Descarca catalogul - ALB

More documents

Recommendations

Info

8. Creditare responsabila – in mai a intrat in vigoare Codul de Bune Practici semnat si asumat de industria creditului de consum. Textul acestui cod de autoreglementare a fost revizuit si aprobat de Autoritatea Nationala pentru Protectia Consumatorului si produce efecte juridice pentru semnatari si clientii acestora. Acest Cod impune ALB sa monitorizeze respectarea principiilor de creditare care sunt definite de Codul de Bune Practici. Adunarea Generala Anuala din 2012 a decis ca industria leasingului ar trebui sa inceapa si ea sa elaboreze Codul de bune practici al acestei industrii cu scopul ca finantatorii sa transparentizeze si sa respecte principiile de buna practica in relatiile contractuale cu utilizatorii, fie ca acestia sunt persoane fizice ori juridice. Concluzie: Piata financiara nebancara din Romania este inca la inceputuri in comparatie cu istoria acestor produse in alte economii! Unii ar putea spune că mediul actual financiar nu ar trebui să sprijine dezvoltarea în continuare a acestor produse …. Altii ar putea spune ca in principal aceste doua servicii financiare speciale ar putea fi o solutie alternativa pentru rezolvarea problemelor financiare ale economiilor. Creditul de consum ar putea inlesni mentinerea increderii populatiei intr-un stil de viata care nu este in mod necesar definit prin consum, ci prin ideea de „indatorare productiva”! Leasingul ar putea servi, in lipsa lichiditatilor, ca sursa alternativa pentru rezolvarea situatiilor economice si conjuncturale dificile ... realitatea economica romaneasca a aratat faptul ca agentii economici au inceput sa inteleaga rolul leasingului in astfel de vremuri dificile din punct de vedere financiar atunci cand au cerut “sale & lease back”! Istoria a aratat ca leasingul poate sprijini de-a lungul secolelor marile bugete de razboi! El are bineinteles nevoie de doua elemente importante: sprijinul statului si increderea 8. Responsible lending – in May 2012 the Code of Best Practice signed and assumed by the Consumer Credit industry has entered into force. The text of this self-regulatory code has been revised and approved by the National Authority of Consumer Protection and produces legally effects towards its signatories and their customers. The Code enforces ALB to monitor the respect of the responsible lending principles that are defined by the Code of Best Practice. The Annual General Assembly in 2012 has decided that the leasing industry should also start working on the text of industry’s Code of best practice aimed to better transparency and best practice principles’ respect by lessors in their contractual relationship with lessees, being those individuals or legal entities. Conclusion: Non-banking financial market in Romania is yet at its beginnings when compared with the history of these products in other economies! Some may say that the present financial environment should not support further development of these products…. Other may say that mainly these two special financial services may be an alternative solution to solving the financial problems of the economies. Consumer credit may help the maintenance of the population confidence in a life style that is not necessarily defined by consumption but by the idea of “productive debt”! Leasing may serve, when lack of liquidities, as alternative source for solving conflict situations….the Romanian economic reality has shown that the economic agents have started understanding the role of leasing in such difficult financial times when asking for “sale & lease back”! History has proved that leasing can support, through centuries, big war budgets! It needs, of course, two important elements: state support and confidence in its power and economic role. Personally, I trust that the decision makers in Romania will understand the role leasing and consumer credit may 28 60184_file_interior_lucian_v9.indd 28 11/5/2012 9:21:53 AM
acestuia in puterea si in rolul sau economic. In ceea ce ma priveste, eu sunt convinsa ca factorii decizionali din Romania vor intelege rolul pe care leasingul si creditul de consum l-ar putea juca in viitoarea dezvoltare a economiei romanesti si in principal rolul acestor produse in punerea la dispozitie a unui cadru economic reglementat acolo unde sunt mai putine lichiditati. Asadar, leasingul poate fi un produs clasic care nu rivalizeaza, ci este o solutie alternativa creditului pentru a oferi sursele finaciare adecvate de exemplu pentru viitoarele parteneriate public private in construirea infrastructurii atat de necesara in Romania. play in the near future development of the Romanian economy and mainly the role of these products in offering an economic framework agreement where is less liquidity. Thus, leasing may be a classic product that does not compete but alternates with credit in offering the adequate financial sources for instance for the future public private partnerships in building the so much needed infrastructure in Romania. Surse bibliografice selectate • US Navy: Lend-Lease Act Text • U-boat.net: The Lend-Lease Act • Library of Congress: Lend-Lease & the Soviet Union • British War Economy: Lend-Lease • Microcredit site WBK • eHow.com – Brief history of consumer credit • BNR: Raport anual 2011 Selected Sources • US Navy: Lend-Lease Act Text • U-boat.net: The Lend-Lease Act • Library of Congress: Lend-Lease & the Soviet Union • British War Economy: Lend-Lease • Microcredit site WBK • eHow.com – Brief history of consumer credit • NBR – 2011 Annual Report 9. Grafice 9. Graphics Adriana Ahciarliu Secretar General ALB România 29 60184_file_interior_lucian_v9.indd 29 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 and 26: activitate. In timp ce dezvoltarea
Page 27: credite acordate persoanelor cu stu
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
Page 81 and 82:
prevăzând clasificarea în două
Page 83 and 84:
VI. Texte legislative pentru IFN-ur
Page 85 and 86:
modernisation, consolidation or exp
Page 87 and 88:
(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
Page 93 and 94:
ANNEX OF NBR ORDER NO. 25/2011 STAT
Page 95 and 96:
19. - category 1*) 20. - category 2
Page 97 and 98:
7. - category 2**) 8. Total (lines
Page 99 and 100:
Item No. Classification categories
Page 101 and 102:
1*) 23. - category 2*) 24. Total (l
Page 103 and 104:
ORDER No. 27/ 27 December 2010 Offi
Page 105 and 106:
Order No. 4 din 8 March 2012 Publis
Page 107 and 108:
Item Classification Gross exposures
Page 109 and 110:
f) A Category countries - Member St
Page 111 and 112:
the requirements provided for under
Page 113 and 114:
Article 16 - The exposure incurred
Page 115 and 116:
CHAPTER VI Reporting requirements A
Page 117 and 118:
117 60184_file_interior_lucian_v9.i
Page 119 and 120:
119 60184_file_interior_lucian_v9.i
Page 121 and 122:
categories, as defined in RNTR 2, e
Page 123 and 124:
(3) The tax reduction rate, provide
Page 125 and 126:
the time when this Law takes effect
Page 127 and 128:
Annex No. 2 - Pollution tax rates,
Page 129 and 130:
Annex No. 3 - pollution tax rates,
Page 131 and 132:
Annex No. 5 - Additional pollution
Page 133 and 134:
(3) The amounts shall be refunded b
Page 135 and 136:
“l^1) 50% of the costs of road mo
Page 137 and 138:
The cancellation will be effective
show all

Descarca catalogul - ALB

Create successful ePaper yourself

Delete template?

Save as template?