{"id":83581,"date":"2020-06-09T14:42:42","date_gmt":"2020-06-09T11:42:42","guid":{"rendered":"http:\/\/www.btv.md\/?p=83581"},"modified":"2020-06-09T14:42:42","modified_gmt":"2020-06-09T11:42:42","slug":"neachitarea-creditelor-ar-putea-afecta-sectorul-bancar-sustine-guvernatorul-bnm","status":"publish","type":"post","link":"https:\/\/www.btv.md\/ro\/neachitarea-creditelor-ar-putea-afecta-sectorul-bancar-sustine-guvernatorul-bnm\/","title":{"rendered":"Neachitarea creditelor ar putea afecta sectorul bancar, sus\u021bine Guvernatorul BNM"},"content":{"rendered":"<p><strong>Guvernatorul B\u0103ncii Na\u021bionale a Moldovei (BNM) spune c\u0103 neachitarea pl\u0103\u021bilor la credite de c\u0103tre debitori ar putea limita capacitatea b\u0103ncilor de a acorda credite noi. Declara\u021bia a fost f\u0103cut\u0103 \u00een contextul proiectului de lege privind suspendarea termenului de achitare a creditelor de la 1 iunie p\u00e2n\u0103 la sf\u00e2r\u0219itul anului.<\/strong><\/p>\n<p>Guvernatorul BNM afirm\u0103 c\u0103 a eviden\u021biat mai multe riscuri pentru stabilitatea \u0219i viabilitatea sectorului bancar, dac\u0103 proiectul va fi votat de Parlament, printre care se num\u0103r\u0103 \u0219i\u00a0capacitatea de plat\u0103 a debitorilor.\u00a0Unele persoanele fizice \u0219i-au pierdut locurile de munc\u0103 sau alte surse de venit stabil, iar unii oameni de afaceri \u0219i-au restr\u00e2ns sau \u0219i-au stopat activitatea, ceea ce ar putea influen\u021ba capacitatea de onorare a datoriilor fa\u021b\u0103 de b\u0103nci. B\u0103ncile comerciale deja restructureaz\u0103 creditele persoanelor fizice \u0219i juridice aflate \u00een dificultate \u0219i calibreaz\u0103 deciziile pornind de la capacit\u0103\u021bile de plat\u0103 ale debitorilor, men\u021bioneaz\u0103 conducerea B\u0103ncii Na\u021bionale, transmite Bizlaw.<\/p>\n<p>Deciziile de am\u00e2nare a pl\u0103\u021bilor prin prelungirea sau renegocierea creditelor acordate debitorilor urmeaz\u0103 a fi adoptate de fiecare banc\u0103 \u00een mod individual, \u00een func\u021bie de structura portofoliului de credite \u0219i analiza fiec\u0103rui caz \u00een parte. \u00cen acest sens, trebuie s\u0103 se \u021bin\u0103 cont de reglement\u0103rile interne, prevederile contractuale fa\u021b\u0103 de ace\u0219ti debitori \u0219i capacitatea lor de plat\u0103. Acestea sunt necesare pentru a asigura gestionarea eficient\u0103 a lichidit\u0103\u021bii, precum \u0219i administrarea prudent\u0103 a riscurilor asociate.<\/p>\n<p>La situa\u021bia din 30 aprilie, ponderea creditelor neperformante \u00een totalul creditelor a constituit 8,3% \u0219i s-a majorat doar cu 0,2 p.p. fa\u021b\u0103 de sf\u00e2r\u0219itul lunii februarie. Aceast\u0103 situa\u021bie a influen\u021bat profitabilitatea b\u0103ncilor, care au \u00eenregistrat un profit mai mic. \u00cencep\u00e2nd cu luna martie, b\u0103ncile prelungesc sau renegociaz\u0103 contractele de credit la solicitarea debitorilor. Astfel, p\u00e2n\u0103 \u00een data de 22 mai, au fost prelungite sau renegociate pl\u0103\u021bile la 4,8 miliarde lei sau 11,62% din totalul creditelor.<\/p>\n<p>\u00cen primul trimestru, soldul brut (pruden\u021bial) al creditelor a constituit 45,4% din totalul activelor sau 42,0 miliarde lei, major\u00e2ndu-se cu 4,1% (1,7 miliarde lei). Totodat\u0103, volumul creditelor noi acordate pe parcursul trimestrului I al anului 2020 s-a majorat cu 3,5% fa\u021b\u0103 de aceea\u0219i perioad\u0103 a anului precedent. Cele mai mari cre\u0219teri ale portofoliului de credite au fost consemnate la creditele acordate comer\u021bului, cu 4,6% sau 438,3 milioane lei \u0219i la creditele acordate pentru procurarea\/construc\u021bia imobilului, cu 5,5% sau 340,9 milioane lei.<\/p>\n<p>Sursa: <a href=\"https:\/\/deschide.md\/ro\/stiri\/economic\/67393\/Guvernatorul-BNM-Neachitarea-creditelor-ar-putea-afecta-sectorul-bancar.htm\">deschide.md<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Guvernatorul B\u0103ncii Na\u021bionale a Moldovei (BNM) spune c\u0103 neachitarea pl\u0103\u021bilor la credite de c\u0103tre debitori ar putea limita capacitatea b\u0103ncilor de a acorda credite noi. Declara\u021bia a fost f\u0103cut\u0103 \u00een contextul proiectului de lege privind suspendarea termenului de achitare a creditelor de la 1 iunie p\u00e2n\u0103 la sf\u00e2r\u0219itul anului. Guvernatorul BNM afirm\u0103 c\u0103 a eviden\u021biat [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":83586,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6369,6377],"tags":[6372,13228,15072,15073],"class_list":["post-83581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie-ro","category-stiri","tag-bnm","tag-credite","tag-guvernatorul-bancii-nationale-a-moldovei","tag-neachitarea"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Neachitarea creditelor ar putea afecta sectorul bancar, sus\u021bine Guvernatorul BNM - BTV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.btv.md\/ro\/neachitarea-creditelor-ar-putea-afecta-sectorul-bancar-sustine-guvernatorul-bnm\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Neachitarea creditelor ar putea afecta sectorul bancar, sus\u021bine Guvernatorul BNM - BTV\" \/>\n<meta property=\"og:description\" content=\"Guvernatorul B\u0103ncii Na\u021bionale a Moldovei (BNM) spune c\u0103 neachitarea pl\u0103\u021bilor la credite de c\u0103tre debitori ar putea limita capacitatea b\u0103ncilor de a acorda credite noi. Declara\u021bia a fost f\u0103cut\u0103 \u00een contextul proiectului de lege privind suspendarea termenului de achitare a creditelor de la 1 iunie p\u00e2n\u0103 la sf\u00e2r\u0219itul anului. 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