{"id":3683310,"date":"2024-08-05T23:05:13","date_gmt":"2024-08-05T20:05:13","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3683310"},"modified":"2024-08-05T23:09:52","modified_gmt":"2024-08-05T20:09:52","slug":"anul-2024-anul-educatiei-financiare-intermedierea-financiara-creeaza-premisele-necesare-cresterii-economice-viitoare","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/anul-2024-anul-educatiei-financiare-intermedierea-financiara-creeaza-premisele-necesare-cresterii-economice-viitoare\/","title":{"rendered":"Anul 2024, anul educa\u0163iei financiare. Intermedierea financiar\u0103 creeaz\u0103 premisele necesare cre\u015fterii economice viitoare."},"content":{"rendered":"

Anul 2024, anul educa\u0163iei financiare. Intermedierea financiar\u0103 creeaz\u0103 premisele necesare cre\u015fterii economice viitoare. \u00centre gradul de intermediere financiar\u0103 \u015fi nivelul educa\u0163iei financiare exist\u0103 o leg\u0103tur\u0103 intrinsec\u0103<\/strong><\/p>\n

\"\"<\/p>\n

Gabriela Folcu\u0163, director executiv, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor<\/em><\/p>\n

Anul 2024 este dedicat educa\u0163iei financiare \u015fi este anul \u00een care Rom\u00e2nia prime\u015fte un impuls suplimentar de dezvoltare. Avem o Strategie Na\u0163ional\u0103 de Educa\u0163ie Financiar\u0103 aprobat\u0103 de guvern \u00een luna aprilie 2024. Rom\u00e2nia se afl\u0103 pe traiectoria corespun\u00adz\u0103toare \u00een ceea ce prive\u015fte educa\u0163ia finan\u00adciar\u0103. Strategia urm\u0103re\u015fte impul\u00adsionarea desf\u0103\u00ad\u015fur\u0103rii programelor care conduc la cre\u015fterea nivelului educa\u0163iei financiare. Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor a contribuit la elabo\u00adrarea strategiei al\u0103turi de auto\u00adrit\u0103\u0163i \u015fi dezvolt\u0103 o multitudine de programe de educa\u0163ie financiar\u0103 \u015fi digital\u0103 pe toate canalele pe care rom\u00e2nii sunt dispu\u015fi s\u0103 le urm\u0103reasc\u0103.<\/p>\n

Scorul de alfabetizare finan\u00adciar\u0103 \u00eenregistrat de adul\u0163ii din Rom\u00e2nia a fost de 54, peste nivelul \u00eenregistrat \u00een Italia, de 53, dar se pozi\u0163ioneaz\u0103 sub media de 60 a celor 40 de state participante la studiul realizat de Organiza\u0163ia pentru Cooperare \u015fi Dezvoltare Economic\u0103 (OCDE), studiu publicat anul trecut. Germania se pozi\u0163ioneaz\u0103 cel mai bine \u00een r\u00e2ndul \u0163\u0103rilor participante la studiul OCDE, cu un scor de alfabetizare financiar\u0103 de 75. Se \u00eenregistreaz\u0103 totu\u015fi un mic pro\u00adgres la nivel na\u0163ional comparativ cu versiunea studiului din anul 2021, c\u00e2nd scorul de alfabetizare normalizat era de 53,4. Dintre cele trei dimensiuni ale scorului de alfabetizare financiar\u0103, rom\u00e2nii ob\u0163in cele mai bune rezultate la comportamentul financiar. Scorul minim la comportament financiar este definit ca av\u00e2nd cel pu\u0163in \u015fase dintre cele nou\u0103 comportamente inteligente din punct de vedere financiar, iar la acest indicator Rom\u00e2nia \u00eenregistreaz\u0103 nivelul de 42, fa\u0163\u0103 de o medie a \u0163\u0103rilor participante de 51. La capitolul comportamentul financiar, Rom\u00e2nia surclaseaz\u0103 Italia, Ungaria, Cipru \u015fi alte state la nivel mondial ceea ce \u00eenseamn\u0103 c\u0103, \u00een compara\u0163ie cu cet\u0103\u0163enii statelor men\u0163ionate, rom\u00e2nii stau mai bine la plata facturilor la timp, asigurarea comparabilit\u0103\u0163ii ofertelor de credit, economisesc activ, seteaz\u0103 obiective financiare pe termen lung etc.<\/p>\n

Exist\u0103 o corela\u0163ie direct\u0103 \u00eentre nivelul educa\u0163iei financiare \u015fi bun\u0103starea economic\u0103 indivi\u00addual\u0103 a cet\u0103\u0163enilor.<\/p>\n

Astfel, progresele s-au reflectat \u015fi \u00een cre\u015fterea gradului de bun\u0103stare economic\u0103 indivi\u00addual\u0103. Rom\u00e2nia a dep\u0103\u015fit Ungaria \u00een anul 2023 din punct de vedere al indicatorului PIB per capita exprimat \u00een paritatea puterii de cump\u0103rare standard (PPS), acest indicator fiind situat la 78% din media european\u0103, versus 76% \u00een cazul Ungariei. Rom\u00e2nia surclaseaz\u0103 \u015fase \u0163\u0103ri \u00een topul european din punctul de vedere al PIB-ului per capita PPS: Ungaria, Croa\u0163ia, Slovacia, Letonia, Grecia \u015fi Bulgaria. Pentru compara\u0163ie, \u00een urm\u0103 cu un de\u00adceniu PIB per capita \u00een Rom\u00e2nia era la 55% din media UE. Cu toate acestea, PIB real pe cap de locuitor a ajuns \u00een Rom\u00e2nia la 10.250 euro \u00een anul 2023, fiind la o treime din media UE.<\/p>\n

\u00centre gradul de intermediere financiar\u0103 \u015fi nivelul educa\u0163iei financiare exist\u0103 o leg\u0103tur\u0103 intrinsec\u0103. \u00cen Rom\u00e2nia gradul de intermediere financiar\u0103, calculat ca ponderea creditului neguver\u00adna\u00admental \u00een PIB, se plaseaz\u0103 la 24% \u00een anul 2023.<\/p>\n

Rom\u00e2nia se men\u0163ine pe ultima pozi\u0163ie \u00een topul Uniunii Europene \u00een ceea ce prive\u015fte gradul de intermediere financiar\u0103 calculat \u015fi ca pondere a activelor sectorului bancar \u00een PIB, de 49,9%, indicatorul fiind de circa 4,4 ori mai mic fa\u0163\u0103 de media Uniunii Europene.<\/p>\n

Importan\u0163a intermedierii financiare este dat\u0103 de influen\u0163a pozitiv\u0103 a acesteia asupra dezvolt\u0103rii economice a unei \u0163\u0103ri, corela\u0163ia fiind puternic\u0103, de 0,8. Intermedierea financiar\u0103 creeaz\u0103 premisele necesare cre\u015fterii economice viitoare. Factorii care influen\u0163eaz\u0103 creditarea includ evolu\u0163iile economice \u00een plan intern \u015fi interna\u0163ional, stabilitatea sistemului bancar, lichiditatea \u015fi rata de neperforman\u0163\u0103, evolu\u0163ia infla\u0163iei, a dob\u00e2nzilor \u015fi a cursului de schimb, cadrul legislativ \u015fi de reglementare, nivelul maturit\u0103\u0163ii resurselor financiare, birocra\u0163ie versus grad de digitalizare \u015fi automatizare, nivelul educa\u0163iei financiare \u015fi \u00eenclina\u0163ia \u015fi capacitatea clien\u0163ilor de a se \u00eemprumuta.<\/p>\n

Cu siguran\u0163\u0103 gradul de incluziune financiar\u0103 a dep\u0103\u015fit pragul de 70%, \u00eens\u0103 \u00een pofida eforturilor b\u0103ncilor de cre\u015ftere a incluziunii, exist\u0103 factori struc\u00adturali care afecteaz\u0103 acest poten\u0163ial de \u00eenrolare a clien\u0163ilor \u00een zona bancar\u0103. Economia gri ocupa o pondere de 24% din PIB \u00een Rom\u00e2nia \u00een anul 2021. Un alt factor care influen\u0163eaz\u0103 inclu\u00adziunea financiar\u0103 este un grad ridicat de s\u0103r\u0103cie \u015fi excluziune social\u0103, \u00een pofida gratuit\u0103\u0163ii contului curent de pl\u0103\u0163i de baz\u0103.<\/p>\n

Este imperios un efort sinergic public-privat pentru \u00eembun\u0103t\u0103\u0163irea indicatorilor de educa\u0163ie financiar\u0103, incluziune \u015fi intermediere financiar\u0103, pentru c\u0103 \u00eempreun\u0103 conduc la dezvol\u00adtarea economic\u0103 a Rom\u00e2niei.<\/p>\n

Sursa: aici<\/a><\/p>","protected":false},"excerpt":{"rendered":"

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