{"id":155796,"date":"2017-12-10T17:28:00","date_gmt":"2017-12-10T17:28:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=155796"},"modified":"2017-12-10T17:28:00","modified_gmt":"2017-12-10T17:28:00","slug":"de-ce-cheltuiesc-parintii-mai-multi-bani-decat-isi-pot-permite-atunci-cand-la-mijloc-sunt-copiii-lor","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=155796","title":{"rendered":"De ce cheltuiesc p\u0103rin\u0163ii mai mul\u0163i bani dec\u00e2t \u00ee\u015fi pot permite, atunci c\u00e2nd la mijloc sunt copiii lor"},"content":{"rendered":"<p>\n<em>\u201ePatru din zece p\u0103rin\u0163i au experimentat presiune \u00een ultimul an, sim\u0163indu-se forta\u0163i de c\u0103tre contextul social s\u0103 cumpere pentru copiii lor lucruri cu care nu erau financiar confortabili. Doar 3% dintre ace\u015ftia au rezistat presiunii \u015fi au decis s\u0103 achi\u0163ioneze doar ceea ce era prev\u0103zut \u00een buget\u201d<\/em>, arat\u0103 autorii raportului.<\/p>\n<p>\nStudiul European Consumer Report este realizat de compania de credit management Intrum, reprezentat\u0103 \u00een Rom\u00e2nia de c\u0103tre Top Factoring.<\/p>\n<p>\n<em>\u201eDatele analizate demonstreaz\u0103 c\u0103 un grup vulnerabil expus unei presiuni sociale poate duce la o \u00eendatorare nes\u0103n\u0103toas\u0103 pe termen lung. Cu toate op\u0163iunile de plat\u0103 care exist\u0103 \u00een momentul de fa\u0163\u0103 \u015fi lu\u00e2nd \u00een considerare presiunea social\u0103 raportat\u0103 la nivel general, misiunea noastr\u0103 este de a investi \u00een sporirea \u00eencrederii \u015fi \u00een educarea genera\u0163iilor prezente \u015fi viitoare atunci c\u00e2nd vine vorba despre un consum sustenabil\u201d<\/em>, declar\u0103 Mikael Ericson, CEO \u015fi pre\u015fedinte Intrum.<\/p>\n<p>\nRaportul mai arat\u0103 c\u0103 \u00een special p\u0103rin\u0163ii tineri cu v\u00e2rste \u00eentre 18-34 ani sunt foarte vulnerabili, 5 din 10 sim\u0163ind constant o presiune a societ\u0103\u0163ii atunci c\u00e2nd vine vorba despre cump\u0103r\u0103turi efectuate pentru copiii lor.<\/p>\n<p>\nRe\u0163elele de socializare joac\u0103, de asemenea, un rol important \u00een crearea presiunii asupra consumatorilor moderni. 65% din rom\u00e2nii intervieva\u0163i au fost de acord cu afirma\u0163ia \u201eRe\u0163elele de socializare m\u0103 fac s\u0103 cump\u0103r mai mult dec\u00e2t a\u015f avea nevoie\u201d. La nivel european, media celor care au r\u0103spuns afirmativ la aceast\u0103 \u00eentrebare este de doar 39%.<\/p>\n<p>\nReferitor la dep\u0103\u015firea cheltuielilor, analiza arat\u0103 o cre\u015ftere masiv\u0103 a cump\u0103r\u0103turilor pe credit. \u201eAproape fiecare al patrulea rom\u00e2n (35%) crede c\u0103 este \u00een regul\u0103 s\u0103 cumpere bunuri precum televizoare, calculatoare sau telefoane pe credit, acest trend \u00eenregistr\u00e2nd o cre\u015ftere sus\u0163inut\u0103 \u00een ultimii doi ani\u201d, mai arat\u0103 autorii studiului.<\/p>\n<p>\n<em>\u201e\u00cen Rom\u00e2nia, uzan\u0163a p\u0103rin\u0163ilor de a dep\u0103\u015fi bugetul alocat atunci c\u00eend vine vorba despre cump\u0103r\u0103turi pentru copiii lor este mai mare fa\u0163\u0103 de restul europenilor. Cifrele arat\u0103 o discrepan\u0163\u0103 fa\u0163\u0103 de media european\u0103 la acest capitol, iar diferen\u0163a va putea fi estompat\u0103 doar prin educare, respectiv prin \u00eembun\u0103t\u0103\u0163irea managementului finan\u0163elor personale \u015fi ale familiei\u201d,<\/em> declar\u0103 C\u0103t\u0103lin Neagu, director general Top Factoring.<\/p>\n<p>\n\u201ePresiunea asupra p\u0103rin\u0163ilor, subliniat\u0103 de raport, este una delicat\u0103 \u015fi \u00eengrijor\u0103toare. De aceea, principiile de baz\u0103 pe care se poate a\u015feza o educa\u0163ie financiar\u0103 \u015fi administrarea unui buget ar trebui s\u0103 fie parte din materia de studiu de la \u015fcoal\u0103, \u00eenc\u0103 de la v\u00e2rste mici. Multe \u0163\u0103ri europene au introdus aceste informa\u0163ii \u00een curricula \u015fcolar\u0103 \u015fi cred c\u0103 \u015fi la noi exist\u0103 capacitatea de a g\u0103si un echilibru \u00eentre precau\u0163ie \u015fi investi\u0163ie sustenabil\u0103\u201d, adaug\u0103 acesta.<\/p>\n<p>\n\u00cen cadrul studiului European Consumer Payment Report, edi\u0163ia 2017, au fost culese r\u0103spunsurile a 24.401 responden\u0163i cu v\u00e2rste \u00eentre 18 \u015fi 65 de ani din 24 de \u0163\u0103ri europene. \u00cen Rom\u00e2nia, \u00eentreb\u0103rile au fost adresate unui e\u015fantion de 1.000 de reponden\u0163i, dintre care 48% b\u0103rba\u0163i \u015fi 53% femei, cu v\u00e2rste cuprinse \u00eentre 18 \u015fi 50 de ani, peste 75% dintre ace\u015ftia av\u00e2nd studii superioare \u015fi fiind salaria\u0163i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0103rin\u0163ii sunt categoria de consumatori cea mai vulnerabil\u0103 la presiunea social\u0103, fiind for\u0163a\u0163i s\u0103 cheltuiasc\u0103 pentru copiii lor un buget mai mare dec\u00e2t \u00ee\u015fi pot permite, arat\u0103 datele edi\u0163iei pe 2017 a European Consumer Report.<\/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":[283,485,93],"class_list":["post-155796","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-cheltuieli","tag-credite","tag-plati"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/155796","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=155796"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/155796\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=155796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=155796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=155796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}