1 / 12

Asociatia Societatilor Financiare din Romania/ Romanian Association of Financial Companies

Asociatia Societatilor Financiare din Romania/ Romanian Association of Financial Companies. Piaţa românească de leasing şi credit de consum/ Romanian Leasing and Consumer Credit Market. Jean – Claude Boloux, Presedinte ALB – Romania

reece
Download Presentation

Asociatia Societatilor Financiare din Romania/ Romanian Association of Financial Companies

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Asociatia Societatilor Financiare din Romania/ Romanian Association of Financial Companies Piaţa românească de leasing şi credit de consum/ Romanian Leasing and Consumer Credit Market Jean – Claude Boloux, Presedinte ALB – Romania President of ALB – Romania October 23, 2008

  2. Ponderea leasingului financiar si a creditului de consum in total credite acordate/Weight of the financial leasing and consumer credit in the total granted credits Sursa/Source: BNR

  3. Gradul de penetrare a IFN, dinamica leasingului si a creditului neguvernamental / Weight & Dynamics of the leasing and of the Non - Governmental Credit Sursa/Source: BNR

  4. Dinamica pietei de leasing/Romanian Leasing Market in Dynamics

  5. Sursa/Source: BNR - ALB Sursa/Source: INSSE - ALB

  6. Sursa/Source: INSSE - ALB

  7. Total bunuri finantate in functie de tipul finantatorilor/Total Asset Value by Type of Lessors2.943.533 (000) Euro

  8. Cadrul legislativ intre bun si mai putin bunLegislative framework between good and less good

  9. Cadrul legislativ intre bune si mai putin bune/Legislative framework between good and less good • Weaknesses: • No penal restrictions for illegal • practice • No access to data bases for risk • management (CRB, CIP, Credit Bureau) • Two Registers imposing different • rules having as main criteria the volume • of business: • Different capital adequacycriteria in the Special Register. • Different internal organizational • rules in the Special Register • Consequences: • Increase of financial fraud • Consumer Credit – increase of default • Unfair competition: • a. 2 Registers = double standards • b.European Passport = 3rd standard

  10. Actions to be taken: • New text of NBFI Law, bringing: • unique standards • strong supervision from NBR • antifraud penalties • penalties to illegal actors • access to CRB, CIP, Credit Bureau • ALB – IGPR co-operation • Strict measures to be taken by ALB members

  11. Conclusions • Good dialogue with the NBR • Good dialogue with the ARB • Activity of NBFI to be • Properly structured • Properly supervised • To contribute to the development of the Romanian economy

  12. Thank you for your kind attention! Jean-Claude Boloux ALB President Romanian Association of Financial Companies - ALB

More Related