Bancile cer BNR regulamente flexibile
Miercuri, 16 Iulie 2008, ora 01:24
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Pana atunci, fiecare institutie de credit isi
va prezenta pozitia in legatura cu proiectul BNR, a anuntat, ieri, presedintele
Volksbank Romania, Gerald Schreiner. Unele banci au venit deja cu propuneri de
modificare a proiectului BNR. Oficialii Volksbank au declarat, ieri, ca vor
cere o delimitare clara intre conditiile impuse bancilor care practica o
politica de risc si celelalte.
„Nu va fi o problema pentru noi sa
implementam regulamentul BNR, intrucat am facut si pana acum analize de tip
stress test, fiind incluse in produsele noastre, insa ar trebui sa se faca o
separare clara intre bancile conservatoare, cu un portofoliu redus de credite
de consum, si bancile agresive pe acest segment“, a afirmat, ieri, vicepresedintele
Volksbank pentru risc si retail, Herwig Burgstaller. Acesta a adaugat ca
institutia pe care o reprezinta nu ar trebui sa intre in colimatorul BNR. „Daca
portofoliul nostru ar avea o evolutie negativa, as intelege ca BNR sa intervina,
insa din moment ce banca este foarte atenta la riscuri, nu vad necesitatea
acestor impuneri“, a afirmat presedintele bancii, Gerald Schreiner.
Potrivit datelor bancii, creditele de
consum negarantate reprezinta circa 5% din portofoliul imprumuturilor acordate
de institutie pentru segmentul de retail, restul fiind credite imobiliare si imprumuturi
de nevoi personale garantate.
Grad de indatorare limitat
Potrivit proiectului de regulament, bancile
vor calcula gradul de indatorare la creditele acordate populatiei pe baza unor
venituri cu cel mult 20% peste cele declarate la administratia financiara in
anul anterior si nu doar in functie de adeverinta de salariu sau alte
documente, precum in prezent. De la intrarea in vigoare a noului regulament si
pana cand normele interne ale bancilor vor fi aprobate de Consiliul de
supraveghere al BNR, gradul de indatorare acceptat de toate institutiile de
credit va scadea la 40%.
ANALIZA „CAPITAL“
Noile norme aduc credite mici
Pragul minim de indatorare dupa
introducerea noilor norme va fi chiar mai mic de 40%. Potrivit unei analize
publicate in editia de astazi a revistei „Capital“, dupa ce bancile vor aplica
asa-numitul stress test pe fiecare client, vor constata ca suma pe care acesta
o poate accesa este chiar mai mica decat cea pe care o putea lua la nivelul
anului 2007, inainte de relaxarea conditiilor de creditare.
Daca pe normele vechi o familie de doua
persoane cu venituri de 2.500 de lei putea obtine un credit de 36.600 de euro,
cu un grad de indatorare de 40%, dupa aplicarea noilor norme suma va scadea la
31.500 de euro. Aplicand conditiile din normele de creditare relaxate, cu indatorare
de 65%, inca valabile in prezent, suma este de 68.000 de euro.
PASUL DECISIV
Frica BNR, conturata in regulament
Guvernatorul BNR, Mugur Isarescu, a
avertizat de mai multe ori in ultimele luni ca riscul creditarii creste odata
cu viteza dezvoltarii segmentului, iar bancile, interesate sa obtina profit,
subestimeaza riscul de multe ori. Proiectul BNR a venit tocmai pentru a limita
riscurile creditarii excesive.
La finele lunii mai, creditele acordate
populatiei au urcat la 83,24 miliarde lei (23 de miliarde euro), pe fondul unei
cresteri anuale cu 130,7% a creditului in valuta, la 45,9 miliarde lei, si cu
38,6% a finantarilor in lei, la 37,35 miliarde lei. Valoarea totala a
creditelor acordate populatiei si firmelor se situa la 171,83 miliarde de lei, in
urcare cu 61,3%, comparativ cu perioada similara din 2007.
Sursa: Business24