Finante-Banci
Moody\’s: Legea falimentului personal ar afecta negativ sistemul bancar
Legea insolventei persoanelor fizice, care a trecut saptamana trecuta de Senat, ar avea efecte negative semnificative asupra sistemului bancar din Romania, apreciaza Moody's, estimand, intr-un scenariu optimist, ca institutiile de credit ar putea avea nevoie de suplimentarea capitalului cu 10%.
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Agentia de rating avertizeaza ca aplicarea legii va determina bancile sa fie cu mult mai prudente in privinta creditarii persoanelor fizice care nu au mai luat imprumuturi, dar si sa majoreze dobanzile.
Perspectiva negativa atribuita de Moody’s sistemului bancar din Romania ar putea fi accentuata de aceasta lege, „deoarece ar putea promova hazardul moral printre debitori, care pot alege sa evite plata creditelor profitand de legislatie”, scrie Mediadax.
Proiectul legislativ prevede ca debitorul de buna credinta care cere deschiderea procedurii de insolventa personala va putea fi descarcat total sau partial de datoriile anterioare sau ulterioare deschiderii procedurii, daca bunurile sale sunt insuficiente pentru plata intregii mase credale si daca instanta i-a acordat beneficiul scuzabilitatii.
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