{"id":2484708,"date":"2021-11-02T15:35:55","date_gmt":"2021-11-02T13:35:55","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2484708"},"modified":"2024-01-20T12:18:20","modified_gmt":"2024-01-20T10:18:20","slug":"arb-talks-gabriela-folcut-arb-daca-nu-facem-educatie-financiara-vom-avea-un-nivel-crescut-al-riscului-de-saracie","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-talks-gabriela-folcut-arb-daca-nu-facem-educatie-financiara-vom-avea-un-nivel-crescut-al-riscului-de-saracie\/","title":{"rendered":"ARB Talks: Gabriela Folcu\u021b, ARB \u2013 Dac\u0103 nu facem educa\u021bie financiar\u0103, vom avea un nivel crescut al riscului de s\u0103r\u0103cie - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2484708\" class=\"elementor elementor-2484708\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe2d533 e-flex e-con-boxed e-con e-parent\" data-id=\"fe2d533\" 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-610c04b2 elementor-widget elementor-widget-text-editor\" data-id=\"610c04b2\" 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 style=\"text-align: justify;\"><strong>Educa\u021bia financiar\u0103 \u00eenc\u0103 este un subiect delicat pentru multe persoane care nu o consider\u0103 ca f\u0103c\u00e2nd parte din educa\u021bia general\u0103. Speciali\u0219tii, \u00eens\u0103, sunt de p\u0103rere c\u0103 educa\u021bia financiar\u0103 ajut\u0103 la cre\u0219terea bun\u0103st\u0103rii economice individuale \u0219i la dezvoltarea economiei. \u00centr-un interviu acordat <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-25151011-video-interviu-gabriela-folcut-arb-daca-nu-facem-educatie-financiara-vom-avea-nivel-crescut-riscului-saracie-gradul-educatie-financiara-romania-22.htm\">HotNews.ro<\/a>, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, vorbe\u0219te despre importan\u021ba educa\u021biei financiare, c\u00e2nd ar trebui s\u0103 \u00eenceap\u0103 \u0219i cine este responsabil, dar \u0219i despre gradul sc\u0103zut de intermediere \u0219i incluziune financiar\u0103 \u00een Rom\u00e2nia, cauze \u0219i solu\u021bii.<\/strong><\/p><p style=\"text-align: justify;\">Pe scurt:<\/p><p style=\"text-align: justify;\"><strong>Despre Educa\u021bia financiar\u0103 \u00een Rom\u00e2nia \u0219i \u00een \u0219coli: <\/strong><\/p><p style=\"text-align: justify;\">Gabriela Folcu\u021b:<\/p><p style=\"text-align: justify;\">Gradul de educa\u021bie financiar\u0103 este de 22% \u00een Rom\u00e2nia, fa\u021b\u0103 de un nivel de 52% \u00een Uniunea European\u0103. La nivel mondial, un ce\u021b\u0103\u021bean din trei este educat financiar.<\/p><p style=\"text-align: justify;\">No\u021biunile de baz\u0103 de educa\u021bie financiar\u0103 ar trebui introduse de la clasa zero. \u00cen primul r\u00e2nd, copii ar trebui s\u0103 \u00een\u021beleag\u0103 cum se c\u00e2\u0219tig\u0103 banii, care sunt ra\u021bionamentele, cum se poate economisi \u00een timp, care sunt avantajele economisirii \u0219i, treptat, trebuie introduse aceste concepte financiare.<\/p><p style=\"text-align: justify;\">Vorbim de un buget personal \u0219i consider c\u0103 \u00eenc\u0103 din \u0219coal\u0103, din ciclul gimnazial ar trebui s\u0103 \u00een\u021beleag\u0103 toate aceste lucruri, ulterior put\u00e2nd fi introduse \u0219i concepte legate de utilizarea unui card, de contractarea unui credit \u0219i tot ce \u00eenseamn\u0103 produse mai complexe \u00een zona aceasta.<\/p><p style=\"text-align: justify;\">\u2028Rom\u00e2nia se pozi\u021bioneaz\u0103 \u00een r\u00e2ndul statelor europene frunta\u0219e \u00een ceea ce prive\u0219te sus\u021binerea si introducerea educa\u021biei financiare ca disciplin\u0103 obligatorie. \u00cencep\u00e2nd de anul trecut, educa\u021bia financiar\u0103 a devenit materie obligatorie pentru elevii clasei a VIII-a, fiind cuprins\u0103 \u00een disciplina \u201eEduca\u021bie social\u0103&#8221;. Elevii afl\u0103 ce este produc\u0103torul, ce este consumatorul, ce drepturi \u0219i obliga\u021bii au, cum s\u0103 utilizeze un produs bancar, spre exemplu, cardul, cum s\u0103 economiseasc\u0103 \u0219i care sunt beneficiile privind creditarea.<\/p><p style=\"text-align: justify;\">To\u021bi cei care vor s\u0103 afle informa\u021bii pertinente despre toate elementele de educa\u021bie financiar\u0103 pot s\u0103 acceseze site-ul <a href=\"https:\/\/www.educatiefinanciara.info\/\">educatiefinanciara.info<\/a>.<\/p><p style=\"text-align: justify;\">Din p\u0103cate, Rom\u00e2nia se pozi\u021bioneaz\u0103 pe locul 123 din 143 de \u021b\u0103ri care au fost cuprinse \u00een studiu. Asta \u00eenseamn\u0103 o nevoie foarte ampl\u0103 pe aceast\u0103 latur\u0103 a educa\u021biei financiare. Un studiu recent al OECD m\u0103sura scorul de alfabetizare \u00een anul 2020. Avem \u00een Rom\u00e2nia un scor de alfabetizare sc\u0103zut, de 11,2, dup\u0103 Italia care are un scor de alfabetizare de 11,1, asta \u00een condi\u021biile \u00een care nivelul optim de alfabetizare ar trebui s\u0103 fie de 21.<\/p><p style=\"text-align: justify;\"><strong>Despre gradul de intermediere financiar\u0103 \u0219i incluziunea financiar\u0103<\/strong><\/p><p style=\"text-align: justify;\">Gabriela Folcu\u021b:<\/p><p style=\"text-align: justify;\">La 14 ani de la integrarea \u00een Uniunea European\u0103, Rom\u00e2nia, \u0219i din cauza unui nivel sc\u0103zut de educa\u021bie financiar\u0103, are \u0219i un grad sc\u0103zut al intermedierii financiare, de doar 26,8%, fa\u021b\u0103 de o medie european\u0103 de 92%. De asemenea, Rom\u00e2nia are un nivel destul de redus al incluziunii financiare, de 67% m\u0103surat \u00een anul 2020, fa\u021b\u0103 de o medie european\u0103 de 95%. Exist\u0103 o corela\u021bie direct\u0103 \u00eentre nivelul de intermediere financiar\u0103 \u0219i cel al incluziunii financiare \u0219i gradul de educa\u021bie financiar\u0103. Cu c\u00e2t gradul de educa\u021bie financiar\u0103 este mai sc\u0103zut, \u0219i aceste aspecte vor fi afectate: gradul de intermediere financiar\u0103, m\u0103surat ca pondere a creditului neguvernamental \u00een PIB \u0219i din perpectiva de\u021binerii unui produs bancar.<\/p><p style=\"text-align: justify;\">Un nivel sc\u0103zut de educa\u021bie financiar\u0103 conduce la pauperizare, la un nivel foarte crescut al riscului de s\u0103r\u0103cie \u0219i datele sunt din p\u0103cate corelate \u00een sensul \u00een care \u00een Rom\u00e2nia, un cet\u0103\u021bean din trei este expus acestui un risc de s\u0103r\u0103cie \u0219i excluziune social\u0103. Acest risc de s\u0103r\u0103cie este estimat la 31,2%, fa\u021b\u0103 de o medie european\u0103 de 21%. Suntem pe locul 2 \u00een acest clasament dup\u0103 Bulgaria care are undeva la 32,5%.<\/p><p style=\"text-align: justify;\">Cu c\u00e2t nivelul de educa\u021bie financiar\u0103 al cet\u0103\u021benilor este mai redus, cu at\u00e2t nivelul de dezvoltare economic\u0103 a acelei \u021b\u0103ri va fi diminuat.<\/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, Interviu video HotNews \u2013 2 noiembrie 2021<\/p>","protected":false},"author":3,"featured_media":2485159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2484708","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 - 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