Radio România Internațional

Tag: ROBOR

  • Rumäniens Landesbank beschließt Eingriff auf dem Interbankenmarkt

    Rumäniens Landesbank beschließt Eingriff auf dem Interbankenmarkt

    Rumäniens Nationalbank hat eine Intervention auf den Finanzmärkten beschlossen, um den schnellen Anstieg des ROBOR-Index zu stoppen. Der Interbanken-Index beeinflusst die monatlichen Zinsen rumänischer Kreditnehmer mit Darlehen in der Landeswährung. Die ROBOR-Kennzahl ist eigentlich der durchschnittliche Zinssatz des Kreditgeschäfts zwischen den Handelsbanken. Alle drei Monate werden die Zinssätze der meisten Kredite in Lei der ROBOR-Entwicklung entsprechend angepasst.


    Die Zentralbank hat jetzt beschlossen, den Handelsbanken Kredite in Höhe von insgesamt 2 Milliarden Euro zu einem Zinssatz von 1,75% zu gewähren. Von dieser Rekordsumme für die letzten Jahre erhofft sich die Landesbank eine Verringerung der Zins-Kennzahl. Der ROBOR-Index war zuletzt bis auf ein Dreijahres-Hoch von 1,8% geklettert. Einer der Gründe für die Entwicklung sei der längerfristige Mangel an Liquiditäten am Markt gewesen, erklärte Notenbankchef Mugur Isărescu:




    Wir haben diese Finanzspritze in die Wege geleitet, da aus unseren seit Donnerstag erfassten Daten hervorgeht, dass im Vergleich zu den Vormonaten der Liquiditätsmangel sich in die Länge zieht. In der Regel dauerte er nur bis zum fünften Tag des neuen Monats, wenn die Unternehmen mit der Auszahlung der Gehälter beginnen.




    Die Intervention der Landesbank bedeute allerdings nicht, dass der Interbankenzins auf das Rekordtief von vor einigen Monaten zurückfallen werde, sagte der Notenbank-Gouverneur noch. Notenbank-Sprecher Dan Suciu erklärte zudem, dass die BNR zwar schon mit einer Zunahme des ROBOR-Index gerechnet habe, allerdings nicht mit einer deratig abrupten Entwicklung.




    Der ROBOR ist ein Bestandteil der monatlichen Raten, die die Bevölkerung zahlt. Er ist aber nicht mit der gesamten Rate gleichzusetzen. Jetzt ist er um 0,5 Prozentpunkte gestiegen, so ist es nun mal. Ich glaube, dass jeder das nachrechnen kann. Im letzten Monat oder verglichen mit dem Vorjahreswert ist er um 0,8 Prozentpunkte höher. Das ist eine beachtliche Summe, denn das wird einige Dutzend Lei mehr bedeuten, oder gar 100. Aber die große Gefahr ist nicht hier zu suchen. Es wird einen Inflationsdruck geben, eigentlich ist er bereits jetzt zu spüren.




    Sowohl die Beamten der rumänischen Notenbak BNR wie auch der Finanzminister Ionuţ Mişa erklärten das mangelnde Guthaben bei Kreditinstitutionen dadurch, dass der Staat die Einnahme von Steuern und Gebühren verbessert habe. Der Beschluss der Zentralbank, den Zeitraum, in dem die Zinsen schwanken können, zu reduzieren, soll ebenfalls den Markt beruhigen. Der BNR-Vorstand beschloss, die Leitzins bei 1,75% im Jahr zu behalten, die Zins, zu der die Banken, die in Liquiditätnot sind, Geld ausleihen, um 0,25 Punkte zu reduzieren. Außerdem beschloss der Aufsichtsrat, die die Zins auf Einlagen um die gleiche Marge zu erhöhen. Die vom Vorstand getroffenen Maßnahmen zielen darauf ab, die Preise mittelfristig stabil zu erhalten, so dass langfristig die Wirtschaft angekurbelt wird, erklärte der Guverneur der Rumänischen Notenbank, Mugur Isarescu.

  • New measures on the banking market

    New measures on the banking market

    The National Bank of Romania stepped in to prevent the rapid growth of the ROBOR index. ROBOR is the interbank rate that influences directly the interest rates of Romanians who took out loans in the domestic currency, the LEU. Actually ROBOR is the average interbank lending interest rate, which is used to determine interest rates for most loans in lei.



    The Central Bank expects ROBOR to start going down after having lent commercial banks 2 billion euros, a record amount for the past years, for an interest rate of 1.75%. The Central Bank’s decision comes after ROBOR went up fast to the level of 1.8%, its highest level in the past three years.



    One of the reasons for this has been the lack of liquidities on the market for a longer period, Central Bank Governor, Mugur Isarescu has explained: “We have made this injection of liquidity because the data that we have been collecting as of last Thursday show that unlike in the previous months, when the liquidity deficit was only present in the fist five days of the month, this deficit seems to be felt for a longer period now. “



    The Central Bank’s liquidity inflow does not mean that the interbanking interest rate will return to its minimum level reached a few months ago, Isarescu has also said. The institution’s spokesman, Dan Suciu, has explained that the Central Bank was expecting ROBOR to increase, but not at such a fast pace.



    Dan Suciu: “ROBOR is only a component of people’s interest rate, it’s not the entire interest rate. It went up by 0.5%. This is a fact. I believe anyone is able to make these calculations. In the last month or in comparison with its level one year ago, it went up by 0.8%. It is a significant amount, because it is by several tens of lei or even by 100 lei bigger, but this is not the real threat. We will also have inflation-related pressure, which can already be felt.”



    Central Bank officials and Finance Minister Ionut Misa have also explained the Commercial Banks’ lack of liquidity through the state’s improved performance in tax collection. Another decision of the Central Bank aimed at calming down the market has been to reduce the interval in which interbanking interest rates can vary.



    The Central Bank’s Board decided to keep the key interest rate unchanged at 1.75% per year, to lower the lending facility interest for banks in need of liquidity by 0.25% and to raise its interest for deposits by the same margin. Mugur Isarescu has also said that the measures taken by the Board are aimed at maintaining price stability on medium term, in a manner likely to contribute to achieving sustainable economic growth.

  • 04.10.2017

    04.10.2017

    Protestations – Une des plus grandes confédérations syndicales de Roumanie, Cartel Alfa, organise une nouvelle manifestation ce mercredi, devant le siège du Gouvernement. Ses principales revendications : l’abandon du transfert des taxes sociales depuis l’employeur à l’employé et la reprise des négociations, ainsi que la signature de conventions collectives à tous les niveaux. Les syndicalistes contestent également la Lois des salaires dans le système public et la Loi du dialogue social. Selon Cartel Alfa, environ 10.000 personnes devraient participer aux manifestations de Bucarest. La semaine dernière d’autres actions de protestations ont eu lieu dans plusieurs villes roumaines.

    Motion – Le Parlement de Bucarest doit débattre et voter aujourd’hui la motion simple déposée par la principale formation politique de l’opposition, le Parti National Libéral, contre le ministre des Transports, Razvan Cuc. Dans le document intitulé « L’infrastructure de transport de la Roumanie sous la domination du Parti Social Démocrate. Désillusion, démagogie et découragement », les signataires accusent le ministre d’une gestion défectueuse, non – professionnelle et extrêmement politisée de son ministère. Ils lui reprochent notamment d’avoir bloqué de grands projets d’infrastructure dont les dates limite ont été dépassées depuis longtemps déjà.

    Banques – La Banque Nationale de Roumanie est intervenue sur le marché interbancaire pour prêter aux banques commerciales plus de 9 milliards de lei (soit environ 2 milliards d’euros) pour un intérêt de 1,75%. Cette action intervient dans le contexte où, mardi le taux de l’indicateur ROBOR de 3 mois (Romanian Interbank Offer Rate, soit le taux moyen d’intérêt pour les crédits en lei sur le marché interbancaire, un taux établi par la Banque Centrale) a augmenté pour le 15e jour consécutif, jusqu’à 1,8%, soit son niveau le plus élevé depuis novembre 2014.

    Allemagne – L’unification de l’Allemagne, le 3 octobre 1990 a ouvert symboliquement la voie vers l’unification de toute l’Europe, a déclaré mercredi le président roumain Klaus Iohannis lors d’un dîner offert par l’ambassade allemande à Bucarest. Lui-même membre de la communauté allemande de Roumanie, le président a souligné que la relation bilatérale était solide, de nature stratégique et fondée sur des réalisations visibles et sur le désir de construire ensemble un meilleur avenir européen. En même temps, en tant que pays francophone ayant aussi un consistant patrimoine culturel allemand, la Roumanie se tenir près du moteur franco-allemand de l’UE, a encore affirmé le chef de l’Etat Roumain.

    Tennis – La joueuse de tennis roumaine Simona Halep, n° 2 WTA, a obtenu mercredi une victoire importante contre la fameuse Maria Sharapova de Russie, score 6-2, 6-2, dans les 8e de finale du tournoi de Pékin. C’est le premier succès de Simona Halep sur les 8 matchs joués avec Sharapova. Cette victoire lui donnera une nouvelle chance de devenir numéro 1 mondiale, prenant la place de Garbine Muguruza d’Espagne qui a abandonné la compétition au premier tour. Ce mercredi encore, la Roumaine Monica Niculescu, n° 65 WTA, a été vaincue par Shuai Peng de Chine (25e mondiale) dans les 16e de finale du tournoi de Pékin. Enfin, une autre Roumaine évolue dans la même compétition: Sorana Cârstea, 44e mondiale. Elle affrontera jeudi, dans les 8e de finale, la tchèque Karolina Pliskova.

    Météo – Le ciel sera plutôt couvert aujourd’hui
    en Roumanie et l’on attend de la pluie surtout sur le centre et le nord-est.
    Les températures maximales iront de 14 à 24 degrés. 17 degrés et un ciel
    indécis à midi à Bucarest.

  • September 30, 2017

    September 30, 2017

    REFERENDUM – Tens of thousands of Catalan separatists have taken part in a final rally ahead of Sundays planned referendum on independence from Spain. Catalonias pro-independence government is planning to hold the referendum despite Spain deeming it illegal. Masses of referendum materials have been confiscated by police in recent weeks and officials involved in running the campaign face prosecution. Police across Catalonia have been ordered to prevent public buildings being used as polling stations on Sunday. However, the Catalan government said on Friday it planned to open more than 2,000 polling stations. Catalonia, a wealthy region of 7.5 million people in north-eastern Spain has its own language and culture, and a high degree of autonomy, but is not recognised as a separate nation under the Spanish constitution.





    SUMMIT — The European Council President Donald Tusk will hold consultations over the next two weeks with all member states on initiatives to reform the European Union after Brexit. The announcement was made after the summit in Tallinn, Estonia, where the heads of state and government voiced disappointment with the slow pace of the Brexit negotiations. Talks were held on the sidelines of the Digital Summit focusing on digital economy and society, attended by EU heads of state and government. Leaders discussed the Commissions recent proposals for strengthening the EU’s cybersecurity and setting out measures towards a fair taxation of the digital economy. The latest cyber attacks on Europe have triggered economic problems, which have in turn led to significant financial losses, Romanian President Klaus Iohannis said during his speech at the informal European Council digital summit. The president said that, without a common and fast intervention at European level, cyber attacks might severely affect the Unions economy and security.





    VISIT – The US Secretary of State Rex Tillerson will travel to Beijing over September 28 — October 1 to meet with senior Chinese leaders. Tillerson will discuss a range of issues, including President Trumps planned travel to the region, the denuclearization of the Korean Peninsula, and trade and investment. Secretary Tillerson’s visit to China reaffirms the US Administration’s commitment to further broaden and enhance economic and security interests in the Asia-Pacific region. Over the past few months the Trump administration has publicly accused China, Pyongyang’s main ally, of not putting enough pressure on its North-Korean neighbour to give up its nuclear ambitions. On Thursday, the Chinese minister of trade announced that China ordered North Korean companies in the country to shut down by January as it applies UN sanctions imposed following Pyongyangs sixth nuclear test. The announcement came days after China confirmed that it would apply another major part of the sanctions – a limit on exports of refined petroleum products to North Korea starting October 1 and a ban on textiles from its neighbour.





    INVICTUS GAMES — Romania, having taken part for first time in the Invictus Games in Toronto, Canada, scooped a number of medals and prizes. Thus, two Romanians, major Laurentiu Serban and lieutenant Ciprian Iriciuc won bronze in the indoor rowing competition, while the team made up of Ionut Butoi, Dorin Petru and Nicusor Pegulescu won gold in the archery final. Ionut Butoi also won silver in the individual archery final. The Invictus Games is the only sporting event for wounded, injured and sick servicemen and women. Invictus Team Romania is made up of 15 soldiers wounded in theatres of operations in Afghanistan and Iraq.





    ROBOR – The Romanian Interbank Offer Rate, on the basis of which interests for loans in the Romanian currency are calculated, has reached the level of 1.58%. According to the National Bank of Romania, this is the highest level registered since January 2015. This rate, known as ROBOR, started to grow rapidly in mid September, which, specialists say, will in turn trigger a growth in interest rates. In another development, the Central Bank has announced that the net foreign direct investment flow last year exceeded 4.5 billion Euros, and the final balance on December 31st 2016 stood at 70.1 billion. (Translated by Elena Enache)





  • Credite mai ieftine după reducerea indicelui ROBOR

    Credite mai ieftine după reducerea indicelui ROBOR

    Indicele de dobândă Robor cu scadenţă la trei luni îşi continuă traiectoria descendentă din 2015, la începutul acestei săptămâni valoarea acestuia fiind stabilită la un minim istoric de 0,79% – aproape jumătate din valoarea de acum un an. Evoluţia sa este importantă pentru cei care au credite contractate în moneda naţională, deoarece dobânda acestor împrumuturi se calculează ca sumă între Robor şi o marjă fixă a băncii.



    La fel de importantă este şi pentru cei care intenţionează să acceseze un credit. Adrian Vasilescu, consilier de strategie la Banca Naţională a României, aminteşte că impactul pozitiv asupra costurilor la creditele în lei a fost vizibil pe tot parcursul anului trecut, însă atrage atenţia asupra pericolului descurajării economisirii: Aici este o problemă sensibilă şi importantă. Creditele, în timp ce se ieftinesc, să nu determine o ieftinire prea puternică a dobânzii la depozite. Cred că băncile vor avea tăria să nu coboare prea mult dobânzile la depozite şi să descurajeze astfel economisirea.”



    Cei care au în vedere achiziţionarea unei locuinţe prin credit sunt probabil cei mai atenţi la evoluţiile de pe piaţa bancară, cu atât mai mult cu cât programul prima casă”, prin care statul sprijină cumpărarea primei locuinţe, este în pericol în urma unei alte iniţiative legislative. Gândită ca un ajutor pentru românii care nu-şi mai pot achita ratele la casă, legea dării în plată” presupune că un debitor poate preda în orice moment cheile locuinţei către bancă fără ca ulterior creditorul să îl mai poată urmări până la stingerea datoriei. Aplicarea legii dării în plată” ar putea duce la condiţii mai restrictive de acordare a creditelor, spun, însă, reprezentanţii băncilor.



    Directorul de comunicare al Consiliului Patronatului Bancar, Bogdan Preda, explică: Noi am spus că acest proiect de lege trebuie să-i aibă în vedere pe cei care nu mai pot cu adevărat să-şi mai plătească creditele, nu pe cei care nu mai vor. Dacă vom constata că după ce s-a aprobat o asemenea lege, cum este ea amendată acum, cei care vor da în plată vor fi, de fapt, persoane cu mult mai multe imobile, cărora nu le mai convine de fapt, nu că nu mai pot plăti investiţia pe care au făcut-o la un moment dat şi pentru că persoanele acestea fizice cu un apartament vor fi ultimele care vor da aceste apartamente în plată.”



    Dacă va fi adoptată, legea dării în plată” — ajunsă în Senat, după ce preşedintele Klaus Iohannis a retrimis proiectul în parlament, în decembrie, anul trecut – se va aplica persoanelor fizice aflate în imposibilitatea de a-şi mai plăti ratele, fără ca în această categorie să intre dezvoltatorii de afaceri imobiliare.