\nMiza schimb\u0103rilor climatice este ridicat\u0103 \u015fi pentru sec\u00adto\u00adrul bancar, at\u00e2t din pers\u00adpec\u00adtiva oportunit\u0103\u0163ilor de afa\u00adceri, c\u00e2t \u015fi a cuantu\u00admu\u00adlui \u00eensemnat al activelor la risc aflate \u00een por\u00adtofoliu, astfel c\u0103 circa 50% dintre creditele bancare acordate pot fi afectate de noua legisla\u0163ie bancar\u0103 privind finan\u0163\u0103rile pe care o va aduce pe pia\u0163a din Rom\u00e2nia agenda privind schimb\u0103rile climatice \u015fi investi\u0163iile verzi, afirm\u0103 Florian Neagu, director adjunct al Direc\u0163iei de Stabilitate Financiar\u0103 din cadrul BNR.<\/p>\n
\nP\u00e2n\u0103 la finalul acestui an, vor fi trei ini\u00ad\u0163iative \u00een acest sens, dup\u0103 cum spune el, iar una dintre ele este \u015fi o schimbare legislativ\u0103.<\/p>\n
\n\u201eVom analiza \u00een ce m\u0103sur\u0103 reglemen\u00adt\u0103rile pruden\u0163iale vor putea fi ajustate astfel \u00eenc\u00e2t finan\u0163area verde s\u0103 aib\u0103 un regim mai lax comparativ cu restul finan\u0163\u0103rilor, dar f\u0103r\u0103 afectarea stabilit\u0103\u0163ii financiare. Vom analiza \u015fi dac\u0103 riscul de credit este mai mic pentru finan\u0163\u0103rile verzi, vom avea argumente \u015fi ca cerin\u0163ele de capital pe Pilonul II s\u0103 fie mai mici pentru riscul de credit, ceea ce va im\u00adpul\u00adsiona finan\u0163\u0103rile proiectelor verzi \u015fi va sc\u0103\u00addea \u015fi costul pentru clien\u0163i. Pen\u00adtru aceste norme, ter\u00adme\u00adnul pe care \u00eel avem este sf\u00e2r\u00ad\u015fitul acestui an, deci \u00een mai pu\u0163in de \u015fase luni\u201c, a declarat Florian Neagu \u00een ca\u00addrul emisiunii de busi\u00adness ZF Live.<\/p>\n
\nDe altfel, riscurile aduse de agenda pri\u00advind schimb\u0103rile cli\u00adma\u00adtice \u015fi tranzi\u0163ia c\u0103\u00adtre o econo\u00admie mai ver\u00adde se ma\u00adnifes\u00adt\u0103 deja, in\u00addi\u00adrect, \u00een Rom\u00e2\u00adnia. Getica 95, cea mai mare com\u00adpanie din co\u00admer\u0163ul cu ener\u00adgie, un busi\u00adness de 1,5 miliarde de lei, a cerut intrarea \u00een insol\u00adven\u00ad\u0163\u0103 dup\u0103 ce pre\u0163ul ener\u00adgiei este la un nivel record de mai mult de dou\u0103 luni din cauza exploziei certifi\u00adcatelor de emisii.<\/p>\n
\nVulnerabilit\u0103\u0163ile aduse de o preg\u0103tire necorespunz\u0103toare de c\u0103tre b\u0103nci a efectelor tranzi\u0163iei c\u0103tre o economie mai verde pot fi ridicate. Conform calculelor grupului de lucru din Comitetului Na\u0163ional de Suprave\u00adgherea Macropruden\u0163ial\u0103 (CNSM), aproape 50% din creditele acordate de b\u0103nci seg\u00admentului corporativ sunt c\u0103tre firme din domenii care pot fi afectate de schimb\u0103rile climatice.<\/p>\n
\n\u201e\u00cen portofoliul b\u0103n\u00adcilor, creditele date c\u0103tre fir\u00adme din sectoare car\u00adbon-intensive au o pon\u00addere important\u0103, aproa\u00adpe 50% din portofoliul cor\u00adporate al b\u0103ncilor. Ponderea cre\u00additelor verzi din bilan\u0163urile b\u0103ncilor noastre are spa\u0163iu semni\u00adficativ de \u00eembun\u0103\u00adt\u0103\u00ad\u0163ire. Acum, aceast\u0103 pondere este undeva sub 3% din totalul activelor, circa 1 mld. euro, \u00een timp ce media european\u0103 este undeva la 8%\u201c, a ad\u0103ugat Florian Neagu.<\/p>\n","protected":false},"excerpt":{"rendered":"
Miza schimb\u0103rilor climatice este ridicat\u0103 \u015fi pentru sec\u00adto\u00adrul bancar, at\u00e2t din pers\u00adpec\u00adtiva oportunit\u0103\u0163ilor de afa\u00adceri, c\u00e2t \u015fi a cuantu\u00admu\u00adlui \u00eensemnat al activelor la risc aflate \u00een por\u00adtofoliu, astfel c\u0103 circa 50% dintre creditele bancare acordate pot fi afectate de noua legisla\u0163ie bancar\u0103 privind finan\u0163\u0103rile pe care o va aduce pe pia\u0163a din Rom\u00e2nia agenda privind schimb\u0103rile climatice \u015fi investi\u0163iile verzi, afirm\u0103 Florian Neagu, director adjunct al Direc\u0163iei de Stabilitate Financiar\u0103 din cadrul BNR.<\/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":[7267,185,485,49101,49103,49102,7207],"class_list":["post-195230","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-credite","tag-creditele-bancare","tag-finantarile-verzi","tag-legislatie-bancara","tag-reglementari"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195230","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=195230"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195230\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=195230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=195230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=195230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}