{"id":1978734,"date":"2026-06-08T10:23:04","date_gmt":"2026-06-08T07:23:04","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1978734"},"modified":"2026-06-08T10:23:04","modified_gmt":"2026-06-08T07:23:04","slug":"chiritoiu-explica-mecanismul-prin-care-marile-banci-din-romania-ar-fi-influentat-robor-nu-e-un-cartel","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1978734","title":{"rendered":"Chiri\u021boiu explic\u0103 mecanismul prin care marile b\u0103nci din Rom\u00e2nia ar fi influen\u021bat ROBOR. \u201eNu e un cartel\u201d"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/s.iw.ro\/gateway\/g\/ZmlsZVNvdXJjZT1odHRwJTNBJTJGJTJG\/c3RvcmFnZTA4dHJhbnNjb2Rlci5yY3Mt\/cmRzLnJvJTJGc3RvcmFnZSUyRjIwMjYl\/MkYwNiUyRjA3JTJGMjc3NDg4Nl8yNzc0\/ODg2X2JvZ2Rhbi1jaGlyaXRvaXUtMi5q\/cGcmdz0xMjAwJmg9NjMwJnpjPTEmaGFz\/aD05Y2FlNjc4MWRhZWU5ZmYxNjYyNmE0Y2NjMjFjZDUzMA==.thumb.jpg&#8221;]<\/p>\n<div class=\"entry data-app-meta data-app-meta-article\" data-embed-base-url-canonical=\"https:\/\/www.digi24.ro\/embed\/stiri\/economie\/chiritoiu-explica-mecanismul-prin-care-marile-banci-din-romania-ar-fi-influentat-robor-nu-e-un-cartel-3805767\">\n<p lang=\"ro-RO\" data-index=\"1\"><strong>Pre\u0219edintele Consiliului Concuren\u021bei, Bogdan Chiri\u021boiu, a explicat \u00eentr-o conferin\u021b\u0103 de pres\u0103 modul \u00een care principalele b\u0103nci din Rom\u00e2nia ar fi influen\u021bat ROBOR \u0219i, implicit, dob\u00e2nda pl\u0103tit\u0103 la creditele legate de acest indice. B\u0103ncile au f\u0103cut schimb de informa\u021bii confiden\u021biale \u0219i au viciat procesul, a spus Chiri\u021boiu. B\u0103ncile spun, pe de alt\u0103 parte, <a href=\"https:\/\/www.digi24.ro\/stiri\/economie\/reactie-in-lant-a-bancilor-dupa-amenzile-din-dosarul-robor-ce-spun-bt-bcr-brd-unicredit-cec-si-raiffeisen-3805483\" target=\"_blank\" rel=\"noopener\" data-skip-linkfix=\"1\">c\u0103 au respectat legisla\u021bia<\/a> \u0219i anun\u021b\u0103 c\u0103 vor contesta \u00een instan\u021b\u0103 decizia autorit\u0103\u021bii.<\/strong><\/p>\n<p lang=\"ro-RO\" data-index=\"2\">Este vorba despre \u201eprocesul de stabilire a indicelui, plus c\u0103 exist\u0103 comunic\u0103ri \u00eentre b\u0103nci, metodologii comune, metodologii pe care le-au pus \u00eempreun\u0103 la punct, deci sunt un ansamblu de comportamente care viciaz\u0103 modul de stabilire al indicelui\u201d, a spus Chiri\u021boiu.<\/p>\n<p lang=\"ro-RO\" data-index=\"3\">\u201eAcum, c\u00e2t de mari sunt modific\u0103rile? Vorbim de frac\u021biuni de procente. Deci nu vorbim aici de procente, pentru c\u0103 oricum ROBOR e stabilit prin instrumentele pe care le are Banca Na\u021bional\u0103, stabile\u0219te un maxim \u0219i un minim, \u00een esen\u021b\u0103. Deci culoarul \u0103sta e larg, de c\u00e2teva procente, noi vorbim aici de fluctua\u021bii mici \u00een interiorul acestui acestui culoar. Influen\u021ba se duce asupra creditelor \u00een lei \u0219i mai pu\u021bin a celor care folosesc IRCC, pentru c\u0103 IRCC-ul e bazat pe tranzac\u021bii reale, nu pe tranzac\u021bii poten\u021biale. \u0218i atunci zona asta, care acuma e majoritar\u0103 la popula\u021bie, nu este direct afectat\u0103. R\u0103m\u00e2n o serie de credite ca ei sunt legate de de ROBOR, deci credite \u00een lei, unele ale popula\u021biei \u0219i unele ale ale companiilor. Deci acolo ar fi impactul\u201d, a explicat el.<\/p>\n<p lang=\"ro-RO\" data-index=\"4\">\u00centrebat ce perioad\u0103 a vizat ancheta, Chiri\u021boiu a spus: \u201eNe-am uitat din 2018 \u00eencoace\u201d.<\/p>\n<p lang=\"ro-RO\" data-index=\"5\">El a explicat c\u0103 ancheta a \u00eenceput \u00een 2022, dar perioada analizat\u0103 a \u00eenceput \u00een urm\u0103 cu patru ani.<\/p>\n<p lang=\"ro-RO\" data-index=\"6\">\u00centrebat dac\u0103 are suspiciuni c\u0103 b\u0103ncile au f\u0103cut schimb de informa\u021bii confiden\u021biale, Chiri\u021boiu a r\u0103spuns: \u201eDa\u201d.<\/p>\n<p lang=\"ro-RO\" data-index=\"7\">\u201eRezultatul acelui acestui schimb de informa\u021bii, da, este faptul c\u0103 viciaz\u0103 procesul, dar \u0219i asta duce la cre\u0219tere. Nu e un cartel, nu e ceva de genul: ne-am \u00eent\u00e2lnit \u00eentr-o sal\u0103 \u0219i am stabilit c\u0103 o s\u0103 fie m\u00e2ine 7,5. Deci nu vorbim de a\u0219a ceva.<\/p>\n<p lang=\"ro-RO\" data-index=\"8\">Nu e un cartel, vorbim de schimb de informa\u021bii, repet, stabilire de metodologii, comunic\u0103ri, e adev\u0103rat \u00eentre ei \u0219i faptul c\u0103 \u00een momentul c\u00e2nd tu cotezi, ai jum\u0103tate de or\u0103 \u00een care trebuie s\u0103 spui la c\u00e2t stabile\u0219ti \u00een ziua respectiv\u0103 indicii din partea b\u0103ncii tale. \u00cen timpul \u0103sta, ei puteau s\u0103 vad\u0103 ce f\u0103ceau ceilal\u021bi \u0219i puteau s\u0103 influen\u021beze\u201d, a spus Chiri\u021boiu.<\/p>\n<p lang=\"ro-RO\" data-index=\"9\">Consiliul Concuren\u021bei a anun\u021bat c\u0103 a sanc\u021bionat 10 b\u0103nci cu amenzi totale de 3,73 miliarde de lei, echivalentul a aproximativ 710 milioane de euro, pentru \u00eenc\u0103lcarea normelor de concuren\u021b\u0103 \u0219i coordonarea comportamentului \u00een cadrul procedurii de stabilire a ROBOR. Institu\u021bia sus\u021bine c\u0103 b\u0103ncile au \u00eenc\u0103lcat Legea concuren\u021bei \u0219i Tratatul privind Func\u021bionarea Uniunii Europene prin schimburi de informa\u021bii considerate confiden\u021biale \u0219i strategice \u00een procesul de fixing al ROBOR.<\/p>\n<p lang=\"ro-RO\" data-index=\"10\">Banca Transilvania, BCR, BRD, UniCredit, CEC Bank \u0219i Raiffeisen sus\u021bin c\u0103 au respectat legisla\u021bia \u0219i anun\u021b\u0103 c\u0103 vor contesta \u00een instan\u021b\u0103 decizia autorit\u0103\u021bii. Unele b\u0103nci vorbesc despre o decizie \u201earbitrar\u0103\u201d, \u201enefondat\u0103\u201d sau \u201einjust\u0103\u201d, \u00een timp ce avocatul Gheorghe Piperea \u00eei \u00eendeamn\u0103 deja pe clien\u021bi s\u0103 dea b\u0103ncile \u00een judecat\u0103 pentru recuperarea dob\u00e2nzilor calculate pe baza ROBOR.<\/p>\n<p> Editor : <a href=\"https:\/\/www.digi24.ro\/autor\/monica-bonea\"> M.B. <\/a><\/p>\n<\/div>\n<p>[analyse_source url=&#8221;https:\/\/www.digi24.ro\/stiri\/economie\/chiritoiu-explica-mecanismul-prin-care-marile-banci-din-romania-ar-fi-influentat-robor-nu-e-un-cartel-3805767&#8243;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/s.iw.ro\/gateway\/g\/ZmlsZVNvdXJjZT1odHRwJTNBJTJGJTJG\/c3RvcmFnZTA4dHJhbnNjb2Rlci5yY3Mt\/cmRzLnJvJTJGc3RvcmFnZSUyRjIwMjYl\/MkYwNiUyRjA3JTJGMjc3NDg4Nl8yNzc0\/ODg2X2JvZ2Rhbi1jaGlyaXRvaXUtMi5q\/cGcmdz0xMjAwJmg9NjMwJnpjPTEmaGFz\/aD05Y2FlNjc4MWRhZWU5ZmYxNjYyNmE0Y2NjMjFjZDUzMA==.thumb.jpg&#8221;] Pre\u0219edintele Consiliului Concuren\u021bei, Bogdan Chiri\u021boiu, a explicat \u00eentr-o conferin\u021b\u0103 de pres\u0103 modul \u00een care principalele b\u0103nci din Rom\u00e2nia ar fi influen\u021bat ROBOR \u0219i, implicit, dob\u00e2nda pl\u0103tit\u0103 la creditele legate de acest indice. B\u0103ncile au f\u0103cut schimb de informa\u021bii confiden\u021biale \u0219i au viciat procesul, a spus Chiri\u021boiu. B\u0103ncile spun, pe de alt\u0103 parte, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,11],"class_list":["post-1978734","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-digi24"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1978734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1978734"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1978734\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1978734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1978734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1978734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}