Finante-Banci
Cinteza, BNR: Chiar daca jumatate din bugetari nu mai platesc creditele, bancile n-au probleme
Chiar daca 50% din creditele contractate de bugetari la bancile locale devin neperformante (ca urmare a scaderii salariilor bugetarilor n.r.), bancile locale nu vor avea probleme, a declarat Nicolae Cinteza (foto), seful directiei de supraveghere a Bancii Nationale.
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Acesta a explicat ca, potrivit calculelor BNR, daca 50% din creditele bugetarilor devin neperformante, sistemul bancar isi pastreaza o rata de solvabilitate foarte buna, de 10%.
„Este vorba de solvabilitatea la nivel de sistem si nu de cea a fiecarei banci in parte”, a precizat Cinteza.
Solvabilitatea este raportul dintre fondurile proprii ale bancii si activele acesteia, ponderate in functie de gradul lor de risc.
In sistemul bancar local, bancile sunt obligate sa mentina o rata a solvabilitatii de 8%. Pe fondul crizei, supravegherea bancii centrale a obligat insa creditorii sa isi mentina o rata de circa 10%, nivelul din prezent al solvabilitatii la nivel de sistem situandu-se peste cel recomandat.
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