{"id":182784,"date":"2020-05-11T00:34:09","date_gmt":"2020-05-11T00:34:09","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=182784"},"modified":"2020-05-11T00:34:09","modified_gmt":"2020-05-11T00:34:09","slug":"avertismentul-unui-bancher-romania-este-tara-unde-oamenii-au-cei-mai-putini-bani-economisiti-din-europa-iar-acest-lucru-ii-face-sa-devina-mai-vulnerabili-in-aceasta-perioada-marcata-de-o-criza-fara","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=182784","title":{"rendered":"Avertismentul unui bancher: Rom\u00e2nia este \u0163ara unde oamenii au cei mai pu\u0163ini bani economisi\u0163i din Europa, iar acest lucru \u00eei face s\u0103 devin\u0103 mai vulnerabili \u00een aceast\u0103 perioad\u0103 marcat\u0103 de o criz\u0103 f\u0103r\u0103 precedent"},"content":{"rendered":"<p>\n<strong>\u2666 Rom\u00e2nia este \u0163ara unde oamenii au cei mai pu\u0163ini bani economisi\u0163i din Europa \u2666 Media la nivel european este de 27% din gospod\u0103rii, care nu au economii, iar \u00een Rom\u00e2nia rata este aproape de 40%, sus\u0163ine Serge Offers, CFO al ING Bank Rom\u00e2nia \u2666 \u201eTinerii va trebui s\u0103 se adapteze noilor condi\u0163ii de consum.\u201c<\/strong><\/p>\n<p>\nPerioada actual\u0103 a crizei pro\u00advo\u00adcate de pandemia COVID-19 a schimbat re\u00ada\u00adlitatea \u00een care tr\u0103im, ceea ce \u00eenseamn\u0103 c\u0103 oa\u00admenii, \u00een spe\u00adcial tinerii, va trebui s\u0103 se obi\u015f\u00adnuiasc\u0103 \u015fi s\u0103 se adapteze noilor moduri de consum, a spus \u00een cadrul unei videoconferin\u0163e Serge Offers, CFO al ING Bank Rom\u00e2nia.<\/p>\n<p>\n\u201eCred c\u0103 de la ultima criz\u0103 finan\u00adciar\u0103 din 2008-2009 au fost mul\u0163i ani de progres \u015fi cre\u015ftere economic\u0103. Oamenii s-au obi\u015fnuit cu cre\u015fteri mari de dou\u0103 cifre ale salariilor \u015fi nimeni nu \u015fi-a pus problema de \u015fomaj sau schim\u00adb\u0103ri semnificative pe pia\u0163a muncii. Acum oamenii trebuie s\u0103 \u00ee\u015fi schimbe vi\u00adziu\u00adnea asupra realit\u0103\u0163ii. \u00cen urm\u0103toarea perioa\u00add\u0103, citind raporturile agen\u0163iilor de rating sau raportul Comisiei Euro\u00adpene privind economia, aproape toat\u0103 lumea se a\u015fteapt\u0103 ca nivelul salariilor s\u0103 nu mai creasc\u0103. Acest lucru aduce o no\u00adu\u0103 realitate la mas\u0103. Tinerii va trebui s\u0103 se obi\u015fnuiasc\u0103 \u015fi s\u0103 se adapteze noi\u00adlor condi\u0163ii de consum.\u201c<\/p>\n<p>\nSerge Offers a explicat \u00een conti\u00adnua\u00adre c\u0103 \u00een Rom\u00e2nia, oamenii au cei mai pu\u00ad\u0163ini bani economisi\u0163i. La nivel euro\u00adpetineriian me\u00addia gospod\u0103riilor care nu au eco\u00adnomii este de 27%, \u00een timp ce \u00een Rom\u00e2nia este aproape de 40%.<\/p>\n<p>\n\u201eEu cred c\u0103 neav\u00e2nd acele econo\u00admii reprezint\u0103 unul din motivele pentru care oamenii sunt vulnerabili \u00een aceast\u0103 perioada. S\u0103n\u0103tatea financiar\u0103 vine \u015fi din cheltuieli. C\u00e2t de mult cheltuie\u015fti? Acest lucru este important pentru mine, dar este important \u015fi din punct de vedere bancar. Cum te asiguri c\u0103 oamenii nu cheltuie mai mult dec\u00e2t au nevoie? Dac\u0103 faci un pas \u00eenapoi \u015fi te ui\u0163i la istoria economiei din Rom\u00e2nia, mo\u00adtorul acesteia a fost consumul. Consu\u00admul este bun, mai ales c\u00e2nd vezi c\u0103 sa\u00adla\u00adriile cresc \u015fi veniturile disponibile ale popu\u00adla\u0163iei cresc. Consumul este s\u0103\u00adn\u0103tos pentru economie, dar dac\u0103 consumul este condus de \u00eemprumuturi penru va\u00adcan\u00ad\u0163e sau bunuri, de care nu ai nevoie, \u00een timp \u00ee\u0163i creezi probleme pentru c\u0103 ajungi s\u0103 ai prea multe datorii \u015fi \u00ee\u0163i limitezi felul \u00een care \u00ee\u0163i tr\u0103ie\u015fti via\u0163a.\u201c<\/p>\n<p>\nOamenii ar trebui s\u0103 \u0163in\u0103 cont de acest aspect c\u00e2nd iau decizii financiare, a mai spus CFO-ul ING Bank Rom\u00e2nia.<\/p>\n<p>\n\u201eCe am observat este c\u0103 mul\u0163i oameni vor s\u0103 economiseasc\u0103 \u015fi le place s\u0103 economiseasc\u0103, dar nu este un obicei de-al lor. La sf\u00e2r\u015fitul lunii, aproape 70% din popula\u0163ia din Rom\u00e2nia are ve\u00adnituri insuficiente la finalul lunii, iar poten\u0163ialul de economisire este destul de limitat \u00een unele cazuri.\u201c<\/p>\n<p>\n\u00cen ultimii 10 ani s-au schimbat multe lucruri \u00een bine, iar din punct de ve\u00addere legilsativ, oamenii sunt mai pro\u00adteja\u0163i de supra\u00eendatorare, sus\u0163ine Serge Offers.<\/p>\n<p>\n\u201eP\u00e2n\u0103 la urm\u0103, dorin\u0163a b\u0103ncilor este ca oamenii s\u0103 \u00ee\u015fi poat\u0103 pl\u0103ti \u00eem\u00adpru\u00admu\u00adturile. Interesul nu este de a \u00eem\u00adpie\u00addi\u00adca returnarea \u00eemprumuturilor. Trebuie s\u0103 faci \u00een a\u015fa fel \u00eenc\u00e2t s\u0103 nu ai prea mul\u00adte datorii, mai ales dac\u0103 nu sunt sufi\u00adciente resurse pentru a le sus\u0163ine.\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Perioada actual\u0103 a crizei pro\u00advo\u00adcate de pandemia COVID-19 a schimbat re\u00ada\u00adlitatea \u00een care tr\u0103im, ceea ce \u00eenseamn\u0103 c\u0103 oa\u00admenii, \u00een spe\u00adcial tinerii, va trebui s\u0103 se obi\u015f\u00adnuiasc\u0103 \u015fi s\u0103 se adapteze noilor moduri de consum, a spus \u00een cadrul unei videoconferin\u0163e Serge Offers, CFO al ING Bank Rom\u00e2nia.<\/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":[46394,13012,14883,46395],"class_list":["post-182784","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bancher-olandez","tag-economisire","tag-ing-bank-romania","tag-serge-offers"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/182784","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=182784"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/182784\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=182784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=182784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=182784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}