Garantiile pentru persoane fizice urca la 50.000 euro
Luni, 13 Octombrie 2008, ora 00:45
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Masura, care va fi luata prin ordonanta de
urgenta de guvern cel mai probabil in sedinta de miercuri, va adapta
recomandarea ministrilor de finante din UE si se va transforma in directiva
europeana, spun surse din mediul bancar. Potrivit reglementarilor, pot
beneficia de garantare atat depondentii romani, cat si cei straini, a mentionat
Vulpescu. "Fondul garanteaza in acest fel toate sumele depuse in orice tip
de cont bancar (cont curent, cont de economii, cont comun, depozit etc.)
inclusiv dobanda aferenta, in limita a 20.000 de euro, echivalent in lei. In urmatoarele
zile, plafonul de garantare, pentru deponentii persoane fizice, va fi ridicat
la 50.000 de euro, echivalent in lei.
Cursul de schimb care se ia in calcul este
cursul BNR". Fondul garanteaza depozitele detinute, la bancile din
Romania, de rezidenti si nerezidenti, constituite atat in moneda nationala, cat
si in valute convertibile (euro, dolar, lira sterlina, franc elvetian), care
sunt cotate de BNR, a mai precizat Vulpescu. Toate bancile constituite ca
persoane juridice romane fac parte din schema de garantare si sunt membre ale
Fondului de garantare a depozitelor din sistemul bancar din Romania. Exceptie
fac sucursalele bancilor straine care nu sunt entitati juridice romanesti, care
vor oferi deponentilor romani acelasi plafon de garantare din tara-mama, cum e
cazul ING Romania. In cazul ipotetic al unui faliment bancar, precizeaza
Vulpescu, deponentilor li se va calcula o compensatie care va rezulta din
diferenta intre sumele economisite in depozite, inclusiv dobanda datorata de
banca, si creditele sau alte datorii fata de banca respectiva.
"Plata compensatiilor se face prin
banci desemnate, in maximum trei luni de la data deschiderii procedurii
falimentului. In prezent se discuta, la nivelul Uniuni Europene, reducerea
acestui termen la cateva zile", a mai precizat Vulpescu. Practic Fondul
acopera fiecare dintre depozitele pe care o persoana fizica le face la mai
multe banci, in limita plafonului stabilit. "Plafonul de garantare se
aplica individual pentru fiecare deponent si pentru fiecare banca in
parte", a mai precizat Vulpescu.
Sursa: Business24