{"id":2250,"date":"2013-06-18T11:41:14","date_gmt":"2013-06-18T08:41:14","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2250"},"modified":"2024-01-20T14:13:07","modified_gmt":"2024-01-20T12:13:07","slug":"comunitatea-bancara-sprijina","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/comunitatea-bancara-sprijina\/","title":{"rendered":"Comunitatea bancar\u0103 sprijin\u0103 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2250\" class=\"elementor elementor-2250\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25d6e59a e-flex e-con-boxed e-con e-parent\" data-id=\"25d6e59a\" 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-560f247 elementor-widget elementor-widget-text-editor\" data-id=\"560f247\" 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<h3>Combaterea excluziunii financiare<\/h3><p><b>Gabriela Folcu\u0163, <\/b>Consilier Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor &#8211; <em>Pia\u021ba Financiar\u0103, iunie 2013<\/em><\/p><p style=\"text-align: justify;\">Comunitatea bancara sprijin\u0103 obiectivele de combatere a excluziunii financiare prin facilitarea accesului cet\u0103\u021benilor la \u00a0produsele si serviciile bancare, mai ales ca Rom\u00e2nia se afla printre tarile cu cel mai redus grad de bancarizare din Uniunea Europeana, de 57%. Aplicarea \u00eensa a unor masuri legislative la nivel european ar trebui sa aduc\u0103 valoare ad\u0103ugat\u0103, propunerile sa fie propor\u021bionate \u00een raport cu nevoile reale si sa tina cont de specificitatea pie\u021belor locale.<\/p><p style=\"text-align: justify;\">Comisia Europeana a lansat \u00een luna mai 2013 propunerea de directiva pentru uniformizarea practicilor la nivel European pe zona conturilor bancare care \u00eenglobeaz\u0103 accesul la un cont de pl\u0103\u021bi de baza, transparenta comisioanelor la contul curent si mobilitatea\u00a0 conturilor. Obiectivul acestui demers consta \u00een favorizarea accesului la un cont de pl\u0103\u021bi de baza pentru cre\u0219terea\u00a0 gradului de bancarizare \u00een special \u00een statele emergente, comparabilitatea comisioanelor la conturile bancare si o mobilitate sporita a conturilor curente. Trebuie sa ne asiguram ca propunerea actuala este \u00een conformitate cu principiul subsidiarit\u0103\u021bii, \u00a0adic\u0103 stabilirea nivelului de interven\u021bie cel mai potrivit \u00eentre Uniunea Europeana si statele membre.<\/p><p style=\"text-align: justify;\">Potrivit studiului intitulat \u201eSpecial Eurobarometer 373, Retail Financial Services\u2013 Report\u201d din martie 2012, ratele de acces la contul bancar sunt \u00eentre 67% si 100% \u00een 25 de state membre ale UE. Rom\u00e2nia si Bulgaria sunt \u00een mod special vizate de masurile care se au \u00een vedere privind accesul la un cont de pl\u0103\u021bi de baza, \u00een condi\u021biile \u00een care\u00a0 ratele de acces la un cont \u00a0bancar se \u00eencadreaz\u0103 \u00een afara\u00a0 valorilor \u00eenregistrate \u00een cele 25 de state. Aceasta situa\u021bie se \u00eenregistreaz\u0103 \u00een condi\u021biile \u00een care \u00een Rom\u00e2nia nu exista dificult\u0103\u021bi la deschiderea unui cont bancar si sunt respectate masurile legale privind combaterea sp\u0103l\u0103rii\u00a0 banilor. Ar trebui sa se tina cont de nevoia de accesare a produselor si serviciilor bancare \u00een func\u021bie de nivelul \u00a0veniturilor si de gradul de cunoa\u0219tere a acestora. Sunt alte motive pentru care o parte a popula\u021biei nu are nevoie de servicii \u00a0bancare, unul dintre acestea fiind venitul sc\u0103zut. C\u00e2\u0219tigul salarial mediu nominal net \u00een Rom\u00e2nia este de aproximativ 370 de euro, \u00een timp ce salariul minim pe economie tinde spre 180 de euro. Departe de salariile europenilor, la acest capitol Rom\u00e2nia \u00a0este plasata al\u0103turi de Bulgaria pe ultimele locuri ale clasamentului statelor din Uniunea Europeana.<\/p><p style=\"text-align: justify;\">La nivelul \u00eentregii popula\u021bii, produsele bancare sunt destul de pu\u021bin cunoscute \u00een Rom\u00e2nia. Gradul de cunoa\u0219tere a produselor, la nivelul \u00eentregii popula\u021bii, este asociat cu gradul de utilizare a acestora, dar nu toate produsele sunt cunoscute la fel de bine\u00a0 de c\u0103tre utilizatorii lor. Spre exemplu, \u00een cazul contului curent, 62% din popula\u021bie declara un grad de cunoa\u0219tere foarte sc\u0103zut, \u00a0potrivit studiului \u201eNivelul de educa\u021bie financiara al rom\u00e2nilor\u201c realizat de GFK Rom\u00e2nia \u00een 2011. Ar fi de dorit sa se cunoasc\u0103 si statistica celor care \u0219tiu sau nu ca \u00een spatele unui card de\u021binut se afla un cont curent deschis de banca.<\/p><p style=\"text-align: justify;\">Ar trebui privit distinct obiectivul de combatere\u00a0 a excluziunii de cel privind accesul transfrontalier. Directiva \u00een forma \u00a0propus\u0103 urm\u0103re\u0219te \u00een prezent doua obiective diferite de reglementare pentru a facilita accesul la conturi de pl\u0103\u021bi de baza pentru \u00a0consumatorii \u00a0nebancariza\u021bi la nivel na\u021bional si pentru a se asigura ca la nivel transfrontalier clien\u021bilor nu li se refuza accesul la servicii de plata. Consumatorii din Europa si-ar putea deschide un cont de pl\u0103\u021bi la orice prestator de servicii de plata din UE, \u00a0indiferent daca sunt sau nu reziden\u021bi ai tarii \u00een care \u00ee\u0219i are sediul prestatorul.<\/p><p style=\"text-align: justify;\">Propunerea de directiva promoveaz\u0103 un cont de pl\u0103\u021bi cu caracteristici de baza, care nu are tr\u0103s\u0103turile distinctive de orice alte conturi de pl\u0103\u021bi curente. Cerin\u021bele acestei prevederi ar putea impacta durabilitatea pentru produsele de pl\u0103\u021bi periodice si pot \u00a0duce la afectarea bazei existente de conturi de pl\u0103\u021bi curente, afect\u00e2nd implicit si profitabilitatea.<\/p><p style=\"text-align: justify;\">Ar trebui sa existe o distinc\u021bie \u00eentre conturi de pl\u0103\u021bi cu caracteristica de baza si conturi de pl\u0103\u021bi curente,\u00een ceea ce prive\u0219te func\u021bionalitatea. Totodat\u0103, propunerea de directiv\u0103 faciliteaz\u0103 procesul pe care \u00eel presupune transferarea conturilor bancare. Un consumator poate solicita transferul c\u0103tre un alt cont al ordinelor de plata, cum ar fi Transfer Credit sau Direct Debit \u00eenregistrate \u00eentr-un anumit cont. Prestatorii de servicii de plata trebuie sa efectueze toate\u00a0 demersurile necesare pentru \u00a0egalizarea transferului. Un serviciu de mobilitate a conturilor ar trebui sa se concentreze pe furnizarea unei solu\u021bii eficiente \u00a0in \u00a0interiorul unui stat membru la nivel na\u021bional, mai degrab\u0103 dec\u00e2t la nivelul UE. Aici intervin probleme practice de natura \u00a0juridica, de adaptare a sistemelor si, de ce nu, probleme de limba. Mobilitatea conturilor s-a realizat prin autoreglementare la \u00a0nivel na\u021bional. Regulile comune privind \u00a0mobilitatea conturilor curente \u00een lei ale persoanelor fizice definesc termenii, regulile si procedurile de furnizare a serviciilor privind mobilitatea contului curent. Acestea sunt \u00een conformitate cu reglement\u0103rile si practicile na\u021bionale \u00een\u00a0 domeniul pl\u0103\u021bilor si cu principiile comune privind mobilitatea conturilor emise de Comitetul European pentru Industria Bancara (EBIC).<\/p><p style=\"text-align: justify;\">Industria bancara r\u0103m\u00e2ne \u00a0angajata \u00een ceea ce prive\u0219te masurile de autoreglementare la nivel european. Comparabilitatea \u00a0comisioanelor la contul curent, prin uniformizarea denumirilor a cel pu\u021bin 20 dintre cele mai obi\u0219nuite servicii furnizate si \u00a0comisioanele percepute pentru fiecare dintre acestea, permite consumatorilor sa fac\u0103 alegeri \u00een cuno\u0219tin\u021b\u0103 de cauza. \u00censa, \u00a0realizarea unei terminologii standardizate va fi dificil de implementat,\u00a0 mai ales la nivel european, gener\u00e2nd remodelarea \u00a0ofertei actuale si put\u00e2nd afecta chiar si concurenta.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f77fbf8 elementor-widget elementor-widget-button\" data-id=\"f77fbf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/PF_iunie_2013.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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":"<h3>Combaterea excluziunii financiare<\/h3>\n<p>Gabriela Folcu\u0163, Consilier Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor  &#8211; <em>Pia\u021ba Financiar\u0103, iunie 2013<\/em><\/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":[68,69,70,71],"class_list":["post-2250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-combaterea-excluziunii-financiare","tag-comunitatea-bancara","tag-descarca","tag-gabriela-folcut"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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