FMI cere BNR sa intareasca politica monetara iar Guvernului sa modifice legea pensiilor
Autor: Bancherul.ro
2019-08-31 08:22
Fondul Monetar International (FMI) cere Bancii Nationale a Romaniei (BNR) sa intareasca politica monetara, pentru a struni inflatia in crestere, iar Guvernului sa modifice legea pensiilor, care ar putea submina stabilitatea fiscala.
"Noua lege a pensiilor ar putea submina stabilitatea fiscala, de aceea ar trebui sa fie revizuita complet, pentru a echilibra nevoile sociale, echitatea si investitiile, conform spatiului fiscal disponibil", se spune intr-un comunicat al FMI (vezi comunicatul mai jos).
FMI prognozeaza un deficit bugetar de 3,7% in acest an, peste limita de 3% stabilita de normele europene, in timp ce inflatia ar urma sa urce la 4,2%, fata de tinta maxima a BNR, de 3,5%.
IMF Executive Board Concludes Article IV Consultation with Romania
August 30, 2019
On August 28, 2019 the Executive Board of the International Monetary Fund (IMF) concluded the Article IV consultation [1] with Romania.
Economic growth in Romania was strong in 2018, reflecting pro-cyclical fiscal policy and rapid wage increases. Unemployment reached record lows and financial sector is stable. Fiscal and current account deficits have been widening in the past few years, reaching respectively 2.8 and 4.5 percent of GDP in 2018. Although the National Bank of Romania’s (NBR) inflation target was met in 2018, inflation is gathering pace, with headline inflation exceeding the target band since February 2019. Structural reform agenda remains stalled and investment growth lagged the broader economic activity.
Growth in 2019 is expected to stay above potential at 4 percent, led by continued fiscal stimulus and strong wage growth, and be accompanied by further widening of current account and fiscal deficits. Inflation in 2019 is expected to stay above the NBR’s target band. Growth is expected to moderate to 3 percent in the medium term as the transitory effects of the fiscal stimulus fade. Lack of progress on structural reforms and subdued investment will constrain potential growth over the medium term.
With macroeconomic imbalances becoming increasingly evident, eroding buffers and undermining Romania’s capacity to withstand adverse shocks, there is a risk that the income convergence with the EU could suffer a setback. The key domestic risk is an increase in vulnerability caused by policy shocks, including further fiscal stimulus or regresses on structural reforms. Externally, the key risk stems from a sharper-than-expected external slowdown, which would widen the current account deficit, magnifying financing pressures. While Romania’s moderate public debt and reserves can provide a temporary cushion, these buffers can prove insufficient under an adverse event.
Executive Board Assessment [2]
Executive Directors agreed with the thrust of the staff appraisal. They welcomed the strong economic growth and low unemployment, but raised concerns about widening current account and fiscal deficits and renewed inflation, as well as lagging structural reforms and investment. To address the growing imbalances, Directors called for shifting from procyclical to countercyclical fiscal policy, complemented by a tighter monetary policy stance and greater exchange rate flexibility. They further supported strengthening policy predictability and renewing structural reform initiatives to sustain convergence to average EU income levels.
Directors called for a durable fiscal consolidation to help curb the twin deficits and reduce the burden on monetary policy. They encouraged sustained fiscal reforms to achieve consolidation over the medium term and improve budget composition. Directors supported meeting this year’s budget target with quality measures, including shifting expenditures away from rigid spending–such as wages and pensions–towards investment, reversing the trend of declining public investment in recent years. They cautioned that the new pension law could undermine fiscal sustainability and should be subjected to a comprehensive review, balancing social, equity and investment needs in line with available fiscal space. Directors also encouraged modernizing revenue administration by upgrading IT systems and improving compliance risk management, and improving expenditure efficiency and transparency through stronger expenditure reviews and the procurement process.
Directors supported further monetary policy tightening, given continuing inflation pressures. They encouraged further action beyond tight liquidity management to rein in inflation, which would support the credibility and independence of the central bank.
While welcoming the strong banking sector performance, Directors noted that efforts to strengthen financial stability should continue, including sustaining the good progress on implementing the 2018 FSAP recommendations. They called for measures to increase resilience to risks stemming from high bank exposure to the Romanian state and encouraged close monitoring of the new tax on bank assets due to its potential impact on monetary policy transmission and credit allocation. Directors also noted that the new AML/CFT legislation should be followed by a robust implementation.
Directors emphasized the need to re-energize the structural reform agenda to improve Romania’s medium-term growth prospects. They noted that public investment should be increased by focusing on public infrastructure and achieving a more efficient absorption of EU funds. Directors called for moving ahead with the state-owned enterprise reform agenda to improve the quality of public goods and services. They recommended moderating minimum wage hikes and linking changes to a set of objective criteria that reflect productivity. Directors further highlighted that Romania’s fight against corruption should be renewed, noting that these reforms could alleviate constraints on growth, enhance competitiveness and facilitate investment.
Romania: Selected Economic Indicators, 2017 – 20
Population: 19.6 million (2018)
Per capita GDP: US$12,301 (2018)
Quota: 1,811 million SDRs (0.4% of total)
Literacy rate: 99%
People at risk of poverty: 35.7% (2017)
Key export markets: European Union (Germany, Italy, France)
Main products and exports: Machinery and transport equipment, manufactured goods
2017
2018
2019
2020
Proj.
Output
Real GDP growth (%)
7.0
4.1
4.0
3.5
Output gap (%)
1.8
2.1
2.4
2.1
Employment
Unemployment (%)
4.9
4.2
4.3
4.6
Prices
CPI inflation (%, period average)
1.3
4.6
4.2
3.3
General government finances (% GDP)
Revenue
28.0
29.4
29.8
30.5
Expenditure
30.8
32.2
33.5
34.0
Fiscal balance
-2.8
-2.8
-3.7
-3.5
Primary balance
-1.7
-1.5
-2.3
-2.1
Structural fiscal balance 1/
-3.5
-3.6
-4.1
-4.0
Public debt (including guarantees)
36.9
36.7
37.4
38.6
Money and credit
Broad money (% change)
11.5
8.8
12.0
9.0
Credit to the private sector (% change)
5.7
8.0
8.1
6.5
Policy rate (%)
1.75
2.5
…
…
Balance of payments
Current account (% GDP)
-3.2
-4.5
-5.5
-5.2
FDI (% GDP)
-2.6
-2.5
-2.5
-2.4
Reserves (months imports)
4.9
4.3
3.9
3.7
External debt (% GDP)
49.8
48.1
47.3
46.5
Exchange rate
REER (% change)
2.0
4.4
…
…
Sources: Romanian authorities, World Bank, Eurostat and IMF staff calculations.
1/ Fiscal balance (cash basis) adjusted for the automatic effects of the business cycle and one-off effects.
[1] Under Article IV of the IMF’s Articles of Agreement, the IMF holds bilateral discussions with members, usually every year. A staff team visits the country, collects economic and financial information, and discusses with officials the country’s economic developments and policies. On return to headquarters, the staff prepares a report, which forms the basis for discussion by the Executive Board.
[2] At the conclusion of the discussion, the Managing Director, as Chairman of the Board, summarizes the views of Executive Directors, and this summary is transmitted to the country´s authorities. An explanation of any qualifiers used in summings up can be found here.
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Alte stiri din categoria: Noutati FMI
FMI cere BNR sa intareasca politica monetara iar Guvernului sa modifice legea pensiilor
Fondul Monetar International (FMI) cere Bancii Nationale a Romaniei (BNR) sa intareasca politica monetara, pentru a struni inflatia in crestere, iar Guvernului sa modifice legea pensiilor, care ar putea submina stabilitatea fiscala. "Noua lege a pensiilor ar putea submina detalii
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- Cei care-si amana ratele la credite trebuie sa se asigure ca le vor putea plati ulterior, avertizeaza bancile
- Doar 14% dintre romani prefera sa-si faca un depozit online, fara sa mearga la banca
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- Comunitatea bancara anunta ca va participa in continuare la procesul de relansare a economiei
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- Topul bancilor cu cele mai mici dobanzi la creditele de nevoi personale
- Topul bancilor la active in 2019
- Topul celor mai mari banci din Romania dupa valoarea activelor in 2018
- Topul bancilor dupa active in 2017
- Topul bancilor cu cele mai mici comisioane la contul curent cu card si online banking
Criza COVID-19
- Cum se amana ratele la creditele Garanti BBVA
- Cum se face amanarea ratelor la creditele Unicredit Bank, conform OUG 227/2020
- Cum se amana ratele la Credit Europe Bank
- Banca Romaneasca anunta cum vor fi amanate ratele la credite
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ROBOR
- ROBOR a scazut la 1,59%, dupa ce BNR a redus dobanda la 1,25%
- Dobanzile variabile la creditele noi in lei nu scad, pentru ca IRCC ramane aproape neschimbat, la 2,4%, desi ROBOR s-a micsorat cu un punct, la 2,2%
- IRCC, indicele de dobanda pentru creditele in lei ale persoanelor fizice, a scazut la 1,75%, dar nu va avea efecte imediate pe piata creditarii
- Istoricul ROBOR la 3 luni, in perioada 01.08.1995 - 31.12.2019
- ROBOR 3 luni (date statistice pe perioada 1995-2019, conform BNR)
Taxa bancara
- Normele metodologice pentru aplicarea taxei bancare, publicate de Ministerul Finantelor
- Noul ROBOR se va aplica automat la creditele noi si prin refinantare la cele in derulare
- Taxa bancara ar putea fi redusa de la 1,2% la 0,4% la bancile mari si 0,2% la cele mici, insa bancherii avertizeaza ca indiferent de nivelul acesteia, intermedierea financiara va scadea iar dobanzile vor creste
- Raiffeisen anunta ca activitatea bancii a incetinit substantial din cauza taxei bancare; strategia va fi reevaluata, nu vor mai fi acordate credite cu dobanzi mici
- Tariceanu anunta un acord de principiu privind taxa bancara: ROBOR-ul ar putea fi inlocuit cu marja de dobanda a bancilor
Statistici BNR
- Deficitul de cont curent a crescut in 2020 la 11 miliarde euro. Datoria pe termen mediu si lung, majorata cu 17 miliarde euro
- Care este numarul cardurilor cobranded din totalul cardurilor active
- Creditarea a ramas la niveluri ridicate si in luna octombrie
- Imprumuturile pentru consum si-au redus la jumatate ritmul de crestere, pe cand creditele imobiliare sunt neafectate de criza
- Valoarea biletelor la ordin neplatite de banci a explodat in iunie
Legislatie
- Asociația Consilierilor Juridici din Sistemul Financiar - Bancar si-a lansat noul site
- Legea nr. 52/2020 pentru modificarea si completarea Legii nr. 77/2016 privind darea in plata a unor bunuri imobile in vederea stingerii obligatiilor asumate prin credite
- OUG nr. 29/2020 privind masurile Guvernului de sustinere a firmelor afectate de criza coronavirusului COVID-19
- Decizia Curtii Constitutionale nr.731 din 6 noiembrie 2019 referitoare la Legea pentru modificarea şi completarea Legii nr.77/2016 privind darea in plata a unor bunuri imobile in vederea stingerii obligatiilor asumate prin credite
- Legea nr. 129/2019 pentru prevenirea si combaterea spalarii banilor si finantarii terorismului
Lege plafonare dobanzi credite
- BNR propune Parlamentului plafonarea dobanzilor la creditele bancilor intre 1,5 si 4 ori peste DAE medie, in functie de tipul creditului; in cazul IFN-urilor, plafonarea dobanzilor nu se justifica
- Legile privind plafonarea dobanzilor la credite si a datoriilor preluate de firmele de recuperare se discuta in Parlament (actualizat)
- Legea privind plafonarea dobanzilor la credite nu a fost inclusa pe ordinea de zi a comisiilor din Camera Deputatilor
- Senatorul Zamfir, despre plafonarea dobanzilor la credite: numai bou-i consecvent!
- Parlamentul dezbate marti legile de plafonare a dobanzilor la credite si a datoriilor cesionate de banci firmelor de recuperare (actualizat)
Anunturi banci
- Clientii Raiffeisen se plang ca nu functioneaza aplicatia Smart Mobile
- OTPdirekt Internet Banking si Smart Bank nu vor functiona timp de doua zile
- Banca Transilvania, punctaj maxim la evaluarea ARIR pentru comunicarea cu investitorii
- Cum se amana ratele la creditele OTP Bank
- OTP Bank schimba modul de autentificare pentru platile online cu cardul, conform PSD 2
Analize economice
- Puterea de cumparare a salariilor a crescut semnificativ, in pofida pandemiei coronavirusului
- Salariile bugetarilor au fost majorate puternic, desi incasarile statului au scazut
- Deficitul comercial pe 2020: 8,5% din PIB
- Romania a consemnat in pandemie un somaj de 4,9% per total, dar de 19% in randul tinerilor
- Datoria publica a Romaniei a ajuns la 44,4% din PIB
Ministerul Finantelor
- Cat sunt alocatiile pentru copii din 1 ianuarie 2021
- Aplicatia pentru completarea Formularului 094 in format electronic va fi disponibila pe www.anaf.ro, incepand cu data de 20 ianuarie
- Suspendarea ratelor la credite se poate face pe maxim 9 luni, anunta Ministerul Finantelor
- Normele de aplicare ale OUG 227/2020 privind amanarea ratelor la credite, publicate de Ministerul Finantelor
- Ministerul Finantelor a prelungit pana in 31 martie 2021 anularea dobanzilor si penalitatilor de intarziere pentru taxe si impozite
Biroul de Credit
- Legalitatea prelucrarii datelor personale de catre Biroul de Credit
- Care sunt bancile si IFN-urile care-si raporteaza clientii la Biroul de Credit?
- Site-ul Birouldecredit.ro are probleme de functionare
- Intrebari frecvente despre Biroul de Credit
- Lista bancilor si IFN-urilor care-si raporteaza clientii la Biroul de Credit
Procese
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- Vodafone, obligata de judecatori sa despagubeasca un abonat caruia a refuzat sa-i repare un telefon stricat sau sa-i dea banii inapoi (decizia instantei)
- Taxa de reziliere a abonamentului Vodafone inainte de termen este ilegala (decizia definitiva a judecatorilor)
- ANAF trebuie sa plateasca BCR Leasing dobanzi fiscale de 6,7 milioane lei, pentru obligatii suplimentare de plata a TVA anulate de justitie
- Clauzele abuzive din contractele de credit nu au termen de prescriptie, deci pot fi constatate oricand, chiar si dupa plata creditelor, a decis CJUE
Stiri economice
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- Pensia medie a urcat la 1.800 de lei in ianuarie 2021. Puterea de cumparare a crescut cu 12% intr-un an
- Indicele lunar al preturilor, majorat brusc la 1,33%. Explicatia: scumpirea energiei electrice
- Salariul minim brut pe economie in Romania, de 458 euro in ianuarie 2021, peste cele din Ungaria si Bulgaria
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Statistici
- Romania - cea mai mare ieftinire in termeni reali a caselor dintre statele UE, pe 2019
- Marjele de dobanda practicate de banci sunt in scadere (analiza a Bancii Transilvania)
- Cat este salariul minim pe economie in 2020: 1346 lei net si 2.230 lei brut
- Incluziunea financiara a Romaniei, cea mai mica din Europa, scade, in loc sa creasca
- Pretul caselor, in scadere cu 0,7%, conform Eurostat
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Calculator de credite
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Noutati EBA
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- The EBA reactivates its Guidelines on legislative and non-legislative moratoria
- EBA publishes 2018 EU-wide stress test results
- EBA launches 2018 EU-wide transparency exercise
Noutati FGDB
- Depozitele bancare garantate de FGDB au crescut cu 13 miliarde lei
- Depozitele bancare garantate de FGDB reprezinta doua treimi din totalul depozitelor din bancile romanesti
- Peste 80% din depozitele bancare sunt garantate
- Depozitele bancare nu intra in campania electorala
- FGDB explica modul de aplicare a procedurii de recapitalizare interna a unei banci cu depozitele negarantate ale clientilor (bail-in)
First Bank
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- Cetatenii americani din Romania pot incasa cecurile de asistenta financiara pentru COVID-19 doar la First Bank
- First Bank finalizeaza achizitia Bank Leumi Romania
Noutati FMI
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- Negocierea in cadrul CSALB ar putea fi obligatorie inaintea proceselor dintre banci si clienti
- CSALB a reusit sa rezolve 433 de litigii dintre banci si clienti, insa in 51 de cazuri negocierile au esuat: exemple si recomandari
- Centrul unde romanii negociaza cu bancile și IFN-urile implinește 5 ani de la infiintare
- Cate reclamatii primeste Provident de la clienti si cum se solutioneaza
Noutati BERD
- BERD este ingrijorata de investigatia autoritatilor din Republica Moldova la Victoria Bank, subsidiara Bancii Transilvania
- BERD dezvaluie cat a platit pe actiunile Piraeus Bank
- ING Bank si BERD finanteaza parcul logistic CTPark Bucharest
- EBRD hails Moldova banking breakthrough
- Banca Transilvania and EBRD become majority shareholders of Victoriabank in Moldova
Noutati Federal Reserve
- Federal Reserve anunta noi masuri extinse pentru combaterea crizei COVID-19, care produce pagube "imense" in Statele Unite si in lume
- Federal Reserve urca dobanda la 2,25%
- Federal Reserve decided to maintain the target range for the federal funds rate at 1-1/2 to 1-3/4 percent
- Federal Reserve majoreaza dobanda de referinta pentru dolar la 1,5% - 1,75%
- Federal Reserve issues FOMC statement
Mobile banking
- Recomandari de securitate ale BRD pentru utilizatorii de internet/mobile banking
- CEC Bank - Ghid utilizare token sub forma de card bancar
- Cinci banci permit platile cu telefonul mobil prin Google Pay
- Atacuri phishing impotriva clientilor a trei banci, depistate de CERT-RO
- Alpha Bank: precizari despre tentativele de real-time phishing
Noutati BEI
- BEI a redus cu 31% sprijinul acordat Romaniei in 2018
- Romania implements SME Initiative: EUR 580 m for Romanian businesses
- European Investment Bank (EIB) is lending EUR 20 million to Agricover Credit IFN
Noutati Comisia Europeana
- State aid: Commission refers Romania to Court for failure to recover illegal aid worth up to €92 million
- Comisia Europeana publica raportul privind progresele inregistrate de Romania in cadrul mecanismului de cooperare si de verificare (MCV)
- Infringements: Commission refers Greece, Ireland and Romania to the Court of Justice for not implementing anti-money laundering rules
- Council of the European Union statement on Bulgaria path towards ERM II participation
- Romania, pe ultimul loc in Europa la digitalizare
Noutati BVB
- Banca Transilvania plateste un dividend brut pe actiune de 0,17 lei din profitul pe 2018
- Obligatiunile Bancii Transilvania se tranzactioneaza la Bursa de Valori Bucuresti
- Obligatiunile Good Pople SA (FRU21) au debutat pe piata AeRO
- BVB avertizeaza doua firme ca nu si-au respectat obligatiile de raportare
- Raiffeisen Centrobank (RCB) a lansat produse de investitii tip warrant la BVB
Institutul National de Statistica
- Productia industriala a scazut cu 9,2% in 2020
- PIB-ul a scazut cu 3,9% in 2020, din cauza crizei coronavirusului, mult mai putin decat era prognozat
- Comertul in 2020: crestere cu 2,2% a cifrei de afaceri
- Evolutia preturilor locuintelor in perioada 2005-2020, conform statisticilor INS
- Salariul real, in crestere cu 5% in 2020
Informatii utile asigurari
- Regulile privind incheierea asigurarii auto RCA online
- Ce este o polita de asigurare auto obligatorie RCA
- Politica de prelucrare a datelor cu caracter personal Pint.ro Broker de Asigurare SRL
ING Bank
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- Cum se amana ratele la creditele ING, conform OUG 227/2020
- ING a blocat alocatia copilului. Ce trebuie sa fac?
- ING Bank are noi reguli pentru limitele de depunere si retragere numerar cu cardul de la ATM-uri
- Cum se actualizeaza datele personale ale clientilor ING Bank persoane fizice si persoane juridice
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