{"id":4268,"date":"2014-11-18T14:05:10","date_gmt":"2014-11-18T12:05:10","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4268"},"modified":"2024-01-20T14:05:58","modified_gmt":"2024-01-20T12:05:58","slug":"swift-business-forum-romania-4","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/swift-business-forum-romania-4\/","title":{"rendered":"SWIFT BUSINESS FORUM ROMANIA - only in romanian"},"content":{"rendered":"
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Serviciile financiar bancare \u2013 de la conformitate la inova\u021bie<\/h3>

SWIFT Business Forum Romania, evenimentul anual al comunit\u0103\u021bii financiar-bancare din Rom\u00e2nia, ajuns la cea de V-a edi\u021bie, s-a desf\u0103\u0219urat la Bucure\u0219ti la data de 30 octombrie 2014. Ini\u021biatorii Forumului – Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor \u015fi SWIFT \u2013 \u015fi-au propus ca acest eveniment s\u0103 devin\u0103 o platform\u0103 permanent\u0103 de dezbatere a unor subiecte relevante pentru industria financiar-bancar\u0103 din Rom\u00e2nia.<\/em><\/p>

Edi\u021bia din acest an Forumului s-a desf\u0103\u0219urat sub titlul \u201eServiciile financiar bancare \u2013 de la conformitate la inova\u021bie\u201d. <\/em>Sala Rond\u0103 a Hotelului Intercontinental a fost pentru o zi gazda evenimentului care a reunit peste 140 participan\u021bi, reprezent\u00e2nd institutii de credit, societ\u0103\u021bi de investi\u021bii financiare, emiten\u021bi de instrumente financiare, furnizori de solu\u021bii informatice destinate pie\u021bei financiar-bancare, consultan\u021bi, societ\u0103\u021bi comerciale.<\/p>

Radu Gra\u021bian Ghe\u021bea, Pre\u0219edinte al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u0219i Pre\u0219edintele Grupului Membrilor SWIFT din Rom\u00e2nia, a deschis lucr\u0103rile conferin\u021bei, f\u0103c\u00e2nd o radiografie a sistemului bancar din Rom\u00e2nia, un sistem solid \u0219i de \u00eencredere, fapt ce se datoreaz\u0103 unei supravegheri stricte a b\u0103ncii centrale, managementului de calitate al b\u0103ncilor dar \u015fi \u00eencrederii ac\u0163ionarilor b\u0103ncilor str\u0103ine, care au investit pentru capitalizarea subsidiarelor din Rom\u00e2nia. Sistemul bancar \u015fi-a demonstrat stabilitatea structural\u0103 \u0219i a reu\u015fit, f\u0103r\u0103 dificult\u0103\u0163i majore, s\u0103 dep\u0103\u015fesc\u0103 provoc\u0103rile legate volumul creditelor neperformante \u015fi de optimizarea portofoliilor de credite pe fondul constr\u00e2ngerilor de reglementare.<\/p>

Radu Ghe\u021bea a precizat c\u0103 soliditatea sistemului bancar din Rom\u00e2nia a fost confirmat\u0103 \u0219i dup\u0103 recentele teste de stress realizate de Banca Central\u0103 European\u0103. \u00cen acest context, Banca Na\u021bional\u0103 a Rom\u00e2niei a precizat c\u0103 subsidiarele grupurilor bancare cuprinse \u00een evaluare care opereaz\u0103 pe pia\u021ba rom\u00e2neasc\u0103 au rate de adecvare a capitalului superioare pragurilor reglementate. Gradul de capitalizare al sistemului bancar rom\u00e2nesc este confortabil, de 17% \u00een iunie 2014, \u00een condi\u021biile \u00een care pragul minim stabilit conform cadrului de reglementare european CRD IV\/CRR este de 8%.<\/p>

Pre\u0219edintele Asocia\u021biei Rom\u00e2ne a B\u0103ncilor s-a referit \u00een continuare la provoc\u0103rile care stau \u00een fa\u021ba sistemului bancar, precum noile cerin\u021be de provizioane \u0219i de monitorizare a riscurilor, generate de cre\u0219terea num\u0103rului de companii comerciale intrate \u00een insolven\u021b\u0103 – dac\u0103 \u00een urm\u0103 cu patru ani o companie din 30 era \u00een insolven\u0163\u0103, \u00een prezent una din 7 firme este \u00een insolven\u0163\u0103.<\/p>

Legat de tehnologie, Radu Ghe\u021bea a apreciat c\u0103 riscurile asociate activit\u0103\u021bii IT&C devin din ce \u00een ce mai pregnante \u00een evaluarea riscurilor \u00een general, un risc major fiind dependen\u021ba b\u0103ncilor de furnizorii de aplica\u021bii informatice \u0219i de telecomunica\u021bii. O tendin\u021b\u0103 actual\u0103 este cea de internalizare a dezvolt\u0103rii aplica\u021biilor software, astfel unele b\u0103nci mari din Europa au \u00eenceput s\u0103 dezvolte software in-house pentru a avea mai mult\u0103 independen\u021b\u0103, unele dintre aceste centre fiind chiar \u00een Rom\u00e2nia, cunoscut\u0103 pentru calitatea speciali\u0219tilor din industria IT. O solu\u021bie posibil\u0103 a acestei probleme poate fi utilizarea aplica\u021biilor open source<\/em> \u00een serviciile financiar-bancare, o ini\u021biativ\u0103 de acest fel apar\u021bin\u00e2nd companiei Allevo, partener certificat pentru servicii \u0219i solu\u021bii SWIFT.<\/p>

Fin Otto Hansen, membru al Board-ului SWIFT, a vorbit despre strategia SWIFT2020, pentru care a fost lansat de cur\u00e2nd un process amplu de consultare a comunit\u0103\u021bilor na\u021bionale. Reprezentantul SWIFT a precizat c\u0103 aceast\u0103 strategie apare \u00een condi\u021biile \u00een care multe b\u0103nci nu mai emit astfel de planuri, pentru c\u0103 mediul se schimb\u0103 substan\u021bial \u0219i \u00eentr-un ritm foarte alert, dar pentru o organiza\u021bie care se bazeaz\u0103 \u00een principal pe tehnologie cum este SWIFT, ceea ce este valabil \u00een business peste cinci ani se \u00eent\u00e2mpl\u0103 deja, de aceea strategia este important\u0103.<\/p>

SWIFT2020 propune cinci direc\u021bii de ac\u0163iune, astfel: procesarea de pl\u0103\u0163i na\u0163ionale \u00een timp real 24\/7, pl\u0103\u0163i interna\u0163ionale persoan\u0103-la-persoan\u0103 (P2P), dezvoltarea solu\u0163iilor de conformitate cu cerin\u0163ele privind criminalitatea financiar\u0103, extinderea solu\u0163iilor pentru corpora\u0163ii \u0219i dezvoltarea solu\u0163iilor pentru tranzac\u021bii cu produse de investi\u021bii financiare.<\/p>

S\u00f8ren Haugaard, Global Head of Trade & Supply Chain Finance, Danske Bank, a vorbit \u00een continuare despre rolul colabor\u0103rii \u00een industria financiar-bancar\u0103 \u0219i despre beneficiile aduse de apartenen\u0163a la organiza\u0163ii cum este European SWIFT Alliance (ESA). \u00cenfiin\u021bat\u0103 \u00een anul 2001, ESA cuprinde \u00een prezent comunit\u0103\u021bile na\u021bionale SWIFT din 30 de \u021b\u0103ri \u2013 printre care \u0219i Rom\u00e2nia din anul 2009 – fiind un spa\u021biu al cooper\u0103rii \u0219i colabor\u0103rii, al schimbului permanent de experien\u021b\u0103 \u0219i informa\u021bii privind solu\u021biile \u0219i infrastructura SWIFT, dar \u0219i problemele \u0219i proiectele comunit\u0103\u021bilor bancare din regiune.<\/p>

\u00cen continuare, Andre Boico, Head of Pricing SWIFT, a vorbit despre politica organiza\u021biei de reducere a costurilor tranzac\u0163iilor, anun\u0163\u00e2nd c\u0103 a fost realizat – cu un an mai devreme dec\u00e2t era planificat – angajamentul SWIFT de a reduce \u00eentre 2010 \u015fi 2015 pre\u0163urile mesageriei SWIFT cu procente cuprinse \u00eentre 30 \u015fi 50%, un obiectiv al organiza\u0163iei cuprins \u00een strategia SWIFT2015. Referitor la evolu\u0163ia traficului SWIFT \u00een Rom\u00e2nia, Andre Boico a ar\u0103tat c\u0103 \u00een ultimii ani s-a manifestat o cre\u015ftere constant\u0103 anual\u0103 \u00een medie de 10% a traficului SWIFT \u0219i c\u0103 Rom\u00e2nia a avut o cre\u015ftere important\u0103 a traficului de circa 42% \u00een ultimii 4 ani.<\/p>

SWIFT Business Forum a continuat cu o sesiune dedicat\u0103 impactului noilor reglement\u0103ri asupra sistemului financiar-bancar \u0219i stadiului proiectelor comunit\u0103\u021bii financiar-bancare din Rom\u00e2nia \u00een domeniul pl\u0103\u021bilor \u0219i al tranzac\u021biilor cu instrumente financiare \u00een contextul ini\u021biativelor europene, sesiune moderat\u0103 de Michael Formann, Head of SWIFT Austria \/ Central and Eastern Europe.<\/p>

Ruxandra Avram, \u0218ef Departament la Direc\u0163ia Stabilitate Financiar\u0103, Banca Na\u021bional\u0103 a Rom\u00e2niei, a prezentat principalele provoc\u0103ri care stau \u00een fa\u021ba industriei pl\u0103\u021bilor la nivel european: finalizarea integr\u0103rii financiare \u00een Europa, protec\u0163ia consumatorilor serviciilor de pl\u0103\u0163i, securitatea instrumentelor de plat\u0103, accesul entit\u0103\u021bilor din afara sistemului bancar la contul de pl\u0103\u021bi, monitorizarea de c\u0103tre autorit\u0103\u021bile competente. Reprezentatul b\u0103ncii centrale a detaliat prevederile \u0219i impactul Directivei Conturilor de Pl\u0103\u021bi, recent aprobat\u0103 de autorit\u0103\u021bile europene, reglementare menit\u0103 s\u0103 uniformizeze practicile la nivel european \u015fi av\u00e2nd ca scop favorizarea accesului reziden\u0163ilor \u015fi non reziden\u0163ilor la un cont de pl\u0103\u021bi de baz\u0103, pentru cre\u0219terea gradului de bancarizare \u00een special \u00een state emergente precum Rom\u00e2nia, comparabilitatea comisioanelor la conturile bancare \u015fi o mobilitate sporit\u0103 a conturilor curente.<\/p>

\u00cen paralel cu necesitatea de a aplica noile reglement\u0103ri, sistemul bancar din Rom\u00e2nia a implementat \u0219i auto-reglementarea \u00een domeniul pl\u0103\u021bilor na\u0163ionale. Constantin Rotaru, Consilier principal \u015fi coordonatorul acestei activit\u0103\u0163i \u00een cadrul ARB, a prezentat modul \u00een care comunitatea bancar\u0103 din Rom\u00e2nia s-a organizat pentru auto-reglementare \u00een domeniul pl\u0103\u021bilor \u00een procesul de adoptare a standardelor SEPA pentru pl\u0103\u0163ile \u00een lei.<\/p>

\u00cen continuare, s-a discutat despre stadiul proiectelor comunitatii financiar-bancare din Romania. Ionel Dumitru, Consilier al Directorului General al TransFonD, a vorbit despre stadiul Programului de dezvoltare \u015fi modernizare a sistemului electronic de pl\u0103\u0163i de mic\u0103 valoare, pa\u0219ii parcur\u0219i p\u00e2n\u0103 \u00een prezent \u0219i lec\u021biile \u00eenv\u0103\u021bate, precum \u0219i despre etapa urm\u0103toare a cestui proiect: lansarea SEPA Direct Debit planificat\u0103 pentru luna martie 2016.<\/p>

Adriana T\u0103n\u0103soiu, Director General la Depozitarul Central, a vorbit despre pia\u0163a de capital din Rom\u00e2nia, despre standardizare, colaborare \u0219i bune practici la nivelul acestei pie\u0163e \u00een contextul european, precum \u0219i despre proiectul de conectare a Depozitarului Central la sistemul european unic de compensare, Target2Securities, proiect derulat de c\u0103tre Banca Central\u0103 European\u0103.<\/p>

Ca \u0219i la edi\u021biile precedente, o sesiune a Forumului a fost dedicat\u0103 inova\u021biei \u00een industria financiar – bancar\u0103. Felix Enescu, ConsultBlue, a vorbit despre oportunit\u0103\u021bile \u0219i provoc\u0103rile aduse de evolu\u021bia tehnologiei, \u201eInternet of things\u201d, schimbarea permanent\u0103 a cerin\u021belor clien\u021bilor serviciilor financiare \u0219i despre tendin\u021be \u00een evolu\u021bia serviciilor financiar bancare \u00een acest context.<\/p>

Ruud van der Horst, consultant cu o vast\u0103 experin\u0163\u0103 \u00een domeniul bancar, s-a referit la modul \u00een care b\u0103ncile ar trebui s\u0103 ac\u0163ioneze pentru a \u021bine pasul cu evolu\u0163ia tehnologiei, pentru a face fa\u021b\u0103 competi\u0163iei \u0219i cerin\u0163elor \u00een permanent\u0103 schimbare ale clien\u021bilor.<\/p>

Corina Mihalache, CEO Allevo, a subliniat avantajele pe care le aduc aplica\u0163iile open source \u015fi faptul c\u0103 acestea \u00eencep s\u0103 p\u0103trund\u0103 \u015fi \u00een domeniul financiar-bancar, colaborarea pe o platform\u0103 deschis\u0103 put\u00e2nd reprezenta o solu\u021bie adecvat\u0103 pentru b\u0103nci \u00een contextul actual.<\/p>

Nout\u0103\u021bi privind serviciile \u0219i solu\u021biile SWIFT \u0219i ale partenerilor s\u0103i au fost prezentate \u00een cadrul unor sesiuni paralele interactive, care au cuprins: directoare cu date de referin\u021b\u0103 – SWIFTRef, solu\u021bia MyStandards pentru administrarea standardelor la nivelul institu\u021biilor sau al comunit\u0103\u021bilor financiar-bancare, modific\u0103rile standardului ISO pentru codurile BIC (Business Identifier Code<\/em>) \u0219i implementarea noilor coduri pentru identificarea unic\u0103 a entit\u0103\u021bii legale LEI (Legal Entity Identifier<\/em>), servicii SWIFT \u00een cloud<\/em>, solu\u021bii pentru opera\u021biuni cu produse de investi\u021bii financiare \u0219i solu\u021bii open source<\/em> de la Allevo.<\/p>

Edi\u021bia din acest an a SWIFT Business Forum Rom\u00e2nia a adus \u00een premier\u0103 o sesiune dedicat\u0103 conformit\u0103\u021bii cu reglement\u0103rile \u00een domeniul prevenirii sp\u0103l\u0103rii banilor \u0219i criminalit\u0103\u021bii financiare, care este una dintre cele mai mari provoc\u0103ri pentru industria global\u0103 a serviciilor financiar-bancare. Sesiunea a fost sus\u021binut\u0103 de Steven Palstermans, Head of Compliance Initiatives, Central and Eastern Europe SWIFT, care a prezentat portofoliul dezvoltat de SWIFT corelat cu reglement\u0103rile \u00een domeniu la nivel interna\u0163ional \u015fi care cuprinde: solu\u021biile Sanctions Screening <\/em>\u0219i Sanctions Testing<\/em>, noul registru global KYC \u2013 Know Your Correspondent – Registry<\/em>, serviciile Compliance Analitycs <\/em>\u0219i Onsite Business Intelligence<\/em>.<\/p>

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDownload<\/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":"

Serviciile financiar bancare \u2013 de la conformitate la inova\u021bie<\/h3>\n

Rodica Tuchil\u0103, Director, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, SWIFT User Group Chairperson Romania – Pia\u021ba Financiar\u0103, noiembrie 2014<\/em><\/p>","protected":false},"author":3,"featured_media":2646513,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSWIFT BUSINESS FORUM ROMANIA - 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\/swift-business-forum-romania-4\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SWIFT BUSINESS FORUM ROMANIA - 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