de reglementare \u00een domeniile pruden\u0163ial \u015fi contabil.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Cadrul de reglementare pruden\u0163ial con\u0163ine o serie de instrumente special create pentru situa\u0163ii precum cea pe care o travers\u0103m \u00een prezent, \u00een scopul asigur\u0103rii condi\u0163iilor pentru dep\u0103\u015firea perioadelor dificile cu men\u0163inerea s\u0103n\u0103t\u0103\u0163ii financiare a b\u0103ncilor.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Astfel, \u00een perioadele anterioare, b\u0103ncile au constituit amortizoare de capital potrivit reglement\u0103rilor europene \u015fi na\u0163ionale adoptate de Banca Na\u0163ional\u0103 a Rom\u00e2niei \u00een baza recomand\u0103rilor Comitetului Na\u0163ional pentru Supraveghere Macropruden\u0163ial\u0103.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Dat fiind contextul actual, Banca Na\u0163ional\u0103 a Rom\u00e2niei a decis s\u0103 permit\u0103 b\u0103ncilor s\u0103 utilizeze temporar (p\u00e2n\u0103 la o dat\u0103 ce va fi comunicat\u0103 ulterior) amortizoarele de capital anterior constituite, cu men\u0163inerea respect\u0103rii cerin\u0163elor prev\u0103zute de cadrul legal pentru aceste flexibiliz\u0103ri. Adaptarea la noile condi\u0163ii a amortizoarelor de capital sprijin\u0103 b\u0103ncile \u00een a-\u015fi men\u0163ine rolul de suport al economiei reale.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Totodat\u0103, conform cadrului de reglementare, b\u0103ncile au constituit \u015fi men\u0163inut rezerve de lichiditate care pot fi utilizate pentru a face fa\u0163\u0103 unei cereri m\u0103rite de lichiditate pe parcursul unei situa\u0163ii de criz\u0103. Astfel, \u00een linie cu ac\u0163iunile \u00eentreprinse \u00een acest sens la nivel european, BNR permite b\u0103ncilor ne\u00eencadrarea \u00een nivelul minim al indicatorului de lichiditate, cu scopul utiliz\u0103rii acestor rezerve pentru a contribui la o bun\u0103 func\u0163ionare a sectorului bancar \u015fi a ajuta b\u0103ncile \u00een asigurarea de lichidit\u0103\u0163i suficiente firmelor \u015fi popula\u0163iei.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Institu\u0163iilor de credit li se va comunica modul \u00een care poate fi utilizat\u0103 flexibilitatea cadrului pruden\u0163ial pentru a reflecta m\u0103surile de am\u00e2nare la plat\u0103 \u00eentr-un mod care s\u0103 urm\u0103reasc\u0103 totodat\u0103 men\u0163inerea s\u0103n\u0103t\u0103\u0163ii financiare a sectorului bancar astfel \u00eenc\u00e2t acesta s\u0103 poat\u0103 continua s\u0103 furnizeze sprijin economiei reale.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">\u00cen condi\u0163iile \u00een care o institu\u0163ie de credit negociaz\u0103 o m\u0103sur\u0103 de am\u00e2nare la plat\u0103, pe baz\u0103 individual\u0103, nelegat\u0103 de situa\u0163ia pandemiei COVID 19, o astfel de opera\u0163iune trebuie clasificat\u0103 ca restructurare.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Institu\u0163iile de credit trebuie s\u0103 continue s\u0103 evalueze, \u00een mod adecvat, calitatea tuturor expunerilor din credite pentru identificarea indiciilor de improbabilitate de plat\u0103.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">BNR va evalua, la r\u00e2ndul ei, \u00een mod permanent, situa\u0163ia fiec\u0103rei b\u0103nci \u015fi, \u00een func\u0163ie de evolu\u0163ia impactului generat de pandemia COVID-19, va lua m\u0103surile ce se impun.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Aceste interpret\u0103ri legate de starea de nerambursare \u00een condi\u0163iile pandemiei de COVID 19, se bazeaz\u0103 pe prevederile Ghidului EBA GL\/2016\/07, fiind agreate cu Autoritatea Bancar\u0103 European\u0103 (European Banking Authority &#8211; EBA). Ele creeaz\u0103 premisele pentru sprijinirea clien\u0163ilor cu credite \u00een curs de derulare \u015fi facilitarea accesului la noi linii de finan\u0163are, cu men\u0163inerea \u00een limite acceptabile a bonit\u0103\u0163ii institu\u0163iilor financiare.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<b><span font-family:=\"\" font-size:=\"\" romhelv=\"\">\u00cen ceea ce prive\u015fte institu\u0163iile financiare nebancare<\/span><\/b><span font-family:=\"\" font-size:=\"\" romhelv=\"\">&nbsp;\u00eenscrise \u00een Registrul general, Banca Na\u0163ional\u0103 a Rom\u00e2niei confirm\u0103 acestor \u00eemprumut\u0103tori c\u0103 restructur\u0103rile creditelor acordate persoanelor afectate \u00een mod negativ de pandemia COVID-19, prin mecanismul suspend\u0103rii\/\u00eenghe\u0163\u0103rii pe o perioad\u0103 determinat\u0103 a pl\u0103\u0163ilor scadente, nu atrag \u00een mod automat necesitatea constituirii de provizioane specifice de risc de credit, \u00een considerarea faptului c\u0103 acest mecanism nu va implica acumularea de zile de \u00eent\u00e2rziere la plata ratei de credit.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">\u00cen plus, \u00een cazul institu\u0163iilor financiare nebancare \u00eenscrise \u00een Registrul special, care sunt supuse unor cerin\u0163e suplimentare de pruden\u0163\u0103 \u00een ceea ce prive\u015fte regimul restructur\u0103rilor de credite, banca central\u0103 confirm\u0103 acestor creditori c\u0103 restructurarea creditelor persoanelor afectate de pandemia COVID-19 nu determin\u0103 clasificarea automat\u0103 a respectivelor \u00eemprumuturi \u00eentr-o categorie inferioar\u0103 de risc de credit \u015fi, implicit, nici cerin\u0163e suplimentare de provizionare.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Banca Na\u0163ional\u0103 a Rom\u00e2niei, \u00een calitate de autoritate de supraveghere a institu\u0163iilor financiare nebancare \u00eenscrise \u00een Registrul special, confirm\u0103 acestor entit\u0103\u0163i c\u0103, din perspectiva cerin\u0163elor referitoare la adecvarea nivelului fondurilor proprii de care acestea dispun, ne\u00eencadrarea temporar\u0103 \u00een limitele aplicabile referitoare la expuneri din credite, potrivit Regulamentului BNR nr.20\/2009 privind institu\u0163iile financiare nebancare, cu modific\u0103rile ulterioare, \u00een cazul \u00een care este generat\u0103 de aplicarea de c\u0103tre creditor a unor m\u0103suri de sprijinire a debitorilor sau de stimulare a credit\u0103rii \u00een contextul pandemiei COVID 19, reprezint\u0103 un caz excep\u0163ional \u015fi bine justificat, pentru care, conform reglementarilor, IFN afectate vor notifica BNR pentru agrearea unui termen de re\u00eencadrare \u00een nivelurile prev\u0103zute de cadrul normativ specific.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Banca Na\u0163ional\u0103 a Rom\u00e2niei va transmite scrisori de informare tuturor creditorilor (institu\u0163ii bancare \u015fi institu\u0163ii financiare nebancare) prin care li se va confirma posibilitatea restructur\u0103rii creditelor debitorilor \u015fi modalitatea de aplicare a reglement\u0103rilor \u00een vigoare, potrivit celor de mai sus.<\/span><\/p>\n<p 0cm=\"\" background-clip:=\"\" background-image:=\"\" background-origin:=\"\" background-position:=\"\" background-repeat:=\"\" background-size:=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" margin:=\"\" new=\"\" text-align:=\"\" times=\"\" vertical-align:=\"\">\n<span font-family:=\"\" font-size:=\"\" romhelv=\"\">Referitor la sprijinul guvernamental sub forma garan\u0163iilor pentru sus\u0163inerea \u00een continuare a credit\u0103rii, Banca Na\u0163ional\u0103 a Rom\u00e2niei va colabora cu autorit\u0103\u0163ile statului pentru ca respectivele garan\u0163ii s\u0103 \u00eendeplineasc\u0103 condi\u0163iile reglement\u0103rilor pruden\u0163iale bancare aplicabile la nivelul Uniunii Europene \u00een scopul diminu\u0103rii cerin\u0163elor de capital, astfel \u00eenc\u00e2t poten\u0163ialul de finan\u0163are al institu\u0163iilor de credit s\u0103 creasc\u0103.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Am\u00e2narea la plat\u0103 (urmare a unei m\u0103suri generale sau prin negocieri directe cu clien\u0163ii), determinat\u0103 de situa\u0163ia actual\u0103, nu trebuie asociat\u0103 unei no\u0163iuni de dificultate financiar\u0103 a debitorului. \u00cen consecin\u0163\u0103,creditul nu trebuie reclasificat, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii, a decis Banca Na\u0163ional\u0103. Astfel, de\u015fi defini\u0163ia [&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],"tags":[185,485,93,80,7581],"class_list":["post-181294","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bnr","tag-credite","tag-plati","tag-refuz","tag-restructurare"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/181294","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=181294"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/181294\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=181294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=181294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=181294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}