![\"\"](\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/20327137\/2\/1-interogari-anaf.jpg?height=298&width=640\")
<\/p>\n","protected":false},"excerpt":{"rendered":"\nApetitul popula\u0163iei \u015fi compa\u00adniilor pentru credite a sc\u0103zut puternic \u00een luna octombrie, dup\u0103 cum indic\u0103 reducerea num\u0103rului interog\u0103rilor de c\u0103tre b\u0103nci ale datelor ANAF pentru poten\u0163ialii clien\u0163i, o influen\u0163\u0103 venind pro\u00adba\u00adbil \u015fi de la scumpirile \u00een lan\u0163 din ultima pe\u00adrioa\u00add\u0103, \u00een special la energie, gaze \u015fi combustibili.<\/p>\n
\nIar acest declin al credit\u0103rii se vede \u00eena\u00adinte de introducerea certificatului verde, in\u00adclusiv \u00een b\u0103nci, astfel c\u0103 dup\u0103 introducerea obli\u00adgativit\u0103\u0163ii acestui certificat este posibil s\u0103 ve\u00addem o sc\u0103dere mai consistent\u0103 a credit\u0103rii \u00een sucursalele institu\u0163iilor de credit, av\u00e2nd \u00een ve\u00addere evolu\u0163ia lent\u0103 a procesului de vacci\u00adna\u00adre \u00eempotriva pandemiei de COVID-19.<\/p>\n
\n\u00cen luna octombrie, num\u0103rul intero\u00adg\u0103\u00adri\u00adlor operate de b\u0103nci la Agen\u0163ia Na\u0163ional\u0103 de Administrare Fiscal\u0103 (ANAF) \u00een leg\u0103tur\u0103 cu ve\u00adniturile clien\u0163ilor\/poten\u00ad\u0163ialilor clien\u0163i per\u00adsoa\u00adne fizice \u015fi juridice \u00een vederea acord\u0103rii unor credite a cobor\u00e2t puternic, la 162.132, de la 257.412 acces\u0103ri c\u00e2te au fost \u00een septem\u00adbrie, adic\u0103 o sc\u0103dere cu 95.280 de interog\u0103ri, respectiv cu 37%, potrivit datelor transmise de ANAF la solicitarea ZF.<\/p>\n
\n\u00cen 2021, cu excep\u0163ia lunii octombrie, \u00een toate celelalte luni num\u0103rul interog\u0103rilor lunare ale b\u0103ncilor la ANAF a dep\u0103\u015fit 200.000 pe lun\u0103. Cel mai mare volum al ac\u00adce\u00ads\u0103\u00adrilor lu\u00adnare ale b\u0103cilor la ANAF din acest an a fost \u00een martie, de 285.214. Pe ansamblul primelor nou\u0103 luni din 2021, ritmul mediu de cre\u015ftere a creditului pri\u00advat a fost de circa 9,5%, soldul \u00eemprumu\u00adtu\u00adri\u00adlor retail \u015fi corporate ajung\u00e2nd la 314,6 mld. lei.<\/p>\n
\nAnaliz\u00e2nd evolu\u0163ia interog\u0103rilor de la \u00eenceputul pandemiei de COVID-19, vedem c\u0103 \u00een aprilie 2020, lun\u0103 \u00een care \u00een Rom\u00e2nia a fost stare de urgen\u0163\u0103 din cauza pandemiei, s-a \u00eenregistrat o sc\u0103dere puternic\u0103 a nu\u00adm\u0103rului interog\u0103rilor operate de b\u0103nci la ANAF \u00een leg\u0103tur\u0103 cu veniturile poten\u00ad\u0163ialilor clien\u0163i, p\u00e2n\u0103 la 81.053, fa\u0163\u0103 de 190.415 de interog\u0103ri \u00een martie 2020 \u015fi peste 200.000 \u00een fiecare din lunile ianuarie \u015fi februarie 2020.<\/p>\n
\nPractic, volumul mic al interog\u0103rilor din aprilie 2020 este comparabil cu cel din 2015, c\u00e2nd s-a introdus aceast\u0103 facilitate prin care b\u0103ncile pot interoga bazele de date ANAF \u00een leg\u0103tur\u201e cu veniturile clien\u0163ilor\/poten\u0163ialilor clien\u0163i persoane fizice \u015fi juridice, pentru creditare.<\/p>\n
\nDin anul 2015, b\u0103ncile au \u00eenceput s\u0103 \u00eencheie protocoale de colaborare cu ANAF prin care se simplific\u0103 procesul de acordare a creditelor prin eliminarea documentelor de venit de la angajatori pentru clien\u0163ii cu venituri stabile, ale c\u0103ror c\u00e2\u015ftiguri sunt raportate la ANAF.<\/p>\n
\nAstfel, atunci c\u00e2nd o persoan\u0103 solicit\u0103 un credit este suficient s\u0103 semneze, \u00een momentul solicit\u0103rii creditului de la b\u0103nc\u0103, a unui Acord de consultare a eviden\u0163elor ANAF, \u015fi nu mai trebuie s\u0103 transmit\u0103 la banc\u0103 adeverin\u0163\u0103 de venit de la angajator.<\/p>\n
\n<\/p>\n","protected":false},"excerpt":{"rendered":"
Apetitul popula\u0163iei \u015fi compa\u00adniilor pentru credite a sc\u0103zut puternic \u00een luna octombrie, dup\u0103 cum indic\u0103 reducerea num\u0103rului interog\u0103rilor de c\u0103tre b\u0103nci ale datelor ANAF pentru poten\u0163ialii clien\u0163i, o influen\u0163\u0103 venind pro\u00adba\u00adbil \u015fi de la scumpirile \u00een lan\u0163 din ultima pe\u00adrioa\u00add\u0103, \u00een special la energie, gaze \u015fi combustibili. Iar acest declin al credit\u0103rii se vede \u00eena\u00adinte […]<\/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":[26274,538,7267,4126,557,485,50177,188,14847],"class_list":["post-198574","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-accesari","tag-anaf","tag-banci","tag-clienti","tag-creditare","tag-credite","tag-datelor-anaf","tag-economie","tag-pandemie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198574","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=198574"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198574\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=198574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=198574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=198574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}