{"id":3683279,"date":"2024-07-18T22:18:24","date_gmt":"2024-07-18T19:18:24","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3683279"},"modified":"2024-07-19T18:09:00","modified_gmt":"2024-07-19T15:09:00","slug":"smes-talk-ioana-regenbogen-vicepresedinte-comisia-juridica-arb-bancilor-ar-trebui-sa-le-poata-fi-creata-oportunitatea-de-a-se-inregistra-ca-emitenti-de-semnatura-electronica-avansata-in-cadrul-platf","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-ioana-regenbogen-vicepresedinte-comisia-juridica-arb-bancilor-ar-trebui-sa-le-poata-fi-creata-oportunitatea-de-a-se-inregistra-ca-emitenti-de-semnatura-electronica-avansata-in-cadrul-platf\/","title":{"rendered":"SMEs Talk Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB: B\u0103ncilor ar trebui s\u0103 le poat\u0103 fi creat\u0103 oportunitatea de a se \u00eenregistra ca emiten\u021bi de semn\u0103tur\u0103 electronic\u0103 avansat\u0103 \u00een cadrul platformelor de online banking"},"content":{"rendered":"
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De\u0219i au mai existat \u00een trecut diverse ini\u021biative care au propus ca toate tipurile de semn\u0103turi electronice, avansate sau simple, s\u0103 aib\u0103 efect juridic, pandemia a jucat un rol important \u00een accelerarea adop\u021biei acestora. <\/strong><\/p>

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\u00a0<\/p>

Astfel c\u0103, recent, a fost promulgat proiectul de lege privind utilizarea semn\u0103turii electronice, care prevede efecte juridice \u00een cazul fiec\u0103rui tip de astfel de semn\u0103tur\u0103 (electronic\u0103 calificat\u0103, electronic\u0103 avansat\u0103 \u0219i electronic\u0103 simpl\u0103), condi\u021biile prest\u0103rii serviciilor de \u00eencredere de c\u0103tre persoane de drept privat, c\u00e2t \u0219i atribu\u021biile autorit\u0103\u021bilor \u0219i institu\u021biilor publice \u00een domeniu.<\/p>

\u201eCred c\u0103 terenul favorabil a fost preg\u0103tit \u00een timpul crizei pandemice, c\u00e2nd au existat ni\u0219te ini\u021biative izolate de accelerare a digitaliz\u0103rii \u00een plan normativ. De exemplu, \u00een ce prive\u0219te utilizarea \u00eenscrisurilor \u00een form\u0103 electronic\u0103 la nivelul autorit\u0103\u021bilor publice, deci pentru serviciile publice, apoi, \u00een domeniul rela\u021biilor de munc\u0103\u201d, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB. \u00cens\u0103, adaug\u0103 ea, aceste solu\u021bii nu au fost sistemice, nu au adresat problema \u00een mod sistemic, au fost mai mult comprese locale. \u201eAstfel c\u0103, ultima propunere de lege a semn\u0103turii electronice, cea \u00eenregistrat\u0103 \u00een iunie 2023 \u00een procedur\u0103 parlamentar\u0103, s-a n\u0103scut de fapt printr-o tehnic\u0103 nou\u0103 de laborator. \u0218i denumirea grupului de lucru a fost \u00een acest sens – law and technology lab – grup de lucru care a fost organizat la nivelul comisiei de IT&C din Camera Deputa\u021bilor \u0219i aici au participat un num\u0103r absolut impresionant de stakeholderi \u0219i de exper\u021bi, \u00eencep\u00e2nd de la membri ai parlamentului, continu\u00e2nd cu reprezentan\u021bi ai autorit\u0103\u021bilor relevante, ai mediului de afaceri \u0219i, inclusiv cu prezen\u021ba \u0219i implicarea unor profesori universitari de cel mai \u00eenalt calibru. Felul \u00een care toate p\u0103r\u021bile interesate au fost invitate s\u0103 contribuie la redactarea acestei propuneri legislative, deci nu doar \u00een a oferi puncte de vedere \u00een procesul formal de consultare, a reprezentat un exemplu de exercitare democratic\u0103 a puterii statului de drept \u0219i un best practice \u00een domeniul procesului de legiferare\u201d, mai spune aceasta.<\/p>

Certificatul pentru semn\u0103tura din buletinul electronic va avea o limit\u0103 de 5 ani, fa\u021b\u0103 de 2 ani pentru certificatul de semn\u0103tur\u0103 avansat\u0103, potrivit proiectului de lege. \u201eAu fost opozi\u021bii care au mitizat anumite neadev\u0103ruri care ar fi fost obstacole teoretice \u00een calea democratiz\u0103rii, utiliz\u0103rii acestor semn\u0103turi. M\u0103 refer la faptul c\u0103 a fost des invocat c\u0103 semn\u0103tura avansat\u0103 e u\u0219or de falsificat, asta \u00een contextul \u00een care sunt 3 tipuri de semn\u0103turi, una simpla mai pu\u021bin securizat\u0103, una avansat\u0103 care se bucur\u0103 de toate atributele celei calificate, dar nu este reglementat\u0103 ca put\u00e2nd fi generat\u0103 printr-o singur\u0103 tehnologie sau sistem de proceduri \u0219i semn\u0103tura calificat\u0103 care ast\u0103zi este echivalat\u0103 cu semn\u0103tura olograf\u0103. \u00cens\u0103, adev\u0103rul este c\u0103 semn\u0103tura avansat\u0103 nu numai c\u0103 nu este u\u0219or de falsificat, dar a\u0219 spune c\u0103 este imposibil de falsificat f\u0103r\u0103 a detecta acest lucru. Orice modific\u0103ri a unei informa\u021bii dintr-un document semnat cu o semn\u0103tur\u0103 avansat\u0103 este detectat\u0103 automat, semn\u0103tura respectiv\u0103 figureaz\u0103 ca fiind broken \u0219i documentul e recunoscut ca fiind manipulat\u201d, afirm\u0103 aceasta.<\/p>

\u0218i, continu\u0103 ea, motivul pentru care exist\u0103 aceste garan\u021bii de securitate \u00een ceea ce prive\u0219te aceast\u0103 semn\u0103tura e acela c\u0103 procesul de identificare sau de autentificare a semnatarului e unul de nivel substan\u021bial sau ridicat. Iar un furnizor al unei asemenea semn\u0103turi trebuie, conform legii, s\u0103 asigure dovezi certe legate de procesul de semnare. \u201eCa atare, a\u0219 spune c\u0103 opozi\u021bia care a fost f\u0103cut\u0103 p\u00e2n\u0103 acum. a fost \u00een mod special fundamentat\u0103 pe aceast\u0103 a\u0219a-zis\u0103 vulnerabilitate sau fragilitate a semn\u0103turii avansate. \u00cens\u0103, chiar denumirea ei indic\u0103 gradul de \u00eencredere pe care \u00eel po\u021bi avea \u00eentr-o asemenea semn\u0103tur\u0103\u201d, mai spune aceasta. Pe legisla\u021bia existent\u0103, doar semn\u0103tura electronic\u0103 calificat\u0103 se bucura de efecte juridice \u0219i este echivalat\u0103 cu semn\u0103tura olograf\u0103, adaug\u0103 Ioana Regenbogen.<\/p>

Semn\u0103tura simpl\u0103 \u00een schimb nu se bucur\u0103 de niciun fel de efect juridic. \u201eSunt pur \u0219i simplu date \u00een format electronic care nu presupun m\u0103suri de securitate special\u0103, precum adresa de e-mail, o semn\u0103tur\u0103 scanat\u0103 aplicat\u0103 pe un document. Regulile \u0219i efectele acestor semn\u0103turi mai trebuie gravate \u00een lege \u0219i ele neoferind un grad de securitate rezonabil \u00een ce prive\u0219te identificare semnatarului \u0219i nealterarea documentului trebuie s\u0103 fie reglementate pentru semnarea unor documente cu o valoare important\u0103 economic\u0103 \u0219i juridic\u0103 mai mic\u0103 \u0219i, \u00een anumite condi\u021bii, contexte, cu folosirea anumitor prezum\u021bii. Deci, o recunoa\u0219tere a efectelor juridice pentru semn\u0103tura simpl\u0103 condi\u021bionat\u0103 \u0219i limitat\u0103\u201d, explic\u0103 ea. \u201e\u00cen ceea ce prive\u0219te semn\u0103turile avansate, singura diferen\u021b\u0103 fa\u021b\u0103 de semn\u0103tura calificat\u0103, care e regina, e c\u0103 nu exist\u0103 o singur\u0103 tehnologie care s\u0103 stea la baza cre\u0103ri unei semn\u0103turi avansate. Dac\u0103 la semn\u0103tura calificat\u0103 e reglementat\u0103 o singura tehnologie, cea bazat\u0103 pe certificat \u0219i pe dispozitiv, care trebuie s\u0103 fie emise de un prestator de servicii de \u00eencredere, calificat, \u00een cazul semn\u0103turilor avansate nu e impus\u0103 prin lege o singur\u0103 tehnologie, sunt enun\u021bate doar condi\u021biile pe care orice tehnologie s-ar inventa ar trebui s\u0103 le \u00eendeplineasc\u0103\u201d, completeaz\u0103 Ioana Regenbogen. Proiectul de lege recent promulgat face, \u00een primul r\u00e2nd, o diferen\u021biere \u00eentre actele juridice, eviden\u021biind tipurile de semn\u0103turi necesare pentru ca actele s\u0103 devin\u0103 valide sau s\u0103 poat\u0103 fi folosite doar ca mijloace de prob\u0103 \u00een fa\u021ba instan\u021belor de judecat\u0103. \u201e\u0218i avem o conturat\u0103 o solu\u021bie legislativ\u0103 echilibrat\u0103 \u0219i propor\u021bional\u0103, un model care este bazat pe o abordare de risc astfel \u00eenc\u00e2t fiecare semn\u0103tur\u0103, inclusiv cea avansat\u0103, s\u0103 fie utilizat\u0103 pentru tipul de act juridic potrivit \u0219i \u00een func\u021bie de importan\u021ba lui, totodat\u0103 stimul\u00e2nd \u0219i p\u0103r\u021bile, fie persoane fizice cu persoane juridice, fie persoane juridice cu persoane juridice, astfel \u00eenc\u00e2t s\u0103 poat\u0103 s\u0103 stabileasc\u0103 ele de comun acord tipul de semn\u0103tura pe care doresc s\u0103-l utilizeze. De exemplu, \u00een viitor, at\u00e2t pentru semn\u0103tura avansat\u0103, c\u00e2t \u0219i pentru cea simpl\u0103, dac\u0103 aceste semn\u0103turi sunt recunoscute de c\u0103tre p\u0103r\u021bile semnatare, ele practic beneficiaz\u0103 de o prezum\u021bie absolut\u0103 cu privire la semnarea valabil\u0103. Deci, at\u00e2t pentru semn\u0103tura avansat\u0103, c\u00e2t \u0219i pentru cea simpl\u0103, diferen\u021ba fiind c\u0103 astfel de acorduri privind semn\u0103tura avansat\u0103 pot fi f\u0103cute at\u00e2t pentru cele cu cerin\u021b\u0103 de validitate, c\u00e2t \u0219i probatorie\u201d, explic\u0103 aceasta.<\/p>

\u00cen ceea ce prive\u0219te actele patrimoniale cu valoare mai mic\u0103 de 1.850 RON, salariul minim net pe economie, ele vor putea fi semnate cu orice tip de semn\u0103tur\u0103, chiar \u0219i cu cea simpl\u0103. \u201e\u0218i acest lucru e posibil numai pentru actele pentru care semn\u0103tura e cerut\u0103 doar pentru probarea documentului \u00een instan\u021b\u0103, \u0219i nu ca o condi\u021bie de validitate\u201d, adaug\u0103 ea. \u201eAu fost reglementate \u00een afar\u0103 de semn\u0103turi \u0219i sistemele electronice \u00eenchise. Sunt foarte importante pentru c\u0103 \u00een aceste platforme, care trebuie sa fie auditate, trebuie s\u0103 ofere un nivel de asigurare ridicat \u00een ce prive\u0219te identificarea participan\u021bilor, membrii pot agrea \u00een mod liber efecte juridice pentru orice tip de semn\u0103tura electronic\u0103\u201d, mai spune Ioana Regenbogen. B\u0103ncilor \u00eens\u0103, av\u00e2nd \u00een vedere pozi\u021bia special\u0103 pe care o ocup\u0103 \u00een pia\u021b\u0103, adaug\u0103 ea, ar trebui s\u0103 li se permit\u0103 s\u0103 se \u00eenregistreze ca emiten\u021bi de semn\u0103tur\u0103 electronic\u0103 avansat\u0103 \u00een cadrul platformelor de online banking pe care le ofer\u0103 clien\u021bilor lor. \u201eAv\u00e2nd \u00een vedere pozi\u021bia special\u0103 a b\u0103ncilor \u0219i anume faptul c\u0103 trebuie s\u0103 aplice m\u0103suri de cunoa\u0219tere a clientelei care s\u0103 permit\u0103 identificarea cu un grad ridicat de siguran\u021b\u0103 a clien\u021bilor \u0219i s\u0103 permit\u0103 totodat\u0103 verificarea identit\u0103\u021bii lor, dar \u0219i pentru c\u0103 b\u0103ncilor le sunt aplicabile obliga\u021biile derivate din legisla\u021bia privind sp\u0103larea banilor, ar trebui s\u0103 le poat\u0103 fi creat\u0103 oportunitatea de a se \u00eenregistra ca emiten\u021bi de semn\u0103tur\u0103 electronic\u0103 avansat\u0103 \u00een cadrul platformelor de online banking pe care le ofer\u0103 clien\u021bilor lor. Asta ar \u00eensemna c\u0103 aceste proceduri de identificare, autentificare, autorizare de opera\u021biuni\u00a0 ar trebui s\u0103 poat\u0103 fi echivalate cu semn\u0103turile avansate, mai ales c\u0103 o astfel de semn\u0103tur\u0103 avansat\u0103 folosita \u00eentr-o asemenea platform\u0103 foarte securizat\u0103 se bucura prin aceast\u0103 nou\u0103 propunere legislativ\u0103 de prezum\u021bia legal\u0103 absolut\u0103 de echivalare a efectelor juridice cu semn\u0103tura olograf\u0103\u201d, precizeaz\u0103 Regenbogen. O alt\u0103 oportunitate, continu\u0103 ea, este de legat\u0103 tot de platformele de banking, mai precis utilizarea lor ca sisteme electronice \u00eenchise. \u201eAici pot s\u0103 fie stabilite, tot pe baza de conven\u021bie, valori \u0219i efecte juridice superioare at\u00e2t pentru semn\u0103tura simpl\u0103, c\u00e2t \u0219i pentru cea avansat\u0103 \u0219i, astfel, majoritatea contractelor de credit sau non-credit ar putea s\u0103 fie semnate cu astfel de semn\u0103turi\u201d, subliniaz\u0103 aceasta.<\/p>

Sursa: aici<\/a><\/p>

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De\u0219i au mai existat \u00een trecut diverse ini\u021biative care au propus ca toate tipurile de semn\u0103turi electronice, avansate sau simple, s\u0103 aib\u0103 efect juridic, pandemia a jucat un rol important \u00een accelerarea adop\u021biei acestora. Astfel c\u0103, recent, a fost promulgat proiectul de lege privind utilizarea semn\u0103turii electronice, care prevede efecte juridice \u00een cazul fiec\u0103rui tip […]<\/p>\n","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3683279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB: B\u0103ncilor ar trebui s\u0103 le poat\u0103 fi creat\u0103 oportunitatea de a se \u00eenregistra ca emiten\u021bi de semn\u0103tur\u0103 electronic\u0103 avansat\u0103 \u00een cadrul platformelor de online banking - 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\/smes-talk-ioana-regenbogen-vicepresedinte-comisia-juridica-arb-bancilor-ar-trebui-sa-le-poata-fi-creata-oportunitatea-de-a-se-inregistra-ca-emitenti-de-semnatura-electronica-avansata-in-cadrul-platf\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Talk Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB: B\u0103ncilor ar trebui s\u0103 le poat\u0103 fi creat\u0103 oportunitatea de a se \u00eenregistra ca emiten\u021bi de semn\u0103tur\u0103 electronic\u0103 avansat\u0103 \u00een cadrul platformelor de online banking - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"De\u0219i au mai existat \u00een trecut diverse ini\u021biative care au propus ca toate tipurile de semn\u0103turi electronice, avansate sau simple, s\u0103 aib\u0103 efect juridic, pandemia a jucat un rol important \u00een accelerarea adop\u021biei acestora. 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