{"id":13015,"date":"2023-10-06T11:21:56","date_gmt":"2023-10-06T08:21:56","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=13015"},"modified":"2023-12-30T00:20:11","modified_gmt":"2023-12-29T22:20:11","slug":"creditele-tot-scumpe-bnr-mentine-dobanda-cheie-la-7-scenariu-negru-pentru-economie","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/creditele-tot-scumpe-bnr-mentine-dobanda-cheie-la-7-scenariu-negru-pentru-economie\/","title":{"rendered":"Creditele, tot scumpe. BNR men\u021bine dob\u00e2nda-cheie la 7%. Scenariu negru pentru economie"},"content":{"rendered":"<figure class=\"wp-block-image size-full is-resized\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"800\" height=\"458\" data-attachment-id=\"13127\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/creditele-tot-scumpe-bnr-mentine-dobanda-cheie-la-7-scenariu-negru-pentru-economie\/mugur-isarescu-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?fit=800%2C458&amp;ssl=1\" data-orig-size=\"800,458\" data-comments-opened=\"0\" data-image-title=\"mugur-isarescu\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?fit=800%2C458&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?resize=800%2C458&#038;ssl=1\" alt=\"\" class=\"wp-image-13127 lazyload\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/458;aspect-ratio:1.7777777777777777;width:837px;height:auto\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?resize=300%2C172&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?resize=768%2C440&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?resize=18%2C10&amp;ssl=1 18w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">BNR men\u021bine dob\u00e2nda-cheie la 7% pe an, ceea ce \u00eenseamn\u0103 credite tot scumpe \u0219i greu de accesat pentru popula\u021bie. Pruden\u021ba este cuv\u00e2ntul de  ordine \u00een cadrul Consiliului de Administra\u021bie al B\u0103ncii Na\u021bionale a Rom\u00e2niei. Eco\u00adnomia \u201ecre\u015fte modest\u201c compa\u00adrativ cu previziunile, iar creditarea privat\u0103 \u201econtinu\u0103 s\u0103 decelereze\u201c. Astfel a motivat boardul BNR decizia de men\u021binere a politicii de dob\u00e2nd\u0103 monetar\u0103, nivel stabilit la \u00eenceputul acestui an. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Risc de infla\u021bie din cauza m\u0103surilor fiscale <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Potrivit estim\u0103rilor BNR, rata anual\u0103 a infla\u0163iei va continua s\u0103 scad\u0103 p\u00e2n\u0103 la sf\u00e2r\u0219itul anului, datorit\u0103 recoltei bogate de pe plan intern \u015fi a plafon\u0103rii temporare a adaosului comercial la produse alimentare de baz\u0103. \u00cens\u0103, pachetul de m\u0103suri fiscale, ce cuprinde cre\u0219teri de taxe \u0219i impozite noi, precum \u0219i eliminarea unor facilit\u0103\u021bi fiscale, devine un factor de risc major pentru infla\u021bie, avertizeaz\u0103 speciali\u0219tii BNR. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eDincolo de finele anului curent, incertitudini \u015fi riscuri majore la adresa perspectivei infla\u00ad\u0163iei decurg din configura\u0163ia pachetului de m\u0103suri fiscal-bugetare ce se prefigureaz\u0103 a fi implementat \u00een vederea continu\u0103rii consolid\u0103rii bugetare, precum \u015fi din conduita viitoare a politicii fiscale \u015fi de venituri, de natur\u0103 s\u0103 exercite efecte infla\u0163ioniste pe termen scurt, dar s\u0103 intensifice presiunile dezinfla\u0163ioniste ale factorilor fundamentali pe un orizont mai \u00eendep\u0103rtat de timp\u201c, a transmis Banca Na\u021bional\u0103 a Rom\u00e2niei. Asta \u00eenseamn\u0103 c\u0103 relaxarea politicii monetare, at\u00e2t de a\u0219teptat\u0103 de rom\u00e2nii care vor s\u0103 ob\u021bin\u0103 un credit, va fi am\u00e2nat\u0103. Totul, \u00een contextul \u00een care avansul credit\u0103rii private (pentru companii \u015fi popula\u0163ie) a cobor\u00e2t \u00een august la 5,5%, de la peste 10% \u00een martie, din cauza dob\u00e2nzilor mari. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Leul \u00een compara\u021bie cu euro \u0219i dolarul<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Potrivit datelor BNR, cursul de schimb leu\/euro a urcat relativ abrupt \u00een prima parte a lunii septembrie \u2013 similar ratelor de schimb ale monedelor din regiune. \u00cen paralel, moneda na\u021bional\u0103 a consemnat o depreciere notabil\u0103 fa\u021b\u0103 de dolarul SUA, \u00een contextul trendului de \u00eent\u0103rire a acestuia pe pie\u021bele financiare interna\u021bionale.<\/p>","protected":false},"excerpt":{"rendered":"<p>BNR men\u021bine dob\u00e2nda-cheie la 7% pe an, ceea ce \u00eenseamn\u0103 credite tot scumpe \u0219i greu de accesat pentru popula\u021bie. Pruden\u021ba este cuv\u00e2ntul de ordine \u00een cadrul Consiliului de Administra\u021bie al B\u0103ncii Na\u021bionale a Rom\u00e2niei. Eco\u00adnomia \u201ecre\u015fte modest\u201c compa\u00adrativ cu previziunile, iar creditarea privat\u0103 \u201econtinu\u0103 s\u0103 decelereze\u201c. Astfel a motivat boardul [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13127,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":0,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[9,17],"tags":[3192,343,3191,3190,618,3108,3189],"class_list":["post-13015","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-economic","tag-banca-nationala","tag-bnr","tag-credite","tag-dobanda","tag-inflatie","tag-leu","tag-politica-cheie"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-3nV","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2023\/12\/mugur-isarescu-scaled.jpg?fit=800%2C458&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/13015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=13015"}],"version-history":[{"count":3,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/13015\/revisions"}],"predecessor-version":[{"id":13129,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/13015\/revisions\/13129"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/13127"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=13015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=13015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=13015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}