{"id":184469,"date":"2020-07-07T09:57:02","date_gmt":"2020-07-07T09:57:02","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=184469"},"modified":"2020-07-07T09:57:02","modified_gmt":"2020-07-07T09:57:02","slug":"populatia-tot-creditoare-neta-a-bancilor-romanii-imprumuta-bancile-de-mai-bine-de-8-ani-depozitele-retail-fiind-mai-mari-decat-creditele","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=184469","title":{"rendered":"Popula\u0163ia, tot creditoare net\u0103 a b\u0103ncilor. Rom\u00e2nii \u201e\u00eemprumut\u0103\u201c b\u0103ncile de mai bine de 8 ani, depozitele retail fiind mai mari dec\u00e2t creditele"},"content":{"rendered":"

\nPozi\u0163ia popula\u0163iei de creditor net \u00een valut\u0103 a continuat s\u0103 creasc\u0103 \u00een T1\/2020, ating\u00e2nd un record de 61 mld. lei.<\/strong><\/p>\n

\nRom\u00e2nii au fost \u015fi \u00een primul tri\u00admestru (T1) din 2020 cre\u00additori ne\u0163i \u00een raport cu b\u0103ncile, at\u00e2t \u00een lei, c\u00e2t \u015fi \u00een valut\u0103, iar ten\u00addin\u0163a este ascendent\u0103, \u00een condi\u0163iile avansului credit\u0103rii totale cu un ritm temperat \u015fi ale preferin\u0163ei popula\u0163iei pentru economisirea bancar\u0103.<\/p>\n

\nPozitia de creditor net a popu\u00adla\u0163i\u00adei a dep\u0103\u015fit valoarea de 75 mld. lei \u00een T1\/2020, dup\u0103 ce \u00een 2019 trecuse de 60 mld. lei, potrivit datelor BNR. Cre\u015fterea fa\u0163\u0103 de T1\/2019 este de peste 26%.<\/p>\n

\n\u201eUn aspect de natur\u0103 s\u0103 influen\u0163eze pozitiv capa\u00adcitatea popula\u0163iei de a face fa\u0163\u0103 unor con\u00addi\u0163ii nefavorabile este reprezentat de conso\u00adlida\u00adrea pozi\u0163iei de creditor net fa\u0163\u0103 de b\u0103nci, rit\u00admul real anual de cre\u015ftere a depozitelor ur\u00adm\u00e2nd un trend ascendent (9,8% la T1\/2020). \u00cen structur\u0103, se observ\u0103 cre\u015fterea \u00een continuare a pozi\u0163iei nete \u00een valut\u0103, dep\u0103\u015find de la un tri\u00admes\u00adtru la cel\u0103lalt valorile record \u00eenregistrate (61 mld. lei la martie 2020), ca urmare at\u00e2t a comporta\u00admen\u00adtu\u00adlui de econo\u00admi\u00adsire, in\u00adclusiv precaut, c\u00e2t \u015fi a reducerii credi\u00adt\u0103\u00adrii \u00een monede str\u0103i\u00adne\u201c, sus\u0163ine BNR \u00een cea mai recent\u0103 edi\u0163ie a raportu\u00adlui asupra stabi\u00adlit\u0103\u0163ii financiare.<\/p>\n

\nPozi\u0163ia de credi\u00adtor net \u00een valut\u0103 a popu\u00adla\u0163iei \u00eenregistreaz\u0103 o cre\u015f\u00adtere consistent\u0103, f\u0103c\u00e2nd un salt de 42% fa\u0163\u0103 de nivelul din primul trimestru din 2019, \u00een timp ce ascensiunea fa\u0163\u0103 de finalul anului 2019 este de peste 12%, p\u00e2n\u0103 la un record de 61 mld. lei, ni\u00advelul maxim al ultimilor 16 ani, potrivit datelor disponibile.<\/p>\n

\nPe de alt\u0103 parte, pozi\u0163ia de creditor net \u00een lei a sc\u0103zut cu 14,4% \u00een martie 2020 compa\u00adra\u00adtiv cu martie 2019, p\u00e2n\u0103 la  circa 14,2 mld. lei, deoarece creditele \u00een moneda na\u0163ional\u0103 cresc mai repede dec\u00e2t depozitele \u00een lei.<\/p>\n

\nPopula\u0163ia a devenit din anul 2012 creditor net al b\u0103ncilor dup\u0103 ce \u00een perioada de boom economic frenezia credit\u0103rii a f\u0103\u00adcut ca rom\u00e2nii s\u0103 fie net datori \u00een rela\u0163ia cu institu\u0163iile de credit, stocul depo\u00adzi\u00adtelor fiind egalat \u015fi apoi dep\u0103\u015fit cu pa\u015fi ra\u00adpizi de volumul creditelor. Criza eco\u00adno\u00admic\u0103 izbucnit\u0103 \u00een 2008\/2009 a apla\u00adtizat \u00eens\u0103 brusc dinami\u00adca credit\u0103rii, iar redresarea a fost lent\u0103 timp de mai mul\u0163i ani.<\/p>\n

\n\"\"<\/p>\n

\n\u00cen 2016, popula\u0163ia a redevenit pentru prima dat\u0103 dup\u0103 circa un deceniu creditor net pentru sectorul bancar pentru resursele \u00een moned\u0103 str\u0103in\u0103.<\/p>\n

\n\u00cemprumuturile pentru popula\u0163ie \u00een lei au fost \u00een ultimii ani motorul principal al credit\u0103rii, urc\u00e2nd preponderent cu ritmuri de dou\u0103 cifre.<\/p>\n

\nB\u0103ncile s-au bazat mai mult \u00een ultimii ani pe sursele de finan\u0163are locale, \u00een condi\u0163iile \u00een care au pierdut o parte din liniile de finan\u0163are de la b\u0103ncile-mam\u0103, linii care \u00een perioada de cre\u015ftere economic\u0103 au reprezentat principalul motor de sus\u0163inere a credit\u0103rii.<\/p>\n

\nInstitu\u0163iile de credit mizeaz\u0103 \u00een principal pe resursele atrase de la clien\u0163ii persoane fizice, care sunt mai stabile \u015fi care \u00een perioada de criz\u0103 au marcat o cre\u015ftere puternic\u0103, pe fondul unui comportament de consum mai prudent.<\/p>\n

\nBanca central\u0103 remarc\u0103 preferin\u0163a, \u00een continuare, a popula\u0163iei pentru investi\u0163iile sigure \u00een depozite \u015fi numerar, care reprezint\u0103 45% din total active \u00een decembrie 2019.<\/p>\n","protected":false},"excerpt":{"rendered":"

Rom\u00e2nii au fost \u015fi \u00een primul tri\u00admestru (T1) din 2020 cre\u00additori ne\u0163i \u00een raport cu b\u0103ncile, at\u00e2t \u00een lei, c\u00e2t \u015fi \u00een valut\u0103, iar ten\u00addin\u0163a este ascendent\u0103, \u00een condi\u0163iile avansului credit\u0103rii totale cu un ritm temperat \u015fi ale preferin\u0163ei popula\u0163iei pentru economisirea bancar\u0103.<\/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":[7267,185,46570,46569,32293,7631,21088,10266],"class_list":["post-184469","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-creditele","tag-creditoare","tag-depozitele","tag-imprumuturi","tag-populatia","tag-valuta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184469","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=184469"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/184469\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=184469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=184469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=184469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}