{"id":3681739,"date":"2024-01-18T22:20:21","date_gmt":"2024-01-18T20:20:21","guid":{"rendered":"https:\/\/new.arb.ro\/?p=3681739"},"modified":"2024-02-04T22:21:53","modified_gmt":"2024-02-04T20:21:53","slug":"arb-talks-gabriela-folcut-director-executiv-arb-urmeaza-aprobarea-strategiei-de-educatie-financiara-probabil-in-primul-trimestru-din-2024","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-talks-gabriela-folcut-director-executiv-arb-urmeaza-aprobarea-strategiei-de-educatie-financiara-probabil-in-primul-trimestru-din-2024\/","title":{"rendered":"ARB Talks, Gabriela Folcu\u021b, director executiv ARB: Urmeaz\u0103 aprobarea Strategiei de educa\u021bie financiar\u0103, probabil \u00een primul trimestru din 2024 - only in romanian"},"content":{"rendered":"
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\u00cen interviul acordat \u00een cadrul campaniei ARB Talks, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, a vorbit despre incluziune financiar\u0103, educa\u021bie financiar\u0103 \u0219i despre educa\u021bie digital\u0103. Potrivit ei, cel mai mare proiect, la nivel na\u021bional, desf\u0103\u0219urat \u00een zona de educa\u021bie digital\u0103, este Siguran\u021baonline, fiind realizat \u00eempreun\u0103 cu Poli\u021bia Rom\u00e2n\u0103 \u0219i Directoratul Na\u021bional de Securitate Cibernetic\u0103. \u201eAm lansat acum aproximativ doi ani un site, sigurantaonline.ro, \u0219i \u00eei invit pe to\u021bi cei care ne urm\u0103resc s\u0103 intre acolo\u201d, spune Gabriela Folcu\u021b.<\/strong><\/p>

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Gabriela Folcu\u021b<\/span>, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\u00a0Foto:\u00a0\u00a0HotNews<\/span><\/em><\/p>

O s\u0103 \u00eencep cu incluziunea financiar\u0103 \u0219i am s\u0103 v\u0103 rog s\u0103 le explic\u0103m celor care se uit\u0103 la noi ce \u00eenseamn\u0103, de fapt, incluziune financiar\u0103.<\/strong><\/p>

Incluziunea financiar\u0103 \u00eenseamn\u0103 de\u021binerea de conturi curente. La nivel na\u021bional, avem 69% dintre rom\u00e2ni care au conturi curente la b\u0103nci. Aceast\u0103 cifr\u0103 este publicat\u0103 de c\u0103tre Banca Mondial\u0103 \u0219i este aferent\u0103 anului 2022. Cusiguran\u021b\u0103, pentru anul 2023 vom vedea o cre\u0219tere a acestui indicator, pentru c\u0103 foarte multe b\u0103nci au dat oportunitatea clien\u021bilor de a deschide conturi curente \u00een regim online, ceea ce cu siguran\u021b\u0103 a dus la aceast\u0103 cre\u0219tere cu privire la incluziunea financiar\u0103 la nivel na\u021bional.<\/p>

Conturi curente<\/strong><\/p>

M\u0103 bucur de incluziune financiar\u0103 doar dac\u0103 am un cont sau dac\u0103 \u0219i \u0219tiu ce s\u0103 fac cu el?<\/strong><\/p>

De regul\u0103, persoanele care au conturi curente cunosc cum s\u0103 le utilizeze. Tocmai acesta este \u0219i rolul b\u0103ncilor, de a cre\u0219te nivelul de educa\u021bie financiar\u0103 sau mai bine zis de s\u0103n\u0103tate financiar\u0103 \u00een r\u00e2ndul rom\u00e2nilor. Cunoa\u0219terea provine din utilizare. \u00cen momentul \u00een care clientul a depus banii, fie c\u0103 a primit salariul \u00een cont, fie c\u0103 are un card asimilat acestui cont curent, \u00eenva\u021b\u0103 s\u0103-l utilizeze \u00een beneficiul s\u0103u. Cred c\u0103 la momentul acesta vorbim de cunoa\u0219tere, este un public educat cel care \u00eel folose\u0219te. Tematica cuprins\u0103 \u00een chestionarul legat de educa\u021bie financiar\u0103, utilizat la nivel mondial de OECD, de Banca Mondial\u0103 \u0219i de Eurobarometru, vizavi de ce cunosc sau nu cunosc persoanele care utilizeaz\u0103 produse \u0219i servicii bancare, este mai degrab\u0103 legat\u0103 de ni\u0219te \u00eentreb\u0103ri mai complexe precum ce este infla\u021bia, ce este dob\u00e2nda compus\u0103, ce este dob\u00e2nda simpl\u0103 \u0219i diversificarea riscului. Astfel c\u0103, aceste \u00eentreb\u0103ri sunt adresate \u00een chestionare \u0219i \u00een baza lor se aloc\u0103 un anumit grad de educa\u021bie financiar\u0103. \u00cen schimb, contul curent cred c\u0103 este cunoscut de c\u0103tre to\u021bi cei care \u00eel utilizeaz\u0103.<\/p>

Dou\u0103 treimi dintre rom\u00e2ni au un cont \u0219i se presupune c\u0103 \u00eel \u0219i folosesc. Ce se \u00eent\u00e2mpl\u0103 cu ceilal\u021bi?<\/strong><\/p>

Cred c\u0103 este important s\u0103 men\u021bion\u0103m care sunt, de fapt, motivele pentru care nu au conturi curente. Educa\u021bia financiar\u0103 ar fi pe primul loc ca \u0219i motiva\u021bie. Un grad sc\u0103zut de educa\u021bie financiar\u0103 te face s\u0103 nu cuno\u0219ti care sunt avantajele de a avea un cont curent, de a avea un card asimilat \u0219i de a sta eventual \u00een fa\u021ba calculatorului s\u0103 pl\u0103te\u0219ti prin internet banking sau cu telefonul \u00een m\u00e2n\u0103 s\u0103 pl\u0103te\u0219ti prin mobile banking toate facturile, ratele, \u0219.a.m.d. Un alt factor care influen\u021beaz\u0103 incluziunea financiar\u0103 este un grad ridicat de s\u0103r\u0103cie \u0219i excluziune social\u0103. La nivel na\u021bional, acest grad de s\u0103r\u0103cie este de 34,4%, cel mai \u00eenalt \u00een r\u00e2ndul statelor din Uniunea European\u0103. Media Uniunii Europene este de 21,6%. \u00cen momentul \u00een care veniturile tale nu sunt suficiente ca s\u0103 poat\u0103 s\u0103 fie distribuite prin intermediul unui cont curent, probabil c\u0103 te \u00eentrebi la ce mi-ar putea folosi contul respectiv. A\u0219 vrea s\u0103 fac o men\u021biune extrem de important\u0103: accesul oamenilor, mai ales din aceast\u0103 categorie a persoanelor vulnerabile, la contul curent este unul cu costuri zero.<\/p>

Tranzac\u021bii gratuite pentru persoanele vulnerabile<\/strong><\/p>

Exist\u0103 legea 258\/2017 care permite accesul gratuit la un cont curent de pl\u0103\u021bi de baz\u0103 \u0219i evident cu tranzac\u021bii gratuite pentru toate persoanele vulnerabile. \u00cen categoria persoanelor vulnerabile intr\u0103 aproximativ 50% din popula\u021bia Rom\u00e2niei dac\u0103 ar fi s\u0103 folosim acel prag de venituri sub 60% din c\u00e2\u0219tigul salarial mediu brut pe economie impus prin legisla\u021bia na\u021bional\u0103. To\u021bi clien\u021bii, indiferent c\u0103 au sau nu au venituri, pot s\u0103 aib\u0103 acces la conturi. Cei care sunt \u00een categoria persoanelor vulnerabile pot s\u0103 aib\u0103 acces gratuit.<\/p>

M\u0103 \u00eentorc la procentul pe care l-a\u021bi spus \u0219i a\u0219 vrea s\u0103 v\u0103 \u00eentreb dac\u0103 cei r\u0103ma\u0219i pe dinafara accesului financiar provin mai mult de la \u021bar\u0103 sau de la ora\u0219, cum sunt ei repartiza\u021bi din acest punct de vedere?<\/strong><\/p>

\u00cen general, cei care au un acces mai redus la contul curent provin din mediul rural. Mai sunt dou\u0103 aspecte care totu\u0219i influen\u021beaz\u0103 incluziunea financiar\u0103 \u0219i pe care a\u0219 vrea s\u0103 le men\u021bionez. Unul este legat de \u00eencredere \u0219i cel de-al doilea de dorin\u021ba de a nu fi urm\u0103rite veniturile. Trebuie s\u0103 \u021binem cont c\u0103 sunt rom\u00e2ni care nu doresc ca veniturile \u0219i cheltuielile din contul curent s\u0103 fie observate. \u00cen ceea ce prive\u0219te \u00eencrederea, sunt foarte mul\u021bi factori care influen\u021beaz\u0103 aceast\u0103 \u00eencredere \u0219i cred c\u0103 ar trebui s\u0103 ne uit\u0103m \u00een primul r\u00e2nd la educa\u021bia general\u0103 a rom\u00e2nilor. C\u00e2nd spun educa\u021bie general\u0103, m\u0103 refer inclusiv la testele PISA relevate recent, care arat\u0103 c\u0103 avem un analfabetism func\u021bional de 42%.<\/p>

Un alt factor care influen\u021beaz\u0103 aceast\u0103 \u00eencredere este legat de percep\u021bie \u0219i de capacitatea clien\u021bilor de a distinge \u00eentre \u0219tirea corect\u0103 \u0219i \u0219tirea fals\u0103. Ne confrunt\u0103m \u00een ultima perioad\u0103 cu o densitate foarte mare a \u0219tirilor false care se propag\u0103. De exemplu, \u201eb\u0103ncile sunt cele mai profitabile\u201d, \u0219i te duci cu g\u00e2ndul de ce s\u0103 am cont, sunt cele mai profitabile, deci \u00eemi iau comisioane. Fals, pentru c\u0103, iat\u0103, ai acces cu costuri zero la contul curent. Gradul de s\u0103r\u0103cie este un alt factor care influen\u021beaz\u0103 \u00eencrederea, pentru c\u0103 dac\u0103 nu folose\u0219ti produsul, nici n-ai cum s\u0103 ai \u00eencredere s\u0103-l folose\u0219ti pe mai departe. Desigur, sunt \u0219i promisiunile, mai ales \u00een perioadele electorale, care trebuie amintite \u00een toat\u0103 aceast\u0103 perioad\u0103. De\u0219i acest factor \u2013 \u00eencrederea \u2013 este foarte important atunci c\u00e2nd analiz\u0103m capacitatea clien\u021bilor de a deveni inclu\u0219i financiar, mai este \u0219i un alt aspect \u00een zona rural\u0103, re\u021beaua de POS-uri nu este foarte extins\u0103. \u00cens\u0103 am observat \u00een ultimii ani o cre\u0219tere destul de important\u0103 a POS-urilor, inclusiv \u00een zona rural\u0103.<\/p>

La nivel na\u021bional s-a observat, \u00een perioada 2015-2021, o cre\u0219tere de 5 ori a num\u0103rului de tranzac\u021bii cu cardul per 1.000.000 de locuitori. \u00cen anul 2021, num\u0103rul de tranzac\u021bii cu cardul per 1.000.000 de locuitori era de 121 de milioane \u00een Rom\u00e2nia, fa\u021b\u0103 de o medie a zonei euro de 164 de milioane. A crescut accelerat \u00een toat\u0103 aceast\u0103 perioad\u0103.<\/p>

Educa\u021bia financiar\u0103 \u2013 sunt a\u0219a multe lucruri de cuprins cu sintagma asta, \u00eenc\u00e2t cred c\u0103 nici n-am avea timp s\u0103 le discut\u0103m pe toate. E o baz\u0103 de la care plec\u0103m c\u00e2nd spunem c\u0103 un om este educat financiar? Spunea\u021bi mai devreme c\u0103 \u00een chestionar o \u00eentrebare era legat\u0103 de infla\u021bie. Dar dac\u0103 ie\u0219im acuma pe Calea Victoriei \u0219i \u00eentreb\u0103m ni\u0219te oameni la \u00eent\u00e2mplare, n-o s\u0103 g\u0103sim foarte multe persoane care s\u0103 \u0219tie ce \u00eenseamn\u0103 infla\u021bia.<\/strong><\/p>

Probabil c\u0103 nu \u0219tiu defini\u021bia efectiv\u0103 a infla\u021biei, dar cu siguran\u021b\u0103 \u0219tiu impactul pe care \u00eel produce. Asta, cu siguran\u021b\u0103, pentru c\u0103 o sim\u021bim cu to\u021bii la buzunare. Educa\u021bia financiar\u0103 \u00eenseamn\u0103 mult mai mult pentru o na\u021biune dec\u00e2t un termen at\u00e2t de conceptualizat de educa\u021bie \u2013 educa\u021bie financiar\u0103. Uneori s-ar putea s\u0103 \u0219i fug\u0103 rom\u00e2nii de termenul educa\u021bie.<\/p>

S\u0103n\u0103tate financiar\u0103<\/strong><\/p>

Cred c\u0103 ar trebui s\u0103 \u00eencepem s\u0103-l vindem mai bine ca s\u0103n\u0103tate financiar\u0103, s\u0103 \u00eentreb\u0103m dac\u0103 e s\u0103n\u0103tos financiar. Pentru c\u0103 ai fi mai interesat s\u0103 \u00ee\u021bi \u00eensu\u0219e\u0219ti anumite concepte care s\u0103-\u021bi fie utile. Noi fiecare avem meserii diferite, \u00eens\u0103 avem un lucru \u00een comun. Avem fiecare un buget pentru care e bine s\u0103 cunoa\u0219tem toate aceste elemente, s\u0103 \u0219tim cum \u00eel administr\u0103m pe toat\u0103 durata vie\u021bii, indiferent c\u0103 folosim sau nu produse \u0219i servicii din zona financiar\u0103.<\/p>

Din fericire, avem date despre educa\u021bie care relev\u0103 faptul c\u0103 am \u00eenregistrat progrese. Un studiu ECD arat\u0103 c\u0103 scorul de alfabetizare la nivel na\u021bional este relativ sc\u0103zut fa\u021b\u0103 de media statelor analizate \u00een cadrul acestui studiu OECD, \u00eens\u0103 Rom\u00e2nia nu se situeaz\u0103 pe ultimul loc la scorul de educa\u021bie financiar\u0103 \u00een Europa ci Italia.<\/p>

Slav\u0103 Domnului c\u0103 nu mai suntem noi tot timpul pe ultimul loc, pentru c\u0103 eram obi\u0219nui\u021bi cu pozi\u021bia asta.<\/strong><\/p>

Avem \u00eenc\u0103 un studiu care valideaz\u0103 teoria c\u0103 nu Rom\u00e2nia se afl\u0103 pe ultimul loc la capitolul scor de alfabetizare financiar\u0103. \u0218i \u00een cazul de fa\u021b\u0103, \u00een studiul Eurobarometru al Comisiei Europene, \u00een Uniunea European\u0103 pe ultimele dou\u0103 locuri sunt Letonia \u0219i Portugalia. Scorul de alfabetizare financiar\u0103 include dou\u0103 concepte: cuno\u0219tin\u021bele de educa\u021bie financiar\u0103 \u0219i comportamentul. E adev\u0103rat c\u0103 dac\u0103 ne uit\u0103m doar la cuno\u0219tin\u021bele de educa\u021bie financiar\u0103, nu am dep\u0103\u0219it ultimul loc din top. Tot acolo suntem, dar dac\u0103 includem \u0219i comportamentul pe care \u00eel avem \u00een utilizarea produselor \u0219i serviciilor bancare, atunci st\u0103m un pic mai bine. Suntem pe locul trei, \u00eentr-adev\u0103r, la finele clasamentului, dar am avansat. Asta ce \u00eenseamn\u0103? C\u0103 se v\u0103d eforturile pe care le-am depus la nivel public \u0219i la nivel privat, \u00een ultimii 10-15 ani, pentru cre\u0219terea acestui nivel de educa\u021bie financiar\u0103.<\/p>

Strategie de educa\u021bie financiar\u0103<\/strong><\/p>

Cred c\u0103 ar trebui un pic mai bine con\u0219tientizat\u0103 \u0219i tematica legat\u0103 de chestionarele pe care le folosesc institu\u021biile interna\u021bionale atunci c\u00e2nd evalueaz\u0103 gradul de cuno\u0219tin\u021be financiare. Urmeaz\u0103 aprobarea Strategiei de educa\u021bie financiar\u0103, probabil \u00een primul trimestru din 2024. \u00cen acest demers sunt implica\u021bi Ministerul Educa\u021biei, Ministerul Finan\u021belor, Banca Na\u021bional\u0103 a Rom\u00e2niei, Autoritatea de Supraveghere Financiar\u0103 \u0219i Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor. Strategia s-a aflat \u00een consultare public\u0103 \u00een trimestru patru din 2023.<\/p>

Cum aplic\u0103m acel plan de ac\u021biune, ce spune strategia de fapt, ce-\u0219i propune s\u0103 fac\u0103 \u0219i cum vor ar\u0103ta lucrurile dup\u0103 ce planul va fi \u00eencheiat? La ce v\u0103 a\u0219tepta\u021bi?<\/strong><\/p>

La momentul la care vom aplica strategia, cu siguran\u021b\u0103 c\u0103 indicatorii de educa\u021bie financiar\u0103 se vor \u00eembun\u0103t\u0103\u021bi, pentru c\u0103 \u00eenseamn\u0103 un efort mult mai mare fa\u021b\u0103 de ceea ce se \u00eent\u00e2mpl\u0103 \u00een prezent \u0219i mult mai concentrat \u00eempreun\u0103 cu to\u021bi stakeholderii din zona financiar\u0103. Nu doar Ministerul Educa\u021biei, Ministerul Finan\u021belor, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Banca Na\u021bional\u0103 \u0219i ASF vor demara \u0219i vor realiza programe de educa\u021bie financiar\u0103. Lucrul acesta se \u00eent\u00e2mpl\u0103 \u0219i acum, dar \u0219i al\u021bi stakeholderi din zona privat\u0103 vor fi al\u0103turi de autorit\u0103\u021bi.<\/p>

Urm\u0103rim trei piloni pentru dezvoltarea cuno\u0219tin\u021belor pentru elevi, pentru popula\u021bia adult\u0103 \u0219i pentru operatorii economici. Bine\u00een\u021beles, pentru fiecare public \u021bint\u0103 planul de ac\u021biuni cuprinde o serie de m\u0103suri, ce trebuie aplicate cu sprijinul tuturor entit\u0103\u021bilor care doresc s\u0103 fie cuprinse, inclusiv a reprezentan\u021bilor mass-media, pe re\u021belele sociale \u0219i influencerii care sunt acolo s\u0103 se g\u00e2ndeasc\u0103 c\u0103 pot s\u0103 contribuie la dezvoltarea Rom\u00e2niei. Rom\u00e2nia are un poten\u021bial imens de cre\u0219tere, at\u00e2t \u00een ceea ce prive\u0219te incluziunea financiar\u0103, intermedierea financiar\u0103, c\u00e2t \u0219i educa\u021bia financiar\u0103. Dac\u0103 reu\u0219im s\u0103 cre\u0219tem pe toate aceste zone \u0219i s\u0103 \u00eenregistr\u0103m progrese notabile, atunci va cre\u0219te bun\u0103starea economic\u0103 individual\u0103, iar noi ca stat ne vom dezvolta la poten\u021bial.<\/p>

Vorbim de educa\u021bie financiar\u0103, vom avea cur\u00e2nd \u0219i o strategie, dar ne ajunge din urm\u0103 digitalizarea. \u0218i educa\u021bie financiar\u0103 f\u0103r\u0103 educa\u021bie digital\u0103, sau s\u0103 folosesc termenul dumneavoastr\u0103 s\u0103n\u0103tate financiar\u0103 f\u0103r\u0103 s\u0103n\u0103tate digital\u0103, nu prea se poate, pentru c\u0103 s-ar putea s\u0103 dau peste ni\u0219te metode at\u00e2t de sofisticate c\u00e2nd intru \u00een zona digital\u0103 \u00eenc\u00e2t s\u0103 nu-mi dau seama cine \u0219i cum m\u0103 \u00een\u0219al\u0103. Cum stau lucrurile aici, la educa\u021bia digital\u0103?<\/strong><\/p>

Noi avem patru piloni \u00een cadrul strategiei Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, cel mai important este educa\u021bia financiar\u0103 \u0219i digital\u0103. La nivelul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor se desf\u0103\u0219oar\u0103 multe programe care vizeaz\u0103 at\u00e2t componenta de educa\u021bie financiar\u0103, c\u00e2t \u0219i componenta de educa\u021bie digital\u0103.<\/p>

Siguran\u021ba online<\/strong><\/p>

Cel mai mare proiect la nivel na\u021bional pe care \u00eel desf\u0103\u0219ur\u0103m \u00een zona de educa\u021bie digital\u0103 este Siguran\u021baonline. Acest proiect este realizat \u00eempreun\u0103 cu Poli\u021bia Rom\u00e2n\u0103 \u0219i Directoratul Na\u021bional de Securitate Cibernetic\u0103. Am lansat acum aproximativ 2 ani un site, sigurantaonline.ro, \u0219i invit pe to\u021bi cei care ne urm\u0103resc s\u0103 intre acolo.<\/p>

Cu siguran\u021b\u0103, elementele prezente pe site sunt extrem de utile \u0219i am s\u0103 v\u0103 spun sincer c\u0103 \u0219i eu am \u00eenv\u0103\u021bat la r\u00e2ndul meu, colabor\u00e2nd cu Poli\u021bia \u0219i cu DNSC, multe dintre tacticile pe care ar trebui s\u0103 le folosim pentru a ne proteja \u00een fa\u021ba unor provoc\u0103ri din ce \u00een ce mai complexe.<\/p>

Sunt curios, da\u021bi-mi exemplu de un lucru pe care l-a\u021bi \u00eenv\u0103\u021bat, c\u0103-mi imaginam c\u0103 directorul executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor nu prea mai are ce s\u0103 \u00eenve\u021be.<\/strong><\/p>

\u00cen fiecare zi \u00eenv\u0103\u021b lucruri, fie c\u0103 vorbim de tacticile acestea \u00eempotriva fraudelor, de noi proiecte de lege, de proiecte de directive sau de aspecte pe care le desf\u0103\u0219oar\u0103 colegii mei \u00een alte departamente din b\u0103nci. Fiecare zi este pentru a \u00eenv\u0103\u021ba. Cu siguran\u021b\u0103 sunt elemente foarte pertinente pe care dac\u0103 le cunoa\u0219tem cum s\u0103 ne protej\u0103m, ne ajut\u0103 \u00een a ne dezvolta activitatea, fie personal\u0103, fie profesional\u0103, f\u0103r\u0103 s\u0103 avem incidente. \u00cen ziua de ast\u0103zi, acest site sigurantaonline.ro. este poate cea mai bun\u0103 baz\u0103 de informa\u021bii cu privire la toate provoc\u0103rile care pot s\u0103 apar\u0103 \u00een zona asta de fraud\u0103 \u0219i e bine s\u0103 venim cu acele m\u0103suri antifraud\u0103.<\/p>

Cursuri e-learning<\/strong><\/p>

Phishingul este cel mai cel mai \u00eent\u00e2lnit, dar mai nou, fraudele cu investi\u021bii, cu promovarea s\u0103 cumperi ac\u021biuni la diverse companii, sunt destul de des \u00eent\u00e2lnite. \u0218i s\u0103 \u0219ti\u021bi c\u0103 sunt \u0219i oameni care cad \u00een aceast\u0103 capcan\u0103. Ce trebuie s\u0103 \u0219tie rom\u00e2nii, apropo de protec\u021bia lor \u00een zona online, c\u0103 nu trebuie s\u0103 dea niciodat\u0103 date personale, date care privesc accesul la internet \u0219i mobile banking sau datele care se g\u0103sesc pe fa\u021ba \u0219i pe spatele cardului. Dac\u0103 vreodat\u0103 au nevoie s\u0103 fac\u0103 pl\u0103\u021bi pe site-uri, trebuie s\u0103 se asigure c\u0103 acel site este unul securizat \u0219i \u00eentotdeauna s\u0103 se afle \u00eentr-o re\u021bea foarte bine securizat\u0103, nu s\u0103 fac\u0103 pl\u0103\u021bi atunci c\u00e2nd sunt conecta\u021bi la re\u021bele WiFi publice. Trebuie o aten\u021bie mult mai mare la detalii, indiferent c\u0103 ne sunt cerute date de actualizare a contului. Trebuie s\u0103 \u0219tie c\u0103 niciodat\u0103 banca nu cere s\u0103-\u0219i actualizeze pe un link datele personale.<\/p>

Sunt at\u00e2tea tipologii de fraude \u00eenc\u00e2t \u00eemi ia destul de mult timp s\u0103 v\u0103 spun la fiecare \u00een parte ce ar trebui s\u0103 fac\u0103 \u0219i ce n-ar trebui s\u0103 fac\u0103. \u00cens\u0103 de asta \u00eei \u0219i \u00eendrum s\u0103 le urm\u0103reasc\u0103 pe sigurantaonline.ro, unde vor g\u0103si multe informa\u021bii, inclusiv legate de cursuri online pe care le-am lansat relativ recent.<\/p>

Spunea\u021bi a\u0219a, elevii vor fi viza\u021bi, popula\u021bia general\u0103 \u0219i operatorii economici. Profesorii care \u00eenva\u021b\u0103 elevii intr\u0103 \u00een categoria asta?<\/strong><\/p>

Sigur c\u0103 da! Intr\u0103 la persoanele pentru care noi, din fericire, deja avem programe concepute \u0219i m\u0103 bucur c\u0103 m-a\u021bi \u00eentrebat. \u00cen 2021, Rom\u00e2nia a introdus cu caracter obligatoriu o materie de educa\u021bie financiar\u0103, se nume\u0219te Educa\u021bie social\u0103. Acolo sunt toate conceptele pe care elevii de clasa a 8-a au nevoie s\u0103 le cunoasc\u0103 pentru a utiliza \u00een siguran\u021b\u0103 toate produsele \u0219i serviciile. Tot \u00een 2021, am acreditat un curs la Ministerul Educa\u021biei pentru formarea profesorilor care predau elevilor de clasa a 8-a. Este un curs care func\u021bioneaz\u0103, am ajuns la edi\u021bia 23 deja, \u00een 2 ani de zile. \u00cen paralel cu acest curs, avem altul demarat \u00een anul 2018, tot pentru profesori. \u00cens\u0103 este pentru profesori care predau materia op\u021bional\u0103 de educa\u021bie financiar\u0103, pentru c\u0103 ea este obligatorie doar la clasa a 8-a, pentru clasele 1-12 este op\u021bional\u0103. \u0218i atunci profesorii pot s\u0103 se \u00eenscrie fie la cursul acesta de preg\u0103tire pentru materia op\u021bional\u0103 de educa\u021bie financiar\u0103, iar dac\u0103 predau la clasa a 8-a, se pot \u00eenscrie la cel de-al 2-lea curs. Ambele sunt cu titlu gratuit, fiind suportate de noi, de comunitatea bancar\u0103. Formatorii de profesori pentru cursul la clasa 8-a sunt profesori de economie din liceele din Bucure\u0219ti.<\/p>

Spune\u021bi-mi un lucru legat de elevi. A\u021bi observat c\u0103 elevii vor s\u0103 \u00eenve\u021be lucruri legate de bani sau sunt mai degrab\u0103 dezinteresa\u021bi? Ce anume \u00eei intereseaz\u0103?<\/strong><\/p>

V-a\u0219 invita s\u0103 participa\u021bi al\u0103turi de noi la sesiunile de preg\u0103tire pe care le avem al\u0103turi de elevi. Acolo iau cursul real al nevoilor lor \u0219i avem tactici pe diferite grupe de v\u00e2rst\u0103. \u00cen mod special, cei care au o v\u00e2rst\u0103 mai fraged\u0103 \u0219i nu au \u00eenc\u0103 bagajul de informa\u021bii format, sunt ca un burete. Ace\u0219ti copii sunt dornici s\u0103 afle detalii despre ce \u00eenseamn\u0103 o banc\u0103, cum func\u021bioneaz\u0103 o banc\u0103, la ce m\u0103 ajut\u0103 pe mine s\u0103-mi depozitez banii la banc\u0103, pentru ce-mi trebuie \u0219i cum pot utiliza un credit, c\u00e2t de util \u00eemi este cardul \u0219i care sunt m\u0103surile de siguran\u021b\u0103 \u0219.a.m.d. Absorb informa\u021bia exact ca un burete.<\/p>

C\u0103r\u0103u\u0219i de bani<\/strong><\/p>

Cei mai mari de la liceu cunosc deja foarte multe informa\u021bii, \u00een mod special pe zona de carduri. Au bagajul de informa\u021bii deja format, \u00een mare m\u0103sur\u0103. Dar sunt dornici s\u0103 afle spre exemplu de fenomenul de \u201ec\u0103r\u0103u\u0219i de bani\u201d. \u00cen momentul \u00een care le spui de \u201ec\u0103r\u0103u\u0219i de bani\u201d, imediat devin foarte interesa\u021bi de ce \u00eenseamn\u0103. Oare eu pot s\u0103 ajung c\u0103r\u0103u\u0219 de bani? Ce se \u00eent\u00e2mpl\u0103? Ajungem cumva \u00een zona penal\u0103? \u00centotdeauna noi, ca formatori, suntem interesa\u021bi s\u0103 ne stabilim tehnica prin care s\u0103 ajungem la ei.<\/p>

E foarte important c\u0103 cei care lucreaz\u0103 \u00een sistemul bancar au posibilitatea s\u0103 le dea informa\u021bia, tocmai de asta noi \u00eencerc\u0103m s\u0103 ajungem direct la elevi. Dar cel mai sigur ajung profesorii, \u0219i tocmai de asta suntem \u00een contact direct cu profesorii pentru a le transmite informa\u021bia, ca mai departe s\u0103 poat\u0103 s\u0103 fie furnizat\u0103 elevilor.<\/p>

Dac\u0103 p\u0103rin\u021bii nu sunt mul\u021bumi\u021bi de felul \u00een care \u0219coala pred\u0103 no\u021biuni de educa\u021bie financiar\u0103, ce pot face pe cont propriu? Ce pot face dac\u0103, nu \u0219tiu, profesorul nu e interesat de chestia asta, dar p\u0103rintele vrea s\u0103-\u0219i educe copilul?<\/strong><\/p>

Un prim sfat ar fi s\u0103 intre pe site-ul nostru educatiefinanciara.info, ce cuprinde multe informa\u021bii legate de educa\u021bia financiar\u0103. S\u0103 intre pe site-ul nostru sigurantaonline.ro, unde spuneam c\u0103 sunt informa\u021bii de natur\u0103 digital\u0103 \u0219i inclusiv cursurile de formare pe zona digital\u0103. Pe site-ul educatiefinanciara.info avem un manual pentru utilizatorul de servicii financiare. La momentul la care am lansat acest manual, \u00een 2018, a fost o premier\u0103 \u00een Rom\u00e2nia, pentru c\u0103 cuprinde 21 de entit\u0103\u021bi \u0219i acoper\u0103 toat\u0103 pia\u021ba financiar\u0103 \u2013 informa\u021bii din zona bancar\u0103, din zona pie\u021bei de leasing, pia\u021ba de asigur\u0103ri, pia\u021ba de capital \u0219i de pensii private. P\u0103rin\u021bii pot s\u0103-\u0219i ia astfel de informa\u021bii din cele trei surse pe care le-am amintit: sigurantaonline.ro, educatiefinanciara.info \u0219i manualul de educa\u021bie financiar\u0103. \u0218i dac\u0103 doresc s\u0103 particip\u0103m la cursurile pe care le-ar pune la dispozi\u021bia elevilor la clase, profesorii se pot adresa direct, fie nou\u0103, la Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, putem fi g\u0103si\u021bi foarte u\u0219or pe site, fie la Institutul Bancar Rom\u00e2n, care este unul dintre colaboratorii no\u0219tri foarte apropia\u021bi \u00een domeniu. Astfel, putem organiza cursuri de formare at\u00e2t pentru profesori, c\u00e2t \u0219i pentru elevi, cu titlu gratuit \u00eentotdeauna.<\/p>

Sursa:\u00a0click aici<\/a><\/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":"

\u00cen interviul acordat \u00een cadrul campaniei ARB Talks, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, a vorbit despre incluziune financiar\u0103, educa\u021bie financiar\u0103 \u0219i despre educa\u021bie digital\u0103. Potrivit ei, cel mai mare proiect, la nivel na\u021bional, desf\u0103\u0219urat \u00een zona de educa\u021bie digital\u0103, este Siguran\u021baonline, fiind realizat \u00eempreun\u0103 cu Poli\u021bia Rom\u00e2n\u0103 \u0219i Directoratul Na\u021bional de […]<\/p>\n","protected":false},"author":3,"featured_media":3681740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3681739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nARB Talks, Gabriela Folcu\u021b, director executiv ARB: Urmeaz\u0103 aprobarea Strategiei de educa\u021bie financiar\u0103, probabil \u00een primul trimestru din 2024 - 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\/arb-talks-gabriela-folcut-director-executiv-arb-urmeaza-aprobarea-strategiei-de-educatie-financiara-probabil-in-primul-trimestru-din-2024\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ARB Talks, Gabriela Folcu\u021b, director executiv ARB: Urmeaz\u0103 aprobarea Strategiei de educa\u021bie financiar\u0103, probabil \u00een primul trimestru din 2024 - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"\u00cen interviul acordat \u00een cadrul campaniei ARB Talks, Gabriela Folcu\u021b, director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, a vorbit despre incluziune financiar\u0103, educa\u021bie financiar\u0103 \u0219i despre educa\u021bie digital\u0103. 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