{"id":3393,"date":"2014-04-19T13:30:13","date_gmt":"2014-04-19T10:30:13","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3393"},"modified":"2024-01-20T14:09:50","modified_gmt":"2024-01-20T12:09:50","slug":"necesar-de-investitii","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/necesar-de-investitii\/","title":{"rendered":"Necesar de investitii - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3393\" class=\"elementor elementor-3393\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e74e38f e-flex e-con-boxed e-con e-parent\" data-id=\"3e74e38f\" 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-14f61d99 elementor-widget elementor-widget-text-editor\" data-id=\"14f61d99\" 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>Gradul de penetrare al pl\u0103\u021bilor electronice trebuie majorat<\/h3><p style=\"text-align: justify;\">\u00a0Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor apreciaz\u0103 c\u0103 trebuie men\u021binut\u0103 capacitatea institu\u021biilor de credit pentru a continua investi\u0163iile \u00een infrastructur\u0103 pentru cre\u0219terea gradului de penetrare al pl\u0103\u021bilor electronice. \u00cen Rom\u00e2nia, gradul de penetrare al pl\u0103\u0163ilor electronice este de 6% \u00een pia\u021ba de retail, fa\u0163\u0103 de o medie european\u0103 de 30%. Tranzac\u021biile cu numerar \u00een pia\u021ba de retail sunt prepondente \u00een Rom\u00e2nia.<\/p><p style=\"text-align: justify;\">Tranzac\u021biile cu numerar ocup\u0103 o pondere de 94% din totalul opera\u021biunilor de plat\u0103 de retail la nivelul anului 2013, \u00een timp ce tranzac\u021biile de plat\u0103 cu cardul reprezint\u0103 5% pentru \u021b\u0103rile din Europa de Est precum Cehia, Ungaria, Polonia \u0219i Rom\u00e2nia, potrivit unui raport publicat de Autoritatea Bancar\u0103 European\u0103 &#8222;Consumer trends &#8211; report 2014&#8221;. <b>\u00a0<\/b>\u00cen \u021b\u0103ri precum Austria, Danemarca, Fran\u021ba, Germania, Grecia \u0219i Italia, tranzac\u021biile cu numerar ocup\u0103 o pondere de 68% din totalul opera\u021biunilor de plat\u0103 la nivelul anului 2013, \u00een timp ce tranzac\u021biile de plat\u0103 cu cardul reprezint\u0103 22%, restul fiind pl\u0103\u021bi prin sisteme de decontare (9%) \u0219i alte tipuri (1%).<b> <\/b>\u00cen Rom\u00e2nia, num\u0103rul de carduri valide \u00een circula\u0163ie cu func\u0163ie de numerar este de 14,13 milioane, din care 11,91 milioane sunt cu func\u0163ie de debit si 2,22 milioane cu func\u0163ie de credit. Num\u0103rul de ATM existente \u00een \u0163ar\u0103 este de 10.772, iar num\u0103rul de POS existente \u00een \u0163ar\u0103 128.043.<b><\/b><\/p><p style=\"text-align: justify;\">Comunitatea bancar\u0103 apreciaz\u0103 m\u0103surile care vizeaz\u0103 reducerea evaziunii fiscale \u0219i a economiei subterane prin cre\u015fterea gradului de utilizare a cardurilor, \u00een detrimentul numerarului. Din aceast\u0103 perspectiv\u0103, consider\u0103m c\u0103 orice ini\u021biativ\u0103 legislativ\u0103 ar trebui s\u0103 \u0163in\u0103 cont de condi\u0163iile specifice la nivel na\u0163ional, \u015fi anume: utilizarea cu preponderen\u0163\u0103 a numerarului pentru plata bunurilor \u015fi serviciilor, gradul sc\u0103zut de bancarizare \u015fi nivelul redus al salariului mediu \u00een Rom\u00e2nia.<\/p><p style=\"text-align: justify;\">Proiectul de lege care prevede plafonarea pl\u0103\u0163ilor \u00een numerar \u015fi limitarea comisioanelor interbancare la tranzac\u0163iile prin carduri a fost recent aprobat de Guvern \u015fi transmis Parlamentului spre adoptare. Actul limiteaz\u0103 comisioanele interbancare la 0,2% pentru cardurile de debit \u015fi 0,3% pentru cele de credit.<\/p><p style=\"text-align: justify;\">Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor apreciaz\u0103 c\u0103 ar trebui efectuat\u0103 o analiz\u0103 a nivelului de acceptare a pl\u0103\u021bilor cu cardul \u0219i a gradului de utilizare coroborate cu costurile de dezvoltare, av\u00e2nd \u00een vedere climatul economic general al Rom\u00e2niei. Pentru dezbaterile care ar trebui s\u0103 urmeze \u00een Parlament, comunitatea bancar\u0103 sus\u021bine aplicarea unui alt nivel al comisioanelor astfel \u00eenc\u00e2t s\u0103 permit\u0103 b\u0103ncilor efectuarea de investiti\u021bii pentru cre\u0219terea gradului de penetrare al pl\u0103\u021bilor electronice coroborat cu m\u0103suri pentru implementarea treptat\u0103. \u00cen \u0163\u0103rile Uniunii Europene, nivelul comisioanelor de interschimb este diferit, \u00een func\u0163ie de dezvoltarea economic\u0103, re\u0163eaua de acceptare \u015fi gradul de maturitate al pie\u0163ei. Stabilirea unui prag de comisionare la nivelul Rom\u00e2niei trebuie sa aib\u0103 \u00een\u00a0 vedere realitatea economic\u0103 \u015fi dezvoltarea pie\u0163ei locale, cu consultarea prealabil\u0103 a B\u0103ncii Na\u0163ionale a Rom\u00e2niei. \u00cen Rom\u00e2nia, nivelul redus al pl\u0103\u0163ilor cu cardul nu are drept cauz\u0103 principal\u0103 comisionul de interschimb, ci specificul societ\u0103\u0163ii rom\u00e2ne\u015fti, care din acest punct de vedere \u2013 din ra\u0163iuni istorice, culturale \u015fi economice &#8211; este o societate bazat\u0103 pe numerar.<\/p><p style=\"text-align: justify;\">Limitarea comisioanelor interbancare, de la nivelul actual de 0,8%-1% la 0,2% respectiv 0,3%, ar trebui s\u0103 \u021bin\u0103 cont de forma final\u0103 a reglement\u0103rii care este \u00een discu\u021bie la nivel european \u0219i nicidecum s\u0103 se aplice cu mult timp \u00eenainte pentru c\u0103 nu face dec\u00e2t s\u0103 amplifice decalajul.<\/p><p style=\"text-align: justify;\">Propunerea de Regulament european prevede o perioad\u0103 de tranzi\u0163ie de 1-2 ani ca plafoanele stabilite pentru opera\u0163iunile cu cardul de credit\/debit s\u0103 devin\u0103 obligatorii. Apreciem c\u0103 o asemenea perioad\u0103 de tranzi\u0163ie este necesar\u0103 \u015fi \u00een\u00a0 Rom\u00e2nia, pentru a asigura implementarea \u00een\u00a0 bune condi\u0163ii a noilor reglement\u0103ri.<\/p><p style=\"text-align: justify;\">Pentru a men\u021bine capacitatea investi\u021bional\u0103 prin p\u0103strarea nivelului actual al veniturilor, b\u0103ncile s-ar putea vedea nevoite s\u0103 m\u0103reasc\u0103 costurile la anumite servicii aferente produselor de tip card. Impactul final negativ va fi resim\u021bit de clien\u0163ii de\u0163in\u0103tori de carduri. \u00cen schimb, dac\u0103 privim din perspectiva comercian\u021bilor este foarte pu\u0163in probabil ca reducerea comisionului de interschimb sa determine o reducere a pre\u0163ului de raft. Pre\u0163ul de raft nu este stabilit ca urmare a costurilor pe care comerciantul le are cu comisionul de interschimb, de vreme ce pl\u0103\u0163ile cu cardul reprezint\u0103 doar 5% din totalul pl\u0103\u0163ilor \u00een pia\u0163a de retail din Rom\u00e2nia. \u00cen plus, \u00eentruc\u00e2t activitatea de acceptare este, \u00een\u00a0 general, la limita profitabilit\u0103\u0163ii, iar activitatea de emitere va fi afectat\u0103 de o contrac\u021bie a veniturilor, reducerea comisioanelor de interschimb nu \u00eenseamn\u0103 neap\u0103rat diminuarea cu acela\u015fi cuantum, a comisionului pe care banca \u00eel practic\u0103 \u00een rela\u0163ia cu comercian\u0163ii proprii. \u00cen concluzie, m\u0103sura propus\u0103 de reducere a comisioanelor va avea efectul opus prin descurajarea pie\u021bei cardurilor.<\/p><p style=\"text-align: justify;\">Apreciem c\u0103 ar trebui adoptate m\u0103suri de \u00eencurajare a investi\u021biilor \u00een tehnologie \u0219i nu cele de amplificare a decalajului \u00eentre Rom\u00e2nia \u0219i statele din Vest, comunitatea bancar\u0103 miz\u00e2nd pe etapizarea pa\u0219ilor care prev\u0103d limitarea comisioanelor.<\/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-2f76ca3 elementor-widget elementor-widget-button\" data-id=\"2f76ca3\" 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=\"\/wp-content\/uploads\/PF_aprilie_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>Gradul de penetrare al pl\u0103\u021bilor electronice trebuie majorat<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, aprilie 2014 <\/em><\/p>","protected":false},"author":3,"featured_media":2645376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3393","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 - 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