{"id":2645231,"date":"2012-06-18T14:24:26","date_gmt":"2012-06-18T11:24:26","guid":{"rendered":"https:\/\/www.arb.ro\/?p=662"},"modified":"2024-01-20T14:15:28","modified_gmt":"2024-01-20T12:15:28","slug":"educatie-financiara-o-componenta-esentiala-de-responsabilizare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/educatie-financiara-o-componenta-esentiala-de-responsabilizare\/","title":{"rendered":"Consumatorul, \u00een centrul aten\u021biei - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645231\" class=\"elementor elementor-2645231\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-238eee72 e-flex e-con-boxed e-con e-parent\" data-id=\"238eee72\" 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-2fba160e elementor-widget elementor-widget-text-editor\" data-id=\"2fba160e\" 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>Educa\u021bie financiar\u0103, o component\u0103 esen\u021bial\u0103 de responsabilizare<\/h3><p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB &#8211; <em>Pia\u021ba Financiar\u0103, iunie 2012<\/em><\/p><p style=\"text-align: justify;\">Criza financiar\u0103 mondial\u0103 \u2013 la care s-a ad\u0103ugat un nivel sc\u0103zut al educa\u0163iei \u00een domeniul financiar-bancar \u2013 a erodat \u00eencrederea clien\u0163ilor de servicii bancare, cre\u015fterea \u00eencrederii venind concomitent cu \u00een\u0163elegereadomeniului, a drepturilor, obliga\u0163iilor \u015fi riscurilor.<\/p><p style=\"text-align: justify;\">Nevoia de a achizi\u0163iona bunuri pe credit coroborat\u0103 cu \u00eenclina\u0163ia spre risc \u015fi cu bagajul de\u0163inut de informa\u0163ii de natur\u0103 financiar\u0103 determin\u0103 clientul s\u0103 balanseze decizia de a se \u00eemprumuta \u00een limitele permise de normele de creditare. Clientul care are de c\u00e2\u015ftigat este cel care a \u015ftiut s\u0103-\u015fi asume riscuri pe care le poate gestiona, mai ales dac\u0103 contextualiz\u0103m cu efectele crizei.<\/p><p style=\"text-align: justify;\">Supra\u00eendatorarea este o consecin\u0163\u0103 a unui optimism exagerat, amplificat de anii de boom economic. Studiul \u201eNivelul de educa\u0163ie financiar\u0103 al rom\u00e2nilor\u201c, comandat de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, arat\u0103 c\u0103 mai mult de jum\u0103tate din popula\u0163ia bancarizat\u0103 nu a efectuat nicio compara\u0163ie \u00eentre oferte \u00eenainte de a achizi\u0163iona un produs financiar-bancar. Doar 41% dintre responden\u0163i au declarat c\u0103 au citit contractul \u00een \u00eentregime. O proiec\u0163ie echilibrat\u0103 se poate face prin cunoa\u015ftere \u015fi prin efectuarea de compara\u0163ii.<\/p><p style=\"text-align: justify;\">\u00cen contextul efectelor crizei economicofinanciare, reglementatorii \u2013 \u015fi voi face acum referire \u00een special la cei europeni \u2013, av\u00e2nd \u00een vedere apartenen\u0163a Rom\u00e2niei la Uniunea European\u0103, pun accent \u00een elaborarea normelor pe o protec\u0163ie mai accentuat\u0103 a consumatorului, printr-o con\u015ftientizare mai ampl\u0103.<\/p><p style=\"text-align: justify;\">Promovarea principiilor politicii bancare \u00een domeniile de interes general \u00een vederea cre\u015fterii nivelului de con\u015ftientizare \u015fi responsabilizare \u00een utilizarea produselor \u015fi serviciilor bancare este una dintre preocup\u0103rile prioritare ale Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor. Obiectivul este dezvoltarea receptivit\u0103\u0163ii pentru domeniul financiar-bancar, prin promovarea unor comportamente, crearea unor deprinderi \u015fi atitudini care permit asumarea responsabilit\u0103\u0163ilor de natur\u0103 financiar\u0103.<\/p><p style=\"text-align: justify;\">Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor s-a al\u0103turat eforturilor depuse de b\u0103ncile membre \u00een lansarea programelor privind educa\u0163ia financiar-bancar\u0103 a popula\u0163iei \u015fi a demarat o campanie specific\u0103 la postul public de televiziune TVR1. Campania se deruleaz\u0103 \u00een perioada decembrie 2011-iulie 2012, iar prin intermediul acesteia ne propunem s\u0103 contribuim la cre\u015fterea gradului de con\u015ftien tizare \u00een r\u00e2ndul clien\u0163ilor actuali \u015fi viitori ai institu\u0163iilor de credit prin explicarea termenilor bancari pentru un public c\u00e2t mai larg.<\/p><p style=\"text-align: justify;\">Realizate \u00een coproduc\u0163ie cu Televiziunea Rom\u00e2n\u0103, materialele sunt difuzate \u00een intervalul celor opt luni de campanie \u015fi sunt postate \u015fi pe site-ul arb.goodafternoon.ro la sec\u0163iunea \u201eEduca\u0163ie Financiar\u0103\u201c. Avantajul desf\u0103\u015fur\u0103rii unei campanii TV este acela c\u0103 gradul de distribuire ainforma\u0163iei este destul de ridicat, fiind o campanie adresat\u0103 inclusiv mediului rural, unde gradul de educa\u0163ie bancar\u0103 este mai redus. M\u0103sur\u0103torile efectuate de companiile specializate au indicat faptul c\u0103 pe perioada difuz\u0103rii fillerelor ARB, audien\u0163a maxim\u0103 atins\u0103 la nivel na\u0163ional de postul public TVR1 a fost de 518.000 de telespectatori adul\u0163i, \u00een medie, pe minut.<\/p><p style=\"text-align: justify;\">Fiecare banc\u0103 contribuie la educa\u0163ia financiar\u0103 a rom\u00e2nilor prin postarea pe ecranele TV \u00een unit\u0103\u0163ile bancare a informa\u0163iilor privind drepturile \u015fi obliga\u0163iile consumatorilor persoane fizice conform legisla\u0163iei \u00een vigoare \u015fi a explica\u0163iilor cu privire la terminologia domeniului financiar-bancar, \u00een baza Ordinului 164\/2011 emis de ANPC.<\/p><p style=\"text-align: justify;\">\u0162in\u00e2nd cont c\u0103 educa\u0163ia financiar\u0103 \u015fi asigurarea accesului la servicii bancare de baz\u0103 reprezint\u0103 priorit\u0103\u0163i pentru rom\u00e2ni, av\u00e2nd \u00een vedere calitatea de cet\u0103\u0163eni europeni \u015fi inten\u0163ia de creare a unei pie\u0163e integrate a serviciilor financiare la nivel comunitar, este necesar\u0103 demararea unor programe na\u0163ionale, prin impli &#8211;<br \/>carea statului, care s\u0103 conduc\u0103 la o \u00een\u0163elegere adecvat\u0103 a fenomenului financiar-bancar.<\/p><p style=\"text-align: justify;\">Jum\u0103tate dintre responden\u0163ii studiului \u201eNivelul deeduca\u0163ie financiar\u0103 al rom\u00e2nilor\u201c consider\u0103 c\u0103 \u015fcoala ar trebui s\u0103 se ocupe de educa\u0163ia financiar\u0103 a popula\u0163iei, aceast\u0103 institu\u0163ie fiind urmat\u0103 de mass-media \u015fi b\u0103nci. ARB a ini\u0163iat discu\u0163iile cu reprezentan\u0163ii Ministerului Educa\u0163iei, Cercet\u0103rii, Tineretului \u015fi Sportului, \u00een vederea practic\u0103rii pe scar\u0103 mai larg\u0103 a orelor de educa\u0163ie financiar\u0103 cu caracter op\u0163ional \u00een licee \u015fi consider c\u0103 ar trebui s\u0103 devin\u0103 o preocupare<br \/>introducerea orelor de educa\u0163ie financiar\u0103 cu caracter obligatoriu.<\/p><p style=\"text-align: justify;\">Educa\u0163ia financiar\u0103 este o component\u0103 esen\u0163ial\u0103 de responsabilizare a consumatorilor, deoarece le ofer\u0103 o \u00een\u0163elegere a modului de a gestiona finan\u0163ele, \u00een scopul de a evita riscurile \u015fi posibila excludere financiar\u0103. Acesta este un element cheie pentru a reconstrui \u00eencrederea consumatorilor. Comunitatea bancar\u0103 sus\u0163ine ini\u0163iativele \u015fi este dispus\u0103 s\u0103 contribuie activ la \u00eembun\u0103t\u0103\u0163irea nivelului de educa\u0163ie financiarbancar\u0103 a consumatorilor.<\/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-f04c7fb elementor-widget elementor-widget-button\" data-id=\"f04c7fb\" 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\/Danescu-educatia-financiara.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>Educa\u021bie financiar\u0103, o component\u0103 esen\u021bial\u0103 de responsabilizare<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB &#8211; <em>Pia\u021ba Financiar\u0103, iunie 2012<\/em><\/p>","protected":false},"author":3,"featured_media":2645376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[44,58,59],"class_list":["post-2645231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-florin-danescu","tag-componenta-de-responsabilizare","tag-educatie-financiara-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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