Creditele de consum au impins bancile intr-o zona de risc

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In ultimii ani principala sursa a cresterii averii populatiei este reprezentata de valoarea imobilelor detinute. Potrivit estimarilor BNR, aceste active nefinanciare reprezinta 90% din totalul activelor, in timp ce in Uniunea Europeana ponderea este de 50% cu diferentieri substantiale de la tara la tara (40% in Olanda si 70% in Spania).