10 b\u0103nci – cercetate pentru c\u0103 au fixat ROBOR c\u00e2t mai sus<\/p>\n
ROBOR (Romanian Interbank Offer Rate) este rata dob\u00e2nzii la care b\u0103ncile care contribuie la calcularea acestui indice sunt dispuse s\u0103 ofere \u00eemprumuturi sub form\u0103 de depozite \u00een lei celorlalte b\u0103nci contributoare. Prin ROBOR o banc\u0103 poate atrage lichiditate, sau poate sc\u0103pa de ea, atunci c\u00e2nd are lichiditate \u00een exces.<\/p>\n
Autoritatea de concuren\u0163\u0103 are \u00een derulare dou\u0103 investiga\u0163ii privind pia\u0163a bancar\u0103. Prima se refer\u0103 la posibile \u00een\u0163elegeri \u00eentre cele 10 b\u0103nci pentru fixarea ratei dob\u00e2nzii ROBOR, la un nivel c\u00e2t mai ridicat, \u00een cadrul procedurii de \u201efixing\u201d (stabilirea ratelor de referin\u0163\u0103 pentru ROBOR \u015fi ROBID), a anun\u021bat Bogdan Chiri\u021boiu, la o conferin\u021b\u0103 de specialitate.<\/p>\n
\u201eLa anul trebuie, asta e inten\u0163ia, s\u0103 termin\u0103m investiga\u0163iile pe b\u0103nci. Sunt dou\u0103 investiga\u0163ii pe b\u0103nci. A\u015f vrea s\u0103 le termin\u0103m pe am\u00e2ndou\u0103 deodat\u0103, dac\u0103 putem, adic\u0103 undeva s\u0103 evit\u0103m riscul \u00een care d\u0103m dou\u0103 mega-amenzi una dup\u0103 alta.<\/p>\n
Deci undeva s\u0103 \u0163inem s\u0103 le vedem ca un pachet, dac\u0103 ajungem la amenzi. E posibil s\u0103 nu ajungem la amenzi.<\/p>\n
Una prive\u015fte o posibil\u0103 \u00een\u0163elegere pentru stabilirea indicatorilor gen ROBOR. Aici vorbim de trezoreriile b\u0103ncilor.<\/p>\n
Cealalt\u0103 vizeaz\u0103 modul cum func\u0163ioneaz\u0103 biroul de scoring (biroul de credite), care e condus de b\u0103nci, \u00een care suspiciunea este c\u0103 prin faptul c\u0103 sunt penaliza\u0163i clien\u0163ii care fac multe interog\u0103ri sau pentru care se fac multe interog\u0103ri, deci care caut\u0103 la mai multe b\u0103nci s\u0103 ia credite, e descurajat\u0103 migra\u0163ia clien\u0163ilor.<\/p>\n
Dac\u0103 lucrezi cu banca la care e\u015fti e una, dar dac\u0103 tu \u00eencerci s\u0103 mai \u00eentrebi \u015fi la b\u0103nci concurente, atunci \u00ee\u0163i scade scoringul, e\u015fti v\u0103zut ca fiind mai riscant. Deci \u00eentr-un fel e\u015fti descurajat s\u0103 te mul\u0163i la o alt\u0103 banc\u0103, asta e suspiciunea\u201d, a anun\u021bat Chiri\u021boiu.<\/p>\n
Cele 10\u00a0b\u0103nci\u00a0care \u00eendeplinesc rolul de participant la calculul\u00a0ROBOR\u00a0sunt\u00a0Banca\u00a0Comercial\u0103 Intesa Sanpaolo Rom\u00e2nia,\u00a0Banca\u00a0Comercial\u0103 Rom\u00e2n\u0103, BRD \u2010 Groupe Societe Generale,\u00a0Banca\u00a0Transilvania, CEC Bank, Eximbank, ING Bank NV Amsterdam \u2013 Sucursala Bucure\u015fti, OTP Bank Rom\u00e2nia, Raiffeisen Bank \u015fi Unicredit Bank.<\/p>","protected":false},"excerpt":{"rendered":"
10 b\u0103nci – cercetate pentru c\u0103 au fixat ROBOR c\u00e2t mai sus ROBOR (Romanian Interbank…<\/p>\n","protected":false},"author":0,"featured_media":409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual"],"_links":{"self":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/408","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/comments?post=408"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/408\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/409"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}