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incredere in viitoarea sa evolutie. Este important de mentionat faptul ca pentru moment principalii jucatori reprezinta capitalul european investit in piata financiara din Romania in timpul ultimelor doua decade si ca acest capital a fost direct afectat de evolutia monetar-financiara la nivel global si continental. 6. Piata creditului de consum a ALB in cifre la sfarsitul lunii iunie 2012 Membrii ALB, reprezentanţi ai creditului de consum au acordat credite în valoare de 225,8 milioane Euro, din care 206,5 milioane Euro (91,4%) credite destinate consumului personal, 14,6 milioane Euro (6,5%) credite industriale si 4,7 milioane Euro (2,1%) credite auto, astfel: În domeniul creditelor destinate consumului personal, imprumuturile de tip nevoi personale detin o cota de 52%, creditele de tip revolving (inclusiv cardurile de credit) au o pondere de 34%, iar credite la POS 14%. Din totalul finantarilor de tip credit auto acordate, 95% au fost destinate achizitiei de vehicule noi si doar 5% achizitiei de vehicule second hand. Din totalul finantaărilor acordate in functie de valoarea creditului, 59% au fost credite intre 0 si 1000 Euro, 24% intre 1000 si 5000 Euro, 9% intre 5000 si 10 000 Euro si 8% mai mult de 10 000 Euro. In ceea ce priveste creditele acordate pe categorii de varsta, 29% au fost acordate persoanelor cu varste cuprinse intre 35 si 45 de ani, 26% persoanelor care au peste 55 de ani, 20% persoanelor cu varste cuprinse intre 25 şi 35 de ani, 20% persoanelor cu varste cuprinse intre 45 şi 55 de ani, si doar 5% persoanelor sub 25 de ani. Din totalul finantarilor acordate in functie de sex si din punct de vedere al situatiei civile a clientilor 50% au fost credite pentru persoane de sex feminin si 50% pentru persoane de sex masculin, din care 70% declara ca sunt casatoriti şi 30% necasatoriti. In funcţie de gradul de educare 52% au fost development. It is important to mention that for the time being the main players represent the European capital invested in the financial market in Romania during the last two decades and this capital has directly been affected by the monetary and financial evolution at the global and continental level. 6. ALB‘s market of consumer credit in figures as of end of June 2012 The ALB members representing the consumer credit granted credits amounting 225.8 million Euros, out of which 206.5 million Euros (91.4%) consumer credits for personal consumption, 14.6 million Euros (6.5%) industrial credits and 4.7 million Euros (2.1%) credits for vehicles, namely: In the field of consumer credits for personal consumption, the personal loans have a quota of 52%, the revolving credits 34% and credits at the point of sale 14%. Out of the granted financing for the vehicle credits, 95% were dedicated to the acquisition of new vehicles and only 5% to the acquisition of second-hand vehicles. Out of the total granted financing depending on the loan amount, 59% were loans between 0 and 1000 Euros, 24% between 1000 and 5000 Euros, 9% between 5000 and 10 000 Euros and 8% for more than 10 000 Euros. In terms of loans based on age, 29% were granted to people between ages of 35 and 45 years old, 26% to people who are over 55 years old, 20% to people aged between 25 and 35 years old, 20% to people aged between 45 and 55 years old and only 5% to people under 25 years old. Out of the total granted financing, taking into consideration the clients’ sex and marital status, 50% were loans granted to women and 50% to men, out of which 70% declared they are married and 30% unmarried. Considering the level of education 52% were loans granted to people with medium studies, 26 60184_file_interior_lucian_v9.indd 26 11/5/2012 9:21:53 AM
credite acordate persoanelor cu studii medii, 30% persoanelor cu studii superioare si 18% persoanelor cu studii elementare. ALB reprezinta conform statisticilor ALB si BNR 93% din totalul pietei creditului de consum IFN din Romania. 7. Participarea ALB la diverse organisme nationale si internationale In conformitate cu politicile membrilor si cu reprezentarea, Asociatia este membra a Federatiei Europene de Leasing – Leaseurope si a Federatiei Europene de Credit de Consum – Eurofinas. Ca urmare, ea este parte a dialogului cu anumite organisme si directii europene precum Autoritatea Bancara Europeana, DGTAXUD, DGSANCO, si DGMARKT in privinta activitatii de lobby referitoare la schimbarile directivelor europene cu privire la aria de interes si activitatea industriei. In ceea ce priveste principiile statutare de buna practica, ALB a semnat protocoale de cooperare sau s-a angajat in programe comune cu urmatoarele autoritati romanesti: Inspectoratul General al Politiei Romane, Autoritatea Nationala pentru Protectia Consumatorului, Consiliul Concurentei; echipa de experti ALB este parte activa a comisiilor de dialog social la nivelul Ministerului de Finante Publice si al Bancii Nationale a Romaniei. ALB este totodata membru activ al Comisiei Nationale de Formare Profesionala a Adultilor care functioneaza sub auspiciile Ministerului Muncii si care este gazduita de Institutul Bancar Roman. Asociatia si membrii ei au aratat un mare interes pentru programele de educatie destinate consumatorului de servicii financiare, fiind un membru activ al echipei pentru Strategia de Educatie Nationala cu scopul de a semna protocoale cu inspectoratele scolare locale in vederea inceperii programelor de educatie in licee. Asociatia este membra a Uniunii Nationale a Patronatelor cu Capital Privat din Romania – UNPCPR si din 2010 Secretarul General al Asociatiei este vicepresedinte al acestei uniuni a patronatelor. 30% to people with superior studies and 18% to people with elementary studies. Based on the ALB and NBR statistics, ALB is representing 93% of the NBFI consumer credit & leasing total market in Romania. 7. ALB’s participation in various national and international bodies In line with its members’ policies and representation the Association is member of the European Leasing Federation – Leaseurope and European Consumer Credit Federation – Eurofinas. Consequently it is part of the dialogue with certain European bodies and directorates like European Banking Authority, DGTAXUD, DGSANCO, and DGMARKT in lobbying changes to the European Directives with respect to industry’s area of interest and activity. With respect to its statutory principles of best practice ALB has signed protocols of cooperation or engaged in common programs with the following Romanian authorities: Romanian General Inspectorate of Police, National Authority for Consumer Protection, Competition Council; the ALB’s team of experts is actively part of the social dialogue commissions at the level of Ministry of Public Finance and National Bank of Romania. ALB is also active member of the National Commission for Professional Training of Adults that functions under the auspices of the Ministry of Labour and is hosted by the Romanian Banking Institute. The Association and its members have shown a high interest in educational programs for financial services consumer being an active member of the National Educational Strategy Team and aiming to sign protocols with the local educational inspectorates for starting dedicated educational programs in high schools. The Association is member of the National Union of Employers of Private Equity in Romania - UNPCPR and functions through its Secretary General as vice president of the Employers since 2010. 27 60184_file_interior_lucian_v9.indd 27 11/5/2012 9:21:53 AM
Page 1 and 2: Piaţa Instituţiilor Financiare Ne
Page 3 and 4: 60184_file_interior_lucian_v9.indd
Page 5 and 6: Ordinul nr. 27 din 27.12.2011 - pen
Page 7 and 8: Antoaneta Curteanu Presedintele ALB
Page 9 and 10: lutii viabile de rezolvare a confli
Page 11 and 12: De la istoria leasingului si a cred
Page 13 and 14: finantare a vietii cotidiene a unei
Page 15 and 16: Leasingul in prima jumatate a secol
Page 17 and 18: cu mobilizarea americanilor pentru
Page 19 and 20: in aceasta piata locala. Exista nev
Page 21 and 22: consum, in special cele in devize (
Page 23 and 24: inregistrate in Registrul General,
Page 25: activitate. In timp ce dezvoltarea
Page 29 and 30: acestuia in puterea si in rolul sau
Page 31 and 32: Evolutia pietei de leasing financia
Page 33 and 34: Piata de leasing financiar din Roma
Page 35 and 36: Piata de leasing financiar (echipam
Page 41 and 42: Piata de leasing din Romania dupa n
Page 43 and 44: Piata de leasing din Romania dupa n
Page 45 and 46: Outstanding by Loan Type Portofoliu
Page 47 and 48: New Credit for Personal Consumption
Page 49 and 50: New Credit Granted by Client Age Cr
Page 51 and 52: New Credit Granted by Client Macro-
Page 53 and 54: New Credit Granted by Marital Statu
Page 55 and 56: New Credit Granted by Net Income of
Page 57 and 58: Criminalitate de Business Intrebare
Page 59 and 60: se expuna incalcarii anumitor preve
Page 61 and 62: 60184_file_interior_lucian_v9.indd
Page 63 and 64: pentru a evita astfel plata TVA la
Page 65 and 66: Incepeam acest articol prin a spune
Page 67 and 68: Provocări curente privind aplicare
Page 69 and 70: Există trei tipuri de relații de
Page 71 and 72: ea justă sau fluxurile de trezorer
Page 73 and 74: Acoperirea fluxurilor de trezorerie
Page 75 and 76: • transferă activul financiar, i
Page 77 and 78:
Achiziția unui portofoliu de crean
Page 79 and 80:
cu dificultăți operaționale care
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prevăzând clasificarea în două
Page 83 and 84:
VI. Texte legislative pentru IFN-ur
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modernisation, consolidation or exp
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(3) In case there is no legal oblig
Page 89 and 90:
elevant competent authorities, with
Page 91 and 92:
ORDER No. 25/2011 of the National B
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ANNEX OF NBR ORDER NO. 25/2011 STAT
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19. - category 1*) 20. - category 2
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7. - category 2**) 8. Total (lines
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Item No. Classification categories
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1*) 23. - category 2*) 24. Total (l
Page 103 and 104:
ORDER No. 27/ 27 December 2010 Offi
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Order No. 4 din 8 March 2012 Publis
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Item Classification Gross exposures
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f) A Category countries - Member St
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the requirements provided for under
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Article 16 - The exposure incurred
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CHAPTER VI Reporting requirements A
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117 60184_file_interior_lucian_v9.i
Page 119 and 120:
119 60184_file_interior_lucian_v9.i
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categories, as defined in RNTR 2, e
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(3) The tax reduction rate, provide
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the time when this Law takes effect
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Annex No. 2 - Pollution tax rates,
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Annex No. 3 - pollution tax rates,
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Annex No. 5 - Additional pollution
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(3) The amounts shall be refunded b
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“l^1) 50% of the costs of road mo
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The cancellation will be effective
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