\nZlotul polonez se situeaz\u0103 la cea mai sc\u0103zut\u0103 valoare din 12 ani \u00een raport cu euro. \u00cen spatele devaloriz\u0103rii se afl\u0103 par\u0163ial modul de gestionare a pandemiei de c\u0103tre guvernul \u0163\u0103rii, \u00eens\u0103 o a\u015fteptat\u0103 decizie privitoare la creditele \u00een franci elve\u0163ieni are de asemenea o \u00eensemn\u0103tate ridicat\u0103, noteaz\u0103 Deutsche Welle.<\/p>\n
\nPolonia este ultima \u0163ar\u0103 care \u00eencearc\u0103 s\u0103 solu\u0163ioneze aceast\u0103 problem\u0103, dup\u0103 ce Ungaria, Croa\u0163ia \u015fi alte \u0163\u0103ri au g\u0103sit o rezolvare.<\/p>\n
\n\u00cen 2019, Curtea European\u0103 de Jus\u00adti\u0163ie a decis \u00een favoarea debitorilor po\u00adlo\u00adnezi care luaser\u0103 credite \u00een franci el\u00adve\u00ad\u0163ieni de la b\u0103ncile poloneze. Astfel, ace\u015ftia puteau cere in\u00adstan\u0163elor con\u00advertirea creditelor \u00een moneda loca\u00adl\u0103, iar mii de oameni au f\u0103cut acest lu\u00adcru.<\/p>\n
\nTotu\u015fi, deciziile luate la nivelul in\u00ads\u00adtan\u0163elor poloneze difer\u0103 \u00een ceea ce pri\u00adve\u015fte capacitatea b\u0103ncilor de a per\u00adcepe comisioane clien\u0163ilor pentru utili\u00adza\u00adrea capitalului pe perioada cre\u00addi\u00adtu\u00adlui acum invalidat \u015fi aplic\u0103rii do\u00adb\u00e2nzii Wibor sau Libor pe franci elve\u0163ieni.<\/p>\n
\nAmbele aspect urmeaz\u0103 s\u0103 fie clarificate de deciziile ce vor fi pro\u00adnun\u00ad\u0163ate de Curtea Suprem\u0103 pe 13 aprilie.<\/p>\n
\nP\u00e2n\u0103 acum, sectorul nu a fost dispus s\u0103 caute un compromis. Deciziile Cur\u0163ii vor determina costurile poten\u0163iale pentru sectorul bancar. Anali\u015ftii estimeaz\u0103 c\u0103 aceste costuri vor fi cuprinse \u00eentre 30 mld. de zlo\u0163i (6,6 mld. euro) \u015fi 60 miliarde de zlo\u0163i.<\/p>\n
\n\u201eO decizie nefavorabil\u0103 b\u0103ncilor ar putea provoca un adev\u0103rat cu\u00adtre\u00admur pentru sistemul bancar \u015fi poate pentru \u00een\u00adtreaga economie\u201c, aver\u00adti\u00adzea\u00adz\u0103 Michal Kaczmarzyk, partener \u00een ca\u00addrul firmei de avocatur\u0103 Con\u00adsilius Adokaci i Radcy Prawni. Acesta esti\u00admeaz\u0103 pierderi cuprinse \u00eentre 35 mi\u00adliarde \u015fi 235 mld. de zlo\u0163i pentru b\u0103nci.<\/p>\n
\nO decizie de a li se permite b\u0103ncilor s\u0103 perceap\u0103 o dob\u00e2nd\u0103 Wibor ar fi una benefic\u0103 din punct de vedere politic pentru partidul polonez de guvern\u0103m\u00e2nt Lege \u015fi Justi\u0163ie, potrivit lui Piotr Bialowolski, profesor la Universitatea WSB din Polonia.<\/p>\n
\nO astfel de decizie nu ar crea un risc sistemic imediat pentru sectorul bancar, remarc\u0103 acesta.<\/p>\n
\nBialowolski arat\u0103 c\u0103 nu se a\u015fteapt\u0103 la consecin\u0163e majore pentru economie. \u201eB\u0103ncile poloneze se num\u0103r\u0103 cele cu cea mai solid\u0103 pozi\u0163ie din Europa. \u00cen plus, impactul acestei decizii va fi resim\u0163it pe mai mul\u0163i ani, ceea ce ar trebui s\u0103 permit\u0103 b\u0103ncilor s\u0103 atenueze lovitura\u201c.<\/p>\n
\nUn canal prin care ar putea fi resim\u0163it un efect este cel al pre\u0163urilor ac\u0163iunilor b\u0103ncilor. Valorizarea acestora va sc\u0103dea probabil, iar asta s-ar putea reflecta \u00een valoarea economiilor pentru pensii, se teme Bialowolski.<\/p>\n
\n <\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Zlotul polonez se situeaz\u0103 la cea mai sc\u0103zut\u0103 valoare din 12 ani \u00een raport cu euro.<\/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":[18374,7267,29],"class_list":["post-192717","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-autoritati-locale","tag-banci","tag-polonia"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/192717","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=192717"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/192717\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=192717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=192717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=192717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}