{"id":4509,"date":"2015-03-17T13:28:01","date_gmt":"2015-03-17T11:28:01","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4509"},"modified":"2024-01-20T14:05:01","modified_gmt":"2024-01-20T12:05:01","slug":"arb-recomanda","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-recomanda\/","title":{"rendered":"ARB recomanda - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4509\" class=\"elementor elementor-4509\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dafe13d e-flex e-con-boxed e-con e-parent\" data-id=\"5dafe13d\" 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-4e8523d9 elementor-widget elementor-widget-text-editor\" data-id=\"4e8523d9\" 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>Implic\u0103-te \u00een banking!<\/h3><p style=\"text-align: justify;\">E\u0219ti o persoan\u0103 avizat\u0103 \u00een domeniul financiar &#8211; bancar? Atunci implic\u0103-te \u00een banking \u0219i recomand\u0103 site-ul <a href=\"http:\/\/www.educatiefinanciara.info\">www.educatiefinanciara.info<\/a>. Aproximativ 50% dintre rom\u00e2nii adul\u021bi nu sunt bancariza\u021bi, \u00een condi\u021biile \u00een care \u00een state dezvoltate precum Austria \u0219i Germania, ponderea persoanelor nebancarizate este de sub 1%. \u00cen Rom\u00e2nia, \u00een sfera persoanelor fizice bancarizate intr\u0103 cei peste 10 milioane de deponen\u021bi, aproximativ 43% din popula\u021bia activ\u0103 care a ales s\u0103 acceseze credite \u0219i utilizatorii de carduri sau alte produse \u0219i servicii bancare.<\/p><p style=\"text-align: justify;\">\u00a0Unul dintre obiectivele strategice ale Asocia\u021biei Rom\u00e2ne a B\u0103ncilor este contribu\u021bia la restabilirea \u00eencrederii \u0219i restaurarea unei imagini corecte a sectorului bancar prin promovarea rolului \u00een societate \u0219i \u00een economie al b\u0103ncilor. Rec\u00e2\u015ftigarea \u00eencrederii nu poate veni f\u0103r\u0103 \u00eent\u0103rirea disciplinei financiare \u0219i f\u0103r\u0103 o educa\u021bie financiar\u0103 corespunz\u0103toare.<\/p><p style=\"text-align: justify;\">Popula\u021bia a accesat 49% din creditele neguvernamentale aflate \u00een sold la finele lunii ianuarie 2015, ceea ce reprezint\u0103 aproximativ 23 miliarde de euro, potrivit datelor publicate de BNR. Suma este mai mare dac\u0103 ar fi s\u0103 includem creditele externalizate \u0219i \u00eemprumuturile contractate de la institu\u021biile financiare nebancare. Pierderea locurilor de munc\u0103, diminuarea salariilor \u0219i deprecierea monedei na\u021bionale \u00een raport cu valutele de \u00eemprumut (euro, dolari \u0219i franci elve\u021bieni) au determinat ca un sfert dintre rom\u00e2ni s\u0103 se declare ca fiind supra\u00eendatora\u021bi.<\/p><p style=\"text-align: justify;\">O analiz\u0103 comparativ\u0103 a situa\u021biei credit\u0103rii persoanelor fizice de la debutul crizei economice (\u00een ianuarie 2008 fa\u021b\u0103 de ianuarie 2015) arat\u0103 c\u0103 \u00een timp ce num\u0103rul persoanelor fizice cu restan\u021be mai mari de 30 de zile s-a dublat \u00een acest interval, p\u00e2n\u0103 la 710.820, valoarea restan\u021belor mai mari de 30 de zile a crescut de aproape 19 ori, la 11,4 miliarde lei (2,53 miliarde euro). Aceast\u0103 evolu\u021bie a restan\u021belor a avut loc \u00een contextul \u00een care nivelul dob\u00e2nzilor variabile la creditele ipotecare \u0219i de consum a sc\u0103zut cu peste 50% \u0219i chiar p\u00e2n\u0103 la 100% \u00een aceast\u0103 perioad\u0103. Ce ar fi \u00eensemnat o depreciere a monedei na\u021bionale cumulat\u0103 cu men\u021binerea nivelului dob\u00e2nzilor sau cre\u0219terea acestora? \u00cen schimb, peste 15% din volumul creditelor totale acordate de b\u0103nci sunt restructurate.<\/p><p style=\"text-align: justify;\">Efectele adverse ale crizei economice fac ca rela\u021bia dintre unii clien\u021bi \u0219i b\u0103nci s\u0103 fie uneori tensionat\u0103. Cunoa\u0219terea \u0219i asumarea corespunz\u0103toare a riscurilor sunt factori importan\u021bi \u00een recl\u0103direa \u00eencrederii reciproce.<\/p><p style=\"text-align: justify;\">&#8222;Dac\u0103 ai luat credit c\u00e2nd indicii Euribor sau Robor din contractul t\u0103u cu dob\u00e2nd\u0103 variabil\u0103 erau la minim istoric, atunci a\u0219teapt\u0103-te ca rata s\u0103-\u021bi creasc\u0103 dac\u0103 ace\u0219tia evolueaz\u0103 \u00een cre\u0219tere!&#8221;. Care este procentul \u00eemprumuta\u021bilor cu credite contractate \u00een perioada \u00een care Euribor \u0219i Robor sunt la mimim istoric care cunosc acest aspect \u0219i se a\u0219teapt\u0103 la o cre\u0219tere poate \u0219i cu 30-40% a ratei lunare pe viitor?<\/p><p style=\"text-align: justify;\">Acesta este unul dintre sfaturile pe care le adres\u0103m cititorilor site-ului <a href=\"http:\/\/www.educatiefinanciara.info\">www.educatiefinanciara.info<\/a> \u00een dorin\u021ba de a promova pentru publicul larg informa\u021biile de natur\u0103 financiar bancar\u0103 care permit asumarea corespunz\u0103toare a drepturilor, obliga\u021biilor \u015fi riscurilor de natur\u0103 financiar\u0103. Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor a lansat site-ul dedicat de educa\u021bie financiar\u0103 www.educatiefinanciara.info, ac\u021biunea fiind inclus\u0103 \u00een seria de evenimente pe care ARB le-a desf\u0103\u0219urat \u00een cadrul programului European Money Week, care s-a derulat la nivel european \u00een perioada 9 -13 martie 2015. Site-ul www.educatiefinanciara.info \u00ee\u0219i propune s\u0103 fie site-ul num\u0103rul unu de educa\u021bie financiar\u0103 obiectiv\u0103, actualizat\u0103, neviciat\u0103 \u0219i riguroas\u0103 \u00een acord cu politicile generale ale institu\u021biilor de credit din Rom\u00e2nia.<\/p><p style=\"text-align: justify;\">Invit\u0103m persoanele interesate de no\u021biunile financiar bancare privind drepturile, obliga\u021biile \u0219i riscurile \u00een creditare, de economisire, de solu\u021biile generale pentru restructurarea creditelor sau de modalitatea de evitare a fraudelor s\u0103 acceseze site-ul www.educatiefinanciara.info. Invit\u0103m persoanele avizate s\u0103 recomande utilizarea informa\u021biilor postate pe site. Vom continua s\u0103 adaug\u0103m informa\u021bii noi prin valorificarea expertizei speciali\u0219tilor din sistemul bancar pentru a veni c\u00e2t mai aproape de nevoile de informare ale clien\u021bilor institu\u021biilor de credit \u0219i ale persoanelor nebancarizate.<\/p><p style=\"text-align: justify;\">Programul European Money Week a fost lansat la ini\u021biativa asocia\u021biilor bancare membre ale Federa\u021biei Bancare Europene, la care Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor este membr\u0103, \u0219i a constat \u00een desf\u0103\u0219urarea, \u00een premier\u0103, a unei serii de evenimente \u0219i ac\u021biuni de educa\u021bie financiar\u0103 \u00een perioada 9 &#8211; 13 martie 2015 \u00een 23 din cele 28 de state europene care s-au \u00eenscris \u00een program. Obiectivul organiz\u0103rii European Money Week, pe baze anuale, este cre\u0219terea nivelului de con\u0219tientizare la nivel european privind importan\u021ba educa\u021biei financiare. Acesta este \u0219i obiectivul Protocolului de Colaborare \u00eencheiat de ARB cu Academia de Studii Economice din Bucure\u0219ti, \u00een luna ianuarie 2015, de a crea o platform\u0103 comun\u0103, a mediului academic economic \u0219i a sistemului bancar rom\u00e2nesc, de promovare pentru publicul larg a informa\u021biilor de natur\u0103 financiar bancar\u0103 pentru a crea un comportament economico financiar adecvat \u00een r\u00e2ndul popula\u021biei, dar \u0219i \u00een r\u00e2ndul viitorilor bancheri, actualmente studen\u021bi \u0219i masteranzi. ARB \u0219i institu\u021biile de credit membre au derulat deja \u0219i vor continua s\u0103 dezvolte proiecte de educa\u021bie financiar\u0103 \u0219i de gestionare corespunz\u0103toare a bugetelor. Implic\u0103-te \u00een banking \u0219i recomand\u0103 <a href=\"http:\/\/www.educatiefinanciara.info\">www.educatiefinanciara.info<\/a>.<\/p><p>\u00a0<\/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-8927310 elementor-widget elementor-widget-button\" data-id=\"8927310\" 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_martie2_2015.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>Implic\u0103-te \u00een banking!<\/h3>\n<p>Gabriela Folcu\u0163, Pre\u0219edinte Comisia de Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor  &#8211; <em>Pia\u021ba Financiar\u0103, martie 2015<\/em><\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4509","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ARB recomanda - 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-recomanda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ARB recomanda - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Implic\u0103-te \u00een banking! Gabriela Folcu\u0163, Pre\u0219edinte Comisia de Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor - Pia\u021ba Financiar\u0103, martie 2015\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/arb-recomanda\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2015-03-17T11:28:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T12:05:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcut2-31-e1712223809229.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"382\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Julius\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julius\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"ARB recomanda\",\"datePublished\":\"2015-03-17T11:28:01+00:00\",\"dateModified\":\"2024-01-20T12:05:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/\"},\"wordCount\":901,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/GabrielaFolcut2-31-e1712223809229.jpg\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/arb-recomanda\\\/\",\"name\":\"ARB recomanda - 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