Descarca catalogul - ALB

in aceasta piata locala. Exista nevoia de a avea
un cadru juridic si de a constientiza importanta
acestor produse financiare pentru dezvoltarea
economiei. Conjunctura economica era
pozitiva, iar piata, inclusiv piata de leasing si
de credit, cunoastea o intensa crestere. Aceasta
crestere trebuia sa fie sprijinita de un anumit
nivel de reglementare!
Raspunsul legislativ a fost unul pozitiv, iar anul
2006, chiar inainte de intrarea Romaniei in
Uniunea Europeana, a marcat intrarea in vigoare
a noii legi a leasingului special ameliorata, a
legii institutiilor financiare nebancare, precum
si a modificarilor aduse tratamentului fiscal si
definitiei leasingului financiar si operational.
Acest nou set legislativ este inca in vigoare
si reprezinta baza legala pe care se sprijina
aceasta industrie specifica. Aceasta baza a fost
apoi dezvoltata din punct de vedere prudential
de catre Banca Nationala a Romaniei.
Mai exista inca voci care considera ca aceasta
piata nu ar fi trebuit sa fie reglementata sau voci
care au opinia ca nivelul pietei leasingului si al
creditului de consum continua sa fie interesant
dupa acesti ani de criza tocmai datorita faptului
ca piata este reglementata, iar acest nivel
de reglementare da in continuare incredere
investitorilor prezenti si viitori.
3. Gradul de constientizare al institutiilor
financiare nebancare precum leasingul si
creditul de consum din Romania are o mare
importanta pentru toate partile implicate.
Una dintre cele mai importante parti este
reprezentata de puterea legislativa. Atentia
indreptata asupra dialogului social ne arata ca
rolul puterii legislative, fie ca e vorba de Executiv
ori de Parlament, este acela de a actualiza
cadrul legislativ la realitatea economica. Aici
apare rolul Asociatiei de zona de tampon intre
jucatorii din piata si factorii decizionali, inclusiv
presa! Dupa cum puteti vedea in graficele din
acest capitol, leasingul a avut un rol de mare
importanta in 2008 cand finanta aproape 4% din
further invest in this local market. There was
the need for a legal framework and for official
awareness of the importance of these financial
products for the development of the economy.
The economic conjuncture was positive and the
market, including leasing and credit market,
was growing intensively. This growth had to be
supported by a certain level of regulation!
The legislative response was positive and the
year 2006, just before Romania’s accession
into European Union, had marked the entering
into force of the newly amended special leasing
law, the non-banking financial institutions law
as well as amendments to the fiscal treatment
and definition of leasing, both financial and
operational. This new legislative kit is still
in force and represents the legal base for
supporting this specific industry. This base was
further developed from the prudential point of
view by the National Bank of Romania.
There are still voices that do consider that
this market should not have been regulated or
voices that do express the opinion that the level
of leasing and consumer credit market keeps
being interesting after these years of crisis
just because the market is regulated and such
level of regulation keeps the confidence for the
present and future investors.
3. The awareness of non-banking financial
institutions like leasing and consumer credit
in Romania is of great importance for all
involved parties. One of the most important
parties is represented by the legislative power. A
focus on the social dialogue shows that the role
of the legislative power, being it the Executive
or the Parliament, is to upgrade the legislative
framework to the reality of the economy. Here
comes also the Association’s role as a buffer
zone between the players in the market and the
decision makers, including media! As you may
see in the graphics in this chapter the role of
leasing was of high importance in 2008 when
it was financing almost 4% of GDP. It became
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