{"id":5749,"date":"2006-11-21T13:49:00","date_gmt":"2006-11-21T13:49:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=5749"},"modified":"2026-04-02T09:15:04","modified_gmt":"2026-04-02T09:15:04","slug":"de-pus-in-balanta","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=5749","title":{"rendered":"De pus in balanta"},"content":{"rendered":"<p><P class=text style=\"MARGIN: 0cm 0cm 0pt\" align=justify>Exista cateva elemente care pot inclina balanta spre o evolutie in sus sau in jos a dobanzilor pe care bancherii le cer pentru imprumuturi.<\/P><?xml:namespace prefix = o ns = \"urn:schemas-microsoft-com:office:office\" \/><o:p><SPAN class=text>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><o:p>&nbsp;<\/o:p><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>REZERVELE MINIME OBLIGATORII<\/STRONG>: Cotele de 40% din valuta atrasa si 20% din resursele in lei pe care bancile trebuie sa le pastreze la BNR induc un cost in plus. <\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><?xml:namespace prefix = st1 ns = \"urn:schemas-microsoft-com:office:smarttags\" \/><st1:place w:st=\"on\"><st1:City w:st=\"on\"><BR><STRONG>DOBANDA<\/STRONG><\/st1:City><STRONG> <st1:State w:st=\"on\">DE<\/st1:State><\/STRONG><\/st1:place><STRONG> POLITICA MONETARA<\/STRONG>: Batuta in cuie la 8,75% din iunie, nici nu va scadea prea curand, cred bancherii, din cauza presiunilor inflationiste care se intrevad in 2007.<\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><BR><STRONG>DOBANDA LA EURO<\/STRONG>: O majorare a dobanzii de politica monetara a Bancii Centrale Europene (3,25% in prezent), anticipata de analistii internationali pentru decembrie, se va transmite si in costul creditelor in euro din <st1:country-region w:st=\"on\"><st1:place w:st=\"on\">Romania<\/st1:place><\/st1:country-region>.<\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><BR><STRONG>INFLATIA<\/STRONG>: Una dintre conditiile pe care bancherii le-au invocat ani la randul pentru ca dobanzile sa scada a fost reducerea inflatiei. In octombrie, rata anuala a inflatiei a coborat la 4,8%, plasandu-se in interiorul intervalului de<SPAN style=\"mso-spacerun: yes\">&nbsp; <\/SPAN>plus\/minus un punct fata de tinta de 5% stabilita pentru acest an.<\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><st1:City w:st=\"on\"><BR><STRONG>RATINGUL<\/STRONG><\/st1:City><STRONG> <st1:State w:st=\"on\">DE<\/st1:State> <st1:place w:st=\"on\">TARA<\/st1:place><\/STRONG>: Imbunatatirea ratingului de tara inseamna pentru bancheri acces la conditii de finantare mai bune pe pietele financiare internationale.<\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><BR><STRONG>COMPETITIA<\/STRONG>: In mare parte, scaderea dobanzilor la creditele in lei a venit ca urmare a competitiei tot mai puternice dintre banci, impulsionata si de restrictiile introduse de BNR pentru imprumuturile in valuta.<\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><BR><STRONG>BANCILE STRAINE<\/STRONG>: Este de asteptat ca dupa 2007 bancherii romani sa se confrunte si cu concurenta unor banci straine, fara sediu local (si implicit fara nicio obligatie de a se conforma reglementarilor BNR), in special in sectorul clientilor corporatisti si al finantarilor municipale.<\/P><\/SPAN><\/o:p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Exista cateva elemente care pot inclina balanta spre o evolutie in sus sau in jos a dobanzilor pe care bancherii le cer pentru imprumuturi. &nbsp; REZERVELE MINIME OBLIGATORII: Cotele de 40% din valuta atrasa si 20% din resursele in lei pe care bancile trebuie sa le pastreze la BNR induc un cost in plus. DOBANDA [&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":[5032],"class_list":["post-5749","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-de-pus-in-balanta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5749","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=5749"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5749\/revisions"}],"predecessor-version":[{"id":27113,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5749\/revisions\/27113"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}