{"id":67758,"date":"2025-02-24T20:44:41","date_gmt":"2025-02-24T18:44:41","guid":{"rendered":"https:\/\/orheifm.live\/index.php\/2025\/02\/24\/scaderea-semnificativa-a-creditelor-in-ianuarie-expertii-avertizeaza-cu-privire-la-riscurile-unui-criza-grava-video\/"},"modified":"2025-02-24T20:44:41","modified_gmt":"2025-02-24T18:44:41","slug":"scaderea-semnificativa-a-creditelor-in-ianuarie-expertii-avertizeaza-cu-privire-la-riscurile-unui-criza-grava-video","status":"publish","type":"post","link":"https:\/\/orheifm.live\/index.php\/2025\/02\/24\/scaderea-semnificativa-a-creditelor-in-ianuarie-expertii-avertizeaza-cu-privire-la-riscurile-unui-criza-grava-video\/","title":{"rendered":"Sc\u0103derea semnificativ\u0103 a creditelor \u00een ianuarie: Exper\u021bii avertizeaz\u0103 cu privire la riscurile unui criza grav\u0103 |VIDEO"},"content":{"rendered":"<div>\n<p><strong>Conform datelor B\u0103ncii Na\u021bionale, volumul creditelor acordate \u00een luna ianuarie a sc\u0103zut semnificativ, aproape cu 30% fa\u021b\u0103 de luna decembrie, at\u00e2t \u00een lei, c\u00e2t \u0219i \u00een valut\u0103 str\u0103in\u0103. Exper\u021bii afirm\u0103 c\u0103 astfel de sc\u0103deri au fost observate \u0219i \u00eenaintea problemelor economice grave din 2022. Oare istoria se repet\u0103?<\/strong><br \/>\n<iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/1sc6BI6wykk?si=0PBDZGzWcZWeOkXG\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><br \/>\nDe la \u00eenceputul anului, pia\u021ba credit\u0103rii a \u00eenregistrat o sc\u0103dere semnificativ\u0103. Conform datelor B\u0103ncii Na\u021bionale, volumul noilor \u00eemprumuturi acordate \u00een luna ianuarie a sc\u0103zut cu o treime fa\u021b\u0103 de luna decembrie. Agen\u021bii economici au solicitat cu aproape 35% mai pu\u021bine credite \u00een moneda na\u021bional\u0103, iar \u00eemprumuturile \u00een valut\u0103 str\u0103in\u0103 au sc\u0103zut cu aproximativ 33%.<\/p>\n<p>Aceste sc\u0103deri afecteaz\u0103 \u00een mod special afacerile, \u00eentruc\u00e2t cererea de credite \u00een valut\u0103 din partea popula\u021biei aproape c\u0103 a disp\u0103rut. De asemenea, volumul creditelor de consum \u0219i al celor pentru achizi\u021bionarea unei locuin\u021be a sc\u0103zut semnificativ \u00een doar o lun\u0103, cu 7%, respectiv 15%. \u201eEste o sc\u0103dere considerabil\u0103\u201d, a declarat economistul Vladimir Golovatiuc pentru Canal 5.<\/p>\n<p>VLADIMIR GOLOVATIUC, economist<\/p>\n<p>\u2013 Din p\u0103cate, trebuie s\u0103 presupun c\u0103 Moldova se afl\u0103 la \u00eenceputul unor probleme grave. De\u0219i dificult\u0103\u021bile au existat \u00een ultimii ani, ieri \u0219i alalt\u0103ieri, acum se contureaz\u0103 un nou val de provoc\u0103ri.<\/p>\n<p>Acest lucru este str\u00e2ns legat de accelerarea infla\u021biei, care va avea un impact semnificativ asupra economiei \u0219i vie\u021bii de zi cu zi.<\/p>\n<p>\u2013 Ac\u021biunile B\u0103ncii Na\u021bionale sunt conforme cu un model bine stabilit. La fel cum \u00een cazul pandemiei COVID-19 exista o procedur\u0103 clar\u0103, \u00een aceast\u0103 situa\u021bie Banca Na\u021bional\u0103 urmeaz\u0103 o procedur\u0103 similar\u0103, dictat\u0103 de Fondul Monetar Interna\u021bional.<\/p>\n<p>Amintim c\u0103, \u00een primele dou\u0103 luni ale anului curent, Banca Na\u021bional\u0103 a majorat de dou\u0103 ori rata de baz\u0103 aplicat\u0103 principalelor opera\u021biuni pe termen scurt de politic\u0103 monetar\u0103. Dup\u0103 o cre\u0219tere de 2 puncte procentuale pe 10 ianuarie, ajung\u00e2nd la 5,6% pe an, pe 5 februarie Consiliul Executiv al B\u0103ncii Na\u021bionale a decis o nou\u0103 majorare de 0,9 puncte procentuale, duc\u00e2nd rata de baz\u0103 la 6,5% pe an.<\/p>\n<p>VLADIMIR GOLOVATIUC, economist<\/p>\n<p>\u2013 De aici, toate ratele dob\u00e2nzii, inclusiv cele pentru credite \u0219i pentru titluri de stat, cresc. \u0218i acest lucru deja se \u00eent\u00e2mpl\u0103.<\/p>\n<p>\u2013 Uita\u021bi-v\u0103 ce se \u00eent\u00e2mpl\u0103 pe pia\u021ba titlurilor de stat. Acolo cre\u0219te randamentul, iar ce \u00eenseamn\u0103 acest lucru? \u00censeamn\u0103 c\u0103 vor cre\u0219te \u0219i cheltuielile bugetului pentru datoria intern\u0103. Iar cump\u0103r\u0103torii acestor titluri nu sunt afaceri, ci b\u0103nci. Prin urmare, va cre\u0219te profitul b\u0103ncilor, dar nu al economiei.<\/p>\n<p>\u00cen \u021b\u0103rile unde creditarea bancar\u0103 este practic singura surs\u0103 de dezvoltare a \u00eentreprinderilor \u0219i familiilor, m\u0103surile adoptate recent de Banca Na\u021bional\u0103 a Moldovei duc doar la sc\u0103derea activit\u0103\u021bii economice, la reducerea ritmului de cre\u0219tere economic\u0103, la s\u0103r\u0103cirea \u00eentreprinderilor \u0219i familiilor \u0219i stimuleaz\u0103 semnificativ infla\u021bia, deoarece costul creditului reprezint\u0103 o component\u0103 important\u0103 \u00een formarea pre\u021burilor bunurilor \u0219i serviciilor pe pia\u021ba intern\u0103, subliniaz\u0103 exper\u021bii.<\/p>\n<p>De\u0219i Banca Na\u021bional\u0103 explic\u0103 faptul c\u0103 majorarea ratei de baz\u0103 este menit\u0103 s\u0103 \u00eencetineasc\u0103 infla\u021bia provocat\u0103 de cre\u0219terea tarifelor la serviciile publice, exper\u021bii consider\u0103 c\u0103 infla\u021bia va cre\u0219te p\u00e2n\u0103 la 10% \u0219i chiar o va dep\u0103\u0219i \u00een viitorul apropiat. Modific\u0103rile \u00een procesul de creditare pot avea efecte importante asupra economiei Moldovei pe termen scurt.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div><img decoding=\"async\" width=\"696\" height=\"370\" src=\"https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-1024x544-optimized.webp\" class=\"attachment-large size-large wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-1024x544-optimized.webp 1024w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-300x159-optimized.webp 300w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-768x408-optimized.webp 768w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-1536x816-optimized.webp 1536w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-696x370-optimized.webp 696w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-1068x567-optimized.webp 1068w, https:\/\/canal5.md\/wp-content\/uploads\/2025\/02\/i-5-optimized.webp 1920w\">Conform datelor B\u0103ncii Na\u021bionale, volumul creditelor acordate \u00een luna ianuarie a sc\u0103zut semnificativ, aproape cu 30% fa\u021b\u0103 de luna decembrie, at\u00e2t \u00een lei, c\u00e2t \u0219i \u00een valut\u0103 str\u0103in\u0103. Exper\u021bii afirm\u0103 c\u0103 astfel de sc\u0103deri au fost observate \u0219i \u00eenaintea problemelor economice grave din 2022. Oare istoria se repet\u0103? De la \u00eenceputul anului, pia\u021ba credit\u0103rii a [\u2026]<\/div>\n","protected":false},"author":1,"featured_media":67759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[30],"tags":[],"class_list":["post-67758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social_ro"],"_links":{"self":[{"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/posts\/67758","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/comments?post=67758"}],"version-history":[{"count":0,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/posts\/67758\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/media\/67759"}],"wp:attachment":[{"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/media?parent=67758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/categories?post=67758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/orheifm.live\/index.php\/wp-json\/wp\/v2\/tags?post=67758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}