Finante-Banci
Se redeschide robinetul? Bancile din zona euro au imbunatatit conditiile pentru creditele de consum
Bancile din zona euro au imbunatatit, in trimestrul al doilea din 2013, pentru prima data din 2007, conditiile pentru acordarea creditelor de consum, insa au inasprit standardele de creditare pentru companii si cele privind ipotecile, desi nu se asteapta la revenirea cererii in urmatoarele luni, conform Bancii Centrale Europene (BCE).
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BCE mentioneaza ca 7% din bancile care au luat parte la o analiza a sa (derulata in perioada 19 iunie – 4 iulie, pe 132 de entitati) si-au inasprit criteriile de creditare a companiilor, procentul fiind similar cu cel inregistrat in trimestrul intai. „Riscurile cu care se confrunta debitorii si incertitudinile macroeconomice au fost, in trimestrul al doilea, principalii factori care au afectat politicile de creditare”, noteaza BCE in raportul sau trimestrial.
BCE arata ca mai putine banci se asteapta la o inasprire a reglementarilor privind creditarea in perioada iulie – septembrie, desi conditiile de finantare pentru aceste institutii s-au imbunatatit in ultimele luni, informeaza Bursa.ro.
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