{"id":3205,"date":"2014-01-18T11:01:49","date_gmt":"2014-01-18T09:01:49","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3205"},"modified":"2024-01-20T14:11:28","modified_gmt":"2024-01-20T12:11:28","slug":"proiectul-sepa-ron","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/proiectul-sepa-ron\/","title":{"rendered":"PROIECTUL SEPA RON - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3205\" class=\"elementor elementor-3205\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1afb8d e-flex e-con-boxed e-con e-parent\" data-id=\"2c1afb8d\" 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-3f58b05c elementor-widget elementor-widget-text-editor\" data-id=\"3f58b05c\" 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>Pl\u0103\u0163i \u00een moneda na\u0163ional\u0103 la standarde europene<\/h3><p style=\"text-align: justify;\">Zona Unic\u0103 de Pl\u0103\u0163i \u00een Euro (Single Euro Payments Area \u2013 SEPA) este proiectul de cea mai mare anvergur\u0103 derulat de industria european\u0103 a pl\u0103\u0163ilor, av\u00e2nd ca obiectiv crearea unei pie\u0163e integrate pentru serviciile de pl\u0103\u0163i \u00een euro, prin eliminarea barierelor comerciale, legale \u015fi tehnice \u00eentre pie\u0163ele de pl\u0103\u0163i na\u0163ionale din Europa.<\/p><p style=\"text-align: justify;\">Ce \u00eenseamn\u0103 SEPA? Este acea zon\u0103 geografic\u0103 \u00een care pl\u0103\u0163ile f\u0103r\u0103 numerar \u00een euro sunt efectuate prin intermediul unor instrumente de plat\u0103 standardizate: SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD), pl\u0103\u0163i prin carduri conform cadrului armonizat SEPA Cards. Aceste standarde reprezint\u0103 fundamentul dezvolt\u0103rii serviciilor de pl\u0103\u0163i realizate exclusiv electronic,\u00a0 precum efectuarea de pl\u0103\u0163i prin internet \u015fi dispozitive mobile, servicii de facturare electronic\u0103 \u015fi alte servicii electronice cu\u00a0 valoare ad\u0103ugat\u0103.<\/p><p style=\"text-align: justify;\">\u00cen SEPA va fi posibil\u0103 efectuarea de pl\u0103\u0163i \u00een euro \u00eentre orice conturi deschise la b\u0103nci din aceast\u0103 zon\u0103 geografic\u0103, cu aceea\u015fi\u00a0 u\u015furin\u0163\u0103 \u015fi la acela\u015fi nivel de servicii \u015fi securitate cu care acest lucru se poate face ast\u0103zi \u00een cadrul grani\u0163elor na\u0163ionale. Pentru companiile europene, standardele comune, decontarea mai rapid\u0103 \u015fi prelucrarea simplificat\u0103 vor \u00eembun\u0103t\u0103\u0163i fluxurile de pl\u0103\u0163i, vor duce la reducerea costurilor \u015fi vor facilita accesul la noi pie\u0163e. Mai mult, mediul de afaceri poate beneficia de dezvoltarea la nivelul comunit\u0103\u0163ilor na\u0163ionale a unor produse inovatoare, bazate pe standardele SEPA, oferite de furnizorii serviciilor de pl\u0103\u0163i.<\/p><p style=\"text-align: justify;\">Autorit\u0103\u0163ile europene se a\u015fteapt\u0103 ca armonizarea cadrului legal \u015fi a infrastructurilor tehnice de pl\u0103\u0163i la nivel european s\u0103 fluidizeze procesele de afaceri prin \u00eenlocuirea opera\u0163iunilor \u201epe h\u00e2rtie\u201d cu solu\u0163ii electronice standardizate, a\u015fa cum este facturarea\u00a0 electronic\u0103. Documentul, publicat de Comisia European\u0103 \u00een mai 2010, \u201eThe Digital Agenda for Europe\u201c define\u015fte rolul cheie pe care tehnologiile informatice \u015fi de telecomunica\u0163ii \u00eel vor avea \u00een atingerea obiectivelor incluse \u00een Strategia 2020 pentru Europa.<\/p><p style=\"text-align: justify;\">Aria larg\u0103 de cuprindere \u2013 33 de \u0163\u0103ri, peste 500 de milioane de locuitori, precum \u015fi peste 9.300 de institu\u0163ii ce ofer\u0103 servicii de\u00a0 pl\u0103\u0163i, dar \u015fi num\u0103rul mare de actori implica\u0163i \u00een procesele de pl\u0103\u0163i sunt factori ce cresc dificultatea proiectului SEPA.<\/p><p style=\"text-align: justify;\">Regulamentul SEPA adoptat \u00een februarie 2012 de c\u0103tre autorit\u0103\u0163ile europene introduce termene limit\u0103 pentru migrarea la instrumentele de plat\u0103 \u00een euro SCT \u015fi SDD. Prin aceast\u0103 reglementare, toate entit\u0103\u0163ile implicate \u00een procesele de pl\u0103\u0163i \u2013 consumatori, corpora\u0163ii, administra\u0163iile publice \u015fi, evident, institu\u0163iile de credit \u015fi cele de pl\u0103\u0163i \u2013 au obliga\u0163ia de a realiza migrarea la instrumentele de plat\u0103 SEPA \u00een termenele prev\u0103zute de regulament: 1 februarie 2014 \u2013 cu o perioad\u0103 de tranzi\u0163ie de 6 luni\u00a0 recent stabilit\u0103 de Comisia European\u0103 \u2013 pentru \u0163\u0103rile din zona euro \u015fi 31 octombrie 2016 pentru \u0163\u0103rile din zona non-euro.<\/p><p style=\"text-align: justify;\">Pentru institu\u0163iile de credit \u015fi infrastructurile de pl\u0103\u0163i, dar \u015fi pentru companiile de orice m\u0103rime, SEPA este o oportunitate de a\u00a0 evalua aplica\u0163iile de pl\u0103\u0163i curente \u015fi de a adopta o decizie privind schimbarea \u00een viitor a modului de efectuare a pl\u0103\u0163ilor. Reproiectarea procese lor de pl\u0103\u0163i pe baza unor solu\u0163ii inovatoare de tip \u201eend-to-end\u201d poate genera c\u00e2\u015ftiguri substan\u0163iale privind eficien\u0163a pl\u0103\u0163ilor \u015fi reducerea costurilor, prin standardizare, automatizare \u015fi centralizare.<\/p><p style=\"text-align: justify;\">Disponibilitatea unor infrastructuri de pl\u0103\u0163i standardizate \u00een SEPA deschide noi oportunit\u0103\u0163i pentru expansiunea opera\u0163iunilor dincolo de grani\u0163ele na\u0163ionale, sistemele \u015fi formatele de pl\u0103\u0163i fragmentate existente \u00een prezent \u00een Europa fiind un obstacol\u00a0 semnificativ pentru extinderea opera\u0163iunilor companiilor pe alte pie\u0163e.<\/p><p style=\"text-align: justify;\">\u00cen cadrul eforturilor de optimizare continu\u0103 a produselor \u015fi serviciilor oferite clien\u0163ilor \u015fi de adaptare la cerin\u0163ele \u015fi practicile\u00a0 europene, comunitatea bancar\u0103 din Rom\u00e2nia a hot\u0103r\u00e2t s\u0103 aplice standardele europene \u015fi pentru pl\u0103\u0163ile na\u0163ionale \u00een lei, \u00eenainte de\u00a0 trecerea la moneda euro, prin adoptarea Schemelor de pl\u0103\u0163i SEPA pentru opera\u0163iunile de transfer credit \u015fi debitare direct\u0103.\u00a0 Proiectul SEPA pentru pl\u0103\u0163ile \u00een moneda na\u0163ional\u0103 este derulat de institu\u0163iile de credit \u00eempreun\u0103 cu TransFonD, operatorul infrastructurii de pl\u0103\u0163i din Rom\u00e2nia, cu sprijinul B\u0103ncii Na\u0163ionale a\u00a0 Rom\u00e2niei.<\/p><p style=\"text-align: justify;\">Adoptarea standardelor SEPA pentru pl\u0103\u0163ile \u00een lei este subiectul unui proces de auto-reglementare la nivelul comunit\u0103\u0163ii bancare,\u00a0 care a fost demarat la ini\u0163iativa \u015fi cu sus\u0163inerea B\u0103ncii Centrale \u015fi s-a concretizat prin semnarea \u00een septembrie 2012 a Conven\u0163iei\u00a0 privind Schemele na\u0163ionale de pl\u0103\u0163i, ce include Schemele SEPA de transfer credit \u015fi debitare direct\u0103 adaptate pentru pl\u0103\u0163ile \u00een lei.\u00a0 \u00cen procesul de autoreglementare, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, \u00een baza mandatului primit de la Banca Central\u0103, a preluat rolul de autoritate de guvernan\u0163\u0103 a Schemelor SEPA RON.<\/p><p style=\"text-align: justify;\">O prim\u0103 etap\u0103 a proiectului SEPA RON a fost realizat\u0103 prin lansarea \u00een produc\u0163ie a sistemului TransFonD pentru pl\u0103\u0163ile de mic\u0103\u00a0 valoare SEPA RON \u2013 componenta transfer credit, \u00een luna noiembrie 2012, etapa urm\u0103toare pentru lansarea componentei de debitare direct\u0103 fiind planificat\u0103 pentru sf\u00e2r\u015fitul acestui an.<\/p><p style=\"text-align: justify;\">Adoptarea Schemelor SEPA pentru pl\u0103\u0163ile \u00een lei are ca obiective principale uniformizarea fluxurilor de pl\u0103\u0163i \u00een lei \u015fi \u00een euro, automatizarea \u015fi facilitarea conexiunilor informatice cu clien\u0163ii corporati\u015fti cu o structur\u0103 informa\u0163ional\u0103 stabil\u0103, dezvoltarea instrumentului debitare direct\u0103 \u00een conformitate cu standardele europene, ceea ce ar permite accesul mai facil al clien\u0163ilor la acest instrument \u015fi adoptarea lui pe scar\u0103 larg\u0103, dar \u015fi diminuarea presiunii investi\u0163ionale \u015fi opera\u0163ionale determinate de adoptarea\u00a0 euro.<\/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-a839f7f elementor-widget elementor-widget-button\" data-id=\"a839f7f\" 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=\"http:\/\/wp-content\/uploads\/PF_ianuarie_februarie_2014.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>Pl\u0103\u0163i \u00een moneda na\u0163ional\u0103 la standarde europene<\/h3>\n<p>Rodica Tuchil\u0103, Director, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor &#8211; <em>Pia\u021ba Financiar\u0103, ianuarie\/februarie 2014<\/em><\/p>","protected":false},"author":3,"featured_media":2646513,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3205","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>PROIECTUL SEPA RON - 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\/proiectul-sepa-ron\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PROIECTUL SEPA RON - Asocia\u021bia 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