\nP\u00e2n\u0103 acum, nu am \u00eent\u00e2lnit niciun bancher care lucreaz\u0103 \u00een Rom\u00e2nia \u015fi care s\u0103 pun\u0103 problema pu\u0163in invers, respectiv de ce b\u0103ncile au dat credite celor care nu au educa\u0163ie financiar\u0103.<\/p>\n
\nSau de ce b\u0103ncile au v\u00e2ndut credite \u00een franci elve\u0163ieni \u015fi chiar \u00een euro celor care nu au educa\u0163ie financiar\u0103 \u015fi care nu au \u00een\u0163eles la ce risc valutar se expun \u00een cazul \u00een care cursul valutar al francului elve\u0163ian sau al euro \u00een raport cu leul cre\u015fte.<\/p>\n
\n\u00cen 2005, c\u00e2teva b\u0103nci din Rom\u00e2nia, de\u0163inute de str\u0103ini, au \u00eenceput s\u0103 v\u00e2nd\u0103 credite \u00een franci elve\u0163ieni \u015fi apoi \u00een euro, pentru ca rom\u00e2nii s\u0103 se \u00eencadreze \u00een condi\u0163iile de creditare, av\u00e2nd \u00een vedere c\u0103 la \u00eemprumuturile \u00een lei, mai scumpe, nu \u00eendeplineau parametrii.<\/p>\n
\nDeci bancherii au f\u0103cut produse bancare speciale pentru acest lucru, v\u00e2nz\u00e2ndu-le apoi clien\u0163ilor, pe care \u00eei caracterizeaz\u0103 ca fiind f\u0103r\u0103 educa\u0163ie financiar\u0103.<\/p>\n
\n\u00cen \u00eencercarea de a \u00eembun\u0103t\u0103\u0163i rela\u0163ia cu clien\u0163ii, deteriorat\u0103 major \u00een criz\u0103, b\u0103ncile au \u00eenceput diverse programe de educa\u0163ie financiar\u0103: le explic\u0103 mai mult clien\u0163ilor ce \u00eenseamn\u0103 un credit, la ce riscuri se expun dac\u0103 lucrurile \u00een economie \u015fi \u00een via\u0163a lor se \u00eenr\u0103ut\u0103\u0163esc, \u00eencearc\u0103 se le explice cum se gestioneaz\u0103 un buget al familiei, le ofer\u0103 mai multe variante de \u00eemprumut etc.<\/p>\n
\nToate aceste demersuri sunt binevenite, chiar dac\u0103 acest lucru ar fi trebuit s\u0103 fie f\u0103cut de la \u00eenceputul anilor 2000, atunci c\u00e2nd a \u00eenceput procesul de creditare a persoanelor fizice.<\/p>\n
\nIndiferent ce ar face fiecare, cea mai bun\u0103 educa\u0163ie financiar\u0103 pentru un client o reprezint\u0103, paradoxal, luarea unui credit. P\u00e2n\u0103 atunci, aproape nimeni nu este interesat de educa\u0163ie financiar\u0103, nu se uit\u0103 la dob\u00e2nzi, nu se uit\u0103 la evolu\u0163ia cursului valutar din perspectiva influen\u0163\u0103rii ratei de pl\u0103tit, nu-\u015fi pune problema impactului aspura soldului a cre\u015fterii cursului valutar la un \u00eemprumut \u00een valut\u0103, nu numai asupra ratei lunare.<\/p>\n
\nP\u00e2n\u0103 c\u00e2nd nu iei un credit, nu-\u0163i pui problema pre\u0163ului unui apartament pe metru p\u0103trat, nu \u00eentrebi \u00een dreapta \u015fi \u00een st\u00e2nga de alte pre\u0163uri. \u00cen perioada de boom, nimeni nu se uita la ace\u015fti parametri, nimeni nu-\u015fi punea problema c\u0103 un metru p\u0103trat \u00een Bucure\u015fti ajunsese ca \u00een Viena sau \u00een Berlin, \u00een condi\u0163iile \u00een care salariile erau de trei ori mai mici.<\/p>\n
\nAt\u00e2t timp c\u00e2t banca \u00ee\u0163i d\u0103dea credit cu toate m\u00e2inile, ca s\u0103 iei un apartament cu dou\u0103 camere de 60 de metri p\u0103tra\u0163i cu 80.000 \u2013 100.000 de euro \u00een Bucure\u015fti, \u00een Militari, nu-\u0163i puneai \u00eentreb\u0103ri existen\u0163iale privind viitorul, respectiv ce se \u00eent\u00e2mpl\u0103 dac\u0103 francul sau euro cre\u015fte (banca spunea c\u0103 francul elve\u0163ian este cea mai stabil\u0103 moned\u0103), dac\u0103 salariul scade \u015fi r\u0103m\u00e2i f\u0103r\u0103 job, dac\u0103 pre\u0163ul apartamentului se reduce.<\/p>\n
\nBanca lucra pentru tine, fiind mai educat\u0103 \u015fi mai responsabil\u0103 cu clien\u0163ii, a\u015fa c\u0103 l\u0103sai pe seama ei toate aceste r\u0103spunsuri.<\/p>\n
\nC\u00e2nd toate aceste lucruri s-au \u00eent\u00e2mplat, lumea a \u00eenceput s\u0103 pun\u0103 \u00eentreb\u0103ri, s\u0103 calculeze metru p\u0103trat versus metru p\u0103trat \u00een alte \u0163\u0103ri versus salariile din alte \u0163\u0103ri comparativ cu cel primit \u00een Rom\u00e2nia. To\u0163i au aflat ce este Euribor sau Robor, toat\u0103 lumea a devenit expert\u0103 \u00een pre\u0163ul apartamentelor versus puterea de cump\u0103rare, to\u0163i au \u00eenceput s\u0103 se uite la fiecare leu pl\u0103tit din salariu, leasingul auto a devenit dintr-o dat\u0103 costisitor la BMW\u2011ul luat, salariul lunar \u00een lei a devenit dintr-o dat\u0103 prea mic pentru necesarul lunar odat\u0103 cu cre\u015fterea ratei \u00een lei.<\/p>\n
\nUita\u0163i-v\u0103 c\u00e2t de exper\u0163i a\u0163i devenit \u00een informa\u0163ii, date financiare \u015fi imobiliare, \u00een cele mai bune oferte de pe pia\u0163\u0103 \u00eencep\u00e2nd de la haine p\u00e2n\u0103 la baxul de ap\u0103, \u00een DAE \u015fi pre\u0163 pe metrul p\u0103trat la apartament, \u00een pre\u0163urile la ma\u015fini, \u00een cele mai ieftine vacan\u0163e, \u00een cele mai ieftine bilete de avion pentru vacan\u0163\u0103, astfel \u00eenc\u00e2t s\u0103 economise\u015fti 25-50 de euro, \u00een oferte de job versus compania care ar vrea s\u0103 v\u0103 angajeze (dac\u0103 nu poate s\u0103-mi pl\u0103teasc\u0103 salariul \u015fi peste un an?), \u00een b\u00e2rfele legate de via\u0163a companiilor astfel \u00eenc\u00e2t s\u0103 nu v\u0103 trezi\u0163i c\u0103 lucra\u0163i la o firm\u0103 \u00een insolven\u0163\u0103 etc.<\/p>\n
\nDintr-o dat\u0103 Is\u0103rescu a devenit mai interesant, ce face cu cursul, ce face cu dob\u00e2nzile, toate declara\u0163iile \u015fi informa\u0163iile oferite de avocatul Gheorghe Piperea sau deputatul Daniel Zamfir (ini\u0163iatorii legii d\u0103rii \u00een plat\u0103 \u015fi a conversiei creditelor \u00een franci elve\u0163ieni la cursul istoric) erau citite de trei ori, to\u0163i cei afecta\u0163i de cre\u015fterea ratei au \u00eenceput s\u0103-\u015fi studieze contractele de credit, toat\u0103 lumea a \u00eenceput s\u0103 citeasc\u0103 legile ca s\u0103 g\u0103seasc\u0103 articole pe baza c\u0103rora s\u0103 dea banca \u00een judecat\u0103 pentru c\u0103 au fost \u00een\u015fela\u0163i prin reclam\u0103 mincinoas\u0103 etc.<\/p>\n
\nDintr-o dat\u0103, mult\u0103 lume a \u00eenceput s\u0103 prefere stabilitatea unui job \u00een care salariul intr\u0103 la timp \u00een locul unor oferte care la prima vedere sunt de nerefuzat.<\/p>\n
\nDintr-o dat\u0103, sticla de vin luat\u0103 la restaurant pe cardul de credit a devenit foarte scump\u0103.<\/p>\n
\nDintr-o dat\u0103, nu mai l\u0103sa\u0163i bac\u015fi\u015f \u201ef\u0103r\u0103 num\u0103r\u201c, ca un nabab, ci ca un neam\u0163.<\/p>\n
\nDintr-odat\u0103, economisirea la banc\u0103 pentru a avea bani \u00een cazul \u00een care mai vine o alt\u0103 criz\u0103 a devenit o necesitate, chiar dac\u0103 dob\u00e2nzile sunt mici, mici.<\/p>\n
\nDintr-o dat\u0103, plata accelarat\u0103 a creditului a devenit o prioritate, dac\u0103 exist\u0103 surse disponibile pentru acest lucru.<\/p>\n
\nDac\u0103 nu a\u0163i fi avut un credit, dac\u0103 nu a\u0163i fi avut aceste probleme, nici nu v-a\u0163i fi g\u00e2ndit la educa\u0163ie financiar\u0103, care p\u00e2n\u0103 la urm\u0103 \u00eenseamn\u0103, simplist vorbind: ce pot s\u0103-mi permit, la ce cost, uit\u00e2ndu-m\u0103 la condi\u0163iile actuale. Dar, mai ales, \u00eenseamn\u0103 s\u0103 v\u0103 pune\u0163i problema: dac\u0103 se \u00eent\u00e2mpl\u0103 aceste lucruri \u2013 cre\u015fterea cursului, cre\u015fterea dob\u00e2nzilor, pierderea jobului, t\u0103ierea salariului, sc\u0103derea pre\u0163ului apartamentului, apari\u0163ia unui copil etc. \u2013 mai pot s\u0103 pl\u0103tesc?<\/p>\n","protected":false},"excerpt":{"rendered":"
Dup\u0103 criz\u0103, b\u0103ncile au ajuns la concluzia c\u0103 clien\u0163ii au nevoie de educa\u0163ie financiar\u0103, av\u00e2nd \u00een vedere c\u0103 \u00een perioada de boom s-au aruncat s\u0103 se \u00eemprumute \u015fi nu au \u00een\u0163eles la ce se expun. Conform unor informa\u0163ii publice, Rom\u00e2nia este pe ultimele locuri \u00een Europa \u00een privin\u0163a educa\u0163iei financiare a popula\u0163iei.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[529],"tags":[31859,7267,4126,33646,7736,182,8219,438,18507,11056,183,10322,458,18620,9472,80,98,20680],"class_list":["post-144164","post","type-post","status-publish","format-standard","hentry","category-opinii","tag-aruncare","tag-banci","tag-clienti","tag-concluzie","tag-credit","tag-criza","tag-educatie","tag-europa","tag-expunere","tag-financiar","tag-imprumut","tag-informatii","tag-intelegere","tag-lipsa","tag-locuri","tag-refuz","tag-romania","tag-vedere"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/144164","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=144164"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/144164\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=144164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=144164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=144164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}