Finante-Banci
Isarescu: Bancile au creditat suficient populatia, e timpul sa mai imprumute si IMM-urile
Creditele acordate populatiei nu mai pot avansa in ritm foarte rapid, ci ar putea creste in anii viitori cu doar cateva procente, asa incat bancile ar trebui sa se indrepte cu credite mai degraba catre companii, in special IMM-uri, a spus miercuri Mugur Isarescu, guvernatorul bancii centrale, in cadrul unei conferinte organizate la BNR.
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„O banca comerciala care se bazeaza prea mult pe creditele acordate persoanelor fizice este prizoniera si va da cu capul de o realitate dura. Cine a avut sa se indatoreze (dintre persoanele fizice – n.r.) s-a indatorat”, a spus Isarescu.
Acesta a mai atras atentia ca in conditiile restrangerii creditarii retail, bancile isi vor putea mentine cu greu retelele deoarece costul de pastrare a acestora va fi prea mare si nu va putea fi acoperit.
Pe de alta parte, a mentionat guvernatorul, daca vor finanta IMM-urile, atunci Romania nu va mai creste prin consum.
„Nu cred ca ne va mai credita cineva, daca Romania va creste prin consum. Consumul va creste doar la cei care produc, prin cresteri de productivitate si de salarii”, a mai spus Isarescu.
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