{"id":25141,"date":"2011-05-10T10:50:00","date_gmt":"2011-05-10T10:50:00","guid":{"rendered":""},"modified":"2020-09-25T09:35:55","modified_gmt":"2020-09-25T09:35:55","slug":"sistemul-monetar-si-creditar-2","status":"publish","type":"post","link":"https:\/\/rubyskynews.com\/index.php\/2011\/05\/10\/sistemul-monetar-si-creditar-2\/","title":{"rendered":"SISTEMUL MONETAR \u015eI CREDITAR"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div><p>\u00cen 1998 BNM a implementat un \u0163ir de m\u0103suri, ce aveau drept scop consolidarea b\u0103ncilor \u015fi minimizarea riscurilor posibile de faliment ale acestora. Aceste m\u0103suri includ stabilirea capitalului normativ minim la 8 mil lei \u015fi introducerea unor noi cerin\u0163e fa\u0163\u0103 de lichiditatea b\u0103ncilor comerciale. \u00cencep\u00e2nd cu 1 ianuarie 1998, b\u0103ncile comerciale au fost obligate s\u0103-\u015fi m\u0103reasc\u0103 capitalul normativ la 16 mil lei pentru ob\u0163inerea dreptului de efectuare a opera\u0163iunilor \u00een valut\u0103 str\u0103in\u0103 \u015fi 24 mil lei pentru opera\u0163iunile pe pia\u0163a h\u00e2rtiilor de valoare de stat.<br \/>\n S-a observat c\u0103 pentru perioada 1998-1999 75% din suma total\u0103 a activelor revin la 7-8 b\u0103nci comerciale, iar restul revin la 15 b\u0103nci mai mici.<br \/>\n Actualmente, b\u0103ncile comerciale sunt cointeresate \u00een activit\u0103\u0163i pe termen scurt, inclusiv acordarea creditelor pe termen scurt. Aceasta se datoreaz\u0103 ne\u00eencrederii investitorilor \u00een capabilitatea Guvernului de a onora obliga\u0163iile sale. \u00cen februarie 1999 s-a \u00eenregistrat, c\u0103 ponderea creditelor pe termen mai mare de un an \u00een suma total\u0103 a creditelor a constituit 14%, \u0103n timp ce ponderea creditelor \u00een valut\u0103 str\u0103in\u0103 a fost de 23.5%. De notat faptul, c\u0103 ponderea creditelor acordate persoanelor fizice \u00een volumul total al creditelor constitue numai 2-3 %. Creditele dubioase constituie o problem\u0103 srioas\u0103, \u00een deosebi pentru fostele b\u0103nci de stat. Ponderea lor este destul de \u00eenalt\u0103. \u00cen decembrie 1998 s-a \u00eenregistrat o pondere de 26%.<br \/>\n \u00cen rezultatul implement\u0103rii politicii monetare non-expansioniste, masa monetar\u0103 s-a mic\u015forat pe parcursul anului 1998 cu 9%. Banii \u00een circula\u0163ie au fost principalulu component care s-a redus cu 282 mil lei sau 22% \u00een aceea\u0163i perioad\u0103, constituind 993960000 lei \u00een ianuarie 1999.<br \/>\n Volumul depunerilor la b\u0103ncile comerciale a fost \u00een continu\u0103 cre\u015ftere pe parcursul primei jum\u0103t\u0103\u0163i a anului 1998, ating\u00e2nd cel mai \u00eenalt nivel \u00een mai . \u00cencep\u00e2nd cu septembrie este \u00eenregistrat\u0103 reducerea lor, explicat\u0103 prin a\u015ftept\u0103rile de depreciere, cauzate de falimentul sectorului bancar din Rusia \u00een mijlocul lunii august 1998. O reducere de cca o treime a avut loc la depunerile \u00een lei. \u00cen acela\u015fi timp, se poate men\u0163iona cre\u015fterea aproape de dou\u0103 ori a depunerilor \u00een valut\u0103 str\u0103in\u0103. Volumul total al depunerilor persoanelor fizice a fost aproximativ acela\u015fi pe parcursul anului 1998. Volumul depunerilor \u00een lei s-a redus cu 32%, \u00een timp ce al celor \u00een USD a crescut cu 174%. Aproximativ acela\u015fi trend s observ\u0103 la depunerile persoanelor juridice; la depunerile \u00een lei a fost \u00eenregistrat\u0103 o reducere de 38%, iar depunerile \u00een USD &#8211; o cre\u015ftere de 84%.<\/p>\n<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00cen 1998 BNM a implementat un \u0163ir de m\u0103suri, ce aveau drept scop consolidarea b\u0103ncilor \u015fi minimizarea riscurilor posibile de faliment ale acestora. Aceste m\u0103suri includ stabilirea capitalului normativ minim la 8 mil lei \u015fi introducerea unor noi cerin\u0163e fa\u0163\u0103 de lichiditatea b\u0103ncilor comerciale. \u00cencep\u00e2nd cu 1 ianuarie 1998, b\u0103ncile comerciale au fost obligate s\u0103-\u015fi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SISTEMUL MONETAR \u015eI CREDITAR - Jobs\/ Internships\/ Scholarships\/<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rubyskynews.com\/index.php\/2011\/05\/10\/sistemul-monetar-si-creditar-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SISTEMUL MONETAR \u015eI CREDITAR - Jobs\/ Internships\/ Scholarships\/\" \/>\n<meta property=\"og:description\" content=\"\u00cen 1998 BNM a implementat un \u0163ir de m\u0103suri, ce aveau drept scop consolidarea b\u0103ncilor \u015fi minimizarea riscurilor posibile de faliment ale acestora. 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