\nPrintr-o decizie din decembrie 2007, Comisia European\u0103 a declarat contrare dreptului concuren\u0163ei comisioanele interbancare multilaterale (CIM-uri) aplicate \u00een cadrul sistemului de plat\u0103 cu carduri MasterCard.<\/p>\n
\nCIM-urile corespund unei p\u0103r\u0163i din pre\u0163ul unei opera\u0163iuni cu cardul de plat\u0103, re\u0163inute de banca de emitere a cardului. Costul CIM-urilor este imputat comercian\u0163ilor \u00een cadrul mai general al comisioanelor care le sunt facturate pentru utilizarea cardurilor de plat\u0103 de c\u0103tre institu\u0163ia financiar\u0103 care le administreaz\u0103 opera\u0163iunile.<\/p>\n
\nComisia a re\u0163inut c\u0103 CIM-urile au ca efect stabilirea unui nivel minim al comisioanelor facturate comercian\u0163ilor \u015fi, pentru acest motiv, constituiau o restr\u00e2ngere a concuren\u0163ei prin pre\u0163uri.<\/p>\n
\nPrin aceste comisioane interbancare multilaterale (CIM), institu\u0163ia bancar\u0103 care a emis cardul cu care se efectueaz\u0103 o plat\u0103 re\u0163ine un procent din plata respectiv\u0103, costul CIM-urilor fiind suportat de c\u0103tre comercian\u0163i.<\/p>\n
\n\u00cen 2012, MasterCard a contestat \u00een instan\u0163\u0103 decizia Comisiei Europene, \u00eens\u0103 Tribunalul UE a men\u0163inut hot\u0103r\u00e2rea institu\u0163iei euroepene. Ulterior, MasterCard a depus recurs la Curtea de Justi\u0163ie, care, la r\u00e2ndul s\u0103u, a men\u0163inut sentin\u0163a dat\u0103 de instan\u0163a anterioar\u0103.<\/p>\n
\nCurtea a ar\u0103tat c\u0103 Tribunalul a luat \u00een considerare caracterul dual al sistemului, \u015fi a analizat rolul CIM-urilor \u00een echilibrarea segmentelor “emitere” \u015fi “acceptare” ale sistemului MasterCard, admi\u0163\u00e2nd existen\u0163a unor interac\u0163iuni \u00eentre aceste dou\u0103 segmente.<\/p>\n
\nCurtea de Justi\u0163ie explic\u0103 faptul c\u0103 MasterCard nu a reu\u015fit s\u0103 dovedeasc\u0103 existen\u0163a unor avantaje semnificative care s\u0103 decurg\u0103 din aplicarea comisioanelor interbancare. Totodat\u0103, instan\u0163a a subliniat c\u0103 sistemul de pl\u0103\u0163i MasterCard nu este afectat de eliminarea comisioanelor.<\/p>\n
\nCurtea a ar\u0103tat c\u0103 Tribunalul a procedat \u00een hot\u0103r\u00e2rea sa la o examinare detaliat\u0103 pentru a determina \u00een special dac\u0103 CIM-urile limiteaz\u0103 presiunea pe care comercian\u0163ii o pot exercita asupra b\u0103ncilor de acceptare la negocierea comisioanelor facturate de acestea din urm\u0103. Tribunalul a putut concluziona, a\u015fadar, \u00een mod \u00eentemeiat c\u0103 CIM-urile au efecte de restr\u00e2ngere a concuren\u0163ei.<\/p>\n","protected":false},"excerpt":{"rendered":"
Compania MasterCard va fi nevoit\u0103 s\u0103 elimine comisioanele interbancare la plata cu cardul \u00een maximum \u015fase luni, dup\u0103 ce Curtea de Justi\u0163ie a Uniunii Europene a respins rescursul formulat de compania american\u0103 \u00een 2012, potrivit unui comunicat al institu\u0163iei.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[9748,14077],"class_list":["post-111566","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-comisioane","tag-mastercard"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/111566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=111566"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/111566\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=111566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=111566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=111566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}