{"id":223904,"date":"2024-02-06T18:47:36","date_gmt":"2024-02-06T18:47:36","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=223904"},"modified":"2024-02-06T18:47:36","modified_gmt":"2024-02-06T18:47:36","slug":"excedent-de-lichiditate-record-de-peste-60-mld-lei-medie-zilnica-in-ianuarie-bancile-au-bani-dar-ii-parcheaza-la-bnr-la-dobanda-de-6-in-loc-sa-dea-mai-multe-credite","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=223904","title":{"rendered":"Excedent de lichiditate record, de peste 60 mld. lei medie zilnic\u0103, \u00een ianuarie. B\u0103ncile au bani, dar \u00eei parcheaz\u0103 la BNR la dob\u00e2nd\u0103 de 6% \u00een loc s\u0103 dea mai multe credite"},"content":{"rendered":"<p>\nPia\u0163a interbancar\u0103 a avut \u00een luna ianuarie 2024 un excedent de lichiditate substan\u0163ial, de peste 60 mld. lei medie zilnic\u0103, marc\u00e2nd un nou record al ultimului deceniu.<\/p>\n<p>\nSuma depus\u0103 de b\u0103nci la BNR prin facilitatea de depozit a fost \u00een luna ianuarie de 60,7 mld. lei, medie zilnic\u0103, cel mai ridicat nivel de dup\u0103 anul 2012. Nivelul a dep\u0103\u015fit valorile \u00eenregistrate&nbsp;\u00een 2023, care au oscilat \u00eentre&nbsp;20 \u015fi 45 mld. lei, medie zilnic\u0103.<\/p>\n<p>\n\u00cen contextul excedentului mare de lichiditate din sistemul bancar, instrumentul de politic\u0103 monetar\u0103 relevant \u00een Rom\u00e2nia a devenit dob\u00e2nda de 6% la facilitatea de depozit (care este remunerat\u0103 de BNR b\u0103ncilor care-\u015fi parcheaz\u0103 bani astfel), \u015fi nu dob\u00e2nda-cheie de 7%, dup\u0103 cum au explicat \u015fi anali\u015ftii.<\/p>\n<p>\n<strong>Indicele ROBOR la 3 luni a continuat s\u0103 scad\u0103 la \u00eenceput de 2024, cobor\u00e2nd la 6,10%. Anul trecut ROBOR la 3 luni a sc<\/strong><strong>\u0103<\/strong><strong>zut lent,&nbsp;<\/strong><strong>\u00ee<\/strong><strong>n ciuda excedentului de lichiditate,&nbsp;<\/strong><strong>\u00ee<\/strong><strong>nchiz<\/strong><strong>\u00e2<\/strong><strong>nd anul la 6,22%, fa<\/strong><strong>\u0163\u0103<\/strong><strong>&nbsp;de 7,56% la&nbsp;<\/strong><strong>\u00ee<\/strong><strong>nceput de 2023. Pe de alt\u0103 parte, creditarea privat<\/strong><strong>\u0103<\/strong><strong>&nbsp;a&nbsp;<\/strong><strong>\u00ee<\/strong><strong>ncetinit spre finalul anului 2023 la circa 5% cre\u015ftere anual<\/strong><strong>\u0103<\/strong><strong>&nbsp;din cauza dob<\/strong><strong>\u00e2<\/strong><strong>nzilor mari.<\/strong><\/p>\n<p>\nO<strong>dat<\/strong><strong>\u0103<\/strong><strong>&nbsp;cu men<\/strong><strong>\u0163<\/strong><strong>inerea pie<\/strong><strong>\u0163<\/strong><strong>ei interbancare pe excedent de lichiditate, BNR a r<\/strong><strong>\u0103<\/strong><strong>mas \u015fi la \u00eenceput de 2024, ca \u015fi \u00een 2023, debitor net&nbsp;<\/strong><strong>\u00ee<\/strong><strong>n raport cu b<\/strong><strong>\u0103<\/strong><strong>ncile comerciale<\/strong><\/p>\n<p>\nPe tot parcursul anului 2023 pia\u0163a interbancar\u0103 a r\u0103mas pe surplus, de circa peste 29 mld. lei, medie zilnic\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pia\u0163a interbancar\u0103 a avut \u00een luna ianuarie 2024 un excedent de lichiditate substan\u0163ial, de peste 60 mld. lei medie zilnic\u0103, marc\u00e2nd un nou record al ultimului deceniu. Suma depus\u0103 de b\u0103nci la BNR prin facilitatea de depozit a fost \u00een luna ianuarie de 60,7 mld. lei, medie zilnic\u0103, cel mai ridicat nivel de dup\u0103 anul [&hellip;]<\/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":[7267,185,485,7458,12985],"class_list":["post-223904","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-credite","tag-dobanda","tag-lichiditate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/223904","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=223904"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/223904\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=223904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=223904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=223904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}