{"id":88838,"date":"2020-07-23T10:39:41","date_gmt":"2020-07-23T07:39:41","guid":{"rendered":"http:\/\/www.btv.md\/?p=88838"},"modified":"2020-07-23T10:39:41","modified_gmt":"2020-07-23T07:39:41","slug":"expert-piata-creditelor-bancare-e-in-crestere-a-fost-cel-mai-putin-afectata-de-criza","status":"publish","type":"post","link":"https:\/\/www.btv.md\/ro\/expert-piata-creditelor-bancare-e-in-crestere-a-fost-cel-mai-putin-afectata-de-criza\/","title":{"rendered":"Expert: Pia\u021ba creditelor bancare e \u00een cre\u0219tere. A fost cel mai pu\u021bin afectat\u0103 de criz\u0103"},"content":{"rendered":"

Pia\u021ba creditelor bancare a fost cel mai pu\u021bin afectat\u0103 de criz\u0103 \u0219i cel mai rapid a \u00eenceput s\u0103-\u0219i recupereze pierderile, sus\u021bine expertul \u00een politici economice al IDIS Viitorul, Veaceslav Ioni\u021b\u0103. \u00cen cea mai recent\u0103 analiz\u0103 privind pia\u021ba creditelor bancare, expertul men\u021bioneaz\u0103 c\u0103 \u00een lunile aprilie \u0219i mai, soldul creditelor \u00een b\u0103ncile comerciale din Republica Moldova a sc\u0103zut cu 1,1 miliarde de lei, care \u00een luna iunie deja a recuperat jum\u0103tate din c\u0103dere, \u00eenregistr\u00e2nd o cre\u0219tere de 570 de milioane de lei, scrie cotidianul.md<\/a><\/strong><\/p>\n

Potrivit economistului, de la \u00eenceputul anului, pia\u021ba creditelor bancare este \u00een cre\u0219tere cu 1,1 miliarde de lei. Altfel spus, cre\u0219terea din primele trei luni ale anului a compensat pe deplin sc\u0103derea din primele dou\u0103 luni de criz\u0103. Mai mult de jum\u0103tate din cre\u0219terea din acest an se datoreaz\u0103 creditelor ipotecare, care \u00een 2020 sau majorat deja cu 570 de milioane de lei. \u201eDe fapt, creditele ipotecare sunt locomotiva cre\u0219terii pie\u021bei creditelor bancare din ultimii trei ani. Ponderea creditelor ipotecare \u00een portofoliul de credite bancare a crescut de la 4% \u00een 2012 la 16,4% \u00een trimestrul II din 2020. \u00cen prezent, fiecare al 6-lea leu, oferit sub form\u0103 de credit de c\u0103tre b\u0103nci, este oferit pentru credite imobiliare\u201d, afirm\u0103 expertul.<\/p>\n

Veaceslav Ioni\u021b\u0103 mai men\u021bioneaz\u0103 c\u0103 o aten\u021bie deosebit\u0103 merit\u0103 evolu\u021bia creditelor oferite persoanelor fizice, care practic\u0103 activit\u0103\u021bi antreprenoriale. \u00cen prima jum\u0103tate a anului 2020, volumul lor a crescut cu 184 de milioane de lei \u0219i a ajuns \u00een luna iunie la aproape un miliard de lei, maxima din ultimii patru ani. Aceste tipuri de credite, spune expertul IDIS Viitorul, \u00een 2014 constituiau 1,9 miliarde de lei, dar dup\u0103 criza din 2014 s-au redus p\u00e2n\u0103 la 700 de milioane de lei la finele anului 2017. \u00cen ultimii cinci ani, b\u0103ncile au creditat masiv persoanele fizice, \u00eens\u0103 aceast\u0103 creditare a fost \u00eendreptat\u0103 spre credite imobiliare \u0219i credite de consum \u0219i mai pu\u021bin pentru afaceri.<\/p>\n

\"\"<\/p>\n

Potrivit lui Veaceslav Ioni\u021b\u0103, sunt trei motive de baz\u0103, care au permis b\u0103ncilor s\u0103 ias\u0103 relativ u\u0219or din aceast\u0103 criz\u0103. Este vorba de \u00een\u0103sprirea reglement\u0103rilor BNM aplicate b\u0103ncilor \u00een ultimii patru ani, care a dus la aceea c\u0103 b\u0103ncile au fost mult mai preg\u0103titre pentru aceast\u0103 criz\u0103 dec\u00e2t \u00een perioadele precedente. De asemenea, este vorba \u0219i de am\u00e2narea pl\u0103\u021bilor la credite. BNM la \u00eenceputul crizei a adoptat\u0103 o decizie f\u0103r\u0103 precedent, prin care a \u00eencurajat b\u0103ncile comerciale s\u0103 permit\u0103 am\u00e2narea de plat\u0103 la credite pentru clien\u021bii lor. Lucrul acesta a permis b\u0103ncilor s\u0103 ajute clien\u021bii lor, dar \u0219i s\u0103 men\u021bin\u0103 portofoliul de credite le un nivel \u00eenalt\u0103, f\u0103r\u0103 a \u00eenr\u0103ut\u0103\u021bi calitatea lui.<\/p>\n

Totodat\u0103, este vorba \u0219i de ponderea mare a creditelor oferite persoanelor fizice. Persoanele fizice sunt cei mai buni platnici, rata creditelor neperformante la ei este de 5-7 ori mai mic\u0103 dec\u00e2t la persoanele juridice \u0219i ei continu\u0103 s\u0103 contracteze credite, chiar \u0219i pe perioad\u0103 de criz\u0103. Portofoliul de credite bancare oferite persoanelor fizice a crescut continuu \u00een ultimii zece ani. Ponderea creditelor oferite persoanelor fizice, \u00een totalul creditelor bancare, a crescut de la 10% \u00een anul 2010 p\u00e2n\u0103 la 35% \u00een prezent. Anume persoanele fizice asigur\u0103 men\u021binerea \u0219i cre\u0219terea portofoliul de credite din sistemul bancar.<\/p>\n

Sursa: cotidianul.md<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Pia\u021ba creditelor bancare a fost cel mai pu\u021bin afectat\u0103 de criz\u0103 \u0219i cel mai rapid a \u00eenceput s\u0103-\u0219i recupereze pierderile, sus\u021bine expertul \u00een politici economice al IDIS Viitorul, Veaceslav Ioni\u021b\u0103. \u00cen cea mai recent\u0103 analiz\u0103 privind pia\u021ba creditelor bancare, expertul men\u021bioneaz\u0103 c\u0103 \u00een lunile aprilie \u0219i mai, soldul creditelor \u00een b\u0103ncile comerciale din Republica Moldova […]<\/p>\n","protected":false},"author":4,"featured_media":88839,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6369,6377],"tags":[16293,16292,16291,14816],"class_list":["post-88838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie-ro","category-stiri","tag-expertul-in-politici-economice-al-idis-viitorul","tag-mai-putin-afectata-de-criza","tag-piata-creditelor-bancare","tag-veaceslav-ionita-ro"],"yoast_head":"\nExpert: Pia\u021ba creditelor bancare e \u00een cre\u0219tere. 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