{"id":50855,"date":"2025-12-09T18:45:18","date_gmt":"2025-12-09T18:45:18","guid":{"rendered":"https:\/\/247stiri.ro\/index.php\/2025\/12\/09\/comisia-europeana-propune-noi-norme-drastice-pentru-sectorul-bancar-cine-va-avea-de-pierdut\/"},"modified":"2025-12-09T18:45:18","modified_gmt":"2025-12-09T18:45:18","slug":"comisia-europeana-propune-noi-norme-drastice-pentru-sectorul-bancar-cine-va-avea-de-pierdut","status":"publish","type":"post","link":"https:\/\/247stiri.ro\/index.php\/2025\/12\/09\/comisia-europeana-propune-noi-norme-drastice-pentru-sectorul-bancar-cine-va-avea-de-pierdut\/","title":{"rendered":"Comisia European\u0103 propune noi norme drastice pentru sectorul bancar. Cine va avea de pierdut"},"content":{"rendered":"

Banca Central\u0103 European\u0103 (BCE)<\/a> preg\u0103te\u0219te o reform\u0103 a reglement\u0103rilor bancare menit\u0103 s\u0103 elimine din complexitatea creat\u0103 dup\u0103 criza financiar\u0103 din 2007-2008, dar f\u0103r\u0103 a sl\u0103bi siguran\u021ba sistemului financiar. Institu\u021bia propune ca rezervele de capital stabilite la nivel na\u021bional s\u0103 fie comasate, astfel \u00eenc\u00e2t b\u0103ncile s\u0103 respecte un singur tip de cerin\u021b\u0103 de capital \u00een \u00eentreaga Uniune European\u0103<\/a>.<\/p>\n

Potrivit surselor citate de Reuters, m\u0103surile propuse vor \u201ereduce num\u0103rul cerin\u021belor de capital, f\u0103r\u0103 a reduce nivelul acestora\u201d. Altfel spus, b\u0103ncile vor trebui s\u0103 \u00eendeplineasc\u0103 mai pu\u021bine tipuri de reguli, dar suma total\u0103 de capital obligatorie pe care trebuie s\u0103 o pun\u0103 deoparte ca rezerv\u0103 r\u0103m\u00e2ne neschimbat\u0103.<\/p>\n

O schimbare important\u0103 ar fi combinarea a dou\u0103 tipuri de \u201eplase de siguran\u021b\u0103\u201d<\/p>\n

O schimbare important\u0103 ar fi combinarea a dou\u0103 tipuri de \u201eplase de siguran\u021b\u0103\u201d financiare ale b\u0103ncilor: una destinat\u0103 riscurilor mari din economie \u0219i alta care se activeaz\u0103 \u00een perioade de boom al credit\u0103rii. \u00cen prezent, aceste cerin\u021be difer\u0103 mult la nivel na\u021bional, variind de la 0,5% \u00een \u021b\u0103ri precum Italia \u0219i Cehia, la 7% \u00een Danemarca. Sumele respective ajut\u0103 la acoperirea eventualelor pierderi \u0219i protejeaz\u0103 clien\u021bii \u00een situa\u021bii de criz\u0103.<\/p>\n

Reforma avansat\u0103 de BCE urm\u0103re\u0219te s\u0103 reduc\u0103 birocra\u021bia, s\u0103 unifice raport\u0103rile cerute de autorit\u0103\u021bi \u0219i s\u0103 ofere un cadru mai clar inclusiv pentru b\u0103ncile mici, care se pl\u00e2ng c\u0103 regulile actuale \u201esunt prea complexe \u0219i le pun \u00een dezavantaj fa\u021b\u0103 de competitorii americani\u201d. Totu\u0219i, BCE nu inten\u021bioneaz\u0103 s\u0103 reduc\u0103 nivelul total de capital impus, exist\u00e2nd o \u201edisponibilitate foarte redus\u0103 pentru diminuarea cerin\u021belor generale de capital\u201d.<\/p>\n

\u00cen Statele Unite \u0219i Marea Britanie autorit\u0103\u021bile \u201eau fost mai agresive \u00een dereglementare\u201d<\/p>\n

Propunerea BCE este considerat\u0103 mai prudent\u0103 \u00een compara\u021bie cu deciziile recente din Statele Unite \u0219i Marea Britanie, unde autorit\u0103\u021bile \u201eau fost mai agresive \u00een dereglementare\u201d \u0219i au relaxat regulile, permi\u021b\u00e2nd b\u0103ncilor s\u0103 acorde \u00eemprumuturi cu mai pu\u021bine limit\u0103ri pentru a stimula economia. Abordarea BCE \u00eei nemul\u021bume\u0219te pe bancherii europeni, care se afl\u0103 \u00een competi\u021bie cu rivalii lor americani.<\/p>\n

Propunerile vor ajunge \u00een continuare la Comisia European\u0103 \u0219i ar putea necesita ani pentru a deveni lege. Dezbaterea privind protec\u021bia contribuabililor \u00een cazul unor viitoare crize bancare r\u0103m\u00e2ne deschis\u0103.<\/p>","protected":false},"excerpt":{"rendered":"

Banca Central\u0103 European\u0103 (BCE) preg\u0103te\u0219te o reform\u0103 a reglement\u0103rilor bancare menit\u0103 s\u0103 elimine din complexitatea…<\/p>\n","protected":false},"author":0,"featured_media":50827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-50855","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\/50855","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=50855"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/50855\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/50827"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=50855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=50855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=50855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}