{"id":36898,"date":"2026-06-09T07:33:00","date_gmt":"2026-06-09T06:33:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=36898"},"modified":"2026-06-09T09:10:50","modified_gmt":"2026-06-09T08:10:50","slug":"scheme-robor-si-mana-grebla-se-facu","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=36898","title":{"rendered":"Scheme ROBOR: \u0218i m\u00e2na grebl\u0103 se f\u0103cu"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p class=\"wp-block-paragraph\">Consiliul Concuren\u021bei avea <a href=\"https:\/\/www.digi24.ro\/digieconomic\/financiar\/amenzi-record-in-sectorul-bancar-consiliul-concurentei-sanctioneaza-10-mari-banci-cu-710-mil-euro-pentru-manipularea-robor-104531\">un dosar la sertar<\/a>, \u0103sta, voiam s\u0103 zic o investiga\u021bie deschis\u0103 de prin 2022 \u00een care anchetau manevre pe ROBOR din 2018. Au fost, normal c\u0103 au fost. Dar acuma a venit vremea unui decont politic \u0219i se racheteaz\u0103 ni\u0219te bani de la c\u0103m\u0103tari &#8211; dac\u0103 ar fi pe cinste \u0219i corectitudine, ar trebui s\u0103 ne sup\u0103r\u0103m c\u0103 statul abuzeaz\u0103 b\u0103ncile.<br \/>Da nu e pe din astea. <br \/>Zic a\u0219a, c\u0103 chestiunea manipul\u0103rii ROBOR-ului e complex\u0103 \u0219i prezint\u0103 umfl\u0103turi, nu vine mereu dinspre b\u0103nci de\u0219i poate s\u0103 fie vorba \u0219i despre cartelizare, dar tartorul cel mai mare a fost istoric &#8211; taica Is\u0103rescu. Explic. <br \/>ROBOR-ul \u00een Rom\u00e2nia se manipuleaz\u0103 <a href=\"https:\/\/www.bursa.ro\/lucian-isar-robor-poate-fi-manipulat-in-sus-si-in-jos-relativ-usor-42024637\">romul\u0103ne\u0219te<\/a>, domnul Chiri\u021boiu a spus cum din 2019, c\u00e2nd s-au apucat de ancheta asta. <br \/><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rom\u00e2nia e una din pu\u021binele \u021b\u0103ri care pentru stabilirea *BOR-ului local cere ofertare ferm\u0103. Cerut\u0103 de BNR ca s\u0103 nu se mai prefac\u0103 b\u0103ncile \u00eentre ele c\u0103 fac oferte la mi\u0219to. Bun. Adic\u0103 b\u0103ncile pun pe pia\u021b\u0103 rata oferta de \u00eemprumut interbancar \u0219i pe v\u00e2nzare \u0219i pe cump\u0103rare \u0219i trebuie s\u0103 fie ferm\u0103. Prin urmare dac\u0103 eu ( alt\u0103 banc\u0103 ) v\u0103d oferta ta  de 0% pot s\u0103-\u021bi cer bani \u00eemprumut la oferta aia.  Dac\u0103 e la 5%, pot s\u0103 \u00ee\u021bi dau bani \u00eemprumut la oferta aia, prin urmare b\u0103ncile ar avea interesul unui echilibru pentru a elimina arbitrajele. \u0218i le-a impus \u0219i cote minime de tranzac\u021bionare pe oferta aia 5 milioane de lei, adic\u0103 nu po\u021bi considera ROBOR o ofert\u0103 stabilit\u0103 pe 0% sume tranzac\u021bionate efectiv.<br \/><br \/>However, taica Is\u0103rescu a venit cu o schem\u0103 pentru a \u00eempinge el politici dinspre BNR anume le-a zis c\u0103 treaba asta poate s\u0103 fie efectuat\u0103 15 minute pe zi, 900 de secunde, cum ar zice cineva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Volumul minim tranzac\u021bionabil relativ la banii din pia\u021ba financiar\u0103 din Rom\u00e2nia emult prea mic pentru semnificativitate.<br \/><br \/>Dar de unde \u0219tii c\u00e2nd treaba e pe na\u0219pa e c\u00e2nd verifici divergen\u021ba sau diferen\u021ba dintre cursurile la care se desf\u0103\u0219oar\u0103 <strong>restul <\/strong> tranzac\u021biilor din ziua cu pricina dimpreun\u0103 cu volumele tranzac\u021bionate  , \u00een raport cu volumele din ofertarea care conteaz\u0103 pentru ROBOR. <br \/><br \/>Adic\u0103, \u00een teoerie , ROBOR-ul trebuie s\u0103 fie un sampling al tranzac\u021biilor din cursul unei zile. C\u00e2nd, \u00een practic\u0103 se vede c\u0103 e simulat \u0219i se vede,  c\u0103 nu bate \u0219i e tinde s\u0103 fie mai mare, se poate u\u0219or concluziona c\u0103 e nerealist raportat la pia\u021b\u0103 \u0219i dac\u0103 un num\u0103r mare de juc\u0103tori \u00eel practic\u0103, \u00een\u021bele\u0219i, e clar c\u0103 e cartelizare. <br \/>Amenzile sunt \u0103stea \u0219i sunt bune. Dracu \u0219tie cum se termin\u0103, dar dac\u0103 a\u0219 fi un Neicu\u0219or Dan sau un Bolovan a\u0219 da o din aia cu mant\u0103 c\u0103tre \u0103\u0219tia cu judecata de apoi &#8211; aloo, vre\u021bi pensii mai mari pe degeaba , e? Uite banii de pensii &#8211; \u0219o pe ei. <br \/>Desigur, nu a\u0219a se face, dar zic \u0219i io. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1364\" height=\"1049\" data-attachment-id=\"36899\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=36899#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26.png\" data-orig-size=\"1364,1049\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26.png\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26.png\" alt=\"\" class=\"wp-image-36899\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26.png 1364w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26-480x369.png 480w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26-200x154.png 200w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2026\/06\/image-26-768x591.png 768w\" sizes=\"auto, (max-width: 1364px) 100vw, 1364px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen practic\u0103 eu cred c\u0103 statul negociaz\u0103 acum ni\u0219te obliga\u021biuni \u0219i \u00eemprumuturi cu b\u0103ncile \u0103stea. C\u0103 ROBOR-ul deja s-a pl\u0103tit de populime. <br \/>Ar fi mi\u0219to dac\u0103 judecata ar \u021bine, c\u0103 \u00een felul \u0103sta ar legitima clien\u021bii b\u0103ncilor care au pl\u0103tit credite la ROBOR-urile \u00een chestiune s\u0103-i dea \u00een judecat\u0103 \u0219i s\u0103 cear\u0103 desp\u0103gubiri. <br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Consiliul Concuren\u021bei avea un dosar la sertar, \u0103sta, voiam s\u0103 zic o investiga\u021bie deschis\u0103 de prin 2022 \u00een care anchetau manevre pe ROBOR din 2018.&hellip;<\/p>\n","protected":false},"author":2,"featured_media":25157,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,170],"tags":[3057,7324,7323,2114],"class_list":["post-36898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-politice","tag-banci-2","tag-cartelizarea-bancilor","tag-consiliul-concurentei","tag-robor"],"views":77,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/07\/evreu-bani-taxe.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9B8","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=36898"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36898\/revisions"}],"predecessor-version":[{"id":36900,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36898\/revisions\/36900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/25157"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}