Stiri	Stiri afaceri	Stiri companii	Evenimente de afaceri

Bankers to submit the crediting norms proposals to BNR

The next week, the banks will present to the National Bank of Romania (BNR) their proposals regarding the norms that will regulate the credits for natural persons. The president of the Romanian Association of Banks (ASR), Radu Gratian Ghetea, declared yesterday, Mediafax informs. "We shall present next week to BNR a document with the proposals of the banks for crediting norms. We shall definitely ask to separate in the regulations the mortgage credits from the consumer ones, and the guaranteed from the non-guaranteed credits," Ghetea stated, after the signing of the syndicated loan granted by CEC Bank together with Alpha Bank to Craiova Energy Complex.

As for the decision to authorize also the treasurers from the second echelon, Ghetea estimates that this measure is beneficial also for banks. "I do not deem inconvenient the fact that the authorization is carried downward, because BNR has much information and at a certain moment we, the banks, could benefit from the respective information," ARB president stated.

Referring to the task group working with the representatives of the Ministry of Economy and Finances (MEF) over the reduction of the minimum compulsory reserve, Ghetea said that he has forwarded the proposals to MEF and BNR, and that discussions will be held with the central bank probably next week, while from MEF the association still awaits the invitation.

On another hand, the crediting has been slowed down in the banking system, but not blocked, the banks becoming more careful about the situation of the clients, Radu Gratian Ghetea also declared. "An almost false image is created when it is concluded that the credits are blocked. They are slowed down, but not blocked. When a bank gives a funding line for an investment, this is a contract which cannot be denounced unilaterally," Ghetea stated. The same also said that if certain commercial banks cannot fulfil the cash flow and income conditions or lag behind with the payments, the banks become more careful and if before the crisis they were more tolerant in regard to these aspects, now they are extremely cautious.

Ghetea also said that the commercial banks have reasons to be more careful, because any outstanding credit can create a discomfort, and in conditions of crisis it grows up and can conduct to a crisis of liquidity. "We must be aware that the funding lines from abroad are not the same any longer, and internally the same pie (liquidities - editor's note) is distributed differently," Ghetea added.

 

Sursa: http://www.nineoclock.ro

Tags: banks ghetea crediting bnr proposals norms cec

Articole similare