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  • Floringeorgescu1054209001Prim-viceguvernatorul BNR, Florin Georgescu, i-a trimis președintelui Comisiei pentru Buget, Finanțe și Bănci din Camera Deputaților o scrisoare cu mai multe nemulțumiri ale Băncii Naționale referitoare la proiectul de lege privind conversia creditelor în alte monede decât cele în care au fost acordate.

    Dincolo de lucrurile cu miză mare pentru liniștea bancherilor autohtoni, cum ar fi dobânda sau cursul la care ar urma să se facă conversia, există și o nemulțumire cel puțin bizară inserată în document. Mai exact, Banca Națională nu este de acord cu obligarea băncilor de a furniza consumatorilor, gratuit, simulări ale graficului de rambursare în moneda creditului și în moneda națională, în cazul în care conversia se face în altă valută decât leul.

    Potrivit lui Florin Georgescu, ”introducerea obligației de a efectua aceste simulări generează în fapt costuri suplimentare pentru creditor care (considerând condiția propusă de furnizare a simulării fără costuri și fără comisioane suplimentare pentru debitor) se vor reflecta, în cele din urmă, în costul creditelor noi”.

    Prim-viceguvernatorul BNR nu precizează care ar putea fi acele costuri, în condițiile în care simularea este realizată în mod automat. Ne pot veni în minte costuri precum cele 3-5 coli de hârtie folosite pentru imprimarea fiecărui grafic de rambursare, tonerul sau cartușul de imprimantă folosit, curentul electric, amortizarea calculatorului și sediului unității bancare sau cele 10 secunde pe care angajatul băncii trebuie să le petreacă întinzând mâna după graficele de rambursare și apoi înmânându-le clientului, și pentru care banca plătește salarii, impozite și contribuții sociale. În total, ar putea scoate 10-20 de bani din vistieria băncii.

    Acest articol este proprietatea Pagina de Bănci și este protejat de legea drepturilor de autor. Orice preluare a conținutului se poate face doar în limita a 500 de semne, cu citarea sursei și cu link către pagina acestui articol.

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