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Anul care a inregistrat cea mai mare crestere si cea mai mare scadere semestriala. Prapastia dintre cresterea semestrului 1 si scaderea semestrului 2 a fost construita atat de impactul crizei economice si financiare — criza ce debuta la acea data si in Romania — dar si de necesitatile fiscale macroeconomice identificate la acea data.

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Contextul macroeconomic al scaderii consumului, al cresterii somajului si al reducerii puterii de cumparare, ce a urmat, a dus la o crestere rapida a creditului de consum tip IFN. Creditarea responsabila, coduri de buna practica, transparenta si prudentialitatea, promovate de Banca Nationala a Romaniei, in scopul alinierii la tendintele europene de limitare a creditarii neperformante si diminuarii nivelului de credit cu impact in nivelul de trai al persoanelor fizice, au devenit termeni cunoscuti pentru actorii pietei financiar bancare si implicit ai institutiilor financiare nebancare.

Directiva Creditului de Consum armonizata in Romania a indus o scadere considerabila, in actualul context al bugetelor de austeritate, a creditului de consum manifestat sub forma leasingului.

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Leasingul si creditul - industrial si de consum - au ramas speranta institutiilor financiare nebancare, in contextul in care austeritatea tintea mai mult zona consumatorului si mai putin pe cea a agentilor economici. Cu toate acestea, intarzierea alinierii prevederilor fiscale la Directivele Europene, cu precadere in domeniul TVA sau al taxelor parafiscale, mentin un nivel ridicat de impredictibilitate si claze clue dating option, simtit cu precadere in acest interval de referinta.

In acest context rolul Asociatiei este acela de a pastra sinergia membrilor sai, de a gasi so- has been a reference year.

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It was the year registering the biggest growth and the highest decrease in a semester. The gap between the growth from semester 1 and the decrease in semester 2 was created both by the impact of the economic and financial crisis, a crisis that began at that time in Romania, too, and by the fiscal macroeconomic necessities identified at that time.

Мы, конечно, предпримем ответные меры. Иначе существование нашей колонии окажется под угрозой. Прежде чем прийти сюда, я распорядилась, чтобы привели в исполнение план военных действий номер 41, предусматривающий реакцию умеренной силы: частичное уничтожение колонистов Нового Эдема. Однако будет нанесен достаточно сокрушительный удар, способный быстро закончить войну.

The further macroeconomic context involving a lower consumption, an increased unemployment and a reduced purchasing power led to a rapid growth of the consumer credit claze clue dating option a NBFI type. The responsible lending, the codes of best practices, the transparency and the prudential measures promoted by the National Bank of Romania aiming to reach an alignment to the European trends for limiting the non-performing credits and to diminish the level of credit with an impact over the living standard of the individuals became usual words for the players of the banking financial market and, implicitly, of the non-banking financial institutions.

The Consumer Credit Directive harmonised in Romania induced an important decrease in the present context of the austerity budgets of the consumer credit manifested in the form of leasing.

The leasing and the credit — industrial and consumer ones — remained the hope of the nonbanking financial puzzle dating within the context of an austerity aimed more at the consumer area and less at the area of the economic agents.

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Nevertheless, the alignment delay of the fiscal provisions to the European Directives, particularly in the VAT field or in the field of the parafiscal taxes still maintain a high level of unpredictability and uncertainty, mostly felt in this period of reference.

The role of the Association in this context is to preserve the synergy of its members, to find 8.

Pe tatăl său, care a făcut o scurtă vizită în America înl-a cunoscut mai ales din povestirile familiei și din fotografii.