{"id":11073,"date":"2022-08-16T14:57:47","date_gmt":"2022-08-16T12:57:47","guid":{"rendered":"https:\/\/dev.editura.ase.ro\/editura-ase\/?post_type=product&#038;p=11073"},"modified":"2022-10-06T11:35:50","modified_gmt":"2022-10-06T09:35:50","slug":"optimizarea-utilizarii-ratei-dobanzii-ca-indicator-de-politica-monetara","status":"publish","type":"product","link":"https:\/\/dev.editura.ase.ro\/editura-ase\/product\/optimizarea-utilizarii-ratei-dobanzii-ca-indicator-de-politica-monetara\/","title":{"rendered":"Optimizarea utiliz\u0103rii ratei dob\u00e2nzii ca indicator de politic\u0103 monetar\u0103"},"content":{"rendered":"<p>Rata dob\u00e2nzii este o variabil\u0103 macroeconomic\u0103 prociclic\u0103 de o \u00eensemn\u0103tate major\u0103, \u00een condi\u0163iile \u00een care nivelul \u015fi dinamica acesteia genereaz\u0103 efecte multiple asupra unor componente principale ale economiei, printre care: creditarea, economisirea, investi\u0163ia, consumul privat \u015fi guvernamental, produsul intern brut, cursul de schimb, exportul \u015fi importul de bunuri \u015fi servicii, infla\u0163ia etc.<\/p>\n<p>Evolu\u0163iile ratelor dob\u00e2nzilor interbancare \u015fi a celor stabilite de b\u0103nci au impact asupra economisirii \u015fi credit\u0103rii. La r\u00e2ndul lor, acestea din urm\u0103 influen\u0163eaz\u0103 produc\u0163ia, consumul, investi\u0163ia sau, cu alte cuvinte, nivelul de dezvoltare economic\u0103 al unei \u0163\u0103ri.<\/p>\n<p>Consider\u0103m c\u0103 substituirea monetar\u0103 c\u00e2t mai ridicat\u0103 dintre leu \u015fi euro este necesar\u0103 pentru \u00eendeplinirea celor trei criterii de convergen\u0163\u0103 monetar\u0103 ale Tratatului de la Maastricht: criteriile infla\u0163iei, ratei dob\u00e2nzii, cursului de schimb.<\/p>\n<p>\u00cen opinia noastr\u0103, integrarea Rom\u00e2niei \u00een Zona euro va genera urm\u0103toarele efecte \u00een Rom\u00e2nia: pierderea politicii independente a ratei dob\u00e2nzii a BNR \u015fi a leului; eliminarea costurilor legate de tranzac\u0163iile aferente cursului de schimb leu\/euro \u015fi a riscului de curs de schimb dintre Rom\u00e2nia \u015fi Zona euro; declinul ratelor dob\u00e2nzilor din Rom\u00e2nia; cre\u015fterea investi\u0163iilor ca urmare a costului redus al capitalului; \u00eembun\u0103t\u0103\u0163irea credibilit\u0103\u0163ii politicii macroeconomice \u015fi, \u00een consecin\u0163\u0103, sc\u0103derea riscului de \u0163ar\u0103; integrarea pie\u0163ei financiare rom\u00e2ne\u015fti \u00een cea european\u0103; cre\u015fterea transparen\u0163ei pre\u0163urilor relative \u015fi a competi\u0163iei pe pia\u0163a bunurilor \u015fi serviciilor.<\/p>\n<p>Consider\u0103m c\u0103, prin structurarea \u015fi analiza realizate, prin urm\u0103rirea ob\u0163inerii unor rezultate c\u00e2t mai obiective pe baza unor analize c\u00e2t mai am\u0103nun\u0163ite a aspectelor abordate, prin utilizarea tehnicilor econometrice \u015fi de analiz\u0103 a datelor statistice \u015fi prin \u00eembinarea rezultatelor econometrice cu judecat\u0103 economic\u0103, aceast\u0103 carte constituie \u00een cercetarea economic\u0103 un punct solid de plecare \u015fi\/sau de aprofundare a analizei ratei dob\u00e2nzii ca indicator de politic\u0103 monetar\u0103.<\/p>\n<p>&nbsp;<\/p>\n<div class=\"_df_book df-lite\" id=\"df_11072\"  _slug=\"optimizarea-utilizarii-ratei-dobanzii-ca-indicator-de-politica-monetara\" data-title=\"optimizarea-utilizarii-ratei-dobanzii-ca-indicator-de-politica-monetara\" wpoptions=\"true\" thumbtype=\"\" ><\/div><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.option_df_11072 = {\"outline\":[],\"autoEnableOutline\":\"false\",\"autoEnableThumbnail\":\"false\",\"overwritePDFOutline\":\"false\",\"direction\":\"1\",\"pageSize\":\"0\",\"soundEnable\":\"false\",\"source\":\"https:\\\/\\\/dev.editura.ase.ro\\\/editura-ase\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/Optimizarea-utilizarii-ratei-dobanzii-ca-indicator-de-politica-monetara.pdf\",\"wpOptions\":\"true\"}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Prin structurarea \u015fi analiza realizate, prin urm\u0103rirea ob\u0163inerii unor rezultate c\u00e2t mai obiective pe baza unor analize c\u00e2t mai am\u0103nun\u0163ite a aspectelor abordate, prin utilizarea tehnicilor econometrice \u015fi de analiz\u0103 a datelor statistice \u015fi prin \u00eembinarea rezultatelor econometrice cu judecat\u0103 economic\u0103, aceast\u0103 carte constituie \u00een cercetarea economic\u0103 un punct solid de plecare \u015fi\/sau de aprofundare a analizei ratei dob\u00e2nzii ca indicator de politic\u0103 monetar\u0103.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","meta":[],"product_brand":[],"product_cat":[302],"product_tag":[],"class_list":["post-11073","product","type-product","status-publish","product_cat-moneda-si-banci","pa_anul-aparitiei-1154","pa_book-author-gabriel-bistriceanu","first","instock","shipping-taxable","purchasable","product-type-variable"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.6 - 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