{"id":2248107,"date":"2021-07-26T12:19:10","date_gmt":"2021-07-26T09:19:10","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2248107"},"modified":"2024-01-20T12:20:22","modified_gmt":"2024-01-20T10:20:22","slug":"elitele-economice-si-culturale-nu-sunt-suficient-promovate","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/elitele-economice-si-culturale-nu-sunt-suficient-promovate\/","title":{"rendered":"\u201eElitele economice \u015fi culturale nu sunt suficient promovate\u201d - only in romanian"},"content":{"rendered":"
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Interviu cu Gabriela Folcu\u021b, Director Executiv Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor<\/em><\/p>

\""Elitele<\/p>

Educa\u0163ia financiar\u0103 este foarte important\u0103 pentru dezvoltarea economic\u0103 a unei na\u0163iuni. \u0162ara noastr\u0103 se afl\u0103 la coada plutonului \u00eentre statele UE \u00een materie de incluziune financiar\u0103, intermediere financiar\u0103, nivelul educa\u0163iei financiare \u015fi, cu mici excep\u0163ii, ca nivel al bun\u0103st\u0103rii economice, dup\u0103 cum ne-a spus, \u00eentr-un interviu, Gabriela Folcu\u0163, Directorul Executiv al Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor (ARB). Domnia sa a avut amabilitatea s\u0103 ne vorbeasc\u0103 despre educa\u0163ia financiar\u0103 \u015fi beneficiile pe care le are \u00een societate, dar \u015fi despre multe alte chestiuni conexe.<\/em><\/p>

Reporter:<\/strong> Exist\u0103 o implicare a sistemului de \u00eenv\u0103\u0163\u0103m\u00e2nt \u00een educa\u0163ia financiar\u0103 a elevilor?<\/p>

Gabriela Folcu\u0163:<\/strong> Rom\u00e2nia se pozi\u0163ioneaz\u0103 \u00een r\u00e2ndul statelor europene frunta\u015fe \u00een ceea ce prive\u015fte sus\u0163inerea \u015fi introducerea educa\u0163iei financiare ca disciplin\u0103 obligatorie. \u00cencep\u00e2nd de anul trecut, educa\u0163ia financiar\u0103 a devenit materie obligatorie pentru elevii clasei a VIII-a, fiind cuprins\u0103 \u00een disciplina „Educa\u0163ie social\u0103”. Rom\u00e2nia, Cehia, Danemarca, Portugalia \u015fi Suedia sunt c\u00e2teva dintre statele membre ale Uniunii Europene care au introdus educa\u0163ia financiar\u0103 ca disciplin\u0103 obligatorie, de sine st\u0103t\u0103toare sau prin intermediul altor materii. Important este cuv\u00e2n\u00adtul „obligatoriu” pentru c\u0103 este cel care va genera rezultate certe pe termen lung \u00een r\u00e2ndul genera\u0163iilor viitoare. La nivel european, sunt aproximativ 20 de state care au efectuat aceste demersuri privind obligativitatea acestei discipline, ca tem\u0103 principal\u0103 sau ca subtem\u0103. De asemenea, to\u0163i elevii din \u00eenv\u0103\u0163\u0103m\u00e2ntul preuniversitar din Rom\u00e2nia pot beneficia de cursuri op\u0163ionale de educa\u0163ie financiar\u0103. \u015ei pe aceast\u0103 latur\u0103 s-a \u00eenregistrat o efervescen\u0163\u0103 de proiecte \u00een ultimii ani.<\/p>

Reporter:<\/strong> Care considera\u0163i c\u0103 sunt cele mai mari lipsuri cu care se confrunt\u0103 sistemul de \u00eenv\u0103\u0163\u0103m\u00e2nt din punct de vedere al educa\u0163iei financiare?<\/p>

Gabriela Folcu\u0163:<\/strong> Din perspectiva lipsurilor, consider c\u0103 am dep\u0103\u015fit deja faza de problem\u0103 \u015fi acum se dis\u00adcut\u0103 \u00een termeni de solu\u0163ie. Formarea profesorilor a fost \u00een trecut o problem\u0103, \u00eens\u0103, \u00een prezent, sunt cursuri dedicate. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor a demarat, \u00eenc\u0103 din anul 2018, cursuri gratuite de formare a profesorilor. Anul acesta, Banca Na\u0163ional\u0103 a Rom\u00e2niei, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, Institutul Bancar Rom\u00e2n, Autoritatea de Supraveghere Financiar\u0103 \u015fi Institutul de Studii Financiare au ob\u0163inut acreditarea, de c\u0103tre Ministerul Educa\u0163iei \u015fi Cercet\u0103rii, a singurului curs integral „Educa\u0163ie eco\u00adnomico-financiar\u0103 pentru profesori”. Personalul didactic din \u00eenv\u0103\u0163\u0103m\u00e2ntul gimnazial care pred\u0103 disciplina „Educa\u0163ie social\u0103” elevilor de clasa a VIII-a poate urma gratuit acest curs, iar \u00eenscrierile se efectueaz\u0103 la Institutul Bancar Rom\u00e2n. Formatorii cadrelor didactice sunt profesori de economie. Cursul are o durat\u0103 de 40 de ore, iar profesorii vor ob\u0163ine 10 credite profesionale trans\u00adferabile.<\/p>

Reporter:<\/strong> Ce considera\u0163i c\u0103 lipse\u015fte \u00een acest moment sistemului educa\u0163ional \u00een general \u015fi ce ne trebuie pentru o \u00eembun\u0103t\u0103\u0163ire a procesului de educa\u0163ie?<\/p>

Gabriela Folcu\u0163:<\/strong> Consider c\u0103 societ\u0103\u0163ii rom\u00e2ne\u015fti \u00eei lipsesc ca modele elitele economice \u015fi culturale, nu \u00een sensul c\u0103 nu exist\u0103, ci c\u0103 sunt insuficient promovate. Acest aspect a creat o mare vulnerabilitate \u00een sistemul educa\u0163ional de ast\u0103zi, mul\u0163i prefer\u00e2nd alte modele. Nu este o situa\u0163ie specific\u0103 doar Rom\u00e2niei. Elitele trebuie s\u0103 aib\u0103 un rol mult mai important \u00een educa\u0163ia unei na\u0163iuni, chiar \u00een procesul transforma\u0163ional la noua modernitate. Travers\u0103m o alt\u0103 realitate social\u0103 comparativ cu acum dou\u0103 decenii, \u00een care libertatea de exprimare este intens utilizat\u0103 \u00een special \u00een social media. \u00centrebarea care se ridic\u0103 este dac\u0103 libertatea de informare este corespunz\u0103tor calibrat\u0103 astfel \u00eenc\u00e2t s\u0103 conduc\u0103 la dezvoltarea persoanei, dac\u0103 modelele sunt elitele sau nu? Absen\u0163a mentorilor, care s\u0103 conduc\u0103 la dezvoltarea educa\u0163ional\u0103 adecvat\u0103 a persoanei, poate avea ca \u015fi consecin\u0163e cre\u015fterea gradului de pauperizare. \u00cen Rom\u00e2nia, aproape o persoan\u0103 din patru este la limita s\u0103r\u0103ciei. Rata riscului de s\u0103r\u0103cie era de 23,5% \u00een anul 2018, fiind cea mai ridicat\u0103 din UE27, unde media era de 16,8%. PIB\/capita \u00een Rom\u00e2nia, indicatorul care m\u0103soar\u0103 bun\u0103starea economic\u0103 individual\u0103, se cifreaz\u0103 la 8.780 euro, fiind de o treime din media UE-27, de 26.290 euro, la nivelul anului 2020, evident \u00een sc\u0103dere fa\u0163\u0103 de 2019, pe fondul contrac\u0163iei economiei \u00een contextul pandemiei.<\/p>

Alte probleme structurale sunt legate de bugetul alocat pentru \u00eenv\u0103\u0163\u0103m\u00e2nt \u015fi lipsa progreselor. Este \u00eengrijor\u0103tor acel indicator cuprins \u00een Monitorul educa\u0163iei \u015fi form\u0103rii 2019 care arat\u0103 c\u0103 peste 40% dintre elevii cu v\u00e2rsta de 15 ani nu au competen\u0163e adecvate la citire, matematic\u0103 \u015fi \u015ftiinte, \u00een condi\u0163iile \u00een care media european\u0103 este la jum\u0103tate, iar situa\u0163ia mai sus men\u0163ionat\u0103 este cam la ace\u00adla\u015fi nivel cu cea de acum un deceniu.<\/p>

Reporter:<\/strong> Ce programe educa\u0163ionale deruleaz\u0103 ARB, \u00een general \u015fi b\u0103ncile, \u00een particular \u015fi \u00een ce constau aceste programe?<\/p>

Gabriela Folcu\u0163:<\/strong> Asocia\u0163ia Rom\u00e2\u00adn\u0103 a B\u0103ncilor joac\u0103, al\u0103turi de b\u0103ncile membre, un rol activ \u00een promovarea educa\u0163iei financiare pentru sus\u0163inerea economiei \u015fi facilitarea accesului popula\u0163iei \u015fi companiilor la servicii financiare adaptate propriilor nevoi. ARB consider\u0103 c\u0103 educa\u0163ia financiar\u0103 trebuie s\u0103 devin\u0103 o prioritate la nivel na\u0163ional.<\/p>

La 14 ani de la integrarea \u00een Uniunea European\u0103, Rom\u00e2nia se eviden\u0163iaz\u0103 ca fiind statul european aflat la coada plutonului UE \u00een materie de incluziune financiar\u0103 (67%), intermediere financiar\u0103 (26,8%), nivelul educa\u0163iei financiare (22%) \u015fi, cu mici excep\u0163ii, ca nivel al bun\u0103st\u0103rii economice (69% din media UE). La nivel mondial, aproximativ un cet\u0103\u0163ean din trei este educat financiar, \u00een timp ce \u00een Europa 52% dintre adul\u0163i sunt educa\u0163i din punct de vedere financiar. \u00centre gradul de intermediere \u015fi incluziune financiar\u0103 \u015fi nivelul educa\u0163iei financiare exist\u0103 o legatur\u0103 intrinsec\u0103. \u00cen pandemie s-a constatat cre\u015fterea gradului de incluziune financiar\u0103. Doi din trei rom\u00e2ni (67%) utilizeaz\u0103 produse \u015fi servicii bancare de orice fel, arat\u0103 concluziile Studiului Digitalizarea sistemului bancar \u00een percep\u0163ia rom\u00e2nilor realizat de Institutul Rom\u00e2n pentru Evaluare \u015fi Strategie.<\/p>

Nivelul sc\u0103zut al incluziunii financiare are ca \u015fi cauzalitate un grad redus al educa\u0163iei financiare. Studiul OECD din anul 2020 pozi\u0163ioneaz\u0103 Rom\u00e2nia ca av\u00e2nd un scor redus la capitolul alfabetizare financiar\u0103. Scorul mediu de alfabetizare financiar\u0103 \u00een \u0163\u0103rile participante la studiul OECD este de doar 12,7 din 21 \u015fi 13 doar pentru \u0163\u0103rile membre OECD. Scorurile mai mici au fost ob\u0163inute de adul\u0163ii din Italia (11.1), Rom\u00e2nia (11.2) \u015fi Columbia (11.2).<\/p>

Un nivel sc\u0103zut de educa\u0163ie financiar\u0103 reprezint\u0103 una dintre principalele bariere \u00een dezvoltarea economic\u0103 a unei na\u0163iuni. \u00cembun\u0103t\u0103\u0163irea nivelului de educa\u0163ie financiar\u0103 conduce la cre\u015fterea bun\u0103st\u0103rii finan\u00adciare a oamenilor.<\/p>

\u00cen realizarea obiectivelor asociate pilonului strategic Educa\u0163ia Financiar\u0103, ARB are \u00een vedere consolidarea parteneriatului cu autorit\u0103\u0163ile responsabile \u015fi realizarea de programe de educa\u0163ie financiar\u0103, care au in\u00adclus\u0103 \u015fi componenta de educa\u0163ie digital\u0103.<\/p>

Ministerul Educa\u0163iei \u015fi Cercet\u0103rii, Banca Na\u0163ional\u0103 a Rom\u00e2niei, Minis\u00adterul Finan\u0163elor, Autoritatea de Supraveghere Financiar\u0103 \u015fi Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor au \u00eencheiat, \u00een anul 2018, un Acord de colaborare pentru realizarea de activit\u0103\u0163i comune \u00een domeniul educa\u0163iei financiare \u015fi elaborarea Strategiei Na\u0163ionale de Educa\u0163ie Financiar\u0103 (SNEF). Prin\u00adcipalele proiecte comune aflate \u00een derulare sunt:<\/p>

– Comitetul de Educa\u0163ie Financiar\u0103 elaboreaz\u0103 draftul Strategiei Na\u0163ionale de Educa\u0163ie Financiar\u0103, aces\u00adta urm\u00e2nd s\u0103 fie postat \u00een consultare public\u0103 pe parcursul acestui an, astfel \u00eenc\u00e2t to\u0163i stakeholderii s\u0103-\u015fi aduc\u0103 contribu\u0163ia.<\/p>

– BNR, ARB, ASF prin intermediul IBR au acreditat la Ministerul Educa\u0163iei \u015fi Cercet\u0103rii singurul curs integral de educa\u0163ie financiar\u0103 destinat profesorilor care predau disciplina obligatorie „Educa\u0163ie social\u0103” ele\u00advilor de clasa a VIII-a. Astfel, industria bancar\u0103 contribuie direct la formarea tinerei genera\u0163ii \u015fi la cre\u015f\u00adterea gradului de educa\u0163ie financiar\u0103. Ne a\u015ftept\u0103m ca anul acesta s\u0103 fie forma\u0163i 350 de profesori, cursul fiind acreditat pe o perioad\u0103 de patru ani.<\/p>

– ARB a realizat \u00een parteneriat cu institu\u0163iile publice (BNR, ASF, MF, MEC) site-ul Strategiei Na\u0163ionale de Educa\u0163ie Financiar\u0103 www.edu-fin.ro la care to\u0163i dezvoltatorii de proiecte \u00ee\u015fi pot promova la nivel na\u0163ional programele de educa\u0163ie \u00eentr-un mod integrat. Cele cinci institu\u0163ii partenere au invitat entit\u0103\u0163ile angrenate \u00een proiecte din domeniul educa\u0163iei financiare s\u0103 \u00ee\u015fi \u00eenscrie programele proprii, dezvoltate \u00eencep\u00e2nd cu anul 2018, pe platforma www.edu-fin.ro, la sec\u0163iunea Cartea Alb\u0103.<\/p>

– Autoritatea de Supraveghere Financiar\u0103, Banca Na\u0163ional\u0103 a Rom\u00e2\u00adniei, Ministerul Finan\u0163elor \u015fi Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor deruleaz\u0103 \u00een parteneriat programul FinClub, un program de educa\u0163ie financiar\u0103 destinat elevilor de liceu din clasele X-XII, pasiona\u0163i de pia\u0163a financiar\u0103.<\/p>

\u00cen paralel, programele proprii ale ARB de educa\u0163ie financiar\u0103 aferente anului \u00een curs includ, lista nefiind exhaustiv\u0103:<\/p>

– ARB a continuat Programul de Formare Continu\u0103 „Educa\u0163ie Financiar Bancar\u0103 pentru Profesori” fiind forma\u0163i deja 550 de profesori care predau educa\u0163ie financiar\u0103 elevilor din clasele I-XII. Cursul este primul program intensiv dedicat profesorilor din Rom\u00e2nia \u015fi urm\u0103re\u015fte aprofundarea sau \u00een\u0163elegerea conceptelor cheie \u00een ceea ce prive\u015fte func\u0163ionarea sistemului bancar pe care le disemineaz\u0103 elevilor \u00een cadrul orelor de dirigen\u0163ie, economie \u015fi educa\u0163ie financiar\u0103 \/antreprenorial\u0103.<\/p>

– ARB a devenit membru afiliat al Organiza\u0163iei pentru Cooperare \u015fi Dezvoltare Economic\u0103 – Re\u0163eaua Interna\u0163ional\u0103 de Educa\u0163ie Financiar\u0103. Acordarea de c\u0103tre OECD a statutului de membru afiliat \u00een cadrul Re\u0163elei Interna\u0163ionale de Educa\u0163ie Financiar\u0103 reprezint\u0103 o recunoa\u015ftere a demersurilor ARB pe zona programelor de educa\u0163ie financiar\u0103, \u00een linie cu scopul pe care ni l-am asumat ca organiza\u0163ie, acela de a sprijini economia Rom\u00e2\u00adniei \u015fi de cre\u015ftere a nivelului de educa\u0163ie financiar\u0103.<\/p>

– Platforma DreptulLaBanking, un proiect al b\u0103ncilor din Rom\u00e2nia, a realizat deja sezonul trei al show-ului on line de educa\u0163ie financiar\u0103 din Rom\u00e2nia, „La Taclale \u015fi parale”. Emisiunea on line, care este conceput\u0103 sub forma unui concurs de cuno\u015ftin\u0163e generale pe teme financiare, a fost lansat\u0103 anul trecut, iar gazda emisiunii este Cabral. De la debutul emisiunii „La Taclale \u015fi parale” \u015fi p\u00e2n\u0103 \u00een prezent, gradul de con\u015ftientizare a dep\u0103\u015fit 3 milioane de rom\u00e2ni care au citit mesajele privind organizarea acestui show, iar 1 milion de persoane au urm\u0103rit efectiv emisiunea. \u00cen semestrul doi din 2021 se vor desf\u0103\u015fura sezoanele 4 \u015fi 5 ale emisiunii, altfel c\u0103 invit\u0103m toate persoanele interesate s\u0103-\u015fi testeze cuno\u015ftin\u0163ele.<\/p>

– Peste 1.600 de elevi cu v\u00e2rsta \u00eentre 13-15 ani din 125 de \u015fcoli, licee \u015fi colegii de la nivel na\u0163ional au participat la edi\u0163ia a III-a a finalei na\u0163ionale a concursului European Money Quiz organizat\u0103 de Asocia\u0163ia Rom\u00e2\u00adn\u0103 a B\u0103ncilor, num\u0103rul participan\u0163ilor \u015fi cel al institu\u0163iilor de \u00eenv\u0103\u0163\u0103\u00adm\u00e2nt fiind duble comparativ cu anul trecut. Doi elevi de la Colegiul Tehnic „Emanuil Ungureanu” din Timi\u00ad\u015foara \u015fi \u015ecoala Gimnazial\u0103 „Avram Iancu” din Bucure\u015fti au reprezentat Rom\u00e2nia la finala european\u0103 a concursului de educa\u0163ie financiar\u0103 European Money Quiz care s-a desf\u0103\u015furat on-line la \u00een aprilie 2021 la care au participat 28 de state europene. European Money Quiz este o ini\u0163iativ\u0103 comun\u0103 de alfabetizare financiar\u0103 realizat\u0103 de asocia\u0163iile bancare din Europa, sub coordonarea Federa\u0163iei Bancare Europene (FBE). \u00cen Rom\u00e2nia, proiectul este im\u00adplemen\u00adtat de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103n\u00adcilor, \u00een calitate de membr\u0103 a FBE, printr-un parteneriat educa\u0163ional cu Institutul Bancar Rom\u00e2n.<\/p>

Toate aceste programe sunt dezvoltate de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor \u00een numele b\u0103ncilor membre. Multe dintre aceste proiecte pot fi reg\u0103site \u00een platforma www.edu-fin.ro, al\u0103turi de proiectele proprii de educa\u0163ie financiar\u0103 dezvoltate de c\u0103tre institu\u0163iile de credit.<\/p>

Reporter:<\/strong> Ce propuneri are ARB c\u0103tre autorit\u0103\u0163i pentru ca \u00een \u015fcoli s\u0103 existe \u015fi cursuri de educa\u0163ie financiara pe scar\u0103 larg\u0103?<\/p>

Gabriela Folcu\u0163:<\/strong> Un parteneriat public-privat optim, care este un model de impact, presupune implicarea tuturor p\u0103r\u0163ilor. Astfel, propunerile de \u00eembun\u0103t\u0103\u0163ire pot veni de la oricare dintre parteneri \u015fi, cel pu\u0163in \u00een ceea ce ne prive\u015fte, ne propunem cre\u015fterea implic\u0103rii prin formarea unui num\u0103r c\u00e2t mai mare de cadre didactice pentru a putea preda elevilor din clasele I-XII \u00een cadrul orelor op\u0163ionale. Este necesar un efort conjugat public-privat, iar sistemul bancar dore\u015fte s\u0103 contribuie la cre\u015fterea nivelului de educa\u0163ie financiar\u0103. O solu\u0163ie pentru o mai bun\u0103 integrare financiar\u0103 este \u015fi implementarea unui program european de cre\u015ftere a nivelului de educa\u0163ie financiar\u0103. Astfel, piatra de temelie a acestei armoniz\u0103ri ar trebui s\u0103 fie introducerea \u00een curricula \u015fcolar\u0103 obligatorie a educa\u0163iei financiare pentru to\u0163i cet\u0103\u0163enii Uniunii Europene. Cu c\u00e2t unele economii din UE sunt mai afectate din punct de vedere al nivelului sc\u0103zut al educa\u0163iei financiare, marea familie european\u0103 are mai multe consecin\u0163e negative de anihilat: nivelul crescut al s\u0103r\u0103ciei \u015fi al excluziunii sociale, fenomenul migra\u0163iei, etc. Iar Rom\u00e2nia se confrunt\u0103 din plin cu aceste fenomene.<\/p>

Reporter:<\/strong> Cum sunt primite de p\u0103rin\u0163i \u015fi elevi aceste tipuri de programe, acolo unde exist\u0103? Care sunt avantajele urm\u0103rii unui astfel de curs?<\/p>

Gabriela Folcu\u0163:<\/strong> Am constatat o receptivitate sporit\u0103 la programele de educa\u0163ie financiar\u0103, ceea ce ne \u00eencurajeaz\u0103 \u00een demersurile noastre. Avantajele unui consumator educat prin intermediul unui curs de specialitate sunt incomensurabile, cele mai importante fiind cre\u015fterea bun\u0103st\u0103rii financiare individuale, cu toate consecin\u0163ele directe \u015fi indirecte inclusiv prin suplimentarea fondurilor pentru perioada de pensie, \u015fi a rezilien\u0163ei \u00een fa\u0163a unor factori de risc exogeni, de tipul unei crize economice.<\/p>

Reporter:<\/strong> Ce nu \u015ftiu clien\u0163ii \u015fi ce ar trebui s\u0103 \u015ftie ace\u015ftia c\u00e2nd se adreseaz\u0103 unei banci pentru accesarea unui produs financiar?<\/p>

Gabriela Folcu\u0163:<\/strong> Genera\u0163iile actuale beneficiaz\u0103 de un acces facil la produsele financiare \u015fi la informa\u0163iile necesare. Cu c\u00e2t sunt mai instrui\u0163i \u00een utilizarea produselor \u015fi serviciilor, cu at\u00e2t cre\u015fte rezilien\u0163a \u015fi contribuie la bun\u0103starea oamenilor. Crizele economice au testat rezilien\u0163a financiar\u0103 a oamenilor \u015fi a companiilor. Acestea ar trebui s\u0103 reprezinte un imbold pentru noi to\u0163i s\u0103 ne contur\u0103m un bagaj suficient de amplu de informa\u0163ii pe care s\u0103-l punem \u00een practic\u0103 astfel \u00eenc\u00e2t o criz\u0103 viitoare s\u0103 nu ne surprind\u0103 nepreg\u0103ti\u0163i. Studiile la nivel global arat\u0103 c\u0103 foarte pu\u0163ini clien\u0163i pot face fa\u0163\u0103 unor situa\u0163ii financiare neprev\u0103zute. Bagajul de cuno\u015ftin\u0163e financiare la nivelul clien\u0163ilor este eterogen, \u00een func\u0163ie de factorii ce \u0163in de formare, de gradul de con\u015ftientizare \u015fi de tipurile de produse utilizate. Clien\u0163ii care doresc s\u0103-\u015fi rafineze informa\u0163iile de natur\u0103 financiar-bancar\u0103 pot accesa site-ul www.educatiefinanciara.info pus la dispozi\u0163ie de comunitatea bancar\u0103. Cuno\u015ftin\u0163ele financiare sunt ex\u00adtrem de necesare mai ales \u00een contextul cre\u015fterii complexit\u0103\u0163ii produselor financiare.<\/p>

Reporter:<\/strong> V\u0103 mul\u0163umim!<\/p>

Sursa: https:\/\/www.bursa.ro\/supliment-educatia-virusul-trimis-la-colt-elitele-economice-si-culturale-nu-sunt-suficient-promovate-49268342<\/a><\/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":"

Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA \u2013 26 iulie 2021<\/p>","protected":false},"author":3,"featured_media":2646459,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2248107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\n"Elitele economice \u015fi culturale nu sunt suficient promovate" - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\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.arb.ro\/en\/elitele-economice-si-culturale-nu-sunt-suficient-promovate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\""Elitele economice \u015fi culturale nu sunt suficient promovate" - 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