{"id":207018,"date":"2022-08-08T09:52:41","date_gmt":"2022-08-08T09:52:41","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=207018"},"modified":"2022-08-08T09:52:41","modified_gmt":"2022-08-08T09:52:41","slug":"de-ce-dobanzile-sunt-mari-in-romania-bnr-cu-cat-sistemul-financiar-este-mai-subdezvoltat-cu-atat-marjele-de-dobanda-sunt-mai-ridicate","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=207018","title":{"rendered":"De ce dob\u00e2nzile sunt mari \u00een Rom\u00e2nia? BNR: Cu c\u00e2t sistemul financiar este mai subdezvoltat, cu at\u00e2t marjele de dob\u00e2nd\u0103 sunt mai ridicate"},"content":{"rendered":"<p>\n<em><strong>\u201eB\u0103ncile tind s\u0103 practice marje de dob\u00e2nd\u0103 mai ridicate \u00een sistemele financiare subdezvoltate, \u00een timp ce un astfel de comportament nu se observ\u0103 \u015fi \u00een cazul economiilor dezvoltate\u201c, potrivit unui studiu al BNR.<\/strong><\/em><\/p>\n<p>\nMarja net\u0103 de dob\u00e2nd\u0103 (NIM) este consi\u00adderat\u0103 \u00een literatura de specialitate un indicator al profitabilit\u0103\u0163ii b\u0103ncilor, dar \u015fi un proxy \u00adinformativ pentru costul intermedierii financiare.<\/p>\n<p>\nIar b\u0103ncile tind s\u0103 practice marje de dob\u00e2nd\u0103 mai ridicate \u00een sistemele financiare subdezvoltate, \u00een timp ce un astfel de comportament nu se observ\u0103 \u015fi \u00een cazul economiilor dezvoltate, se arat\u0103 \u00eentr-un studiu al BNR cu titlul \u201eDeterminan\u0163ii marjelor de dob\u00e2nd\u0103 \u00een sectorul bancar rom\u00e2nesc \u015fi central- est-european.\u201c<\/p>\n<p>\nTotodat\u0103, exist\u0103 o leg\u0103tur\u0103 direct\u0103 \u00eentre volumul creditelor neperformante \u015fi consecin\u0163a direct\u0103 a cre\u015fterii riscului de credit, respectiv mar\u00adjele de dob\u00e2nd\u0103 ridicate. \u201ePierderile gene\u00adrate de creditele neperformante pe care b\u0103ncile trebuie s\u0103 le acopere se translateaz\u0103 \u00een costuri adi\u0163ionale pentru clien\u0163i, sub forma unor rate de dob\u00e2nd\u0103 mai mari la credite \u015fi mai sc\u0103zute la depozite.\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marja net\u0103 de dob\u00e2nd\u0103 (NIM) este consi\u00adderat\u0103 \u00een literatura de specialitate un indicator al profitabilit\u0103\u0163ii b\u0103ncilor, dar \u015fi un proxy \u00adinformativ pentru costul intermedierii financiare.<\/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":[7267,185,7458,20885,13323],"class_list":["post-207018","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-dobanda","tag-ridicare","tag-sistem-financiar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/207018","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=207018"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/207018\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=207018"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=207018"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=207018"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}