{"id":238484,"date":"2025-07-15T20:16:28","date_gmt":"2025-07-15T20:16:28","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=238484"},"modified":"2025-07-15T20:16:28","modified_gmt":"2025-07-15T20:16:28","slug":"cat-de-stransa-este-legatura-dintre-sectorul-public-si-anumite-segmente-ale-sistemului-financiar-fondurile-de-pensii-societatile-de-asigurare-si-bancile-au-creante-mari-fata-de-stat-de-69-52-si-r","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=238484","title":{"rendered":"C\u00e2t de str\u00e2ns\u0103 este leg\u0103tura dintre sectorul public \u015fi anumite segmente ale sistemului financiar? Fondurile de pensii, societ\u0103\u0163ile de asigurare \u015fi b\u0103ncile au crean\u0163e mari fa\u0163\u0103 de stat, de 69%, 52% \u015fi, respectiv 29% din totalul crean\u0163elor fiec\u0103rui sector, de\u0163inerile de titluri de stat fiind semnificative"},"content":{"rendered":"<p>\n<strong>\u201eExtinderea strategiei de diversificare a bazei de investitori \u015fi c\u0103tre alte sectoare este de natur\u0103 s\u0103 diminueze din riscurile generate de \u00eent\u0103rirea leg\u0103turii dintre sectorul public \u015fi anumite componente ale sistemului financiar\u201c, recomand\u0103 BNR.<\/strong><\/p>\n<p>\nDe\u0163inerile de titluri de stat reprezint\u0103 deja o pondere semnificativ\u0103 din activele unor sectoare institu\u0163ionale, cum ar fi b\u0103ncile sau fondurile de pensii, aten\u0163ioneaz\u0103 BNR.<\/p>\n<p>\n\u00cen aceste condi\u0163ii, continuarea \u015fi extinderea strategiei de diversificare a bazei de investitori \u015fi c\u0103tre alte sectoare sunt de natur\u0103 s\u0103 diminueze din riscurile generate de \u00eent\u0103rirea leg\u0103turii dintre sectorul public \u015fi anumite componente ale sistemului financiar, recomand\u0103 banca central\u0103 \u00een cea mai recent\u0103 edi\u0163ie a raportului asupra stabilit\u0103\u0163ii financiare.<\/p>\n<p>\nFondurile de pensii au crean\u0163e fa\u0163\u0103 de stat reprezent\u00e2nd peste 69%&nbsp; din totalul crean\u0163elor acestui sector, \u00een timp ce la societ\u0103\u0163ile de asigur\u0103ri expunerea fa\u0163\u0103 de stat este de aproape 52%, iar \u00een cazul b\u0103ncilor ponderea crean\u0163elor fa\u0163\u0103 de stat \u00een totalul crean\u0163elor b\u0103ncilor urc\u0103 spre 29%, dup\u0103 cum reiese din datele BNR.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte b\u0103ncile din Rom\u00e2nia, BNR a avertizat de mai multe ori c\u0103 au cea mai mare expunere suveran\u0103 din UE pe titluri de stat \u015fi credite pentru stat, fiind la limit\u0103 cu finan\u0163area statului, iar titlurile de stat au ajuns s\u0103 fie \u201eprincipalul determinant\u201c al cre\u015fterii activelor bancare. De\u015fi de\u0163inerile de titluri de stat produc efecte favorabile asupra indicatorilor de lichiditate, acestea accentueaz\u0103 o vulnerabilitate recurent\u0103 a sectorului bancar rom\u00e2nesc, cea a ad\u00e2ncirii interdependen\u0163ei dintre sectorul bancar \u015fi statul rom\u00e2n, dup\u0103 cum a ar\u0103tat banca central\u0103.<\/p>\n<p>\nLa polul opus, crean\u0163e mai mici fa\u0163\u0103 de stat, de circa 7% din totalul crean\u0163elor, au companiile (6,7%) \u015fi popula\u0163ia (7,5%), conform datelor BNR.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22856552\/2\/5-ponderea.jpg?height=550&#038;width=640\" style=\"width: 640px; height: 550px;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De\u0163inerile de titluri de stat reprezint\u0103 deja o pondere semnificativ\u0103 din activele unor sectoare institu\u0163ionale, cum ar fi b\u0103ncile sau fondurile de pensii, aten\u0163ioneaz\u0103 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":[7267,10793,7148,333,17988],"class_list":["post-238484","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-creante","tag-fonduri","tag-pensii","tag-titluri-de-stat"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/238484","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=238484"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/238484\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=238484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=238484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=238484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}