{"id":26670,"date":"2024-05-10T07:52:25","date_gmt":"2024-05-10T07:52:25","guid":{"rendered":"https:\/\/www.theconservative.online\/transformarea-sectorului-bancar-in-ue-cazul-baltic"},"modified":"2024-05-10T07:52:25","modified_gmt":"2024-05-10T07:52:25","slug":"transformarea-sectorului-bancar-in-ue-cazul-baltic","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic","title":{"rendered":"Transformarea sectorului bancar \u00een UE: cazul baltic"},"content":{"rendered":"<p><span data-contrast=\"auto\">Cuvintele &#8222;banc\u0103&#8221;, &#8222;finan\u021be&#8221;, &#8222;\u00eemprumut&#8221; sau &#8222;transfer&#8221; nu sunt necunoscute oricui este suficient de b\u0103tr\u00e2n pentru a putea face orice tranzac\u021bie monetar\u0103. Cu toate acestea, exist\u0103 mul\u021bi termeni noi care au ap\u0103rut ca urmare a profesionaliz\u0103rii economiei \u00een cadrul societ\u0103\u021bii civile, adic\u0103 de c\u00e2nd cet\u0103\u021benii au dob\u00e2ndit cuno\u0219tin\u021be \u00een termeni economici; rata de rentabilitate a capitalului sau marja net\u0103 de dob\u00e2nd\u0103 sunt doar c\u00e2\u021biva dintre ace\u0219tia.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Poate c\u0103, crizele economice aproape ciclice din 2008 \u00eencoace, vulnerabilit\u0103\u021bile sectorului bancar odat\u0103 cu introducerea de noi instrumente tehnologice, incertitudinea dup\u0103 invazia rus\u0103 \u00een Ucraina sau infla\u021bia au creat un sentiment de \u00eengrijorare sau interes \u00een r\u00e2ndul societ\u0103\u021bii cu privire la nevoia de a \u0219ti ce se \u00eent\u00e2mpl\u0103 cu banii lor. Acest lucru, printre multe alte date, este ar\u0103tat \u00een raportul prezentat de Grupul parlamentar european ECR &#8222;Transformarea sectorului bancar \u00een Uniunea European\u0103 \u0219i \u00een Europa de Nord \u0219i impactul s\u0103u asupra concuren\u021bei sectoriale \u00een statele baltice&#8221;.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">\u00cen acest caz, de\u0219i se face o reflec\u021bie general\u0103 asupra situa\u021biei actuale a sectorului financiar \u00een Europa, se prezint\u0103 particularit\u0103\u021bile care caracterizeaz\u0103 acest sector \u00een \u021b\u0103rile baltice: Lituania, Letonia \u0219i Estonia, conduc la concluzii importante.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">\u00cen primul r\u00e2nd, este important s\u0103 subliniem c\u0103 activitatea desf\u0103\u0219urat\u0103 de institu\u021biile bancare \u0219i financiare are o importan\u021b\u0103 relevant\u0103 pentru \u00eentreaga societate din orice parte a lumii. Cu alte cuvinte, b\u0103ncile sunt responsabile, printre altele, de finan\u021barea podurilor, drumurilor, aeroporturilor \u0219i a diferitelor infrastructuri necesare pentru buna func\u021bionare a oric\u0103rei comunit\u0103\u021bi. \u00cen plus, nu este vorba doar de crearea de noi infrastructuri, ci \u0219i de generarea de noi locuri de munc\u0103 \u0219i de cre\u0219terea num\u0103rului de angaja\u021bi, ceea ce are efecte benefice asupra s\u0103n\u0103t\u0103\u021bii economice \u0219i sociale.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Schimb\u0103rile sau circumstan\u021bele men\u021bionate mai sus au adus cu ele schimb\u0103ri profunde, aproape structurale, \u00een cadrul sectorului financiar, iar aceasta este o consecin\u021b\u0103 direct\u0103 a necesit\u0103\u021bii predominante ca b\u0103ncile s\u0103 existe, de\u0219i trebuie reconvertite la o realitate mai digital\u0103. Astfel, se nasc a\u0219a-numitele &#8222;neobanci&#8221;, adic\u0103 b\u0103nci care ofer\u0103 doar servicii digitale. Acest lucru, pentru vremurile tehnologice actuale, pare a fi un avantaj \u0219i un instrument mai mult dec\u00e2t util pentru a nu rata ceea ce unii au numit revolu\u021bie tehnologic\u0103. Pe de alt\u0103 parte, acest lucru nu poate fi \u00een niciun caz \u00een detrimentul unui serviciu de baz\u0103, care, a\u0219a cum am men\u021bionat \u00een r\u00e2ndurile anterioare, pare s\u0103 afecteze orice persoan\u0103 suficient de \u00een v\u00e2rst\u0103 pentru a face o tranzac\u021bie economic\u0103. Acest fapt are consecin\u021be negative \u0219i directe mai ales asupra celor mai \u00een v\u00e2rst\u0103 sectoare ale popula\u021biei europene, adic\u0103 asupra celor c\u0103rora le dator\u0103m crearea acestei Europe \u0219i a acestei societ\u0103\u021bi de pace \u0219i, \u00eentr-o anumit\u0103 m\u0103sur\u0103, de prosperitate. Prin urmare, institu\u021biile europene trebuie s\u0103 asigure, din puterea lor de reglementare, serviciile bancare de care ar putea avea nevoie persoanele \u00een v\u00e2rst\u0103, acord\u00e2nd o aten\u021bie special\u0103 \u0219i \u00een acele regiuni cu zone rurale mari, cum ar fi Spania sau Polonia, unde serviciile de baz\u0103 sunt rare.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">O alt\u0103 concluzie interesant\u0103 care poate fi tras\u0103 din acest raport \u0219i care este legat\u0103 de punctul anterior este cea referitoare la politicile ESG pe care le implementeaz\u0103 b\u0103ncile. Cu alte cuvinte, acele politici care au drept coloan\u0103 vertebral\u0103 mediul, responsabilitatea social\u0103 \u0219i buna guvernare \u0219i care au provocat at\u00e2tea controverse \u00een \u021b\u0103ri precum Statele Unite. Totu\u0219i, aici, \u00een Uniunea European\u0103, tot mai multe companii, inclusiv cele economice, decid s\u0103 aplice aceste politici, de\u0219i uit\u0103 s\u0103 ia \u00een considerare ceea ce este important pentru institu\u021biile financiare: s\u0103 ofere un serviciu garantat care s\u0103 func\u021bioneze pentru to\u021bi cet\u0103\u021benii, indiferent de v\u00e2rst\u0103, situa\u021bie economic\u0103 sau context.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Aceste dou\u0103 aspecte men\u021bionate mai sus, aplicarea politicilor ESG \u0219i noul model al b\u0103ncilor tehnologice au accelerat crearea unui fenomen pe care raportul, \u0219i iat\u0103 o alt\u0103 concluzie, l-a numit mobilitatea clien\u021bilor. Adev\u0103rul este c\u0103, potrivit studiului Global Banking Consumer Survey 2023 realizat de Accenture, doar 23% dintre cet\u0103\u021benii intervieva\u021bi apreciaz\u0103 foarte bine gama de produse ale b\u0103ncii lor \u0219i, \u00een plus, tendin\u021ba pare s\u0103 duc\u0103 la o divizare a achizi\u021bion\u0103rii de servicii financiare \u00een diferite entit\u0103\u021bi de c\u0103tre acela\u0219i utilizator. Aceast\u0103 realitate, \u00een marja Uniunii Europene, este mai accentuat\u0103 \u00een \u021b\u0103rile baltice: Lituania, Letonia \u0219i Estonia, ceea ce duce la ultima concluzie.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">\u021a\u0103rile baltice par s\u0103 aib\u0103 dou\u0103 probleme majore care le diferen\u021biaz\u0103 de tendin\u021ba pe care o men\u021bin restul statelor Uniunii Europene. Pe de o parte, se pare c\u0103 exist\u0103 probleme cu clien\u021bii str\u0103ini care opereaz\u0103 \u00een aceste b\u0103nci din cauza apropierii geografice de Rusia, fiind nevoi\u021bi s\u0103 aplice m\u0103suri puternice \u00eempotriva sp\u0103l\u0103rii banilor sau a actelor de corup\u021bie, ceea ce a dus la o sc\u0103dere a num\u0103rului de clien\u021bi. Pe de alt\u0103 parte, se pare c\u0103 b\u0103ncile din aceste \u021b\u0103ri, \u00een special din Letonia, sunt foarte dependente de b\u0103ncile suedeze, ceea ce le face mai pu\u021bin competitive la nivel regional \u0219i local. Acest lucru se traduce printr-un stimulent mai mic pentru acestea de a oferi, \u00eentre ele, oferte consistente de rate de dob\u00e2nd\u0103 la rambursarea creditelor ipotecare sau a \u00eemprumuturilor, astfel \u00eenc\u00e2t alternativele \u00een aceste \u021b\u0103ri sunt pu\u021bine, ceea ce le face o excep\u021bie european\u0103.  <\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Prin urmare, poate c\u0103 o posibil\u0103 solu\u021bie la aceste probleme ar putea fi o revizuire a cerin\u021belor institu\u021bionale pentru b\u0103nci, respect\u00e2nd buna lor activitate \u0219i independen\u021ba, dar amintind de necesitatea de a oferi servicii complete care s\u0103 r\u0103spund\u0103 nevoilor tuturor straturilor sociale, precum \u0219i pentru ca \u021b\u0103rile baltice s\u0103 ob\u021bin\u0103 un grad mai mare de dependen\u021b\u0103 de clien\u021bii ru\u0219i care nu opereaz\u0103 \u00eentotdeauna \u00een conformitate cu formulele legale \u0219i s\u0103 ob\u021bin\u0103 o mai mare suveranitate financiar\u0103 fa\u021b\u0103 de agen\u021bii externi care \u00eempiedic\u0103 competitivitatea \u0219i serviciile pentru cet\u0103\u021beni.<\/span><span data-ccp-props=\"{\"201341983\":0,\"335551550\":6,\"335551620\":6,\"335559739\":160,\"335559740\":278}\"> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cuvintele &#8222;banc\u0103&#8221;, &#8222;finan\u021be&#8221;, &#8222;\u00eemprumut&#8221; sau &#8222;transfer&#8221; nu sunt necunoscute oricui este suficient de b\u0103tr\u00e2n pentru a putea face orice tranzac\u021bie monetar\u0103. Cu toate acestea, exist\u0103 mul\u021bi termeni noi care au ap\u0103rut ca urmare a profesionaliz\u0103rii economiei \u00een cadrul societ\u0103\u021bii civile, adic\u0103 de c\u00e2nd cet\u0103\u021benii au dob\u00e2ndit cuno\u0219tin\u021be \u00een termeni economici; rata de rentabilitate a capitalului [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":26626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[157],"tags":[],"editorial-positions":[42],"regions":[346],"types":[444],"class_list":["post-26670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comert-si-economie","editorial-positions-focus","regions-northern-europe-ro","types-surveys-ro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transformarea sectorului bancar \u00een UE: cazul baltic - The Conservative<\/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.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transformarea sectorului bancar \u00een UE: cazul baltic - The Conservative\" \/>\n<meta property=\"og:description\" content=\"Cuvintele &#8222;banc\u0103&#8221;, &#8222;finan\u021be&#8221;, &#8222;\u00eemprumut&#8221; sau &#8222;transfer&#8221; nu sunt necunoscute oricui este suficient de b\u0103tr\u00e2n pentru a putea face orice tranzac\u021bie monetar\u0103. Cu toate acestea, exist\u0103 mul\u021bi termeni noi care au ap\u0103rut ca urmare a profesionaliz\u0103rii economiei \u00een cadrul societ\u0103\u021bii civile, adic\u0103 de c\u00e2nd cet\u0103\u021benii au dob\u00e2ndit cuno\u0219tin\u021be \u00een termeni economici; rata de rentabilitate a capitalului [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\" \/>\n<meta property=\"og:site_name\" content=\"The Conservative\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-10T07:52:25+00:00\" \/>\n<meta name=\"author\" content=\"Rodrigo Gomez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rodrigo Gomez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\"},\"author\":{\"name\":\"Rodrigo Gomez\",\"@id\":\"https:\/\/www.theconservative.online\/ro#\/schema\/person\/ec4d8e2090230626fdbed13abbd49d46\"},\"headline\":\"Transformarea sectorului bancar \u00een UE: cazul baltic\",\"datePublished\":\"2024-05-10T07:52:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\"},\"wordCount\":1050,\"image\":{\"@id\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2024\/05\/shutterstock_1544554310.jpg\",\"articleSection\":[\"Comer\u021b \u0219i economie\"],\"inLanguage\":\"ro-RO\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\",\"url\":\"https:\/\/www.theconservative.online\/ro\/transformarea-sectorului-bancar-in-ue-cazul-baltic\",\"name\":\"Transformarea sectorului bancar \u00een UE: cazul baltic - 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