\nCre\u015fterea dob\u00e2nzilor la credite, pe m\u0103sur\u0103 ce BNR majoreaz\u0103 dob\u00e2nda-cheie, poate s\u0103 fr\u00e2neze creditele noi, respectiv aducerea de noi bani \u00een economie, \u00een timp ce dac\u0103 b\u0103ncile urc\u0103 dob\u00e2nzile la depozite rom\u00e2nii ar fi motiva\u0163i s\u0103 economiseasc\u0103 mai mult \u00een depozite bancare \u015fi astfel sunt sco\u015fi banii deja existen\u0163i \u00een economie, restr\u00e2ng\u00e2ndu-se cererea de consum, obiectivul principal fiind sc\u0103derea infla\u0163iei, care s-a apropiat deja de 14% \u00een aprilie. Prin cre\u015fterea acestor dob\u00e2nzi s-ar facilita transmisia politicii monetare pentru fr\u00e2narea pre\u0163urilor de consum, a infla\u0163iei.<\/p>\n
\nBNR a majorat puternic prognoza pentru rata infla\u0163iei de la finalul lui 2022, p\u00e2n\u0103 la 12,5%, de la 9,6% c\u00e2t estima anterior. La acest nivel ridicat al infla\u0163iei, dob\u00e2nzile la depozitele bancare sunt real negative cu mult. Dob\u00e2nzile medii la depozite sunt apropiate de dob\u00e2nda-cheie sau chiar mai mici dec\u00e2t aceasta \u00een cazul depozitelor sub 1 an. <\/p>\n
\n\u00cen timp ce \u00een urm\u0103 cu un deceniu ecartul \u00eentre dob\u00e2nda medie la depozitele retail noi pe 1-2 ani \u015fi dob\u00e2nda-cheie era \u015fi de 1,5-2 puncte procentuale, dob\u00e2nzile la depozite fiind mai mari dec\u00e2t dob\u00e2nda-cheie, \u00een primele trei luni din 2022 dob\u00e2nda medie la depozitele noi retail pe 1-2 ani a oscilat \u00een jurul a 3%, cu un v\u00e2rf de 3,3% \u00een martie, dep\u0103\u015find cu 0,3-0,9 pp dob\u00e2nda-cheie a BNR.<\/p>\n
\nBanca central\u0103 a men\u0163ionat \u00een comunicatele din 2022 \u00een care a anun\u0163at cre\u015fterea dob\u00e2nzilor c\u0103 vrea \u00ecancorarea anticipa\u0163iilor infla\u0163ioniste\u00ee, dar \u015fi \u00ecstimularea economisirii\u00ee prin cre\u015fterea ratelor dob\u00e2nzilor bancare, \u00een vederea sc\u0103derii infla\u0163iei. BNR \u00eencearc\u0103 s\u0103 determine b\u0103ncile s\u0103 creasc\u0103 dob\u00e2nzile la depozite prin restr\u00e2gerea lichidit\u0103\u0163ii din pia\u0163a monetar\u0103. \u201eTrebuie s\u0103 le lu\u0103m lichiditatea din pia\u0163\u0103 \u015fi b\u0103ncile s\u0103 umble v\u00e2rtos dup\u0103 lichiditate \u015fi s\u0103 recompenseze deponen\u0163ii. Sunt 14 milioane de deponen\u0163i, nu po\u0163i s\u0103 \u201ci neglijezi\u201d, a spus recent Mugur Is\u0103rescu, guvernatorul BNR.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Cre\u015fterea dob\u00e2nzilor la credite, pe m\u0103sur\u0103 ce BNR majoreaz\u0103 dob\u00e2nda-cheie, poate s\u0103 fr\u00e2neze creditele noi, respectiv aducerea de noi bani \u00een economie.<\/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":[7267,185,439,187,184],"class_list":["post-204417","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-depozite","tag-dobanzi","tag-inflatie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204417","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=204417"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/204417\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=204417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=204417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=204417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}