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Banca Națională a României (BNR) citează un studiu ZEW din care reiese că 14 ţări din Uniunea Europeană aplică plafoane asupra dobânzilor contractuale de stipulat în contracte de credit tipice, în vreme ce alte 13 ţări nu au astfel de limitări.
„Unele ţări utilizează anumite forme de restricţii asupra creditelor, altele justifică absenţa acestora prin faptul că ele reduc accesul la credite şi sunt de natură să provoace distorsiuni grave în economie. În ţările care aplică restricţii, un instrument utilizat adesea este reprezentat de legislaţia împotriva cametei. Ţările care au plafoane, în marea lor majoritate, au optat pentru cele relative. Cele mai multe dintre acestea stabilesc plafoane bazate pe referinţe endogene (rate medii ale dobânzilor pieţei). Foarte puţine ţări folosesc plafoane

MAI MULT, aici » PaginadeBanci.ro


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