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EMBED PI3.Image  Rolul b`ncilor [n realizarea rela\iilor de credit Banca este definit` ca fiind o entitate economic` de stat sau particular` ale c`rei func\iuni principale sunt: atragerea mijloacelor b`ne]ti temporar disponibile ale clien\ilor [n conturile deschise acestora; acordarea de credite pe diferite termene; efectuarea de viramente [ntre conturile clien\ilor ]i de transferuri [n conturile deschise la alte b`nci; emiterea de instrumente de credit ]i efectuarea de tranzi\ii cu asemenea instrumente; v@nzarea-cump`rarea de valut` ]i alte opera\iuni valutare. {n sistemul de common law o institu\ie e considerat` ca fiind o banc` dac` activitatea sa [ndepline]te trei caracteristici esen\iale: [ncasarea cecurilor pentru clien\i; plata cecurilor trase de c`tre clien\ii s`i; \inerea de conturi curente pentru clien\ii s`i. {n legisla\ia bancar`, literatura de specialitate ]i practica bancar` se utilizeaz` frecvent no\iunea de aparat bancar ]i sistem bancar. Prin aparat(re\ea) bancar(`) se [n\elege ansamblu coerent al diferitelor categorii de b`nci care func\ioneaz` [ntr-o \ar` r`spunz@nd cerin\elor unui anumit mod de produc\ie ]i unei anumite etape de dezvoltare social-economic`. {n general, aparatul bancar este organizat pe dou` nivele. {n centrul aparatului bancar ]i la primul nivel se afl` banca central`(Na\ional`) care exercit` ]i coordoneaz` politica monetar`, valutar` ]i de credit al statului, uneori emi\@nd ]i reglement`ri legale [n aceste domenii. Al doilea nivel [l constituie cel`lalte banci cum sunt cele comerciale, de afaceri, institu\ii de credit specializate(banci agricole, me]te]ug`re]ti, miniere, etc.) sau institu\ii specializate pe unele opera\ii apecifice (banci financiare sau ipotecare). Dac` banca central` este, [n general, de stat sau cu capital de stat, celelalte banci cu capital particular, de stat sau mixt, sunt organizate sub forma unor societ`\i pe ac\iuni. No\iunea de activitate bancar` define]te opera\iile ]i tranzac\iile active ]i pasive efectuate [n aparatul bancar. Astfel, banca central` exercit` opera\iuni privind emisiunea monetar`, concentrare rezervelor b`ne]ti ale bancilor comercile ]i acordarea de credite acestor b`nci, influen\area volumului ]i costului creditului, acordarea de [mprumuturi statului ]i p`strarea tezaurului public. {n acela]i timp, celelalte b`nci efectueaz` mai ales opera\ii de atragere a mijloacelor b`ne]ti temporar disponibile [n conturi ale clien\ilor-persoane fizice sau juridice-de acordarea de credite pe termene diferite, de efectuare de viramente intre conturile clien\ilor ]i de transferuri de conturi deschise la alte b`nci, de emitere de instrumente de credite ]i de efectuare de tranzac\ii cu acestea, v@nzarea ]i cump`rarea de valori ]i alte opera\iuni valutare. Opera\iunile pasive : societ`\ile bancare pot efectua opera\iuni de depozite la vedere ]i la termen [n cont, cu numerar ]i cu titluri const@nd [n atragerea resurselor b`n`]ti de la perosane juridice ]i fizice, [n vederea p`str`rii ]i fructific`rii lor. Atragerea acestor resurse b`ne]ti au ca scop constituirea disponobilit`\ilor necesare pentru a efectua opera\iuni active, de acordare de credite. Sursa creditului ca opera\iune activ` o constituie deci depozitele, acestea fiind rezultatul opera\iunilor pasive.Deosebirea esen\ial` [ntre [mprumutul civil ]i creditul bancar const` [n aceea c` creditorul civil [mprumut` prorpiul s`u capital, pe c@nd bancherul [mprumut` banii altuia, pe care [i p`streaz` ]i [i fructific` cu mijloace specifice.Depozitele pot fi purt`toare de dob@nd`. In rapot cu termenul restituirii, depozitele numerar pot fi : depozite la vedere- deponentul poate retrage oric@nd suma [ncredin\at` b`ncii spre p`strare beneficiind, [ns`, de o dob@nd` mai redus` sau chiar f`r` a primi dob@nd` dac` se consider` c` banca este cea care face un serviciu clientului; depozite la scaden\` fix`- depun`torul p;oate retrage suma numai dup` un interval de timp restabilit, dar ele deneficiaz` de o dob@nd` mai ridicat` pentru c` banca, nefiind anenin\at` de pericolul unei retrageri intempestive, poate fructifica, [n prorpiul interes, suma depus` de client; depozite [n cont curent- deponentul poate retrage oric@nd sume pe m`sura nevoilor sale, dar el opereaz` [n acela]i timp ]i depuneri, [n acela]i cont, men\in@nd sau major@nd soldul. Certificatele de depozit(bonuri de cas`) sunt titluri de credit emise de b`nci pentru disponibilit`\ile b`ne]ti pe termen scurt ale societ`\ilor comerciale sau ale persoanelor fizice. Avantajul certificatelor de depozit cont` [n caracterul lor negociabil, deponentul posesor al certificatului de depozit, put@nd s`-l negocieze pe pia\` transform@ndu-l u]or [n numerar, f`r` a retrage depozitul bancar. Pentru protejarea drepturilor deponen\ilor s-a luat m`sura asigur`rii depozitelor ce const` [n constituirea uneia sau mai multor fonduri [n acest scop, de c`tre statul rom@n, sau de c`tre institu\iile financiare publice sau private, care vor func\iona pe baza autoriza\iei date de BNR, ]i sub supravegherea acesteia. Din cele spuse mai sus rezult` leg`tura str@ns`, organic`, existent` [ntre aparatul bancar care define]te aspectul organizatoric, ]i sistemul banacar care cuprinde opera\iile ]i tranzac\iile efectuate de b`nci, adic` activitatea bancar` ca activitate specific` a acestui domeniu. Sistemul bancar {n epoca contemporan` locul ]i rolul bancilor [n economie sunt str@ns legate de calitatea lor de intermediar principal [n rela\ia economii-investi\ii, rela\ie hot`r@toare [n cre]terea economic`. Agen\ii economici []i g`sesc resursele necesare realiz`rii investi\iilor, fie prin propriile economii, fie recurg@nd la credite ce le sunt acordate prin b`nci, [n procesul de reciclare ]i valorificare a capitalurilor monetare [n economie. Ele creeaz` astfel condi\iile unei ample redistribuiri a capitalurilor pe m`sura evolu\iei istorice, tot mai mari, vehiculate de o larg` re\ea de intermediari care, [n structura sistemului bancar [n formare, au fost b`ncile comerciale sau de depozit. {n cadrul sistemului bancar s-au inclus [n timp ]i intermediari nemonetari care au ca func\ii principale: colectarea de economii sau acordarea de credite pe termen mijlociu ]i lung, direct c`tre beneficiar-pentru investi\ii, ipotec`, comer\ exterior, consum-sau prin aranjarea de capitaluri pentru acreditare-prin titularizare sau prin alte forme. De]i structurile na\ionale ale sistemelor bancare sunt foarte diferite, totu]i pretutindeni [n lume s-au clarificat la un moment dat. B`ncile de depozit- comerciale- efectueaz` toate tipurile de opera\iuni bancare. Deci, au o activitate diversificat` ce se poate modifica liber [n func\ie de cerin\e, posibilit`\i ]i propria orientare. Totu]i, opera\iunile de baz` sunt reprezentate de constiruirea de depozite ]i utilizarea lor [n scopul acord`rii de credite agen\ilor economici. Ele sunt organizate ca societ`\i comerciale ]i urm`resc ob\inerea unui profit. B`ncile specializate includ o sfer` larg` de institu\ii de credit cu o gam` larg` de diferen\ieri ]i implicit, cu statute deosebite de la \ar` la \ar`. {ntre b`ncile specializate un loc important ocup` institu\iile de credit specializate c`rora le-a fost [ncredin\at` o misiune de interes public: crediterea pe termen mijlociu ]i lung a unor ramuri frecvent agricultura sprijinirea ac\iunilor de credit ipotecar imobiliar, crediterea colectivit`\ilor locale, etc. Societ`\ile financiare, [n fapt societ`\i de credit, sunt prezen\e importante [n activit`\ile economice [n toate \`rile dezvoltate. Sunt institu\ii de credit care, pe de o parte, nu sunt autorizate s` primeasc` depozite, iar pe de alt` parte nu pot efectua dec@t opera\ii pentru care au fost abilitate prin lege sau conven\ie. Principalele lor orient`ri sunt: leasing-ul, factoring-ul, acordarea ]i garantarea de credite pe termen mijlociu ]i lung pentru inteprinderi, creditarea m`rfurilor cu plata [n rate, creditarea locuin\elor cu garan\ii, etc. {n considerarea structurii sistemului bancar trebuie s` avem [n vedere c` [n componentele na\ionale se afirm` ]i tr`s`turi generale, dar ]i particularit`\i ale alc`tuirii verigilor componente. O mare parte din b`ncile specializate sunt [ns` unit`\i profilate unilateral, fie primordil pentru mobilizarea de resurse, fie preponderent pentru acordarea creditelor din resurse ce-i sunt puse la dispozi\ie. {n acest cadru, alte institu\ii de regul` b`ncile comerciale [n general joac` rolul de intermediar. Astfel, b`ncile comerciale []i exercit` rolul lor de intermediari nu numai [ntre agen\i din afara sistemului bancar, ci au un rol major [n reciclarea ]i valorificarea capitalului, [n mobilizarea de resurse ]i distribuirea de credite [n sistemul bancar, deci intermediaz` [ntre verigile bancare. {n acest proces se afirm` ca principale func\ii ale b`ncilor comerciale, cele dou` laturi de intermediari: mobilizarea resurselor ]i distribuirea creditelor. {n [ndeplinirea func\iilor, b`ncile comerciale [ndeplinesc anumite opera\ii specifice considerate ]i reunite, dup` sensul lor [n pasive ]i active. Opera\iile active se grupeaz` [n: opera\ii de credite a firmelor opera\ii de creditare a persoanelor particulare opera\ii de plasament {n cadrul sistemului bancar banca de emisiune are un rol major. Prin func\iile [ndeplinite, prin leg`turile multilaterale cu celelalte b`nci ]i prin acestea cu economia, banca de emisiune reprezint` o plac` turnant` a sistemului bancar, afirm@ndu-]i pe deplin cea de-a doua denumire sub care este cunoscut`, ca banc` central`. Sunbstan\a func\ionalit`\ii b`ncii de emisiune se manifest` prin cinci func\ii principale: de emisiune; de creditare; de centru valutar; de banc` a b`ncilor; de banc` a statului. La r@ndul lor fiecare din aceeste func\ii au sfere de ac\iune distincte, dar prin natura lor, interdependente ]i intercorelate. Func\ia de creditare decurge direct din func\ia de emisiune. Emisiunea bancnotelor ele fiind titluri de credit [nseamn` crea\ie de mijloc de plat`, fapt ce creeaz` b`ncii un poten\ial specific. {n procesul de distribuire a acestei disponibilit`\i se pune la dispozi\ia agen\ilor economici putere de cump`rare ]i capacitate de plat`. Procesul de distribuire ]i redistribuire a acestui mijloc de plat` [n economie se realizeaz` prin sistemul bancar, b`ncile de diferite tipuri, [n special b`ncile comerciale, reprezent@nd intermediari de baz` [ntre agen\ii economici ]i banca de emisiune, care prin bancnotele emise este izvorul principal al creditului [n economie. O alt` opera\ie activ` ]i primordial` a b`ncilor de emisiune este achizi\ia de obliga\iuni ]i bonuri de tezaur ale statului, opera\ii desf`]urate [n raport cu b`ncile ]i institu\iile de credit care [nseamn` de fapt recreditare. {n principalele opera\ii active specifice b`ncii de emisiune, aeste []i afirm` rolul s`u esen\ial ca factor important al procesului de recreditare din economie, postur` [n care se manifest` ca ultim creditor. {n str@ns` leg`tur` cu aportul s`u important [n creditarea economic` ]i pozi\ia sa [n procesul de recreditare, b`ncile de emisiune au un rol major [n statutarea [n economie a unor reglement`ri judicioase privind acordarea creditelor, implicit. Casele de economii : reprezint` o verig` important` [n sistemul bancar.Ele sunt fie institu\ii care au ca principale atribu\ii func\ionale mobilizarea economiilor, dar ]i b`nci ale autorit`\ilor locale ]i ale institu\iilor de prevederi de\in`toarea fondurilor constituite pentru pensii ]i asigur`ri sociale. Asem`n`toare prin menirea lor ini\ial`, c@t ]i prin transform`rile ce le caracterizeaz`, [n \`rile dezvoltate mai func\ioneaz` o serie de re\ele de case de economii cum sunt cooperativele de credit larg extinse [n Germania ]i Fran\a. Nefiind angajate, uneori, respectarea normelor aplicabile b`ncilor autohtone, b`ncile str`ine beneficiaz` de avantaje deosebite privind regimul circula\iei capitalurilor, impozitele sau nivelul dob@nzilor. Asisten\a bancar` modern` Serviciul de casierie. Banca asigur` pentru clientela sa efectuarea tuturor opera\iunilor de casierie, [ncas`ri ]i pl`\i [n numerar, viramente, etc; Serviciul de portofoliu. Acest serviciu al b`ncii execut` toate opera\iunile privind girul cambiilor pentru [ncasare, ceea ce reprezint` un volum important ]i impune informatizarea pentru reducerea costurilor; Serviciul de rela\ii externe. Acest serviciu []i asum` toate opera\iunile clientului cu partenerii s`i str`ini. Este singurul serviciu care poate asigura clientului o protec\ie eficient` contra riscului schimbului valutar; Serviciul financiar. Prin care se realizeaz` conexiunea clientului cu bursa de valori. Servicii specializate [n consultan\` ce ofer` clientelei sprijin calificat pentru: G`sirea de parteneri pentru afaceri; Identificarea posibilit`\ilor pentru export; Elaborarea de studii de diagnostic al intreprinderii (asupra organiz`rii interne, asupra produselor, a procesului de produc\ie, a penetr`rii pie\ei); Furnizarea de informa\ii asupra riscurilor investi\iei [n diverse domenii economice sau zone geografice; Consultan\` juridic` fiscal`. Serviciile de informatic` Marile b`nci posed` milioane de clien\i ]i efectueaz` zilnic milioane de opera\iuni. Numai informatizarea permite efectuarea unui asemenea volum de informa\ii. 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