Finante-Banci
Credite de export cu dobanzi fixe pe termen mediu si lung, intermediate de EximBank
Banca de export-import de stat EximBank faciliteaza exportatorilor posibilitatea de a contracta de la bancile comerciale credite pe termen mediu si lung cu dobanda fixa, a anuntat miercuri banca.
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Astfel, banca comerciala partenera cu EximBank acorda exportatorului un credit de export pe termen mediu sau lung (cu perioada de rambursare mai mare de 2 ani) la o rata de dobanda fixa.
Avand in vedere ca banca comerciala se refinanteaza de pe piata interbancara la o rata a dobanzii variabila, care poate sa fie mai mare sau mai mica decat dobanda la care a acordat creditul, este de presupus ca institutia financiara poate suferi o pierdere sau un castig din diferenta de dobanda.
In cazul inregistrarii unei pierderi, EximBank va plati bancii comerciale diferenta dintre dobanda creditului si dobanda pietei. In cazul inregistrarii unui castig, banca comerciala va plati EximBank aceasta diferenta.
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