{"id":5235,"date":"2015-12-19T11:57:35","date_gmt":"2015-12-19T09:57:35","guid":{"rendered":"https:\/\/www.arb.ro\/?p=5235"},"modified":"2024-01-20T14:03:04","modified_gmt":"2024-01-20T12:03:04","slug":"servicii-financiare-accesibile-si-transparente-la-nivel-european","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/servicii-financiare-accesibile-si-transparente-la-nivel-european\/","title":{"rendered":"Servicii financiare accesibile \u015fi transparente la nivel european - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5235\" class=\"elementor elementor-5235\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d012c73 e-flex e-con-boxed e-con e-parent\" data-id=\"4d012c73\" 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-36dfabd0 elementor-widget elementor-widget-text-editor\" data-id=\"36dfabd0\" 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<p style=\"text-align: justify;\"><strong>Serviciile financiare pentru consumatori, a\u0219a cum sunt conturile bancare, creditele, ipotecile \u0219i asigur\u0103rile fac parte din via\u021ba de zi cu zi, dar pentru mul\u0163i cet\u0103\u0163eni europeni accesul la aceste servicii este dificil, mai ales la nivel transfrontalier.<\/strong><\/p><p style=\"text-align: justify;\">Mobilitatea \u00een Uniunea European\u0103 \u2013 un spa\u0163iu \u00een care cet\u0103\u0163enii c\u0103l\u0103toresc sau se mut\u0103 \u00eentr-o alt\u0103 \u0163ar\u0103 pentru a lucra, a studia sau a se retrage la pensie &#8211; cre\u015fte necesitatea ca serviciile financiare s\u0103 fie portabile \u015fi accesibile \u00een condi\u0163ii similare, oriunde \u00een Europa.<\/p><p style=\"text-align: justify;\">\u00cen prezent exist\u0103 bariere care creeaz\u0103 dificult\u0103\u0163i din punct de vedere al accesului la servicii financiare celor 13,6 milioane de cet\u0103\u0163eni europeni care tr\u0103iesc \u00eentr-un alt stat membru dec\u00e2t \u0163ara lor de origine.<\/p><p style=\"text-align: justify;\">\u00cen acela\u015fi timp, furnizorii de servicii financiare \u00eent\u00e2mpin\u0103 dificult\u0103\u0163i atunci c\u00e2nd doresc s\u0103 \u00ee\u015fi extind\u0103 serviciile \u00eentr-o pia\u0163\u0103 mai mare, din cauza costurilor suplimentare \u015fi a complexit\u0103\u0163ii pe care o implic\u0103 operarea la nivel transfrontalier.<\/p><p style=\"text-align: justify;\">Statisticile realizate la nivel european arat\u0103 c\u0103 doar 3% dintre consumatori au achizi\u0163ionat un produs bancar \u2013 un card de credit, un cont curent sau o ipotec\u0103 \u2013 dintr-un alt stat membru, \u00een timp ce creditele acordate la nivel transfrontalier reprezint\u0103 mai pu\u0163in de 1% din num\u0103rul total al creditelor.<\/p><p style=\"text-align: justify;\">Comisia European\u0103 a ini\u0163iat o ampl\u0103 consultare a pie\u0163ei, care se va derula \u00een cursul urm\u0103toarelor trei luni, asupra modalit\u0103\u021bilor de a crea o pia\u021b\u0103 mai puternic\u0103 a serviciilor financiare pentru consumatori la nivel european, care s\u0103 permit\u0103 accesul acestora la cele mai bune oferte, la o palet\u0103 mai larg\u0103 de op\u021biuni \u015fi la pre\u021buri mai competitive.<\/p><p style=\"text-align: justify;\">Consultarea lansat\u0103 de Comisia European\u0103 prive\u0219te serviciile financiare din perspectiva consumatorilor, cu scopul de a cre\u015fte competi\u0163ia, transparen\u0163a \u015fi diversitatea ofertelor. Autorit\u0103\u0163ile europene \u00ee\u015fi propun s\u0103 identifice \u015fi s\u0103 elimine barierele nejustificate pe care consumatorii le \u00eent\u00e2mpin\u0103 atunci c\u00e2nd doresc s\u0103 acceseze transfrontalier servicii financiare.<\/p><p style=\"text-align: justify;\">C\u00e2teva exemple privind necesitatea de a accesa servicii financiare la nivel transfrontalier sunt prezentate \u00een continuare:<\/p><ul><li>Deschiderea unui cont bancar sau achizi\u0163ia unui produs de economii \u00eentr-o alt\u0103 \u0163ar\u0103 dec\u00e2t cea de origine;<\/li><li>Utilizarea aceluia\u015fi cont bancar, a aceluia\u015fi card de debit sau a aceleia\u015fi asigur\u0103ri de s\u0103n\u0103tate pe perioada \u015federii \u00eentr-un alt stat membru al Uniunii Europene;<\/li><li>Transferul de bani \u00eentr-o alta valut\u0103 sau utilizarea cardului de credit \u00een cursul vacan\u0163elor, \u00een acelea\u015fi condi\u0163ii \u2013 accesibilitate \u015fi costuri \u2013 ca acas\u0103;<\/li><li>\u00cenchirierea unei ma\u015fini sau o rezervare la hotel intr-o alt\u0103 \u0163ar\u0103 european\u0103, \u00een acelea\u015fi condi\u0163ii ca \u00een \u0163ara de origine;<\/li><li>Ob\u0163inerea unei ipoteci de la un furnizor din alt\u0103 \u0163ar\u0103 \u00een condi\u0163ii similare la nivel european;<\/li><li>Posibilitatea de a schimba furnizorul unui cont bancar, a unui card de credit, a unui \u00eemprumut sau a unei poli\u0163e de asigurare, cu u\u015furin\u0163\u0103 \u015fi f\u0103r\u0103 costuri suplimentare, \u00een cazul existen\u0163ei pe pia\u0163\u0103 a unor oferte mai competitive.<\/li><\/ul><p style=\"text-align: justify;\">Scopul urm\u0103rit de autorit\u0103\u0163ile europene \u00een consultarea pie\u0163ei este de a se asigura c\u0103 cet\u0103\u0163enii europeni care doresc s\u0103 achizi\u0163ioneze transfrontalier servicii financiare sunt capabili s\u0103 fac\u0103 acest lucru, la un nivel adecvat privind protec\u0163ia consumatorului, standardele de securitate \u015fi costurile.<\/p><p style=\"text-align: justify;\">Un alt obiectiv este acela de a u\u015fura activitatea companiilor care doresc s\u0103 ofere produse financiare de retail \u00een alte state membre ale Uniunii Europene, ceea ce ar permite \u015fi un acces al consumatorilor europeni la o gam\u0103 mult mai larg\u0103 \u015fi mai variat\u0103 de servicii.<\/p><p style=\"text-align: justify;\">Este luat \u00een considerare \u015fi impactul tehnologiei digitale asupra pie\u0163ei. Serviciile digitale precum serviciile bancare on-line, creditare peer-to-peer sau website-uri de compara\u0163ie a ofertelor pot constitui oportunit\u0103\u0163i pentru furnizori sau pentru consumatori, dar creaz\u0103 \u015fi provoc\u0103ri privind cadrul de reglementare \u015fi protec\u0163ia consumatorilor.<\/p><p style=\"text-align: justify;\">Consultarea Comisiei Europene vine s\u0103 completeze un num\u0103r de ini\u0163iative care sunt \u00een curs de implementare \u00een Uniunea European\u0103, precum:<\/p><ul><li style=\"text-align: justify;\">Directiva conturilor bancare, ce va \u00eembun\u0103t\u0103\u0163i transparen\u0163a comisioanelor \u015fi va crea posibilitatea schimb\u0103rii furnizorului contului de pl\u0103\u0163i,<\/li><li style=\"text-align: justify;\">Directiva privind creditul ipotecar, ce reglementeaz\u0103 o creditare ipotecar\u0103 responsabil\u0103 la nivel european,<\/li><li style=\"text-align: justify;\">Directiva distribu\u0163iei asigur\u0103rilor, pentru o mai mare transparen\u0163\u0103 \u015fi gam\u0103 de op\u0163iuni pentru produsele de asigur\u0103ri;<\/li><li style=\"text-align: justify;\">Strategia Comisiei Europene privind pia\u0163a unic\u0103, pentru reducerea barierelor \u015fi prevenirea discrimin\u0103rii la nivelul Uniunii Euriopene;<\/li><li style=\"text-align: justify;\">Strategia privind pia\u0163a unic\u0103 digital\u0103, pentru accelerarea accesului la servicii \u015fi produse digitale.<\/li><\/ul><p style=\"text-align: justify;\">Mai multe detalii despre documentul publicat de Comisia European\u0103 <em>\u201cGreen Paper on retail financial services\u201d<\/em>, supus consult\u0103rii publice p\u00e2n\u0103 la data de 18 martie 2016, pot fi g\u0103site pe site-ul web al Comisiei Europene, link <a href=\"http:\/\/europa.eu\/rapid\/press-release_MEMO-15-6287_en.htm\">http:\/\/europa.eu\/rapid\/press-release_MEMO-15-6287_en.htm<\/a>.<\/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-a4cf013 elementor-widget elementor-widget-button\" data-id=\"a4cf013\" 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_decembrie2_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":"<p>Rodica Tuchil\u0103, Director ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 2015 <\/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-5235","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 - 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