{"id":2578186,"date":"2021-11-29T13:18:14","date_gmt":"2021-11-29T11:18:14","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2578186"},"modified":"2024-01-20T12:15:42","modified_gmt":"2024-01-20T10:15:42","slug":"arb-talks-daniel-nicolaescu-arb-pe-de-o-parte-anumite-lucruri-trebuie-explicate-mai-clar-pe-de-alta-parte-ne-dorim-contracte-mai-scurte-echilibrul-este-greu-de-realizat","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-talks-daniel-nicolaescu-arb-pe-de-o-parte-anumite-lucruri-trebuie-explicate-mai-clar-pe-de-alta-parte-ne-dorim-contracte-mai-scurte-echilibrul-este-greu-de-realizat\/","title":{"rendered":"ARB Talks: Daniel Nicolaescu, ARB \u2013 pe de o parte, anumite lucruri trebuie explicate mai clar, pe de alt\u0103 parte, ne dorim contracte mai scurte. Echilibrul este greu de realizat - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2578186\" class=\"elementor elementor-2578186\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61d09deb e-flex e-con-boxed e-con e-parent\" data-id=\"61d09deb\" 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-4c6e29aa elementor-widget elementor-widget-text-editor\" data-id=\"4c6e29aa\" 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>Contractele cu b\u0103ncile nu au fost mereu o lectur\u0103 pl\u0103cut\u0103 \u00eens\u0103 sunt o lectur\u0103 necesar\u0103 atunci c\u00e2nd dore\u0219ti s\u0103 beneficiezi de anumite produse. Daniel Nicolaescu, Pre\u0219edintele Comisiei Juridice a Asocia\u021biei Rom\u00e2ne a B\u0103ncilor explic\u0103 \u00eentr-un interviu acordat <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-25211921-video-interviu-daniel-nicolaescu-arb-parte-anumite-lucruri-trebuie-explicate-mai-clar-alta-parte-dorim-contracte-mai-scurte-echilibrul-este-greu-realizat.htm\">hotnews.ro<\/a> de ce pun b\u0103ncile at\u00e2t de multe \u00eentreb\u0103ri clien\u021bilor lor, de ce contractele bancare sunt stufoase \u0219i ce s-a \u00eent\u00e2mplat cu acele clauze contractuale complicat de \u00een\u021beles de persoanele obi\u0219nuite. <\/strong><\/p><p style=\"text-align: justify;\"><strong>Procedura Know Your Client &#8211; de ce pune banca at\u00e2t de multe \u00eentreb\u0103ri clien\u021bilor? <\/strong><\/p><p style=\"text-align: justify;\">Daniel Nicolaescu:<\/p><p style=\"text-align: justify;\">Procedura, dincolo de faptul c\u0103 este obligatorie, (este prev\u0103zut\u0103 de lege), nu este doar o inven\u021bie a noastr\u0103, a Rom\u00e2niei. Exist\u0103 o directiv\u0103 european\u0103 \u0219i exist\u0103 reglement\u0103ri \u0219i pe plan interna\u021bional. Aceste aspecte care \u021bin de identificarea clien\u021bilor sunt extrem de importante pentru c\u0103 ele permit b\u0103ncilor s\u0103 deceleze acele tranzac\u021bii care sunt suspecte de a \u00eencalc\u0103 \u00eentr-un fel legea, iar partea de cunoa\u0219terea clientului este foarte important\u0103 pentru c\u0103 este un prim pas \u00een a stabili dac\u0103 o anumit\u0103 opera\u021biune este sau nu este legal\u0103 sau treze\u0219te suspiciuni legate de legalitatea ei.<\/p><p style=\"text-align: justify;\">Provenien\u021ba fondurilor este unul din elementele care trebuie precizate atunci c\u00e2nd se face identificarea unui client. De asemenea, un alt criteriu dintre cele care sunt mereu avute \u00een vedere de c\u0103tre b\u0103nci \u00een aprecierea anumitor tranzac\u021bii este acela al caracterului mai pu\u021bin obi\u0219nuit (care poate iese din normal), al modului \u00een care este folosit contul. Dac\u0103 o persoan\u0103 are un cont deschis \u00een care timp de un an doi, trei, au intrat doar sume foarte mici \u0219i au ie\u0219it doar sume foarte mici, o tranzac\u021bie ne- caracteristic\u0103 ce implic\u0103 un transfer foarte mare, poate s\u0103 nasc\u0103 anumite suspiciuni.<\/p><p style=\"text-align: justify;\">Banca ar trebui s\u0103 se uite la acea tranzac\u021bie, s\u0103 decid\u0103 dac\u0103 o raporteaz\u0103 sau nu, dar asta nu \u00eenseamn\u0103 c\u0103 i se lipe\u0219te neap\u0103rat o etichet\u0103 acelui client din cauza unei tranzac\u021bii.<\/p><p style=\"text-align: justify;\">Raportarea unei tranzac\u021bii nu are un impact pentru client sau nu \u00een mod necesar. Nu \u00eenseamn\u0103 c\u0103 din acel moment i se blocheaz\u0103 accesul clientului sau i se lipe\u0219te o etichet\u0103. Doar atunci c\u00e2nd se fac numeroase raport\u0103ri \u00een leg\u0103tur\u0103 cu un cont sau cu activit\u0103\u021bile unui client, aceasta poate s\u0103 duc\u0103 la cre\u0219terea gradului de risc \u0219i banca s\u0103 reconsidere sau s\u0103 considere oportunitatea continu\u0103rii rela\u021biei de afaceri cu acel client.<\/p><p style=\"text-align: justify;\"><strong>Contractele cu banca &#8211; stufoase, paragrafe scrise cu litere mici, clauze complicate?<\/strong><\/p><p style=\"text-align: justify;\">Daniel Nicolaescu:<\/p><p style=\"text-align: justify;\">\u00cen opinia mea nu se poate spune c\u0103 b\u0103ncile au folosit paragrafe scrise cu litere mici prin care s\u0103 ascund\u0103 anumite lucruri. Dimpotriv\u0103, erau anumite paragrafe scrise cu litere mai mari pentru c\u0103 aveam o lege cu privire la garan\u021biile imobiliare care impunea ca anumite paragrafe s\u0103 fie scrise cu litere mari tocmai pentru a fi v\u0103zute.<\/p><p style=\"text-align: justify;\">Desigur au existat discu\u021bii despre c\u00e2t de complicate sau nu erau anumite clauze \u0219i c\u00e2t de bine erau descrise anumite elemente astfel \u00eenc\u00e2t clien\u021bii s\u0103 le poat\u0103 \u00een\u021belege. Aici lucrurile s-au schimbat \u0219i am avut mai mul\u021bi factori care au dus la aceast\u0103 schimbare. Au fost modific\u0103ri legislative, (sunt acum obliga\u021bii pe care b\u0103ncile trebuie s\u0103 le respecte cu privire la ce numim clauze abusive), deci au fost reglementate multe aspecte. Pe de alt\u0103 parte, cred c\u0103 b\u0103ncile, dincolo de aceste obliga\u021bii legale, au \u00eencercat s\u0103 \u00ee\u0219i simplifice contractele, s\u0103 explice anumite lucruri un pic mai clar. Acesta e un echilibru greu de realizat pentru c\u0103 pe de o parte anumite lucruri trebuie explicate mai clar, pe de alt\u0103 parte, ne dorim totu\u0219i ca respectivele contractele s\u0103 nu fie foarte lungi.<\/p><p style=\"text-align: justify;\"><strong>Contractele cu banca &#8211; echilibrul \u00eentre interesul clientului \u0219i interesul b\u0103ncii <\/strong><\/p><p style=\"text-align: justify;\">Daniel Nicolaescu:<\/p><p style=\"text-align: justify;\">\u00cen urma valului de p\u0103reri legate de caracterul abuziv al unor clauze, b\u0103ncile au \u00een\u021beles c\u0103 este \u00een avantajul tuturor dac\u0103 lucrurile devin un pic mai simple \u0219i mai transparente.<\/p><p style=\"text-align: justify;\">\u00cen leg\u0103tur\u0103 cu echilibrul, dincolo de acest aspect, acum, foarte mult este reglementat: avem prevederi care ne spun foarte clar ce trebuie s\u0103 con\u021bin\u0103 contractul de credit.<\/p><p style=\"text-align: justify;\">Exist\u0103 o reglementare de care toat\u0103 lumea a auzit, celebra Ordonan\u021b\u0103 de Urgen\u021b\u0103 a Guvernului 50\/2010, unde sunt men\u021bionate elementele pe care trebuie sa le con\u021bin\u0103 contractul de credit astfel \u00eenc\u00e2t clientul s\u0103 citeasc\u0103, s\u0103 \u00een\u021beleag\u0103 ce obliga\u021bii are.<\/p><p style=\"text-align: justify;\">\u00cen leg\u0103tur\u0103 cu acest subiect ar mai fi de ad\u0103ugat ca \u201cvalul\u201d de situa\u021bii reclam\u00e2nd existen\u021ba unor clauze abuzive a fost provocat \u0219i de faptul c\u0103 reglementarea men\u021bionat\u0103 s-a aplicat retroactiv. Respectiv, ceea ce p\u00e2n\u0103 la un anumit moment a fost permis de lege, a devenit interzis, \u00eens\u0103 s-a aplicat \u0219i pentru situa\u021biile (contractele) existente. Prin urmare ca s\u0103 evite o \u201cexplozie\u201d a situa\u021biilor \u00een care a fost invocat\u0103 existen\u021ba clauzelor abuzive, b\u0103ncile ar fi trebuit practic s\u0103 prevad\u0103 viitorul\u2026<\/p><p style=\"text-align: justify;\">Mai mult dec\u00e2t at\u00e2t, sunt cazuri \u00een care anumite autorit\u0103\u021bi au solicitat b\u0103ncilor, chiar dac\u0103 anumite prevederi sunt \u00een lege, s\u0103 le includ\u0103 \u00een contractul de credit cu clientul, de\u0219i, evident, legea s-ar aplica \u0219i dac\u0103 nu ar fi copiat\u0103 sau replicat\u0103 \u00een contractul de credit, ceea ce a dus la lungirea contractului de credit.<\/p><p style=\"text-align: justify;\">Echilibrul se realizeaz\u0103 prin interven\u021bia legiuitorului, ceea ce s-a realizat, prin \u00een\u021belegerea de c\u0103tre b\u0103nci a acestui fenomen, respectiv a necesit\u0103\u021bii de a fi mai transparente \u0219i mai aproape de client, ceea ce cred iar\u0103\u0219i c\u0103 s-a \u00eent\u00e2mplat \u0219i se \u00eent\u00e2mpl\u0103. Toate astea duc \u00eentr-o zon\u0103 \u00een care, da, poate contractul de credit nu e at\u00e2t de scurt pe c\u00e2t ne-am dori \u00eens\u0103 el vine s\u0103 acopere ni\u0219te nevoi.<\/p><p style=\"text-align: justify;\">Eu cred c\u0103 avem suficient de multe reglement\u0103ri, drepturile consumatorilor sunt suficient de bine reglementate \u0219i protejate \u00eens\u0103 dincolo de asta este necesar ca \u0219i clien\u021bii s\u0103 aib\u0103 un pic mai mult cultura citirii \u0219i \u00een\u021belegerii contractului de credit \u0219i p\u00e2n\u0103 la urm\u0103, a adres\u0103rii de \u00eentreb\u0103ri dac\u0103 lucrurile sunt neclare.<\/p><p style=\"text-align: justify;\"><strong>Clauzele cele mai importante la care trebuie s\u0103 fie aten\u021bi clien\u021bii <\/strong><\/p><p style=\"text-align: justify;\">Daniel Nicolaescu:<\/p><p style=\"text-align: justify;\">Vorbim \u0219i despre suma creditului, despre scopul \u00een care este acordat creditul \u0219i dup\u0103 aceste elemente, sum\u0103 \u0219i scop, sigur c\u0103 foarte important\u0103 este partea de costuri.<\/p><ul style=\"text-align: justify;\"><li>Dob\u00e2nzi (variabile sau fixe)<\/li><li>Modul \u00een care dob\u00e2nda variaz\u0103<\/li><li>Comisioane<\/li><li>Garan\u021bii (clientul trebuie s\u0103 \u00een\u021beleag\u0103 care sunt garan\u021biile solicitate de banc\u0103. Pot exista situa\u021bii \u00een care, \u00een anumite condi\u021bii, banca \u00ee\u0219i rezerv\u0103 dreptul s\u0103 solicite garan\u021bii suplimentare)<\/li><li>Ce remedii are banca \u00een cazul \u00een care clientul \u00ee\u0219i \u00eencalc\u0103 obliga\u021biile din contractul de credit<\/li><li>Prevederi \u00een contracte care spun dup\u0103 c\u00e2t timp un credit poate fi declarat scadent anticipat (c\u00e2nd devine pl\u0103tibil\u0103 \u00eentreaga sum\u0103 a creditului)<\/li><li>Dup\u0103 c\u00e2t timp banca poate s\u0103 treac\u0103 la executarea silit\u0103 a clientului \u00een cazul \u00een care acesta \u00eenregistreaz\u0103 un anumit num\u0103r de zile de \u00eent\u00e2rziere<\/li><\/ul><p style=\"text-align: justify;\"><strong>Despre viitorul contractelor bancare<\/strong><\/p><p style=\"text-align: justify;\">Daniel Nicolaescu:<\/p><p style=\"text-align: justify;\">Nu \u0219tiu dac\u0103 ne putem a\u0219tepta s\u0103 scad\u0103 num\u0103rul de pagini din contractul de credit, dar sincer, nu cred c\u0103 aceasta este extrem de relevant. Ceea ce este relevant este ca lucrurile s\u0103 fie indicate clar, s\u0103 fie c\u00e2t mai transparente, s\u0103 fie u\u0219or de \u00een\u021beles \u0219i atunci, dac\u0103 avem un num\u0103r de pagini \u00een care lucrurile sunt clar exprimate \u0219i u\u0219or de \u00een\u021beles, cred c\u0103 este \u00een regul\u0103 \u0219i pentru consumatori.<\/p><p style=\"text-align: justify;\"><strong>Contractele \u00een valut\u0103: <\/strong><\/p><p style=\"text-align: justify;\">Toat\u0103 lumea a auzit despre discu\u021biile cu creditele date \u00een valut\u0103, despre faptul c\u0103 s-a \u00een\u021beles sau nu, de c\u0103tre clien\u021bi c\u0103 \u00ee\u0219i asum\u0103 un risc valutar. \u00centr-una din deciziile sale, Curtea de Justi\u021bie a Uniunii Europene spunea c\u0103 \u00eentr-un astfel de caz, contractul ar trebui s\u0103 con\u021bin\u0103 nu numai aten\u021bionarea asupra faptului c\u0103, cursul de schimb poate s\u0103 evolueze \u00eentr-un sens nedorit de client, dar c\u0103 b\u0103ncile ar trebui s\u0103 includ\u0103 \u00een contracte inclusiv o descriere a consecin\u021belor pe care ar putea s\u0103 le produc\u0103 acest lucru pentru client. Adic\u0103 am interpretat c\u0103 ar trebui s\u0103 spunem c\u0103 dac\u0103 se devalorizeaz\u0103 leul \u00een raport cu moneda x, clientul va avea mai pu\u021bini bani ca s\u0103 \u00ee\u0219i pl\u0103teasc\u0103 chiria, s\u0103 cumpere p\u00e2ine \u0219i a\u0219a mai departe.<\/p><p style=\"text-align: justify;\"><strong>Semn\u0103tura digital\u0103: <\/strong><\/p><p style=\"text-align: justify;\">Ceea ce cred c\u0103 se va \u00eent\u00e2mpla \u0219i sub presiunea pe care a adus-o pandemia, este s\u0103 creasc\u0103 gradul de digitalizare iar aici b\u0103ncile sunt foarte implicate \u00een tot ceea ce \u00eenseamn\u0103 procesul legislativ \u0219i c\u0103utarea unei solu\u021bii. B\u0103ncile sunt promotoarele unei legisla\u021bii cu privire la semn\u0103tur\u0103 digital\u0103 care s\u0103 u\u0219ureze un pic formalit\u0103\u021bile care sunt ast\u0103zi de \u00eendeplinit \u0219i aceasta at\u00e2t pentru ele c\u00e2t \u0219i pentru clien\u021bii lor.<\/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>Daniel Nicolaescu, Pre\u0219edintele Comisiei Juridice \u2013 Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video HotNews \u2013 29 noiembrie 2021<\/p>","protected":false},"author":3,"featured_media":2578727,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2578186","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>ARB Talks: Daniel Nicolaescu, ARB - pe de o parte, anumite lucruri trebuie explicate mai clar, pe de alt\u0103 parte, ne dorim contracte mai scurte. 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