{"id":3143,"date":"2013-12-03T10:47:55","date_gmt":"2013-12-03T08:47:55","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3143"},"modified":"2024-01-20T14:11:58","modified_gmt":"2024-01-20T12:11:58","slug":"migrare-accelerata-spre-standardele-de-plati-sepa","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/migrare-accelerata-spre-standardele-de-plati-sepa\/","title":{"rendered":"Migrare accelerat\u0103 spre standardele de pl\u0103\u0163i SEPA - only in romanian"},"content":{"rendered":"
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Edi\u0163ia a 8-a a Forumului Na\u0163ional SEPA, organizat de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) \u00een 28 noiembrie 2013 la hotelul Continental din Bucure\u015fti, a dezb\u0103tut, \u00een prezen\u0163a reprezentan\u0163ilor bancherilor, BNR \u015fi mai multor companii, stadiul proiectului SEPA la nivel european dar \u015fi \u00een Rom\u00e2nia, proiectul Transfond pentru pl\u0103\u0163ile \u00een lei dar \u015fi a sistemului pentru euro, autoreglementarea pl\u0103\u0163ilor na\u0163ionale, noile scheme de debitare direct\u0103 \u00een lei \u015fi implica\u0163iile serviciilor de pl\u0103\u0163i pentru utilizatori.<\/p>

Rodica Tuchil\u0103, director la ARB, a precizat c\u0103 termenul de 1 februarie 2014 impus pentru adoptarea standardelor SEPA \u00een zona euro pentru toate instrumentele de plat\u0103 a pus o mare presiune pe b\u0103nci, acestea fiind nevoite s\u0103 accelereze migrarea c\u0103tre noile standarde, aflat\u0103 acum la un nivel de doar 60% \u00een privin\u0163a transferurilor (SEPA credit transfer), 11,5% la direct debit si 80% la carduri.<\/p>

Pentru \u0163\u0103rile din afara zonei euro, precum Rom\u00e2nia, termenul limit\u0103 de aderare este mult mai \u00eendep\u0103rtat, \u015fi anume 31 octombrie 2016. Migrarea b\u0103ncilor rom\u00e2ne\u015fti la standardele SEPA a ajuns la 27% \u00een iulie 2013, exist\u00e2nd 21 de b\u0103nci care au aderat la noile standarde europene privind transferurile, alte 3 fiind \u00een proces de aderare, iar alte dou\u0103 au aderat \u015fi la SEPA direct debit.<\/p>

\u00cen privin\u0163a adopt\u0103rii standardelor EMV la pl\u0103\u0163ile cu cardul, migrarea este aproape finalizat\u0103: 97% din num\u0103rul total de carduri emise de b\u0103ncile rom\u00e2ne\u015fti sunt convertite la standardele EMV, 98% dintre POS-uri \u015fi toate ATM-urile.<\/p>

\u201eCe \u00eenseamn\u0103 SEPA: dou\u0103 instrumente de plat\u0103 standardizate: SEPA credit transfer, SEPA direct debit, SEPA pentru pl\u0103\u0163ile prin carduri. Toate aceste standarde vor sta la baza dezvolt\u0103rii e-SEPA, care \u00eenseamn\u0103 servicii electronice, ini\u0163ierea de pl\u0103\u0163i prin internet, pl\u0103\u0163i mobile, facturarea electronic\u0103. A fost dezvoltat \u015fi un cadru pentru diminuarea opera\u0163iunilor cu numerar \u015fi cre\u015fterea pl\u0103\u0163ilor electronice: SEPA cash. De\u015fi pare un proiect simplu, faptul c\u0103 implic\u0103 33 de \u0163\u0103ri, 522 de milioane de locuitori \u015fi peste 9300 de institu\u0163ii ce ofer\u0103 servicii de pl\u0103\u0163i, nemaivorbind de num\u0103rul de utilizatori, este un proiect ce pune foarte multe probleme, \u00eenc\u0103 de la ini\u0163ierea sa. Probabil c\u0103 reglement\u0103rile care au fost emise \u00een ultima perioad\u0103 vor duce la accelerarea migr\u0103rii la SEPA, dar nu vor rezolva toate problemele\u201d, a precizat Rodica Tuchil\u0103.<\/p>

Florin D\u0103nescu, pre\u015fedintele executiv al ARB, a fost cel care a deschis lucr\u0103rile forumului, preciz\u00e2nd, printre altele, c\u0103 proiectul SEPA a fost implementat \u00een vederea elimin\u0103rii barierelor comerciale, cu rolul de a duce la cre\u015fterea eficien\u0163ei pl\u0103\u0163ilor, prin dezvoltarea unor standarde comune \u015fi pentru \u00eencurajarea pl\u0103\u0163ilor electronice.<\/p>

ARB, felicitat\u0103 pentru preluarea rolului de autoritate de guvernan\u0163\u0103 pentru SEPA \u00een lei<\/h3>

Ruxandra Avram, \u015fef serviciu Direc\u0163ia Stabilitate Financiar\u0103 \u00een cadrul BNR, a \u0163inut s\u0103 felicite Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor pentru eforturile pe care le-a f\u0103cut, \u00eencep\u00e2nd din februarie 2013, de a-\u015fi asuma rolul de autoritate de guvernan\u0163\u0103 a schemei de tip SEPA na\u0163ional\u0103 \u00een lei. \u201eA fost o oarecare iner\u0163ie, dar nu datorit\u0103 lor, ci a nout\u0103\u0163ii \u00een pia\u0163\u0103 \u015fi a dificult\u0103\u0163ii de organizare. Ne-am adunat de c\u00e2teva ori, au fost schimburi de coresponden\u0163\u0103. Ideea a devenit apoi foarte clar\u0103: a\u015fa cum Consiliul european de pl\u0103\u0163i s-a organizat \u015fi are func\u0163ii, atribu\u0163ii, departamente specializate, a\u015fta trebuie s\u0103 se \u00eent\u00e2mple \u015fi la noi. \u00cencet-\u00eencet s-a reu\u015fit, s-a ajuns la acest deziderat, ARB fiind acum \u00een m\u0103sur\u0103 s\u0103 preia cu succes acest rol de governence authority pentru schema na\u0163ional\u0103 de pl\u0103\u0163i SEPA \u00een lei. Vreau de asemenea s\u0103 v\u0103 asigur c\u0103 Transfond, de care sistemul de pl\u0103\u0163i na\u0163ional depinde \u00eentr-o propor\u0163ie foarte mare, concureaz\u0103 inclusiv la transmiterea semnalelor opera\u0163iunilor b\u0103ncii centrale, de transmitere a semnalelor de politic\u0103 monetar\u0103, a\u015fadar este o societate extrem de responsabil\u0103, supravegheat\u0103 at\u00e2t de BNR dar \u015fi de propria lor con\u015ftiin\u0163\u0103. De aceea trebuie s\u0103 avem \u00eencredere \u00een d\u00e2n\u015fii, au \u00een vedere proiecte de care b\u0103ncile se vor putea bucura \u00een perioada care urmeaz\u0103 \u015fi trebuie s\u0103-i sus\u0163inem. Transfond nu trebuie s\u0103 fie unica alternativ\u0103 \u00een economie pentru efectuarea pl\u0103\u0163ilor, dar este o societate care s-a creat pas cu pas, c\u0103r\u0103mid\u0103 cu c\u0103r\u0103mid\u0103 \u015fi a ajuns la o performan\u0163\u0103 tehnologic\u0103 \u015fi institu\u0163ional\u0103 de v\u00e2rf, pentru care noi \u00eei felicit\u0103m \u015fi le acord\u0103m tot sprijinul \u015fi aten\u0163ia.\u201d<\/p>

Nu este suficient\u0103 autoreglementarea<\/h3>

\u00a0\u00cen privin\u0163a autoreglement\u0103rii institu\u0163iilor de plat\u0103, Ruxandra Avram a spus c\u0103 \u201eautoreglementarea nu trebuie \u00een\u0163eleas\u0103 ca un mecansim prin care mai multe entit\u0103\u0163i se a\u015feaz\u0103 la mas\u0103, \u00ee\u015fi fac propriile reguli, de unde iese o procedur\u0103 pe care nimeni nu o vede, nimeni nu o supravegheaz\u0103 \u015fi sanc\u0163ioneaz\u0103. Nu, dar vreau s\u0103 atrag aten\u0163ia c\u0103 nu este suficient ca prestatorii de servicii de plat\u0103 s\u0103 se autoreglementeze, important este s\u0103 dep\u0103\u015fim faza \u00een care ne afl\u0103m \u00een momentul de fa\u0163\u0103: nu mai vreau s\u0103 fim ar\u0103ta\u0163i la toate \u00eent\u00e2lnirile de la nivel european c\u0103 Rom\u00e2nia \u015fi Bulgaria au un grad redus de bancarizare, salarii mici. Nu am ajuns la nivelul de mas\u0103 critic\u0103 de utilizatori de servicii, care s\u0103 ofere b\u0103ncilor confortul necesar pentru a tr\u0103i \u015fi a face \u00eentr-adev\u0103r business din retail. Dar pute\u0163i s\u0103 o face\u0163i \u015fi este \u00een puterea dumneavoastr\u0103 s\u0103 o face\u0163i\u201d, s-a adresat reprezentanta BNR participan\u0163ilor la Forum.<\/p>

\u201eCum s\u0103 cre\u015ftem bancarizarea, c\u00e2nd \u00eenc\u0103 trebuie s\u0103 explic\u0103m c\u0103 nu este imoral s\u0103 faci profit \u00een Rom\u00e2nia?!\u201d<\/h3>

Replica a venit de la reprezentantul bancherilor, Florin D\u0103nescu: \u201eSigur c\u0103 ne dorim s\u0103 atragem mai mul\u0163i clien\u0163i, s\u0103 sporim bancarizarea, mai ales c\u0103 activele bancare \u00een Romania reprezint\u0103 doar 62% din PIB, fa\u0163\u0103 de 366% \u00een Europa. Numai c\u0103 trebuie s\u0103 ne g\u00e2ndim c\u0103 Europa a ajuns la acest nivel \u00een urma unor acumul\u0103ri de zeci de ani. Peste noapte este extrem de greu s\u0103 atingi acest nivel. P\u00e2n\u0103 la urm\u0103 suntem o economie extrem de t\u00e2n\u0103r\u0103, suntem la v\u00e2rsta la care \u00eenc\u0103 discut\u0103m principii de baz\u0103 ale economiei de pia\u0163\u0103, \u00eenc\u0103 trebuie s\u0103 explic\u0103m faptul c\u0103 nu este imoral s\u0103 dore\u015fti s\u0103 faci profit \u00een Rom\u00e2nia, \u00eenc\u0103 trebuie s\u0103 explic\u0103m care este rolul unei b\u0103nci \u00eentr-o economie de pia\u0163\u0103, c\u0103 o banc\u0103 nu este constituit\u0103 ilegal ci este dezirabil\u0103 \u00eentr-o economie. Iar pe acest fond de percep\u0163ie, constat\u0103m c\u0103 de la b\u0103nci se a\u015fteapt\u0103 totul: inclusiv protec\u0163ie social\u0103, care este o responsabilitate a guvernului. Este foarte greu s\u0103 cre\u015fti gradul de bancarizare c\u00e2nd \u00een fiecare zi popula\u0163ia este invadat\u0103 cu informa\u0163ii precum faptul c\u0103 a te duce la banc\u0103 e un lucru foarte r\u0103u, c\u0103 trebuie s\u0103 v\u0103 feri\u0163i de b\u0103nci. Se blameaz\u0103 faptul c\u0103 exist\u0103 sucursale la fiecare col\u0163 de strad\u0103, c\u0103 sunt foarte multe banci, de\u015fi pe de alt\u0103 parte se repro\u015feaz\u0103 c\u0103 bancarizarea este redus\u0103.\u201d<\/p>

Fiecare are un rol \u00een a \u00een\u0163elege mai bine lucrurile<\/h3>

D\u0103nescu a mai spus c\u0103 este foarte sigur de faptul c\u0103 dintre toate industriile din Rom\u00e2nia, cel pu\u0163in una se apropie de nivelul \u015fi calitatea european\u0103, \u015fi anume sistemul bancar. \u201eBlam\u0103m sistemul bancar \u015fi vorbim mereu de neperforman\u0163a de 20% din credite, dar nu vedem cealalt\u0103 parte performant\u0103 80%. Vorbim de 3000 de cazuri \u00een instan\u0163\u0103, dar uit\u0103m c\u0103 e vorba de 4,3 milioane de clien\u0163i \u00een total. Lu\u0103m un caz nefericit de la o banc\u0103 \u015fi discut\u0103m despre el ca \u015fi cum s-ar \u00eent\u00e2mpla peste tot. Este forate greu s\u0103 vinzi \u015fi s\u0103 te dezvol\u0163i pe un trend de ne\u00eencredere masiv, pentru c\u0103 mesajul t\u0103u e sortit e\u015fecului din start. E dificil, dar nu trebuie s\u0103 dezarm\u0103m, ci s\u0103 mergem \u00eenainte. Trebuie s\u0103 facem ce credem c\u0103 este bine \u015fi pentru noi \u015fi pentru societate, pentru c\u0103 nimeni nu ne poate scoate din afara societ\u0103\u0163ii. De aceea, fiecare are un rol \u00een a \u00een\u0163elege mai bine lucrurile. Noi \u00een\u0163elegem c\u0103 avem un rol major \u015fi \u00eencerc\u0103m s\u0103-l explic\u0103m, dar trebuie s\u0103 \u00eencerc\u0103m s\u0103 \u015fi cerem sprijin acolo unde ni se pun piedici sau unde am putea \u00eempreun\u0103 s\u0103 construim un sistem mai bun, mai performant \u015fi care s\u0103 ne permit\u0103 s\u0103 apropiem c\u00e2t mai mult gap-ul dintre Rom\u00e2nia \u015fi Europa. Cred c\u0103 dac\u0103 dep\u0103\u015fim aceste moment, \u00een care se crede c\u0103 a face profit este un lucru r\u0103u, vom face un mare pas \u00eenainte. Sau ne putem \u00eentoarce la o economie centralizat\u0103, \u00een care averea e a tuturor \u015fi suntem egali pentru c\u0103 suntem la fel de s\u0103raci\u201d.<\/p>

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Edi\u0163ia a 8-a a Forumului Na\u0163ional SEPA a fost organizat\u0103 de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor la data de 28 noiembrie 2013 la Grand Hotel Continental din Bucure\u015fti. – Pia\u021ba Financiar\u0103, decembrie 2013 <\/em><\/p>","protected":false},"author":3,"featured_media":2645432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nMigrare accelerat\u0103 spre standardele de pl\u0103\u0163i SEPA - 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\/migrare-accelerata-spre-standardele-de-plati-sepa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Migrare accelerat\u0103 spre standardele de pl\u0103\u0163i SEPA - 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