{"id":12268,"date":"2021-02-25T11:53:15","date_gmt":"2021-02-25T09:53:15","guid":{"rendered":"http:\/\/www.edarges.ro\/www\/?p=12268"},"modified":"2021-02-23T11:54:44","modified_gmt":"2021-02-23T09:54:44","slug":"abordarea-problemei-creditelor-neperformante-pentru-ca-bancile-sa-poata-sprijini-gospodariile-si-intreprinderile-din-ue","status":"publish","type":"post","link":"https:\/\/www.edarges.ro\/www\/?p=12268","title":{"rendered":"Abordarea problemei creditelor neperformante pentru ca b\u0103ncile s\u0103 poat\u0103 sprijini gospod\u0103riile \u0219i \u00eentreprinderile din UE"},"content":{"rendered":"<p style=\"text-align: justify;\">Comisia European\u0103\u00a0<a href=\"https:\/\/ec.europa.eu\/info\/publications\/201216-non-performing-loans-action-plan_ro\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/ec.europa.eu\/info\/publications\/201216-non-performing-loans-action-plan_ro&amp;source=gmail&amp;ust=1614159751744000&amp;usg=AFQjCNHzxl2-ZMTnjcEtN8gQD6vibqvLOg\"><u>a prezentat o strategie<\/u><\/a>\u00a0de prevenire a unei viitoare acumul\u0103ri a creditelor neperformante \u00een Uniunea European\u0103, ca urmare a crizei provocate de pandemia de COVID-19. Strategia urm\u0103re\u0219te s\u0103 asigure faptul c\u0103 gospod\u0103riile \u0219i \u00eentreprinderile din UE continu\u0103 s\u0103 aib\u0103 acces la finan\u021barea de care au nevoie pe \u00eentreaga durat\u0103 a crizei.<\/p>\n<p style=\"text-align: justify;\">Pentru a oferi statelor membre \u0219i sectorului financiar instrumentele necesare cu ajutorul c\u0103rora s\u0103 fac\u0103 fa\u021b\u0103 din timp cre\u0219terii num\u0103rului de credite neperformante \u00een sectorul bancar al UE, Comisia propune o serie de ac\u021biuni care vizeaz\u0103\u00a0<strong>patru obiective principale<\/strong>:<\/p>\n<p style=\"text-align: justify;\"><strong>Dezvoltarea \u00een continuare a pie\u021belor secundare pentru activele neperformante<\/strong>: Acest lucru le va permite b\u0103ncilor s\u0103 scoat\u0103 \u00een afara bilan\u021burilor creditele neperformante, asigur\u00e2nd \u00een acela\u0219i timp o protec\u021bie sporit\u0103 a debitorilor.<\/p>\n<p style=\"text-align: justify;\"><strong>Reforma legisla\u021biei UE privind insolven\u021ba \u00eentreprinderilor \u0219i recuperarea datoriilor<\/strong> va contribui la asigurarea convergen\u021bei diverselor cadre de insolven\u021b\u0103 din UE, men\u021bin\u00e2nd \u00een acela\u0219i timp standarde ridicate de protec\u021bie a consumatorilor. Existen\u021ba unor proceduri de insolven\u021b\u0103 mai convergente ar spori securitatea juridic\u0103 \u0219i ar accelera recuperarea valorii at\u00e2t \u00een beneficiul creditorului, c\u00e2t \u0219i al debitorului.<\/p>\n<p style=\"text-align: justify;\"><strong>Sprijinire<\/strong><strong>a constituirii de societ\u0103\u021bi na\u021bionale de administrare a investi\u021biilor \u0219i a cooper\u0103rii dintre acestea<\/strong>\u00a0la nivelul UE: Societ\u0103\u021bile de administrare a investi\u021biilor sunt vehicule care acord\u0103 sprijin b\u0103ncilor care se confrunt\u0103 cu dificult\u0103\u021bi, permi\u021b\u00e2ndu-le s\u0103 scoat\u0103 \u00een afara bilan\u021burilor creditele neperformante. Acest sprijin le permite b\u0103ncilor s\u0103 se concentreze din nou asupra credit\u0103rii \u00eentreprinderilor \u0219i a gospod\u0103riilor viabile, nu s\u0103 se axeze pe gestionarea creditele neperformante. Comisia este preg\u0103tit\u0103 s\u0103 sprijine statele membre \u00een constituirea de societ\u0103\u021bi na\u021bionale de administrare a investi\u021biilor \u2013 dac\u0103 doresc acest lucru \u2013 \u0219i ar urma s\u0103 analizeze modul \u00een care cooperarea ar putea fi impulsionat\u0103 prin instituirea unei re\u021bele la nivelul UE a societ\u0103\u021bilor na\u021bionale de administrare a investi\u021biilor.<\/p>\n<p style=\"text-align: justify;\"><strong>M\u0103suri preventive<\/strong>: Cu toate c\u0103 situa\u021bia sectorului bancar al UE este, \u00een ansamblu, mult mai solid\u0103 dec\u00e2t cea \u00eenregistrat\u0103 \u00een urma crizei financiare, statele membre continu\u0103 s\u0103 aplice r\u0103spunsuri neuniforme \u00een materie de politic\u0103 economic\u0103. Av\u00e2nd \u00een vedere circumstan\u021bele speciale ale actualei crize sanitare, autorit\u0103\u021bile au posibilitatea de a pune \u00een aplicare m\u0103suri preventive de sprijin public, \u00een cazul \u00een care acest lucru este necesar, pentru a se asigura continuitatea finan\u021b\u0103rii economiei reale, astfel cum se prevede \u00een Directiva UE privind redresarea \u0219i rezolu\u021bia institu\u021biilor bancare \u0219i \u00een cadrele \u00een materie de ajutoare de stat.<\/p>\n<p style=\"text-align: justify;\">Detalii \u00een <a href=\"https:\/\/ec.europa.eu\/commission\/presscorner\/detail\/ro\/ip_20_2375\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/ec.europa.eu\/commission\/presscorner\/detail\/ro\/ip_20_2375&amp;source=gmail&amp;ust=1614159751744000&amp;usg=AFQjCNGtLr1kz0MFn6ISdGMi7VtE6OFHMA\"><u>comunicatul de pres\u0103<\/u><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comisia European\u0103\u00a0a prezentat o strategie\u00a0de prevenire a unei viitoare acumul\u0103ri a creditelor neperformante \u00een Uniunea European\u0103, ca urmare a crizei provocate de pandemia de COVID-19. Strategia urm\u0103re\u0219te s\u0103 asigure faptul c\u0103 gospod\u0103riile \u0219i \u00eentreprinderile din UE continu\u0103 s\u0103 aib\u0103 acces la finan\u021barea de care au nevoie pe \u00eentreaga durat\u0103 a crizei. Pentru a oferi statelor &hellip; <a href=\"https:\/\/www.edarges.ro\/www\/?p=12268\">Continued<\/a><\/p>\n","protected":false},"author":3,"featured_media":11138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/12268"}],"collection":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12268"}],"version-history":[{"count":1,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/12268\/revisions"}],"predecessor-version":[{"id":12269,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/posts\/12268\/revisions\/12269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=\/wp\/v2\/media\/11138"}],"wp:attachment":[{"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.edarges.ro\/www\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}