{"id":3340123,"date":"2022-09-13T09:45:15","date_gmt":"2022-09-13T06:45:15","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3340123"},"modified":"2023-12-21T20:25:38","modified_gmt":"2023-12-21T18:25:38","slug":"nu-predai-fara-sa-inveti-educatia-financiara-este-calea-spre-bunastare-economica","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/nu-predai-fara-sa-inveti-educatia-financiara-este-calea-spre-bunastare-economica\/","title":{"rendered":"NU PREDAI F\u0102R\u0102 S\u0102 \u00ceNVE\u0162I \u2013 \u201eEduca\u0163ia financiar\u0103 este calea spre bun\u0103stare economic\u0103\u201d - only in romanian"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong><em>&#8222;Educa\u0163ia financiar\u0103 este calea spre bun\u0103stare economic\u0103&#8221;, <\/em>opineaz\u0103 Gabriela Folcu\u0163, Directorul Executiv al Asocia\u0163iei Rom\u00e2ne a (B\u0103ncilor ARB). Domnia sa consider\u0103 c\u0103 cel mai important progres al sistemului de \u00eenv\u0103\u0163\u0103m\u00e2nt, care s-a adaptat nevoilor actuale, a fost introducerea disciplinei obligatorii de educa\u0163ie financiar\u0103 la clasa VIII-a.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care sunt cele mai mari neajunsuri ale sistemului de \u00eenv\u0103\u0163\u0103m\u00e2nt \u00een ceea ce prive\u015fte educa\u0163ia financiar\u0103? Se implic\u0103 sistemul educa\u0163ional \u00een formarea tinerilor din punct de vedere financiar?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> La nivelul societ\u0103\u0163ii rom\u00e2ne\u015fti, educa\u0163ia financiar\u0103 a fost privit\u0103 ca o ramur\u0103 sofisticat\u0103 \u015fi inaccesibil\u0103 a educa\u0163iei. Aceasta a fost asociat\u0103 uneori, \u00een mod eronat, ca fiind o problematic\u0103 de interes specific\u0103 mai degrab\u0103 societ\u0103\u0163ilor dezvoltate. Educa\u0163ia financiar\u0103 este un instrument de impulsionare a dezvolt\u0103rii economice, nu o rezultant\u0103 a sa. Un nivel crescut de educa\u0163ie financiar\u0103 genereaz\u0103 schimb\u0103ri comportamentale, care contribuie la \u00eembun\u0103t\u0103\u0163irea sustenabilit\u0103\u0163ii financiare, la consolidarea gradului de bun\u0103stare a rom\u00e2nilor \u015fi la dezvoltarea economic\u0103.<\/p>\n<p style=\"text-align: justify;\">Sistemul de \u00eenv\u0103\u0163\u0103m\u00e2nt s-a adaptat la nevoile actuale \u015fi consider c\u0103 cel mai important progres a fost introducerea disciplinei obligatorii de educa\u0163ie financiar\u0103 la clasa VIII-a.<\/p>\n<p style=\"text-align: justify;\">O cercetare de pia\u0163\u0103 realizat\u0103 \u00een r\u00e2ndul populatiei \u00een urm\u0103 cu \u015fase ani a relevat c\u0103, \u00een percep\u0163ia public\u0103, \u015fcoala (79%), b\u0103ncile (66%) \u015fi mass media (65%) sunt responsabile de educa\u0163ia financiar\u0103 a popula\u0163iei.<\/p>\n<p style=\"text-align: justify;\">Rom\u00e2nia ar trebui s\u0103 fie preocupat\u0103 de exodul popula\u0163iei. \u00cenainte de pandemie, o pondere de 25% din for\u0163a de munc\u0103 activ\u0103 din Rom\u00e2nia a emigrat.<\/p>\n<p style=\"text-align: justify;\">Lipsa de alternativ\u0103 optim\u0103 \u00een pia\u0163a muncii din Rom\u00e2nia \u015fi educa\u0163ia sc\u0103zut\u0103 pe tot parcursul vie\u0163ii &#8222;LLL&#8221; \u00een r\u00e2ndul adul\u0163ilor, de 0,9% fa\u0163\u0103 de 11% \u00een UE, sunt, al\u0103turi de o cultura sc\u0103zut\u0103 de alfabetizare financiar\u0103, unele dintre cauzele pentru nivelul actual al gradului de s\u0103r\u0103cie din Rom\u00e2nia.<\/p>\n<p style=\"text-align: justify;\">Rata de s\u0103r\u0103cie \u015fi excluziune social\u0103 este de 35,8% \u00een Rom\u00e2nia, fa\u0163\u0103 de o medie european\u0103 de 22%.<\/p>\n<p style=\"text-align: justify;\">Noi to\u0163i avem idei \u015fi priorit\u0103\u0163i, dintre care unele sunt convergente, iar altele mai pu\u0163in. Educa\u0163ia financiar\u0103 este o prioritate convergent\u0103 pentru noi to\u0163i, fie c\u0103 vorbim de sectorul public sau de cel privat. Educa\u0163ia financiar\u0103 este una dintre priorit\u0103\u0163ile autorit\u0103\u0163ilor nationale si europene, mai ales c\u0103 un european din doi este alfabetizat financiar.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care crede\u0163i c\u0103 ar fi solu\u0163iile pentru rezolvarea situa\u0163iei actuale? Cum se implic\u0103 sectorul bancar \u00een educarea copiilor \u015fi a tinerilor?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Rom\u00e2nia poate stabili ca obiectiv na\u0163ional bun\u0103starea economic\u0103, m\u0103surat\u0103 ca PIB per capita. Intermedierea financiar\u0103 creeaz\u0103 premisele necesare cre\u015fterii economice viitoare. Influen\u0163a pozitiv\u0103 a intermedierii financiare asupra dezvolt\u0103rii economice a unei \u0163\u0103ri este stabilit\u0103 prin corela\u0163ia puternic\u0103, de 0,8. Pentru accelerarea intermedierii financiare pe baze sustenabile \u015fi a incluziunii financiare, se impune cre\u015fterea nivelului educa\u0163iei financiare. Piatra de temelie a unei economii dezvoltate \u015fi integrate este educa\u0163ia, \u00een toate formele acesteia. \u00cen mod paradoxal, oportunitatea vine exact din zona \u00een care ast\u0103zi putem s\u0103 spunem c\u0103 \u00eenregistr\u0103m caren\u0163e.<\/p>\n<p style=\"text-align: justify;\">Trebuie adresate m\u0103suri pentru cre\u015fterea nivelului de educa\u0163ie financiar\u0103 \u015fi de preg\u0103tire \/ reorientare profesional\u0103 pe tot parcursul vie\u0163ii.<\/p>\n<p style=\"text-align: justify;\">Strategia Na\u0163ional\u0103 de Educa\u0163ie Financiar\u0103, care speram c\u0103 va fi asumat\u0103 \u015fi aprobat\u0103 la nivel guvernamental \u00een acest an, urmeaz\u0103 prin planul de ac\u0163iune s\u0103 adreseze m\u0103suri calibrate pe segmentele de popula\u0163ie.<\/p>\n<p style=\"text-align: justify;\">Trebuie s\u0103 extindem conceptele financiare \u00een programa \u015fcolar\u0103 \u015fi s\u0103 form\u0103m profesorii pe o baz\u0103 mai larg\u0103. Acest aspect va cre\u015fte gradul de educa\u0163ie a viitorilor utilizatori de produse \u015fi servicii financiare.<\/p>\n<p style=\"text-align: justify;\">Vom continua s\u0103 adres\u0103m prin programe specifice cre\u015fterea gradului de alfabetizare financiar\u0103 a adul\u0163ilor, evident acolo unde este cazul.<\/p>\n<p style=\"text-align: justify;\">Mai r\u0103m\u00e2ne ca o parte dintre rom\u00e2nii adul\u0163i s\u0103 \u00eembr\u0103\u0163i\u015feze \u015fi alt\u0103 cultur\u0103, cum este cea economico financiar\u0103. Societatea rom\u00e2neasc\u0103 are nevoie de modele care pot genera o dezvoltare pe vertical\u0103 a culturii economice \u00een Rom\u00e2nia. Numai a\u015fa Rom\u00e2nia poate progresa. Un exemplu concludent privind nivelul sc\u0103zut de educa\u0163ie pe tot parcursul vie\u0163ii este cel legat de costul la nivelul economiei determinat de lipsa de competen\u0163e adecvate \u00een pia\u0163a muncii.<\/p>\n<p style=\"text-align: justify;\">O solu\u0163ie pentru o mai bun\u0103 integrare financiar\u0103 este \u015fi implementarea unui program european de cre\u015ftere a nivelului de educa\u0163ie financiar\u0103. Astfel, piatra de temelie a acestei armoniz\u0103ri ar trebui s\u0103 fie introducerea \u00een curricula \u015fcolar\u0103 obligatorie a educa\u0163iei financiare pentru to\u0163i cet\u0103\u0163enii Uniunii Europene.<\/p>\n<p style=\"text-align: justify;\">\u00cen acest moment, UE se confrunt\u0103 cu consecin\u0163ele conflictului din Ucraina, cu fenomenul migra\u0163iei \u015fi cu discrepan\u0163ele \u00een materie de bun\u0103stare economic\u0103 care s-au accentuat \u00een perioada pandemiei.<\/p>\n<p style=\"text-align: justify;\">Uniunea European\u0103 ar trebui s\u0103 creeze cadrul unitar pe care statele, \u00een special cele emergente, s\u0103-l aplice uniform. Sustenabilitatea proiectului european depinde \u015fi de nivelul de educa\u0163ie financiar\u0103, iar integrarea facil\u0103 a cet\u0103\u0163enilor europeni se poate face prin aportul educa\u0163ional al fiec\u0103rui stat \u00een parte.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Ce programe educa\u0163ionale deruleaz\u0103 ARB, \u00een general, \u015fi b\u0103ncile, \u00een particular, \u015fi \u00een ce constau aceste programe? \u00cen ce mod colaboreaz\u0103 ARB cu autorit\u0103\u0163ile pentru ca \u00een \u015fcoli s\u0103 existe \u015fi cursuri de educa\u0163ie financiara pe scar\u0103 larg\u0103?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Educa\u0163ia financiar\u0103 este \u00een centrul preocup\u0103rilor noastre, ca industrie bancar\u0103, pentru c\u0103 este calea spre bun\u0103stare economic\u0103, at\u00e2t la nivel individual, c\u00e2t \u015fi la nivelul \u00eentregii societ\u0103\u0163i rom\u00e2ne\u015fti. \u00cencrederea se poate construi prin cunoa\u015ftere, iar cunoa\u015fterea o dob\u00e2ndim prin educa\u0163ie. B\u0103ncile desf\u0103\u015foar\u0103 o serie de programe de educa\u0163ie financiar\u0103, iar Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor sus\u0163ine aceste demersuri de cre\u015ftere a nivelului de alfabetizare financiar\u0103.<\/p>\n<p style=\"text-align: justify;\">La nivelul Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor, programele de educa\u0163ie financiar\u0103 au debutat \u00een urm\u0103 cu 11 ani. ARB este implicat\u0103 \u00een nucleul de baz\u0103 care elaboreaz\u0103 Strategia Na\u0163ional\u0103 de Educa\u0163ie Financiar\u0103. Cel mai important lucru pe care-l vom face este s\u0103 ne implic\u0103m \u00een implementarea planului de ac\u0163iune aferent Strategiei Na\u0163ionale de Educa\u0163ie Financiar\u0103.<\/p>\n<p style=\"text-align: justify;\">Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor desf\u0103\u015foar\u0103 programe de educa\u0163ie financiar\u0103 pentru profesori, elevi, adul\u0163i \u015fi antreprenori, lista programelor prezentate nefiind exhaustiv\u0103.<\/p>\n<ul style=\"text-align: justify;\">\n<li><strong> Asocia\u0163ia desf\u0103\u015foar\u0103 dou\u0103 tipuri de cursuri pentru specializarea profesorilor:<\/strong><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\u2713 BNR, ARB, ASF, prin intermediul IBR, au acreditat la Ministerul Educa\u0163iei singurul curs integral de educa\u0163ie financiar\u0103 destinat profesorilor care predau disciplina obligatorie &#8222;Educa\u0163ie social\u0103&#8221; elevilor de clasa a VIII-a. Sistemul bancar contribuie indirect la formarea tinerei genera\u0163ii \u015fi la cre\u015fterea gradului de educa\u0163ie financiar\u0103. \u00cen primul an de la acreditare au fost forma\u0163i 455 de profesori, ceea ce, prin efectul de multiplicare, \u00eenseamn\u0103 c\u0103 cel pu\u0163in 50.000 de elevi vor fi forma\u0163i anual de c\u0103tre ace\u015fti profesori. Cursul este acreditat pe o perioad\u0103 de 4 ani.<\/p>\n<p style=\"text-align: justify;\">\u2713 ARB a continuat Programul de Formare Continu\u0103 &#8222;Educa\u0163ie Financiar Bancar\u0103 pentru Profesori&#8221; fiind forma\u0163i deja 700 de profesori care predau educa\u0163ie financiar\u0103 elevilor din clasele I-XII. Cursul este primul program intensiv dedicat profesorilor din Rom\u00e2nia \u015fi urm\u0103re\u015fte aprofundarea sau \u00een\u0163elegerea conceptelor cheie \u00een ceea ce prive\u015fte func\u0163ionarea sistemului bancar pe care le disemineaz\u0103 elevilor \u00een cadrul orelor de dirigen\u0163ie, economie \u015fi educa\u0163ie financiar\u0103\/antreprenorial\u0103.<\/p>\n<p style=\"text-align: justify;\">&#8211; Campania de educa\u0163ie financiar\u0103 \u015fi digital\u0103 &#8222;Pastila de bun\u0103stare&#8221;, care este realizat\u0103 de ARB \u00een cadrul campaniei #dreptullabanking, con\u0163ine 20 de pastile video difuzate la TV. Fiecare pastil\u0103 video se centreaz\u0103 \u00een jurul unei teme concrete privind utilizarea unui serviciu\/produs bancar.<\/p>\n<p style=\"text-align: justify;\">&#8211; Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor a realizat \u00eempreun\u0103 cu Poli\u0163ia Rom\u00e2n\u0103 \u015fi Directoratul Na\u0163ional de Securitate Cibernetic\u0103 o campanie de educa\u0163ie digital\u0103, clien\u0163ii put\u00e2nd accesa site-ul <a href=\"https:\/\/www.sigurantaonline.ro\/\">www.sigurantaonline.ro<\/a> .<\/p>\n<p style=\"text-align: justify;\">&#8211; Asocia\u0163ia a realizat o serie de tutoriale ce con\u0163in sfaturi pentru antreprenori oferite de exper\u0163i din zona bancar\u0103.<\/p>\n<p style=\"text-align: justify;\">&#8211; ARB este implicat\u0103 al\u0103turi de autorit\u0103\u0163i \u00een organizarea de programe de educa\u0163ie financiar\u0103 la nivel na\u0163ional pentru elevii de gimnaziu \u015fi din licee, precum \u015fi pentru antreprenori.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Care este feedbackul din partea elevilor \u015fi a p\u0103rin\u0163ilor legat de existen\u0163a unor astfel de programe? Acolo unde exist\u0103 cursuri de educa\u0163ie financiar\u0103, care sunt rezultatele?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Elevii sunt foarte receptivi la no\u0163iunile de educa\u0163ie financiar\u0103 \u015fi digital\u0103. Educa\u0163ia financiar\u0103 conduce la cre\u015fterea bun\u0103st\u0103rii financiare individuale, a capacit\u0103\u0163ii de suplimentare a fondurilor pentru pensie \u015fi a rezilien\u0163ei \u00een fa\u0163a unor factori de risc, cum este o criz\u0103 economic\u0103.<\/p>\n<p style=\"text-align: justify;\">Elevii din Rom\u00e2nia au ocupat locul al \u015faptelea \u00een r\u00e2ndul a 29 de state europene, \u00een cadrul concursului European Money Quiz. Premina\u0163ii \u00een materie de educa\u0163ie financiar\u0103 au plasat Rom\u00e2nia \u00een top 10 european \u015fi acest rezultat se datoreaz\u0103 progreselor din ultimii ani \u00een aria educa\u0163iei financiare.<\/p>\n<p style=\"text-align: justify;\">Digitalizarea este cea care a fost impulsionat\u0103 \u00een perioada pandemiei, ceea ce a condus la cre\u015fterea nivelului de educa\u0163ie digital\u0103. Digitalizarea nu a \u00eenceput, ci a accelerat \u00een perioada pandemiei. Aceast\u0103 trecere la cashless, contactless a accelerat puternic \u00een aceast\u0103 perioad\u0103.<\/p>\n<p style=\"text-align: justify;\">\u00cen anul 2015, 94% din pl\u0103\u0163ile de retail erau efectuate cash, dar dup\u0103 primul an de pandemie un sondaj realizat de IRES 2020 ne arat\u0103 c\u0103 27% dintre rom\u00e2nii care au cont bancar pl\u0103tesc prin Internet \u015fi mobile banking. Pornim de la paradigma c\u0103 6% erau pl\u0103\u0163i electronice \u00een 2015, iar \u00een 2020, 27% pl\u0103tesc prin internet \u015fi mobile banking.<\/p>\n<p style=\"text-align: justify;\">\u015ei plata cu cardul a \u00eenregistrat o cre\u015ftere sus\u0163inut\u0103. Valoarea \u015fi num\u0103rul tranzac\u0163iilor de plat\u0103 cu cardurile emise de prestatorii de servicii de plat\u0103 reziden\u0163i au crescut cu 53,3% \u00een decembrie 2021 versus decembrie 2019, \u00een cei doi ani de pandemie.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Ce, mai exact, ar trebui s\u0103 \u015ftie orice t\u00e2n\u0103r, c\u00e2nd intr\u0103 \u00eentr-o banc\u0103?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Sistemul bancar a pus la dispozitia popula\u0163iei site-ul <a href=\"https:\/\/www.educatiefinanciara.info\/\">www.educatiefinanciara.info<\/a>, unde consumatorii g\u0103sesc informa\u0163ii despre modul optim de utilizare a produselor \u015fi serviciilor bancare. Este \u00een beneficiul fiec\u0103rui client s\u0103 parcurg\u0103 informa\u0163iile pentru a cunoa\u015fte avantajele, dar \u015fi riscurile.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Cum se r\u0103sfr\u00e2nge \u00een buzunarele noastre lipsa de educa\u0163ie financiar\u0103?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> Ne dorim ca rom\u00e2nii s\u0103 nu mai afle reactiv de riscurile unei crize \u00een momentul \u00een care resimt efectele crizei. Educa\u0163ia financiar\u0103 realizat\u0103 pe baze constante i-ar putea determina s\u0103 ac\u0163ioneze proactiv \u015fi i-ar proteja de astfel de momente mai pu\u0163in pl\u0103cute. \u00cen mod proactiv, consumatorii ar putea s\u0103 adopte m\u0103suri de cre\u015ftere a rezilien\u0163ei la nivel individual.<\/p>\n<p style=\"text-align: justify;\">Prin educa\u0163ie financiar\u0103 cre\u015ftem num\u0103rul persoanelor care ar putea concepe \u015fi implementa m\u0103suri de redresare individual\u0103, ceea ce ar reduce presiunea fiscal\u0103, mai ales \u00een perioadele de criz\u0103, si presiunea social\u0103.<\/p>\n<p style=\"text-align: justify;\">Rom\u00e2nii au avut acces t\u00e2rziu la produsele \u015fi serviciile financiare. \u00cen vremea comunismului, doar 5% dintre rom\u00e2ni aveau un cont curent, iar \u00een primul deceniu de dup\u0103 revolu\u0163ie al\u0163i 12% au deschis un cont curent, potrivit unui studiu IRES. \u00cencep\u00e2nd cu anul 2000, aproximativ 77% dintre rom\u00e2ni au deschis un cont curent la banc\u0103.<\/p>\n<p style=\"text-align: justify;\">Unii oameni trebuie sa ias\u0103 din bula &#8222;nu sunt interesat de educa\u0163ie financiar\u0103&#8221; pentru c\u0103 nu folosesc produse si servicii financiare. Educa\u0163ia financiar\u0103 \u00eenseamn\u0103 inclusiv s\u0103 cuno\u015fti poten\u0163ialul impact al unei situa\u0163ii\/crize \u015fi s\u0103 adop\u0163i m\u0103suri economice \u00een beneficiul propriu.<\/p>\n<p style=\"text-align: justify;\">La nivel mondial se discut\u0103 de probabilitatea unei recesiuni, aspect probabil. Un nivel crescut de educa\u0163ie financiar\u0103 te determin\u0103 s\u0103 adop\u0163i o conduit\u0103 optim\u0103 \u00een fa\u0163a consecin\u0163elor unei contrac\u0163ii a economiei. Abordarea trebuie sa fie una proactiv\u0103, nu una reactiv\u0103. F\u0103r\u0103 un nivel adecvat de educa\u0163ie financiar\u0103, rezilien\u0163a \u00een fa\u0163a unei crize este redus\u0103.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Unde ne afl\u0103m pe harta european\u0103 din punct de vedere al educa\u0163iei financiare?<\/p>\n<p style=\"text-align: justify;\"><strong>Gabriela Folcu\u0163:<\/strong> La 15 ani de la integrarea \u00een Uniunea European\u0103, rom\u00e2nii au traversat deja dou\u0103 crize \u00een calitate de cet\u0103\u0163eni europeni, prima fiind criza financiar\u0103 decla\u015fat\u0103 la scurt timp dup\u0103 aderarea la UE. \u00cen prezent, travers\u0103m cel pu\u0163in trei crize suprapuse: criza de s\u0103n\u0103tate, criza energetic\u0103 \u015fi criza declan\u015fat\u0103 de r\u0103zboiul Rusia- Ucraina.<\/p>\n<p style=\"text-align: justify;\">Consider c\u0103 acestea sunt \u015fi argumentele pentru care parcursul Rom\u00e2niei \u00een marea familie european\u0103 nu a fost mai degrab\u0103 unul alert. Rom\u00e2nia se eviden\u0163iaz\u0103 ca fiind statul european aflat la coada plutonului UE \u00een materie de incluziune financiar\u0103 (69%), intermediere financiar\u0103 (27%), \u00een timp ce scorul de alfabetizare financiar\u0103 este de 11,2. La nivel mondial, aproximativ un cet\u0103\u0163ean din trei este educat financiar, \u00een timp ce \u00een Europa 52% dintre adul\u0163i sunt educa\u0163i din punct de vedere financiar.<\/p>\n<p style=\"text-align: justify;\">Scorul mediu de alfabetizare financiar\u0103 \u00een cele 26 de \u0163\u0103ri participante la studiul OECD este de doar 12,7 din 21 \u015fi 13 doar pentru \u0163\u0103rile membre OECD. Scorurile mai mici au fost ob\u0163inute de adul\u0163ii din Italia (11.1), Rom\u00e2nia (11.2) \u015fi Columbia (11.2).<\/p>\n<p style=\"text-align: justify;\">Studiul interna\u0163ional privind educa\u0163ia financiar\u0103 a adul\u0163ilor OECD 2020 arat\u0103 c\u0103 \u00een Rom\u00e2nia scorul de educa\u0163ie financiar\u0103, normalizat la 100, este de 53,4, \u00een timp ce scorul mediu de educa\u0163ie financiar\u0103 pentru \u0163\u0103rile cuprinse \u00een studiu este de 60,5. \u00cen Rom\u00e2nia, raport\u0103rile defalcate privind scorul de alfabetizare financiar\u0103 sunt de 48,3 la cuno\u015ftin\u0163e financiare, 55,7 la comportament financiar \u015fi 54,7 la atitudine financiar\u0103.<\/p>\n<p style=\"text-align: justify;\">Rom\u00e2nia, ca stat membru al Uniunii Europene, a \u00eenregistrat progrese notabile \u00een ultimii ani \u00een aria educa\u0163iei financiare. \u00cencep\u00e2nd cu anul \u015fcolar 2020\/2021, elevii de clasa a VIII-a au reprezentat prima genera\u0163ie care a beneficiat de ore obligatorii de educa\u0163ie financiar\u0103, disciplina fiind denumit\u0103 Educa\u0163ie social\u0103. Ast\u0103zi avem deja un draft al Strategiei Na\u0163ionale de Educa\u0163ie Financiar\u0103, care va fi finalizat \u015fi asumat la nivel guvernamental, la care \u015fi noi, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, ne-am adus contribu\u0163ia.<\/p>\n<p style=\"text-align: justify;\">Aceast\u0103 strategie reprezint\u0103 e\u015fafodajul pentru programele de educa\u0163ie care au rolul de a propaga informa\u0163iile de care o parte dintre rom\u00e2ni au nevoie.<\/p>\n<p style=\"text-align: justify;\"><strong>Reporter:<\/strong> Mul\u0163umesc!<\/p>\n<p style=\"text-align: justify;\">Sursa: <a href=\"https:\/\/www.bursa.ro\/supliment-educatia-nu-predai-fara-sa-inveti-educatia-financiara-este-calea-spre-bunastare-economica-23066746\">aici<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA &#8211; SUPLIMENT EDUCA\u021aIA \u2013 13 septembrie 2022<\/p>","protected":false},"author":5,"featured_media":2485159,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3340123","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>NU PREDAI F\u0102R\u0102 S\u0102 \u00ceNVE\u0162I - &quot;Educa\u0163ia financiar\u0103 este calea spre bun\u0103stare economic\u0103&quot; 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