{"id":140,"date":"2021-08-30T14:16:48","date_gmt":"2021-08-30T11:16:48","guid":{"rendered":"https:\/\/www.valutare.ro\/blog\/?p=140"},"modified":"2022-10-15T06:29:10","modified_gmt":"2022-10-15T03:29:10","slug":"indicele-robor-ce-este-romanian-interbank-offer-rate","status":"publish","type":"post","link":"https:\/\/www.valutare.ro\/blog\/indicele-robor-ce-este-romanian-interbank-offer-rate\/","title":{"rendered":"Indicele ROBOR, ce este Romanian Interbank Offer Rate?"},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\">Ce este Indicele ROBOR?<\/h2>\r\n\r\n\r\n\r\n<p>Indicele ROBOR, Romanian Interbank Offer Rate este rata stabilita zilnic de catre BNR incepand sub diverse forme inca din 1995 si reprezinta rata medie pentru imprumuturile sub forma de depozite in lei, celorlalte banci contributoare pe piata interbancara, se exclud din calcul cea mai mare si cea mai mica rata a dobanzii. Indicele ROBOR se calculeaza in functie de cererea si oferta de lichiditati pe piata interbancara si este influentat de foarte multi factori precum inflatia, riscul investitiilor, lichiditatea existenta pe piata monetara, etc. Aici poti vedea indicii <a href=\"https:\/\/www.bnr.ro\/ROBID-ROBOR-5672-Mobile.aspx\" rel=\"noreferrer noopener\">ROBID-ROBOR<\/a>.<\/p>\r\n\r\n\r\n\r\n<p>Ratele de referinta ROBOR se stabilesc in mai multe tipuri de indici, cea mai scurta fiind de o zi, iar cea mai lunga de un an: o zi, o saptamana, o luna, trei luni, sase luni, noua luni, un an. Pentru creditele acordate de banci pentru persoane fizice, societati comerciale, etc. Cele mai importante sunt ratele ROBOR pentru scadentele de 3 si 6 luni, care servesc\r\ndrept referinta pentru stabilirea ratelor dobanzilor variabile.<\/p>\r\n\r\n\r\n\r\n<p>ROBOR este media dobanzilor cotate de bancile care participa la procesul de calcul al ROBOR, dupa eliminarea extremelor, si se calculeaza, in general, in jurul orei 11:00 de cstre cele mai importante 10 banci. Lista cu cele 10 banci se poate schimba la fiecare 6 luni.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Echivalentul ROBOR pentru alte tari<\/h2>\r\n\r\n\r\n<p>Alaturi de ROBID-ul si ROBOR-ul romanesc, intalnim si alti indici de referinta precum EURIBOR si LIBOR, care sunt folositi in calculul ratelor de dobanda variabile la creditele in valuta. EURIBOR &#8211; Euro Interbank Offered Rate, este rata de referinta pe piata monetara pentru Euro. Rata de referinta este publicata zilnic in jurul orei 11:00, ora Bruxelles. <\/p>\r\n\r\n\r\n\r\n<p>LIBOR &#8211; London Interbank Offered Rate, care reprezinta Rata Interbancara Oferita la Londra, serveste ca o rata a dobanzii cheie acceptata la nivel global, care indica costurile de imprumut intre banci. Rata este calculata si va continua sa fie publicata in fiecare zi de Intercontinental Exchange (ICE), dar din cauza scandalurilor recente si a intrebarilor legate de valabilitatea sa ca rata de referinta, aceasta este eliminata treptat. Potrivit Rezervei Federale si a autoritatilor de reglementare din Marea Britanie, LIBOR va fi eliminat treptat pana la 30 iunie 2023 si va fi inlocuit cu rata securizata de finantare peste noapte (SOFR). Ca parte a acestei eliminari treptate, tarifele LIBOR pentru o saptamana si doua luni LIBOR nu vor mai fi publicate dupa 31 decembrie 2021.<\/p>\r\n\r\n\r\n\r\n<p>Pentru curs valutar BNR complet, vizitati <a href=\"https:\/\/www.valutare.ro\/curs\/curs-valutar-bnr.html\" title=\"Curs valutar BNR\">curs valutar BNR<\/a>.<\/p>\r\n\r\n\r\n","protected":false},"excerpt":{"rendered":"<p>Ce este Indicele ROBOR? Indicele ROBOR, Romanian Interbank Offer Rate este rata stabilita zilnic de catre BNR incepand sub diverse forme inca din 1995 si reprezinta rata medie pentru imprumuturile sub forma de depozite in lei, celorlalte banci contributoare pe piata interbancara, se exclud din calcul cea mai mare si cea mai mica rata a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[14,15],"class_list":["post-140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-curs-bnr","tag-indicele-robor","tag-robor"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Indicele ROBOR, ce este Romanian Interbank Offer Rate? - Valutare.ro - Curs valutar case de schimb, curs BNR, curs valutar banci<\/title>\n<meta name=\"description\" content=\"Indicele ROBOR, Romanian Interbank Offer Rate este rata medie stabilita zilnic de catre BNR pentru imprumuturile de pe piata interbancara\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.valutare.ro\/blog\/indicele-robor-ce-este-romanian-interbank-offer-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Indicele ROBOR, ce este Romanian Interbank Offer Rate? 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