120 likes | 224 Views
Scurta istorie a IFN-urilor in Romania Brief History of NBFIs in Romania 21/11/2013 ALB IXth Edition of Annual Conference. Issued by Diplomat Consult. Calendar de reglementare Regulation Calendar.
E N D
Scurta istorie a IFN-urilor in Romania Brief History of NBFIs in Romania 21/11/2013 ALB IXth Edition of Annual Conference Issued by Diplomat Consult
Calendar de reglementareRegulation Calendar 2006 February - OG 28 offers 6 month of transition towards new authorization rules ( minimum share capital, organizational chart, credit activity as unique object of main activity) 2006 August – NBFIs REGISTERS (Special, General, Evidence, Radiated) 2009, Law 93 – NBFI = ONE STOP SHOP ( multi-credit activity) Issued by Diplomat Consult
Dinamica registrelor IFN Dynamics of the NBIFs Registers 30.06.2007 – 30.06.2013 Issued by Diplomat Consult
Registrul General dupa codul CAEN General register by CAEN code Issued by Diplomat Consult
Registrul Special dupa codul CAEN Special Register by CAEN Code Issued by Diplomat Consult
Registrul General dupa produs Special register by product Issued by Diplomat Consult
Registrul Special dupa produs Special register by product Issued by Diplomat Consult
Numar clienti Number of Clients -37% 78% Issued by Diplomat Consult
Evolutie credit neperformant NPL Evolution Issued by Diplomat Consult
ConclusionsConcluzii 2006 – 2013 = 7 years of NBR regulation, 5 of them being under crises! Time has proven that the more regulated business was the more protected one during the financial crises; The 5 years of crises show: Need to concentrate on protecting the future Need to stop the present political and fiscal decisions that induce disruptions in business environment for the sake of “anti crises solutions” Need for unity of players Implementation of best practices as a benchmark for one single supervision standard!
ConclusionConcluzie Capital for finance is like soil for food. Both industries are passing through the same disease: confidence crises. Each provides a base from which production growths. Each depends on confidence and morality. The quantity and quality must be sufficient to deal with natural (economic and weather) cycles. In disaster scenario it can be supplemented for a period from external sources (governments in finance and synthetic fertilizers in food)! Ultimately it must be a self-sustaining and a self regulated system.
ConclusionConcluzie Confidence is the ingredient that can play the role of mediator today and of a sustainable system’s integrator tomorrow. LET US BELIEVE AND BRING THE CONFIDENCE BACK !!!