{"id":10628,"date":"2019-01-07T17:00:31","date_gmt":"2019-01-07T15:00:31","guid":{"rendered":"https:\/\/www.arb.ro\/?p=10628"},"modified":"2024-01-20T13:59:06","modified_gmt":"2024-01-20T11:59:06","slug":"ne-dorim-ca-romania-sa-ramana-la-coada-plutonului-ue-desigur-ca-nu-solutii","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/ne-dorim-ca-romania-sa-ramana-la-coada-plutonului-ue-desigur-ca-nu-solutii\/","title":{"rendered":"Ne dorim ca Rom\u00e2nia s\u0103 r\u0103m\u00e2n\u0103 la coada plutonului UE? Desigur c\u0103 nu! Solu\u021bii? - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"10628\" class=\"elementor elementor-10628\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea7d0ac e-flex e-con-boxed e-con e-parent\" data-id=\"1ea7d0ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cdb7cde elementor-widget elementor-widget-text-editor\" data-id=\"6cdb7cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-6851 alignleft\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB.jpg\" alt=\"\" width=\"600\" height=\"500\" \/><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Rom\u00e2nia, la 11 ani de la integrarea \u00een Uniunea European\u0103, se eviden\u021biaz\u0103 ca fiind statul european aflat la coada plutonului UE \u00een materie de bancarizare, intermediere financiar\u0103, nivelul educa\u021biei financiare \u0219i, cu mici excep\u021bii, ca nivel al bun\u0103st\u0103rii economice. \u00cengrijor\u0103toare sunt \u0219i statisticile care arat\u0103 c\u0103 unul din trei rom\u00e2ni este expus riscului de s\u0103r\u0103cie sau de excluziune social\u0103, iar fenomenul emigra\u021biei a determinat 15% din popula\u021bia \u021b\u0103rii s\u0103 plece.<\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Rom\u00e2nia \u00eenregistreaz\u0103 cel mai sc\u0103zut grad de intermediere financiar\u0103 din Uniunea European\u0103, 26,4% ca pondere a creditului neguvernamental \u00een PIB, \u0219i un nivel redus de bancarizare. Potrivit raportului Global Findex al B\u0103ncii Mondiale, care a analizat gradul de bancarizare \u00een 140 de \u021b\u0103ri din \u00eentreaga lume, 58% dintre adul\u021bii din Rom\u00e2nia au un cont bancar, Rom\u00e2nia situ\u00e2ndu-se astfel printre \u0163\u0103rile cu cele mai reduse grade de bancarizare din Uniunea European\u0103.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Astfel, gradele de bancarizare \u00een r\u00e2ndul \u021b\u0103rilor din regiune sunt: Bulgaria (72%), Slovenia (98%), Serbia (71%), Polonia (87%) \u0219i Cehia (81%). \u00cen Rom\u00e2nia, ponderea popula\u021biei nebancarizate se afl\u0103 la 42% \u00een compara\u021bie cu 9,08% media UE.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Accelerarea bancariz\u0103rii s-ar putea realiza prin introducerea distribuirii pl\u0103\u021bilor guvernamentale \u00een sistemul de pl\u0103\u021bi digitale. \u00cen Rom\u00e2nia, 30% dintre bugetari sunt pl\u0103ti\u021bi doar numerar, acesta fiind cel mai mare procent din regiune.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Rela\u021bia dintre educa\u021bia financiar\u0103 \u0219i incluziunea financiar\u0103 poate func\u021biona cu dublu sens: \u00een timp ce o mai bun\u0103 educa\u021bie financiar\u0103 poate conduce la cre\u0219terea incluziunii financiare, operarea unui cont sau utilizarea altor produse financiare poate, de asemenea, s\u0103 contribuie la \u00eembun\u0103t\u0103\u021birea abilit\u0103\u021bilor financiare ale consumatorilor.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Nevoia de educa\u0163ie financiar\u0103 la nivel na\u021bional este considerabil mare, dat fiind c\u0103 Rom\u00e2nia se pozi\u0163ioneaz\u0103 pe locuri coda\u015fe din punct de vedere al nivelului de educa\u021bie financiar\u0103 \u00een UE, dar \u0219i la nivel mondial, fiind clasat\u0103 pe locul 123 din 143 de \u0163\u0103ri. Un lucru \u00eembucur\u0103tor este c\u0103 Strategia de dezvoltare a Rom\u00e2niei include tactici de atenuare a deficitului \u00een raport cu media european\u0103. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor are ca obiectiv strategic cre\u0219terea nivelului de educa\u021bie financiar\u0103 a cet\u0103\u021benilor, acesta fiind inclus \u0219i \u00een Strategia Na\u0163ional\u0103 pentru dezvoltarea durabil\u0103 a Rom\u00e2niei 2030 aprobat\u0103 de Guvern. Ne manifest\u0103m \u00eentreaga disponibilitate de colaborare \u00een vederea realiz\u0103rii acestui deziderat. Toate aceste demersuri au un scop comun, \u0219i anume, introducerea educa\u021biei financiare ca materie obligatorie \u00een \u0219coli.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Potrivit studiilor, doar 1 din 5 adul\u021bi are o \u00een\u021belegere a produselor financiare de baz\u0103, plas\u00e2nd Rom\u00e2nia pe ultimul loc \u00een Europa, cu o rat\u0103 a educa\u021biei financiare de 22%. Lipsa educa\u021biei financiare a popula\u021biei reprezint\u0103, la r\u00e2ndul s\u0103u, un obstacol \u00een calea cre\u0219terii credit\u0103rii, dar \u0219i a dezvolt\u0103rii economiei. Rom\u00e2nia are cel mai sc\u0103zut nivel de bun\u0103stare din Uniunea European\u0103, iar solu\u021bia este tratarea cauzelor care plaseaz\u0103 \u021bara noastr\u0103 pe aceast\u0103 pozi\u021bie. Rolul educa\u021biei financiare este esen\u021bial pentru cre\u0219terea bun\u0103st\u0103rii economice, acest aspect fiind eviden\u021biat prin decalajul economic.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">PIB\/cap de locuitor exprimat \u00een paritatea puterii de cump\u0103rare standard (PPS) a atins 63% din media UE \u00een 2017 \u00een Rom\u00e2nia fa\u021b\u0103 de 51% \u00een 2008, potrivit Eurostat. Nivelul este superior celui al Bulgariei (49%) \u0219i al Croa\u021biei (61%) \u015fi tinde s\u0103 se apropie de cel al Ungariei (68%) \u015fi al Poloniei (70%). PIB-ul pe cap de locuitor \u00een Rom\u00e2nia \u00een cifre absolute s-a situat la nivelul de 10.813 USD \u00een anul 2017, reprezent\u00e2nd o treime din media UE de 33.715 USD, potrivit datelor B\u0103ncii Mondiale.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Practic, Rom\u00e2nia se situeaz\u0103 pe ultimele locuri \u00een Uniunea European\u0103 \u00een materie de bun\u0103stare economic\u0103. La polul opus, Luxemburg are un PIB pe cap de locuitor de aproape 10 ori mai mare dec\u00e2t Rom\u00e2nia, iar Ungaria cu aproximativ 31% mai mare.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Rom\u00e2nia trebuie s\u0103-\u0219i caden\u021beze pa\u0219ii pentru atingerea obiectivelor Strategiei Europa 2020. Strategia Europa 2020 propune trei priorit\u0103\u021bi pentru cre\u0219tere inteligent\u0103, durabil\u0103 \u0219i favorabil\u0103 incluziunii \u00een Europa. Pentru atingerea \u021bintelor au fost stabilite cinci obiective la nivelul UE care au fost transpuse \u00een obiective na\u021bionale, inclusiv \u00een Rom\u00e2nia, dintre care trei implic\u0103 cre\u0219terea nivelului de educatie, de cunoa\u0219tere.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Monitorul educa\u021biei \u0219i form\u0103rii, un instrument al Comisiei Europene, relev\u0103 un fapt cunoscut deja publicului: exist\u0103 un decalaj \u00een Romania ce trebuie recuperat pentru anumi\u021bi indicatori cheie.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">La nivelul Uniunii Europene exist\u0103 un cadru strategic pentru cooperarea european\u0103 \u00een domeniul educa\u021biei \u0219i form\u0103rii profesionale, \u00een baza c\u0103ruia s-a convenit asupra a cinci criterii de referin\u021b\u0103 care trebuie atinse de statele membre p\u00e2n\u0103 \u00een 2020.<\/span><\/p><ul><li><span style=\"font-size: 10pt;\"><strong>Primul obiectiv este ca, \u00een medie, cel pu\u021bin 15% dintre adul\u021bi s\u0103 participe la programele de \u00eenv\u0103\u021bare de-a lungul vie\u021bii, p\u00e2n\u0103 \u00een 2020.<\/strong><br \/><\/span><\/li><\/ul><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Propor\u021bia adul\u021bilor care ar trebui s\u0103 participe la programele de \u00eenv\u0103\u021bare de-a lungul vie\u021bii este de 1,1% \u00een Romania versus 10,9% media UE \u00een anul 2017.<br \/><\/span><\/p><ul><li style=\"text-align: justify;\"><span style=\"font-size: 10pt;\"><strong>Al doilea criteriu de referin\u021b\u0103 men\u021bioneaz\u0103 ca p\u00e2n\u0103 \u00een 2020, procentul persoanelor cu v\u00e2rsta de 15 ani cu competen\u021be sc\u0103zute de citire, matematic\u0103 \u0219i \u0219tiin\u021be exacte ar trebui s\u0103 fie mai mic de 15%.<\/strong><br \/><\/span><\/li><\/ul><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Propor\u021bia persoanelor cu v\u00e2rsta de 15 ani cu competen\u021be sc\u0103zute de citire se situeaz\u0103 la 38,7%, cu competen\u021be sc\u0103zute la matematic\u0103 la 39,9% \u0219i cu competen\u021be sc\u0103zute la \u0219tiin\u021bele exacte la 38,5%. Media UE este sub 22,2% la toate cele trei competen\u021be (Monitorul educa\u021biei \u0219i form\u0103rii \u2013 2017)<br \/><\/span><\/p><ul><li style=\"text-align: justify;\"><span style=\"font-size: 10pt;\"><strong>Criteriul num\u0103rul trei men\u021bioneaz\u0103 c\u0103 propor\u021bia persoanelor de 30-34 de ani care frecventeaz\u0103 \u00eenv\u0103\u021b\u0103m\u00e2ntul ter\u021biar ar trebui s\u0103 fie de cel pu\u021bin 40%, p\u00e2n\u0103 \u00een anul 2020.<br \/><\/strong><\/span><\/li><\/ul><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Ponderea absolven\u021bilor de studii superioare era de 26,3% \u00een Rom\u00e2nia, fa\u021b\u0103 de o medie european\u0103 de 39,9% \u00een 2017.<br \/><\/span><\/p><ul><li style=\"text-align: justify;\"><span style=\"font-size: 10pt;\"><strong>P\u00e2n\u0103 \u00een 2020, propor\u021bia abandonului \u0219colar timpuriu din sistemele de educa\u021bie \u0219i formare ar trebui s\u0103 fie sub 10%.<br \/><\/strong><\/span><\/li><\/ul><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">P\u0103r\u0103sirea \u0219colar\u0103 timpurie din sistemele de educatie \u0219i formare ocup\u0103 o pondere dubl\u0103 fa\u021b\u0103 de media european\u0103, fiind de 18,1% \u00een Rom\u00e2nia fa\u021b\u0103 de 10,6% media UE \u00een anul 2017.<br \/><\/span><\/p><ul><li style=\"text-align: justify;\"><span style=\"font-size: 10pt;\"><strong>Cel pu\u021bin 95% dintre copiii cu v\u00e2rsta cuprins\u0103 \u00eentre 4 ani \u0219i v\u00e2rsta pentru \u00eenscrierea obligatorie la \u0219coala primar\u0103 ar trebui s\u0103 beneficieze de educa\u021bie pre\u0219colar\u0103.<br \/><\/strong><\/span><\/li><\/ul><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Proportia celor inclu\u0219i era de 88,2% \u2013 Romania versus 95,3% media UE \u00een anul 2017.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor joac\u0103 un rol activ \u00een promovarea educa\u021biei financiare pentru sus\u021binerea economiei \u0219i facilitarea accesului popula\u021biei la servicii financiare adaptate propriilor nevoi. \u00cen acest sens, ARB al\u0103turi de to\u021bi stakeholderii industriei financiare \u0219i-au asumat leadershipul comun al unui proiect mobilizator \u00een interesul rom\u00e2nilor prin ini\u021biativa public \u2013 privat\u0103 Platforma de Educa\u021bie Financiar\u0103. \u00cen premier\u0103 pentru industria financiar\u0103 din Rom\u00e2nia \u00een materie de proiecte educa\u021bionale comune \u00een beneficiul consumatorilor, membrii Platformei de Educa\u0163ie Financiar\u0103 au lansat, \u00een luna martie 2018, Manualul practic pentru utilizatorul de servicii financiare.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">\u00cen luna iulie 2018, Ministerul Educa\u021biei Na\u021bionale, Banca Na\u021bional\u0103 a Rom\u00e2niei, Ministerul Finan\u021belor Publice, Autoritatea de Supraveghere Financiar\u0103 \u0219i Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor au \u00eencheiat un Acord de colaborare pentru realizarea de activit\u0103\u021bi comune \u00een domeniul educa\u021biei financiare \u0219i pentru elaborarea Strategiei Na\u021bionale de Educa\u021bie Financiar\u0103 (SNEF).<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Comunitatea bancar\u0103 din Rom\u00e2nia sprijin\u0103 societatea \u00een ansamblu \u00een mod direct, inclusiv prin cursuri de formare economico-financiar\u0103 a profesorilor, pentru a cre\u0219te \u015fansele de incluziune financiar\u0103 a tinerei genera\u0163ii.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">\u00cen Rom\u00e2nia, num\u0103rul persoanelor expuse riscului de s\u0103r\u0103cie sau de excluziune social\u0103 s-a redus semnificativ \u00een perioada 2008 \u2013 2017, cu 2 milioane persoane, conform datelor Eurostat. Cu toate acestea, procentul persoanelor expuse riscului s\u0103r\u0103ciei sau expuse la excluziune social\u0103 este de 35,7% din popula\u021bia Rom\u00e2niei, \u00een compara\u021bie cu 22,5% \u00een UE (2017), potrivit Eurostat. Un semnal de alarm\u0103 este dat de fenomenul emigra\u021biei. Emigra\u021bia a atins un nivel \u00eengrijor\u0103tor, ajung\u00e2nd la 15% din popula\u021bia \u021b\u0103rii, respectiv 25% din popula\u021bia activ\u0103.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Fenomenul emigra\u021biei \u0219i reducerea natalit\u0103\u021bii vor deveni o problem\u0103 mult mai pregnant\u0103 pe termen lung, at\u00e2t pentru pia\u021ba for\u021bei de munc\u0103, pentru plata pensiilor, c\u00e2t \u0219i un handicap \u00een dezvoltarea economic\u0103 a Rom\u00e2niei.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Sistemul bancar contribuie la bun\u0103starea consumatorului \u0219i dezvoltarea economiei prin cre\u0219terea incluziunii financiare, a intermedierii financiare, reducerea riscurilor \u0219i barierelor \u0219i consolidarea \u00eencrederii \u00een tranzac\u021biile \u0219i produsele bancare. Sistemul bancar poate fi un performer \u00een situa\u021bia unui cadru legislativ predictibil \u0219i similar cu cel din statele cu care ne compar\u0103m. Cunoa\u0219tem cu to\u021bii c\u0103 diferen\u021bele mari \u00een ceea ce prive\u0219te standardele de reglementare adoptate de statele membre contribuie la fragmentarea pie\u021bei unice, ceea ce afecteaz\u0103 libera circula\u021bie a capitalurilor \u0219i a serviciilor \u00een interiorul Uniunii Europene. Acestea conduc la o concuren\u021b\u0103 insuficient\u0103 \u0219i \u00eencetinesc dezvoltarea unei pie\u021be func\u021bionale a creditelor bancare. La nivel general, lipsa predictibilit\u0103\u021bii legislative poate avea consecin\u021be negative asupra mediului de afaceri \u0219i a investi\u021biilor.<br \/><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">Este necesar\u0103 cre\u0219terea credit\u0103rii \u00een condi\u021biile \u00een care Rom\u00e2nia \u00eenregistreaz\u0103 o serie de decalaje \u00een raport cu statele membre ale UE ceea ce fragmenteaz\u0103 eforturile de integrare \u0219i conduce la o serie de efecte adverse cum sunt reducerea avu\u021biei nete \u0219i ad\u00e2ncirea diferen\u021belor dintre clasele sociale, precum \u0219i cre\u0219terea migra\u021biei. Pentru aceasta este nevoie de dialog real \u0219i de ac\u021biuni concrete, iar industria bancar\u0103 este deschis\u0103.<br \/><\/span><\/p><p><span style=\"color: #ff0000; font-size: 10pt;\"><strong>Aceast\u0103 opinie este semnat\u0103 de Gabriela Folcu\u0163 \u2013 Director Executiv Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor \u015fi a fost publicat\u0103 \u00een cadrul edi\u0163iei lunii decembrie 2018 a Revistei BankingNews.<\/strong><\/span><\/p><p style=\"text-align: justify;\"><span style=\"font-size: 10pt;\">sursa: <a href=\"http:\/\/www.bankingnews.ro\/gabriela-folcut-arb.html\">http:\/\/www.bankingnews.ro\/gabriela-folcut-arb.html<\/a><\/span>]<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Revista BankingNews &#8211; decembrie 2018<\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-10628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ne dorim ca Rom\u00e2nia s\u0103 r\u0103m\u00e2n\u0103 la coada plutonului UE? 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