{"id":3145059,"date":"2022-06-21T15:31:33","date_gmt":"2022-06-21T12:31:33","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3145059"},"modified":"2023-12-21T21:12:57","modified_gmt":"2023-12-21T19:12:57","slug":"florin-danescu-arb-bancile-trebuie-sa-aiba-incredere-in-conciliere-sa-fie-deschise-sa-investeasca-mai-mult-si-sa-reduca-timpii-de-asteptare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/florin-danescu-arb-bancile-trebuie-sa-aiba-incredere-in-conciliere-sa-fie-deschise-sa-investeasca-mai-mult-si-sa-reduca-timpii-de-asteptare\/","title":{"rendered":"Florin D\u0103nescu, ARB: \u201eB\u0103ncile trebuie s\u0103 aib\u0103 \u00eencredere \u00een conciliere, s\u0103 fie deschise, s\u0103 investeasc\u0103 mai mult \u0219i s\u0103 reduc\u0103 timpii de a\u0219teptare\u201d - only in romanian"},"content":{"rendered":"

Florin D\u0103nescu, Pre\u0219edinte executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, a dialogat cu Septimiu Stoica, conciliator CSALB \u0219i Pre\u0219edinte al Bursei Rom\u00e2ne de M\u0103rfuri, Irina Chi\u021bu, analist financiar, oferind un punct de vedere cu privire la impactul b\u0103ncilor \u00een economie, \u00een societate, mai ales \u00een momentele de panic\u0103, precum \u00een pandemie sau crize economice cauzate de r\u0103zboi.\u00a0 Abord\u00e2nd problemele actuale ale clien\u021bilor cu \u00eemprumuturi \u0219i rate \u00een cre\u0219tere, oficialul ARB readuce \u00een discu\u021bie rolul educa\u021biei financiare. Acesta spune c\u0103 \u201cachizi\u021bia unei case este un contract pe via\u021b\u0103. \u0218i socoteala trebuie f\u0103cut\u0103 cu mare aten\u021bie\u201d.<\/em><\/p>\n

\"\"<\/p>\n

Reporter: <\/strong>Sunte\u021bi \u00een acest proiect de \u0219ase ani, de c\u00e2nd s-a \u00eenfiin\u021bat CSALB, cum vede\u021bi utilitatea acestui Centru pentru sistemul bancar?<\/p>\n

Florin D\u0103nescu: <\/strong>\u00cencrederea care trebuia rezolvat\u0103 \u00eentre clien\u021bi \u0219i b\u0103nci, la vremea respectiv\u0103, a reclamat o astfel de abordare \u0219i m\u0103 bucur c\u0103 a fost o abordare european\u0103 \u00eenc\u0103 de la \u00eenceput. Treptat, CSALB \u0219i-a crescut foarte mult cifrele de performan\u021b\u0103, \u00eencrederea a crescut foarte mult, b\u0103ncile s-au apropiat foarte tare de acest mecanism, sunt mult mai deschise, clien\u021bii no\u0219tri au \u00een\u021beles c\u0103 aceasta este o \u00eentreprindere serioas\u0103, independent\u0103 \u0219i echilibrat\u0103.<\/p>\n

Reporter<\/strong>: Domnule Stoica, sunte\u021bi unul dintre cei trei conciliatori CSALB care au dep\u0103\u0219it recent cifra de 200 de negocieri intermediate \u00eentre consumatori \u0219i b\u0103nci. Din punctul de vedere al consumatorilor cum a fost privit\u0103 concilierea la \u00eenceputul CSALB?<\/p>\n

Septimiu Stoica<\/strong>: \u00cen construirea \u0219i func\u021bionarea CSALB se intersecteaz\u0103 mai multe paliere. Unul dintre ele este cel \u201cforat\u201d mai demult, de origine anglo-saxon\u0103, \u00een care ne\u00een\u021belegerile dintre p\u0103r\u021bi nu mai sunt rezolvate \u00een justi\u021bia tradi\u021bional\u0103. \u00cen instan\u021ba clasic\u0103 avem timp lung de rezolvare, costuri, o incertitudine asupra rezultatului, exist\u0103 un singur \u00eenving\u0103tor \u0219i un \u00eenvins. Vorbim de un anumit hazard asumat, \u0219i mai ales de o traum\u0103. \u0218i atunci, s-a fructificat o idee mai veche: s\u0103 faci p\u0103r\u021bile s\u0103 se \u00een\u021beleag\u0103. Pe rom\u00e2ne\u0219te spus: s\u0103 se \u00eempace! Este vorba despre un alt model cultural care prinde mai greu \u00een partea aceasta a Europei \u00een care oamenii, entit\u0103\u021bile, vor totul sau nimic. Vor s\u0103 triumfe \u0219i chiar s\u0103-\u0219i umileasc\u0103 adversarul. Al doilea palier a venit pe baza abord\u0103rilor Uniunii Europene care \u0219i-a propus, \u00eentre altele, s\u0103 apere, s\u0103 ajute cet\u0103\u021benii obi\u0219nui\u021bi, consumatorii de servicii financiare.<\/p>\n

Reporter: <\/strong>Deci a\u021bi v\u0103zut din fa\u0219\u0103 acest proiect. Dac\u0103 ar fi s\u0103 face\u021bi o compara\u021bie \u00eentre anul 2021 \u0219i al\u021bi ani de func\u021bionare ai Centrului, ce a fost \u00een plus?<\/p>\n

Septimiu Stoica: <\/strong>B\u0103ncile au parcurs un drum exponen\u021bial \u00een aceast\u0103 scurt\u0103 perioad\u0103 de timp. Dac\u0103 la consumatori e mai greu s\u0103 vezi progresul, pentru c\u0103 nu sunt aceea\u0219i oameni angrena\u021bi \u00een disputele care trebuie rezolvate, b\u0103ncile sunt actori permanen\u021bi ai acestui proces \u0219i au parcurs etape frumoase de dezvoltare. La \u00eenceput a fost un episod de negare, ca \u00een mecanismele de ap\u0103rare psihologice \u00een care dac\u0103 nu \u00ee\u021bi convine ceva, \u00eel negi. Am avut o rezisten\u021b\u0103 tacit\u0103, nu m\u0103rturisit\u0103. Acum nu doar c\u0103 sunt c\u00e2\u0219tigate de ideea concilierii ca atare, dar au dep\u0103\u0219it \u0219i crisparea aceea legalist\u0103. Cea \u00een care b\u0103ncile spuneau c\u0103 tot ceea ce fac este legal \u0219i corect. Acum \u0219i-au dat seama c\u0103 nu aceasta este miza, ci o bun\u0103 rela\u021bie cu clien\u021bii lor, prin optimizarea contractelor pe parcursul activit\u0103\u021bii de creditare.<\/p>\n

Reporter: <\/strong>Domnul D\u0103nescu, cum a fost anul 2021, ce provoc\u0103ri au fost pentru sistemul bancar?<\/p>\n

Florin D\u0103nescu:<\/strong> Industria bancar\u0103 a fost, probabil, singura industrie care a oferit \u0219i nu a cerut nimic, comparativ cu alte industrii. Noi, b\u0103ncile, venim dup\u0103 o perioad\u0103 \u00een societatea rom\u00e2neasc\u0103 \u00een care abordarea legislativ\u0103 a fost extrem de dens\u0103 \u0219i nu de pu\u021bine ori advers\u0103 unei economii de pia\u021b\u0103 \u0219i asta a f\u0103cut ca b\u0103ncile s\u0103 se \u00eenchisteze, s\u0103 aib\u0103 o abordare instinctiv\u0103 de protec\u021bie. C\u00e2nd ai o presiune financiar\u0103 \u0219i nu te po\u021bi descurca, te a\u0219tep\u021bi ca \u0219i contractul din trecut s\u0103 se modifice \u00een acord cu realitatea ta. De aceea, pur \u0219i simplu, trebuie o abordare individual\u0103, situa\u021bie cu situa\u021bie. Pe de alt\u0103 parte, abordarea legislativ\u0103 a fost cea care a presat b\u0103ncile spun\u00e2nd, ca un pat al lui Procust, cum s\u0103 se rezolve problemele pentru \u00eentreaga societate. Abordarea este nefunc\u021bional\u0103 pentru orice economie de pia\u021b\u0103.<\/p>\n

Reporter: <\/strong>Care ar fi sfaturile dumneavoastr\u0103 pentru consumatori, cum s\u0103 abordeze \u00eendatorarea pe termen lung?<\/p>\n

Florin D\u0103nescu: <\/strong>Este nevoie de cunoa\u0219tere \u0219i de educa\u021bie financiar\u0103. \u0218i o spun cu respect, pentru c\u0103 fiecare are profesia lui. Exist\u0103 teoria asimetriei informa\u021bionale \u0219i percep\u021bia societ\u0103\u021bii c\u0103 cei care de\u021bin mai mult\u0103 informa\u021bie au o putere injust\u0103 fa\u021b\u0103 de ceilal\u021bi. Dar informa\u021bia st\u0103 la dispozi\u021bia noastr\u0103, fiecare trebuie s\u0103 o procur\u0103m \u0219i s\u0103 o \u00een\u021belegem. \u00cen 50 de ani de comunism toate lucrurile \u021bi se serveau, nu trebuia s\u0103 pui sub semnul \u00eentreb\u0103rii nimic din ce se \u00eent\u00e2mpl\u0103 \u00een jurul t\u0103u, nici nu aveai voie. Ast\u0103zi trebuie s\u0103 te informezi, s\u0103 te autoeduci. Exist\u0103 abordarea long life learning<\/em>, \u00een care toat\u0103 via\u021ba trebuie s\u0103 \u00eenv\u0103\u021b\u0103m, s\u0103 ne mut\u0103m comportamentele.<\/p>\n

Revenind la contractele din domeniul financiar-bancar, trebuie s\u0103 \u00een\u021belegem acest lucru: c\u0103 achizi\u021bia unei case este un contract pe via\u021b\u0103. \u0218i socoteala trebuie f\u0103cut\u0103 cu mare aten\u021bie. \u00cen situa\u021bia de ast\u0103zi cu infla\u021bia: o infla\u021bie nea\u0219teptat\u0103, un r\u0103zboi l\u00e2ng\u0103 noi, cine s-ar fi putut a\u0219tepta la a\u0219a ceva? Aceste evenimente te fac s\u0103 \u00eempar\u021bi la doi c\u00e2nd iei o decizie. Te g\u00e2nde\u0219ti c\u0103 veniturile tale de ast\u0103zi s-ar putea s\u0103 nu mai creasc\u0103, s-ar putea chiar s\u0103 scad\u0103, s-ar putea ca pre\u021burile s\u0103 creasc\u0103 foarte mult, \u0219i c\u00e2nd vrei s\u0103 achizi\u021bionezi un produs sau un serviciu pe termen lung, s\u0103 iei \u00een calcul aceste lucruri. S\u0103 fii nu neap\u0103rat pesimist, ci precaut. Dac\u0103 ai economisi, trebuie s\u0103 a\u0219tep\u021bi p\u00e2n\u0103 la 70 de ani ca s\u0103-\u021bi cumperi o cas\u0103. A-\u021bi cump\u0103ra acea cas\u0103 la 30 de ani, are un cost. Este achizi\u021bionarea unui bun pozi\u021bionat \u00een viitor, mai devreme, dar asta \u00eenseamn\u0103 \u0219i renun\u021barea la alte consumuri viitoare. Adic\u0103 veniturile tale vor fi mai mici \u00een viitor pentru c\u0103 va trebui s\u0103 pl\u0103te\u0219ti ratele.<\/p>\n

Reporter: <\/strong>Domnule Stoica, ce a\u021bi observat \u00een negocierile pe care le-a\u021bi avut cu consumatorii \u0219i b\u0103ncile, care este cauza real\u0103 a problemelor?<\/p>\n

Septimiu Stoica: <\/strong>Rela\u021biile acestea contractuale, \u00een general cele de creditare, trebuie \u00een\u021belese mai profund, trebuie dep\u0103\u0219ite prejudec\u0103\u021bile. \u00cencerc s\u0103 le explic consumatorilor \u0219i paradigma economic\u0103 \u00een care func\u021bioneaz\u0103 banca. Faptul c\u0103 acesta este modus vivendi<\/em> pentru ea: s\u0103 dea bani cu \u00eemprumut \u0219i s\u0103 \u0219i-i recupereze. C\u00e2t despre consumatori, trebuie s\u0103 existe \u00een\u021belegerea faptului c\u0103 tu din viitor te aju\u021bi pe tine din prezent! Mai trebuie \u00eenvins\u0103 \u0219i o prejudecat\u0103 cultural\u0103 r\u0103mas\u0103 la noi, cu privire la rolul nefast al compromisului. Aud nu \u0219tiu c\u00e2\u021bi oameni c\u0103 ei sunt oameni dintr-o bucat\u0103, ei nu fac compromisuri.\u00a0 Dimpotriv\u0103, via\u021ba este f\u0103cut\u0103 numai din compromisuri, trebuie s\u0103 ne \u00eensu\u0219im aceast\u0103 tehnic\u0103! C\u00e2nd mergi pe strad\u0103 \u0219i \u00een aglomera\u021bie \u00eenaintezi mai greu din cauza unui om din fa\u021ba ta sau chiar \u00eel atingi, faptul c\u0103 din asta nu izbucne\u0219te un r\u0103zboi \u00eentre noi, este un compromis pe care \u00eel facem!<\/p>\n

Reporter: <\/strong>\u00cen acest sens, ce sfaturi a\u021bi avea pentru consumatori, ce atitudini trebuie evitate ca s\u0103 aib\u0103 mai mult succes \u00een negociere?<\/p>\n

Septimiu Stoica: <\/strong>S\u0103 nu se \u00eencarce de prejudec\u0103\u021bi, \u00een primul r\u00e2nd. A faptului c\u0103 ei sunt \u00een pozi\u021bia de victime ale unei economii s\u0103lbatice. Nu mai tr\u0103im \u00een paradigma asta de acum 200 de ani cu societatea capitalist\u0103 devoratoare \u0219i a\u0219a mai departe. Este o societate cu regulile sale \u0219i este cea mai bun\u0103 dintre societ\u0103\u021bile posibile, a\u0219a cum spunea Winston Churchill, pentru c\u0103 nu exist\u0103 alta mai bun\u0103. \u00cen negociere nu trebuie s\u0103 urm\u0103re\u0219ti o politic\u0103 de totul sau nimic! Negocierea \u00eenseamn\u0103 ced\u0103ri de ambele p\u0103r\u021bi. Eu \u00eencerc s\u0103 insuflu p\u0103r\u021bilor aflate \u00een negociere c\u0103 nu mai avem echipa A care joac\u0103 \u00eempotriva echipei B. Ci avem o singur\u0103 echip\u0103 care lucreaz\u0103 cu un obiectiv comun, acela de a g\u0103si o solu\u021bie.<\/p>\n

Reporter: <\/strong>Consumatorii a\u0219teapt\u0103 siguran\u021b\u0103, mai ales \u00een perioada aceasta de r\u0103zboi \u0219i de panic\u0103. Avem nevoie de o ancor\u0103 de care s\u0103 ne \u021binem bine.<\/p>\n

Florin D\u0103nescu: <\/strong>\u00centreaga societate, cu instrumentele sale de decizie, de protec\u021bie, de economie de pia\u021b\u0103, trebuie s\u0103 conlucreze la mecanismul siguran\u021bei. Uit\u0103m \u00een dialogul nostru c\u0103 b\u0103ncile ofer\u0103 siguran\u021b\u0103 nu doar clien\u021bilor debitori care iau credite, ci \u0219i celor care au depozite \u0219i economisesc o via\u021b\u0103 \u00eentreag\u0103. Peste 10 milioane de clien\u021bi au depozite. O banc\u0103 func\u021bioneaz\u0103 cu 90% resurse atrase de la deponen\u021bi. Iat\u0103, 10 milioane de deponen\u021bi c\u0103rora \u00een Rom\u00e2nia le oferim siguran\u021b\u0103. Nu au fost semne de \u00eentrebare, nu au fost emo\u021bii \u0219i nici nu vor fi!<\/p>\n

Pe partea cealalt\u0103 sunt 1 milion \u0219i 200 de mii de debitori care cer \u0219i ei siguran\u021b\u0103 \u00een viitor, \u00eentr-un contract pe 20 de ani. \u00centr-o lume total impredictibil\u0103. \u00cen ace\u0219ti 6 ani b\u0103ncile au fost tot mai deschise, observ\u00e2nd c\u0103 se poate. Din 10 negocieri \u00een cadrul CSALB, 9 se \u00eencheie cu acceptarea de c\u0103tre p\u0103r\u021bi a solu\u021biei propus\u0103 de conciliator. Ceea ce este excep\u021bional, 90%. Apoi, faptul c\u0103 s-a cobor\u00e2t \u00een termenul de conciliere la 33 de zile, cu 40% mai jos dec\u00e2t anul trecut, arat\u0103 nu doar buna func\u021bionare a CSALB, a speciali\u0219tilor, ci \u0219i faptul c\u0103 s-a reu\u0219it dep\u0103\u0219irea acestui decalaj de \u00eencredere. Fi\u021bi siguri c\u0103 industria bancar\u0103 este printre primii actori care sus\u021bin societatea rom\u00e2neasc\u0103 \u0219i cu aceast\u0103 perspectiv\u0103: a generozit\u0103\u021bii. Dar ea nu se poate vinde, nu se poate publica!<\/p>\n

Reporter: <\/strong>Dac\u0103 ar fi s\u0103 trimite\u021bi un mesaj c\u0103tre colegii din sistemul bancar, care ar fi acesta?<\/p>\n

Florin D\u0103nescu: <\/strong>\u00cemi pun \u0219i eu \u00eencrederea la b\u0103taie spun\u00e2nd c\u0103 \u0219i ei trebuie s\u0103 aib\u0103 mai mult\u0103 \u00eencredere \u0219i s\u0103 fie mai deschi\u0219i pentru func\u021bionarea acestui mecanism pus la dispozi\u021bie de CSALB. Merit\u0103 investit mai mult \u0219i redu\u0219i timpii de a\u0219teptare.<\/p>\n

Septimiu Stoica: <\/strong>Eu a\u0219 milita, a\u0219 \u00eencerca orice, ca \u00eencrederea s\u0103 devin\u0103 o component\u0103 a societ\u0103\u021bii rom\u00e2ne\u0219ti. Mi-a\u0219 dori ca, consumatorii, s\u0103 cread\u0103 \u00een institu\u021bia aceasta, inclusiv asocia\u021biile lor s\u0103 renun\u021be la suspiciunile pe care par, din diferite motive a le avea. S\u0103 ne stimul\u0103m emo\u021biile bune, constructive \u0219i s\u0103 ne d\u0103m seama c\u0103 lumea este a\u0219a cum ne-o construim. CSALB \u00eencearc\u0103 s\u0103 introduc\u0103 o paradigm\u0103 nou\u0103 \u00een societatea rom\u00e2neasc\u0103 prin care s\u0103 dep\u0103\u0219im r\u0103zboiul tuturor \u00eempotriva tuturor<\/em>. A avea ne\u00een\u021belegeri este absolut uman. Problema este s\u0103 nu le transform\u0103m \u00een r\u0103zboaie. Iar concilierea, mijloacele acestea de a negocia, de a discuta, reprezint\u0103 un efort \u00een care trebuie s\u0103 ne angren\u0103m con\u0219tient.<\/p>\n

Sursa: aici<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Florin D\u0103nescu, Pre\u0219edinte Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Banking News \u2013 21 iunie 2022<\/p>","protected":false},"author":5,"featured_media":11329,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3145059","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nFlorin D\u0103nescu, ARB: \u201eB\u0103ncile trebuie s\u0103 aib\u0103 \u00eencredere \u00een conciliere, s\u0103 fie deschise, s\u0103 investeasc\u0103 mai mult \u0219i s\u0103 reduc\u0103 timpii de a\u0219teptare\u201d - 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\/florin-danescu-arb-bancile-trebuie-sa-aiba-incredere-in-conciliere-sa-fie-deschise-sa-investeasca-mai-mult-si-sa-reduca-timpii-de-asteptare\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florin D\u0103nescu, ARB: \u201eB\u0103ncile trebuie s\u0103 aib\u0103 \u00eencredere \u00een conciliere, s\u0103 fie deschise, s\u0103 investeasc\u0103 mai mult \u0219i s\u0103 reduc\u0103 timpii de a\u0219teptare\u201d - 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