{"id":3156,"date":"2013-10-25T12:13:00","date_gmt":"2013-10-25T09:13:00","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3156"},"modified":"2024-01-20T14:12:23","modified_gmt":"2024-01-20T12:12:23","slug":"editia-4-a-swift-business-forum-romania-eveniment-de-tinuta","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/editia-4-a-swift-business-forum-romania-eveniment-de-tinuta\/","title":{"rendered":"Edi\u0163ia 4-a SWIFT Business Forum Rom\u00e2nia \u2013 un eveniment de \u0163inut\u0103 - only in romanian"},"content":{"rendered":"
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Despre noile tehnologii \u015fi reglement\u0103ri din industria financiar-bancar\u0103<\/h3>

Noile \u00a0reglement\u0103ri, proiectele comunit\u0103\u0163ii financiar-bancare \u015fi adoptarea accelerat\u0103 a noilor tehnologii au fost principalele teme dezb\u0103tute \u00een cadrul celei de-a patra edi\u0163ii a SWIFT Business Forum Rom\u00e2nia, organizat\u0103 la data de 7 noiembrie la Hotelul Intercontinental din Bucure\u015fti, de Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) \u015fi SWIFT, cu sprijinul Allevo \u015fi Finmedia. <\/i><\/p>

Forumul a fost deschis de Rodica Tuchil\u0103, director \u00een cadrul ARB, pre\u015fedinte al Grupului Utilizatorilor SWIFT din Rom\u00e2nia: \u201eAm ini\u0163iat acest eveniment \u00een 2010 pentru a constitui o platform\u0103 de dezbatere a proiectelor importante pe care comunitatea financiar-bancar\u0103 le deruleaz\u0103 \u015fi a provoc\u0103rilor pe care industria trebuie s\u0103 le dep\u0103\u015feasc\u0103. Suntem acum la edi\u0163ia a 4-a \u015fi cel mai important lucru pe care l-am realizat este comunitatea format\u0103 \u00een jurul acestui forum.\u201d<\/p>

Trebuie s\u0103 \u0163inem pasul cu tehnologia<\/h3>

Radu Gra\u0163ian Ghe\u0163ea, pre\u015fedintele Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor, a precizat c\u0103 SWIFT celebreaz\u0103 \u00een 2013 evenimente importante, precum 40 de ani de la \u00eenfiin\u0163are, 10 ani de la prima edi\u0163ie a Standards Forum, dar \u015fi 21 de ani de c\u00e2nd primele b\u0103nci din Rom\u00e2nia au devenit membre SWIFT. \u201eSistemul bancar este unul dintre cele mai importante active ale Rom\u00e2niei. Suntem\u00a0 probabil singura \u0163ar\u0103 din Europa\u00a0 \u00een care statul nu a investit nici un ban pentru a salva sistemul bancar, fapt datorat unei supravegheri foarte stricte a b\u0103ncii centrale, dar \u015fi \u00eencrederii ac\u0163ionarilor b\u0103ncilor str\u0103ine, care au investit masiv pentru a-\u015fi capitaliza subsidiarele de aici. Este, de asemenea, rezultatul faptului c\u0103 sistemul bancar rom\u00e2nesc a stat deoparte de a\u015fa-numitele opera\u0163iuni toxice \u015fi, de ce nu, a unui management foarte bun. \u0162ara are un poten\u0163ial mare, ce a\u015fteapt\u0103 s\u0103 fie exploatat (dac\u0103 ne g\u00e2ndim doar la cele 40 de miliarde de euro sub form\u0103 de fonduri europene ce vor fi alocate de anul viitor), sistemul bancar e solid \u015fi de \u00eencredere, chiar dac\u0103 avem \u00eenc\u0103 o serie de provoc\u0103ri \u00een viitor. \u00a0Din punct de vedere tehnic, trebuie s\u0103 \u0163inem pasul cu tehnologia, SWIFT fiind una dintre infrastructurile importante pentru sectorul financiar-bancar\u201d, a spus reprezentantul bancherilor.<\/p>

3 teme preocupante pentru lumea financiar-bancar\u0103<\/h3>

Christian Kothe, Head of Central and Eastern Europe SWIFT, a men\u0163ionat c\u0103, dac\u0103 p\u00e2n\u0103 acum am fost preocupa\u0163i mai mult de problemele de reglementare ap\u0103rute dup\u0103 criza din 2008, acum se vorbe\u015fte din nou despre orientarea b\u0103ncilor spre clien\u0163i \u015fi crearea unui business sustenabil, nu doar c\u00e2t mai profitabil, cum se \u00eent\u00e2mpla \u00eenainte. Trei teme importante se dezbat \u00een lumea financiar-bancar\u0103: noile reglement\u0103ri, excelen\u0163a opera\u0163ional\u0103 \u015fi dependen\u0163a industriei de tehnologie, de faptul c\u0103 exist\u0103 al\u0163i juc\u0103tori care au interese complet diferite \u00een \u00eencercarea de a schimba tehnologia folosit\u0103 \u00een prezent de b\u0103nci pentru serviciile oferite clien\u0163ilor. \u00cen contextul \u00een care suntem \u00een era tehnologic\u0103, subiectul criminalit\u0103\u0163ii cibernetice este de asemenea dezb\u0103tut pe larg.<\/p>

Marc Pomes Bordedebat, Senior Business Consultant Cash Management&Treasury UTSIT, a amintit c\u0103 mai e pu\u0163in timp p\u00e2n\u0103 la termenul limit\u0103, 1 februarie 2014, de trecere la pl\u0103\u0163ile SEPA pentru schemele credit transfer \u015fi debit direct \u00een zona euro. \u201eSe \u015ftie c\u0103 nu exist\u0103 un plan B, de aceea trebuie s\u0103 fim preg\u0103ti\u0163i p\u00e2n\u0103 la aceast\u0103 dat\u0103, deopotriv\u0103 furnizori \u015fi utilizatori ai serviciilor de pl\u0103\u0163i. Ultimele cifre de la Banca Central\u0103 European\u0103 privind migrarea la SEPA arat\u0103 c\u0103 \u00een cazul transferurilor SEPA, migrarea a trecut de 50%, iar in cazul debitului direct a dep\u0103\u015fit 30%\u201d, a precizat el.<\/p>

Tranzac\u0163iile electronice de valori mari, \u00een continu\u0103 cre\u015ftere<\/h3>

R\u0103zvan Vartolomei, directorul departamentului de pl\u0103\u0163i din cadrul BNR, a f\u0103cut o prezentare a sistemului de pl\u0103\u0163i din Rom\u00e2nia, cu ultimele statistici, din care rezult\u0103 c\u0103 valoarea tranzac\u0163iilor prin sistemul ReGIS de valori mari a crescut \u00een 2012 de la 6,3 la 7,6 miliarde lei. \u00cen privin\u0163a volumelor de tranzac\u0163ii \u00een euro prin sistemul Target2 \u2013 Rom\u00e2nia, acestea au \u00eenregistrat o sc\u0103dere de la 23 miliarde euro \u00een iulie 2013 la 17 miliarde \u00een iulie 2013.<\/p>

Oficialul BNR a vorbit de asemenea despre Target2Securities (T2S), o platform\u0103 de compensare integrat\u0103 furnizat\u0103 de Eurosistem. Depozitarul Central se va conecta la T2S \u00een primul val din 22 iunie 2015 pentru compensarea tranzac\u0163iilor cu titluri \u00een euro, iar ca operator al Target2-Romania, BNR va furniza serviciile de compensare \u00een euro pentru b\u0103ncile rom\u00e2ne\u015fti.<\/p>

\u00centrebat dac\u0103 pl\u0103\u0163ile electronice au mai c\u00e2\u015ftigat teren sau numerarul este \u00een continuare preferat, Vartolomei a confirmat faptul c\u0103 banii cash sunt tradi\u0163ional prefera\u0163i pentru pl\u0103\u0163i, de\u015fi volumul \u015fi valoarea pl\u0103\u0163ilor electronice sunt \u00een continuare \u00een cre\u015ftere, dup\u0103 o scurt\u0103 perioad\u0103 de sc\u0103dere \u00een primii doi ani de dup\u0103 izbucnirea crizei din 2008. Din studiile realizate de BNR rezult\u0103 c\u0103 numerarul este \u00een continuare foarte utilizat, \u00een propor\u0163ie de 80-90% \u00een cadrul pl\u0103\u0163ilor uzuale \u00eentre persoane fizice, ceea ce \u00eenseamn\u0103 un mare poten\u0163ial de cre\u015ftere a tranzac\u0163iilor electronice.<\/p>

B\u0103ncile trebuie s\u0103 se preg\u0103teasc\u0103 pentru noi concuren\u0163i<\/h3>

Mirela Iovu, vicepre\u015fedinte la CEC Bank , a prezentat stadiul noilor reglement\u0103ri cu privire la serviciile de pl\u0103\u0163i. Este vorba de noile regulamente privind trecerea la pl\u0103\u0163ile SEPA, obligatorii pentru zona euro din 1 februarie 2014 \u00een privin\u0163a SEPA Credit Transfer (SCT) \u015fi SEPA Direct Debit (SDD). Pentru \u0163\u0103rile din afara zonei euro, pl\u0103\u0163ile SEPA vor fi obligatorii \u00eencep\u00e2nd cu 31 octombrie 2016. Ea a prezentat, de asemenea, nout\u0103\u0163ile pe care le aduce revizuirea Directivei Serviciilor de Pl\u0103\u0163i (PSD2), prin \u00eembun\u0103t\u0103\u0163irea nivelului de accesibilitate a tuturor p\u0103r\u0163ilor implicate \u00een domeniul pl\u0103\u0163ilor \u015fi deschiderea pie\u0163ei c\u0103tre noi juc\u0103tori, b\u0103ncile trebuind s\u0103 fie preg\u0103tite pentru a face fa\u0163\u0103 unor noi concuren\u0163i din afara sistemului.<\/p>

Depozitarul Central intr\u0103 \u00een sistemul european unic de compensare<\/h3>

Adriana T\u0103n\u0103soiu, director general la Depozitarul Central, a spus c\u0103 lumea financiar-bancar\u0103 devine tot mai mult un loc al colabor\u0103rii \u015fi inov\u0103rii, nu doar un spa\u0163iu pentru concuren\u0163\u0103: \u201e\u00cen lumea depozitarilor avem chiar un nou termen. Noi spunem c\u0103 depozitarii concureaz\u0103, dar \u00een acela\u015fi timp colaboreaz\u0103 unii cu al\u0163ii, a\u015fa c\u0103 acum avem a\u015fa-numita coopetition. \u015ei noi ne confrunt\u0103m cu schimb\u0103rile provocate de noile reglement\u0103ri, dar \u015fi de schimb\u0103rile opera\u0163ionale. Vorbim de crearea unui sistem european unic de compensare, Target2Securities, derulat de c\u0103tre Banca Central\u0103 European\u0103\u201d.<\/p>

Pl\u0103\u0163ile instant sunt covorul ro\u015fu pentru pl\u0103\u0163ile mobile<\/h3>

Ionel Dumitru, consilierul pre\u015fedintelui Transfond, a vorbit, printre altele, despre noul sistem de pl\u0103\u0163i instant, ce va fi disponibil, din 2015, 24 de ore din 24, 7 zile din 7, timpul de realizare a tranzac\u0163iei fiind de 15 secunde. Compensarea se va face de dou\u0103 ori pe zi, \u00eens\u0103 ceea ce este specific pentru noul sistem este c\u0103 fiecare plat\u0103 va fi creditat\u0103 instant \u00een contul creditorului, a beneficiarului, iar banca va primi banii dup\u0103 compensare, ceea ce este diferit de actualele proceduri.<\/p>

\u201eAnticip\u0103m c\u0103 lansarea va fi \u00een 2015. Sistemul este complet asigurat cu lichiditate, deci fiecare banc\u0103 trebuie s\u0103-\u015fi asigure pozi\u0163ia permanent si va trebui s\u0103 deschidem sistemul spre noi dezvolt\u0103ri, precum pl\u0103\u0163ile cu telefoanele mobile \u015fi internet\u201d, a spus el.<\/p>

Pl\u0103\u0163ile prin re\u0163elele sociale amenin\u0163\u0103 monopolul b\u0103ncilor<\/h3>

Sorin Guiman, directorul general Allevo a fost de acord c\u0103 noile tehnologii schimb\u0103 at\u00e2t comportamentul oamenilor, c\u00e2t \u015fi practicile de afaceri cu care eram obi\u015fnui\u0163i, astfel c\u0103 furnizorii de servicii \u015fi de produse trebuie s\u0103 se adapteze noilor realit\u0103\u0163i \u00een care oamenii \u00ee\u015fi schimb\u0103 comportamentul: \u201eCred c\u0103 impactul este uria\u015f, iar lumea devine cu adev\u0103rat foarte interesant\u0103.\u201d<\/p>

Mircea Mih\u0103escu, director IT Strategy and Technology Innovation la Sberbank (Rusia), a spus c\u0103 noile re\u0163ele sociale permit \u015fi dezvoltarea de servicii financiare, precum trimiterea de bani \u00eentre prieteni, credite tip P2P (peer-to-peer) \u015fi chiar micro-creditare: \u201eExist\u0103 deja aproape 50 de companii care ofer\u0103 credite tip peer-to-peer \u015fi c\u00e2teva sute de institu\u0163ii de microcreditare, toate \u00eenfiin\u0163ate \u00een ultimii ani. Este foarte u\u015for s\u0103 oferi aceste servicii financiare acum, \u015fi \u00eenc\u0103 nu vorbim de bitcoin, de aceea b\u0103ncile \u015fi-ar putea pierde monopolul pl\u0103\u0163ilor \u00een viitorul apropiat\u201d.<\/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":"

Pia\u021ba Financiar\u0103, octombrie 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-3156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nEdi\u0163ia 4-a SWIFT Business Forum Rom\u00e2nia \u2013 un eveniment de \u0163inut\u0103 - 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\/editia-4-a-swift-business-forum-romania-eveniment-de-tinuta\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Edi\u0163ia 4-a SWIFT Business Forum Rom\u00e2nia \u2013 un eveniment de \u0163inut\u0103 - 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