{"id":88472,"date":"2018-02-21T19:13:00","date_gmt":"2018-02-21T19:13:00","guid":{"rendered":""},"modified":"2023-01-06T20:28:09","modified_gmt":"2023-01-06T20:28:09","slug":"sistemul-bancar-in-germania","status":"publish","type":"post","link":"https:\/\/cvnextjob.com\/index.php\/2018\/02\/21\/sistemul-bancar-in-germania\/","title":{"rendered":"Sistemul bancar \u00een Germania."},"content":{"rendered":"
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Miracolul economic din Germania postbelic\u0103, pozi\u0163ia actual\u0103 a Germaniei ca cea mai puternic\u0103 economie a Europei \u015fi de lider al Uniunii Europene are drept suport \u015fi dezvoltarea f\u0103r\u0103 precedent al sistemului bancar.<\/span><\/div>\n
Conceptul de baz\u0103 \u00een guvernarea activit\u0103\u0163ii bancare este \u201eALLFINANZ\u201d sistemul b\u0103ncilor universale, b\u0103ncilor germane fiindu-le permis s\u0103 se implice \u00een orice activitate financiar\u0103.<\/span><\/div>\n
\u00cen forma modern\u0103 sistemul bancar german s-a dezvoltat \u00eencep\u00e2nd cu a doua jum\u0103tate a secolului XIX, dezvoltare realizat\u0103 \u00een dou\u0103 forme diferite:<\/span><\/div>\n
1.                  <\/span><\/span>Dezvoltarea unei largi re\u0163ele cooperatiste \u015fi populare<\/span><\/div>\n
2.                  <\/span><\/span>Constituirea de b\u0103nci comerciale concentrate rapid.<\/span><\/div>\n
B\u0103ncile germane sunt \u00een propor\u0163ie de \u00be, b\u0103ncile universale ceea ce nu exclude o anumit\u0103 specializare \u00een 3 sectoare.<\/u><\/span><\/div>\n
– B\u0103ncile de credit. Primele 6, \u00een ordinea importan\u0163ei sunt: Deutche Bank, Dresdner Bank, Commerzbank, Bayerische Hypotheken und Wechsel Bank, Bayerische Vereinsbank \u015fi Bank fur Gemeinwirtschaft<\/span><\/div>\n
– Casele de economii, care de\u0163in primul loc \u00een re\u0163eaua bancar\u0103 sub aspectul volumului afacerilor av\u00e2nd statutul de institu\u0163ii publice<\/span><\/div>\n
–                                              <\/span><\/span>Cooperativele de credit, cele mai importante grupate \u00een 9 centrale \u015fi o cas\u0103 na\u0163ional\u0103 (DG BANK).<\/span><\/div>\n
B\u0103ncile specializate sunt: Institu\u0163iile de credit pentru locuin\u0163e, Institu\u0163iile de credit pentru consum, Institu\u0163iile de credit cu atribu\u0163iuni speciale, private \u015fi publice, Institu\u0163iile bancare ale po\u015ftei.<\/span><\/div>\n
Banca Central\u0103 (DBB) are nu numai un sediu central ci \u015fi 11 \u201esedii locale\u201d, care sunt b\u0103ncile landurilor (Landsezentralbanken) la care se adaug\u0103 agen\u0163iile principale (cca.60) \u015fi sucursalele (cca.150). Aceast\u0103 structur\u0103 original\u0103, \u00eempreun\u0103 cu independen\u0163a sa fa\u0163\u0103 de schimb\u0103rile politicilor guvernamentale au contribuit la crearea reputa\u0163iei de soliditate a m\u0103rcii germane.<\/span><\/div>\n
\u00centregul capital social al DBB apar\u0163ine statului, iar conducerea apar\u0163ine unui organism central unic (Zentralbankrat), c\u0103ruia \u00eei revine misiunea de a defini politica monetar\u0103 \u015fi de credit.<\/span><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Miracolul economic din Germania postbelic\u0103, pozi\u0163ia actual\u0103 a Germaniei ca cea mai puternic\u0103 economie a Europei \u015fi de lider al Uniunii Europene are drept suport \u015fi dezvoltarea f\u0103r\u0103 precedent al sistemului bancar. Conceptul de baz\u0103 \u00een guvernarea activit\u0103\u0163ii bancare este \u201eALLFINANZ\u201d sistemul b\u0103ncilor universale, b\u0103ncilor germane fiindu-le permis s\u0103 se implice \u00een orice activitate financiar\u0103. […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/posts\/88472"}],"collection":[{"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/comments?post=88472"}],"version-history":[{"count":0,"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/posts\/88472\/revisions"}],"wp:attachment":[{"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/media?parent=88472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/categories?post=88472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cvnextjob.com\/index.php\/wp-json\/wp\/v2\/tags?post=88472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}