{"id":5730,"date":"2016-06-15T11:54:15","date_gmt":"2016-06-15T08:54:15","guid":{"rendered":"https:\/\/www.arb.ro\/?p=5730"},"modified":"2024-01-20T14:02:51","modified_gmt":"2024-01-20T12:02:51","slug":"plati-lei-la-standarde-europene","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/plati-lei-la-standarde-europene\/","title":{"rendered":"Pl\u0103\u0163i \u00een lei la standarde europene - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5730\" class=\"elementor elementor-5730\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-618960e0 e-flex e-con-boxed e-con e-parent\" data-id=\"618960e0\" 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-fdbf0b elementor-widget elementor-widget-text-editor\" data-id=\"fdbf0b\" 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><strong>Zona Unic\u0103 a Pl\u0103\u0163ilor \u00een Euro \u2013 Single Euro Payments Area \u2013 SEPA este proiectul de cea mai mare anvergur\u0103 derulat de industria european\u0103 a pl\u0103\u0163ilor, av\u00e2nd drept obiectiv realizarea unei pie\u0163e integrate pentru serviciile de pl\u0103\u0163i \u00een euro, prin eliminarea barierelor comerciale, legale \u015fi tehnice existente \u00eentre pie\u0163ele de pl\u0103\u0163i na\u0163ionale din Europa.<\/strong><br \/>Pia\u0163a unic\u0103 a pl\u0103\u0163ilor \u00een euro a devenit deja realitate \u00een zona euro, unde, \u00eencep\u00e2nd cu luna august 2014, toate pl\u0103\u0163ile prin transfer credit \u015fi debitare direct\u0103 \u00een euro, realizate la nivel na\u0163ional sau transfrontalier, respect\u0103 regulile de afaceri \u015fi cerin\u0163ele tehnice definite de standardele SEPA. Printre tr\u0103s\u0103turile cele mai importante ale acestor instrumente se num\u0103r\u0103:<\/p><ul><li>Acoperirea pan-european\u0103;<\/li><li>Transferul integral al sumei de plat\u0103 \u00een contul beneficiarului;<\/li><li>Transparen\u0163a comisioanelor prin eviden\u0163ierea separat\u0103 a acestora;<\/li><li>Termene maxime de decontare \u2013 o zi lucr\u0103toare pentru transfer credit, dou\u0103 zile lucr\u0103toare pentru pl\u0103\u0163ile periodice prin debitare direct\u0103;<\/li><li>Utilizarea codurilor de identificare BIC \u015fi IBAN pentru identificarea unic\u0103 a b\u0103ncii \u015fi num\u0103rului de cont;<\/li><li>Procesarea automatizat\u0103 prin sisteme de procesare electronice de la ini\u0163iatorul pl\u0103\u0163ii la beneficiarul final;<\/li><li>Utilizarea pe segmentul inter-bancar a mesajelor de plat\u0103 \u00een format ISO 20022 xML.<\/li><\/ul><p style=\"text-align: justify;\">O noutate a zonei SEPA este posibilitatea de a realiza \u015fi colecta pl\u0103\u0163i prin debitare direct\u0103 \u00een euro la nivel transfrontalier, prin armonizarea practicilor \u015fi adoptarea acelora\u015fi formate tehnice la nivelul pie\u0163elor na\u0163ionale.<\/p><p style=\"text-align: justify;\">Pentru zona non-euro, utilizarea instrumentelor SEPA pentru pl\u0103\u0163ile \u00een euro este obligatorie \u00eencep\u00e2nd cu data de 31 octombrie 2016, conform prevederilor Regulamentului (EU) 260\/2012, majoritatea b\u0103ncilor din Rom\u00e2nia oferind deja aceste servicii.<\/p><p style=\"text-align: justify;\">\u00cen plus, comunitatea bancar\u0103 din Rom\u00e2nia a demarat un proiect unic \u00een Uniunea European\u0103 care a avut ca obiectiv modernizarea fluxurilor interbancare de pl\u0103\u0163i prin adoptarea standardelor SEPA pentru pl\u0103\u0163ile \u00een lei \u015fi care a fost recent finalizat cu succes.<\/p><p style=\"text-align: justify;\">Adoptarea Schemelor SEPA pentru pl\u0103\u0163ile \u00een lei urm\u0103re\u015fte uniformizarea fluxurilor de pl\u0103\u0163i \u00een lei, automatizarea \u015fi facilitarea schimburilor de informa\u0163ii cu clien\u0163ii corporati\u015fti, dezvoltarea instrumentului de debitare direct\u0103 \u00een confor mitate cu standardele europene \u015fi adoptarea pe scar\u0103 larg\u0103 a acestuia, dar \u015fi diminuarea presiunii investi\u0163ionale \u015fi opera\u0163ionale determinate de adoptarea euro.<\/p><p style=\"text-align: justify;\">La data de 12 aprilie 2016, TRANSFOND, \u00eempreun\u0103 cu comunitatea bancar\u0103 din Rom\u00e2nia, au lansat noile instrumente de debitare direct\u0103 \u00een lei \u00een format SEPA \u015fi un serviciu adi\u0163ional \u2013 Registrul Unic al Mandatelor (RUM), o baz\u0103 de date\u00a0centralizat\u0103 care gestioneaz\u0103 toate mandatele de debitare direct\u0103 \u00een lei, \u00eenso\u0163it\u0103 de o aplica\u0163ie auxiliar\u0103 de Asisten\u0163\u0103 Mandate care permite generarea mandatelor preformatate.<\/p><p style=\"text-align: justify;\">Utilizarea noilor instrumente de debitare direct\u0103 \u00een lei ofer\u0103 o serie de avantaje pentru consu matori \u015fi pentru companiile care colecteaz\u0103 \u00eencas\u0103rile prin debitare direct\u0103.<br \/>Totodat\u0103, prin modernizarea infrastructurii na\u0163ionale de pl\u0103\u0163i oferit\u0103 de TRANSFOND, b\u0103ncile din Rom\u00e2nia beneficiaz\u0103 \u00een prezent de o baz\u0103 mai bun\u0103 pentru procesarea \u015fi reconcilierea automat\u0103 at\u00e2t a mesajelor de plat\u0103, c\u00e2t \u015fi a mesajelor de rezolvare a excep\u0163iilor.<\/p><p style=\"text-align: justify;\">Debitarea direct\u0103 asigur\u0103 o modalitate facil\u0103 de plat\u0103 a facturilor de utilit\u0103\u0163i \u015fi a altor servicii. Pentru ca un client pl\u0103titor s\u0103 nu mai aib\u0103 grija pl\u0103\u0163ilor lunare pe care trebuie s\u0103 le efectueze \u00een mod regulat, este suficient acum doar un cont deschis la o banc\u0103 furnizoare de servicii de debitare direct\u0103 \u015fi un mandat de plat\u0103 prin debitare direct\u0103 interbancar\u0103 \u00eencredin\u0163at furnizorului de servicii sau bunuri care utilizeaz\u0103 colectarea prin acest tip de instrument de plat\u0103 sau b\u0103ncii sale.<\/p><p style=\"text-align: justify;\">P\u00e2n\u0103 \u00een prezent, un mandat de debitare direct\u0103 trebuia transmis \u00een trei locuri: creditorului, b\u0103ncii acestuia \u015fi b\u0103ncii debitorului, de cele mai multe ori numai pe suport h\u00e2rtie.<br \/>Avantajul principal pentru un consumator care pl\u0103te\u015fte prin debitare direct\u0103 \u00een format SEPA este dat de faptul c\u0103 semneaz\u0103 \u015fi transmite mandatul o singur\u0103 dat\u0103, fie c\u0103tre banca sa, fie c\u0103tre furnizorul de servicii.<\/p><p style=\"text-align: justify;\">Mandatul este \u00eenso\u0163it de facilitatea transmiterii automate a informa\u0163iilor cuprinse \u00een mandat celorlalte p\u0103r\u0163i implicate. \u00cen plus, consumatorul este protejat fa\u0163\u0103 de orice \u00eencerc\u0103ri neautorizate de colectare de bani din contul s\u0103u prin debit direct interbancar.<\/p><p style=\"text-align: justify;\">Consumatorul care opteaz\u0103 pentru plata prin debitare direct\u0103 interbancar\u0103 beneficiaz\u0103, prin intermediul aplica\u0163iei de Asisten\u0163\u0103 Mandate, disponibil\u0103 24\/7\/365 pe site-ul TRANSFOND (https:\/\/am.transfond.ro), de centralizarea la nivel na\u0163ional a datelor despre furnizorii \u015fi despre b\u0103ncile care ofer\u0103 serviciile respective de plat\u0103, precum \u015fi de un format unic, standardizat al mandatului de debitare direct\u0103 \u00een rela\u0163ie interbancar\u0103.<\/p><p style=\"text-align: justify;\">Printre func\u0163iile Aplica\u0163iei de Asisten\u0163\u0103 Mandate se num\u0103r\u0103 \u015fi accesul on-line al furnizorilor, pl\u0103titorilor \u015fi operatorilor b\u0103ncilor, precum \u015fi facilitatea de generare a formularelor de mandate \u00een format pdf cu c\u00e2mpuri active, pre-completate cu datele furnizorului, \u00eenseriate cu o referin\u0163\u0103 unic\u0103.<\/p><p style=\"text-align: justify;\">Avantajele oferite clien\u0163ilor \u015fi b\u0103ncilor de utilizarea Registrului Unic al Mandatelor sunt urm\u0103toarele:<\/p><ul><li style=\"text-align: justify;\">Format unic, standardizat al mandatului \u00een rela\u0163ia interbancar\u0103;<\/li><li style=\"text-align: justify;\">Centralizarea datelor despre creditori (furnizori) \u015fi b\u0103ncile care ofer\u0103 servicii de debitare direct\u0103 la nivel interbancar;<\/li><li style=\"text-align: justify;\">Transmiterea, printr-un sistem automat \u015fi securizat, a informa\u0163iilor cuprinse \u00een mandat, f\u0103r\u0103 ca pl\u0103titorul s\u0103 fie obligat s\u0103 se prezinte \u015fi la creditor \u015fi la banca sa;<\/li><li style=\"text-align: justify;\">Un sistem unic pentru eviden\u0163\u0103\/gestiune centralizat\u0103 a tuturor mandatelor interbancare \u00een spa\u0163iul na\u0163ional (baz\u0103 de referin\u0163\u0103 unic\u0103);<\/li><li style=\"text-align: justify;\">Optimizarea fluxurilor opera\u0163ionale pentru clien\u0163i \u015fi b\u0103nci.<\/li><\/ul><p style=\"text-align: justify;\">Prin utilizarea Registrului Unic al Mandatelor, b\u0103ncile ofer\u0103 clien\u0163ilor un grad sporit de siguran\u0163\u0103 a pl\u0103\u0163ilor prin validarea instruc\u0163iunilor de debitare direct\u0103 cu mandatele corespunz\u0103toare, ob\u0163in\u00e2ndu-se eliminarea riscului de rambursare pentru colect\u0103ri neautorizate \u015fi reducerea num\u0103rului disputelor.<\/p><p style=\"text-align: justify;\">Avantajele Registrului Unic al Mandatelor din punct de vedere al furnizorilor care colecteaz\u0103 \u00eencas\u0103rile prin debitare direct\u0103 sunt urm\u0103toarele:<\/p><ul><li style=\"text-align: justify;\">Facilitarea gener\u0103rii de formulare electronice de ini\u0163iere a mandatelor cu referin\u0163\u0103 unic\u0103 a mandatului;<\/li><li style=\"text-align: justify;\">Element unic de referin\u0163\u0103 \u00een rela\u0163ia mandat-punct de consum\/contract\/cod client (mandat vs. instruc\u0163iune);<\/li><li style=\"text-align: justify;\">Optimizarea administr\u0103rii mandatelor, prin utilizarea unui formular standard, identificat unic la nivel na\u0163ional;<\/li><li style=\"text-align: justify;\">Solu\u0163ie informatic\u0103 disponibil\u0103 furnizorilor \u00een punctele de lucru, prin aplica\u0163ia<\/li><li style=\"text-align: justify;\">Asisten\u0163\u0103 Mandate;<\/li><li style=\"text-align: justify;\">Evitarea disputelor cu pl\u0103titorii, prin utili zarea mandatelor pre-validate;<\/li><li style=\"text-align: justify;\">Credibilitate, fiecare furnizor fiind declarat de o banc\u0103 pentru \u00eenrolare \u00een Registrul Unic al Mandatelor.<\/li><\/ul><p style=\"text-align: justify;\">Pentru furnizorii care colecteaz\u0103 \u00eencas\u0103ri prin debitare direct\u0103 interbancar\u0103, Registrul Unic al Mandatelor ofer\u0103 informa\u0163ii \u015fi notific\u0103ri referitoare la starea mandatelor, rapoarte periodice despre mandatele existente\/utilizate \u015fi prevalidarea mandatelor pentru evitarea disputelor cu pl\u0103titorii.<\/p><p style=\"text-align: justify;\">Derularea proiectului de lansare a noilor instrumente de debitare direct\u0103 \u00een lei a presupus crearea unei platforme de colaborare \u00eentre b\u0103nci \u015fi companiile care colecteaz\u0103 \u00eencas\u0103rile prin debitare direct\u0103. Comunicarea va continua \u015fi \u00een viitor pentru \u00eembun\u0103t\u0103\u0163irea calit\u0103\u0163ii serviciilor \u015fi cre\u015fterea volumului de pl\u0103\u0163i efectuate prin debitare direct\u0103.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-5738 size-full\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/sepa.jpg\" alt=\"sepa\" width=\"600\" height=\"350\" \/><\/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-a429c82 elementor-widget elementor-widget-button\" data-id=\"a429c82\" 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_mai_2016.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, mai 2016<\/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-5730","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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