\nConform legii privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare, depozitele bancare de la b\u0103ncile din Rom\u00e2nia sunt garantate de Fondul de Garantare a Depozitelor Bancare (FGDB), la care \u00een acest an sunt \u00eenscrise 24 de institu\u0163ii de credit persoane juridice rom\u00e2ne.<\/p>\n
\nFGDB garantez\u0103, \u00een present, depozitele bancare cu o valoare de p\u00e2n\u0103 la 100.000 de euro, \u00een cazul \u00een care o banc\u0103 intr\u0103 \u00een insolven\u0163\u0103 \u015fi nu mai are posibilitatea de a restitui sumele deponen\u0163ilor. \u00cen acest caz suma depus\u0103 va fi compensat\u0103 prin restituire de c\u0103tre FGDB.<\/p>\n
\nLegea nr. 311\/2015 privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare reglementeaz\u0103 acest aspect.<\/p>\n
\nLegea define\u015fte urm\u0103troarele aspecte:<\/p>\n
\n\u201cDepozit – orice sold creditor, inclusiv dob\u00e2nda datorat\u0103, rezultat din fonduri aflate \u00eentr-un cont sau din situa\u0163ii tranzitorii deriv\u00e2nd din opera\u0163iuni bancare curente \u015fi pe care institu\u0163ia de credit trebuie s\u0103 \u00eel ramburseze, potrivit condi\u0163iilor legale \u015fi contractuale aplicabile, inclusiv depozitele la termen \u015fi conturile de economii, care nu se reg\u0103se\u015fte \u00een niciuna dintre situa\u0163iile prev\u0103zute la alin. (5);\u201d.<\/p>\n
\nToate b\u0103ncile au obliga\u0163ia legal\u0103 de a participa la o schem\u0103 de garantare a depozitelor, conform informa\u0163iilor de pe site-ul FGDB.<\/p>\n
\nB\u0103ncile care au statut de persoan\u0103 juridic\u0103 rom\u00e2n\u0103 particip\u0103 la FGDB.<\/p>\n
\nActualmente, particip\u0103 la FGDB 24 de institu\u0163ii de credit persoane juridice rom\u00e2ne, din care 22 de b\u0103nci \u015fi Banca Central\u0103 Cooperatist\u0103 CREDITCOOP (Banca Central\u0103 \u015fi b\u0103ncile cooperatiste afiliate), conform informa\u0163iilor de pe site-ul FGDB.<\/p>\n
\nLista celor 24 de institu\u0163ii financiare din Rom\u00e2nia (23 de b\u0103nci \u015fi o cooperativ\u0103 bancar\u0103) care particip\u0103 la Fond:<\/p>\n
\nPe l\u00e2ng\u0103 cele 24 de institu\u0163ii financiare din Rom\u00e2nia, FGDB garanteaz\u0103 \u015fi depozitele deschide la institu\u0163iile de credit din Rom\u00e2nia ale institu\u0163iilor de credit din alte state membre UE:<\/p>\n
\n*<\/strong> p\u00e2n\u0103 la data de 20.05.2020 a fost \u00eenscris\u0103 sub denumirea Bank of China (Hungary) Budapesta Sucursala Bucure\u015fti; deschiderea opera\u0163ional\u0103 a sucursalei cel mai t\u00e2rziu la data de 01.09.2020.<\/p>\n \n** <\/strong>Sucursala inten\u0163ioneaz\u0103 s\u0103 \u00eenceap\u0103 activitatea la data de 01 ianuarie 2023<\/p>\n \n*** <\/strong>Sucursala inten\u0163ioneaz\u0103 s\u0103 \u00eenceap\u0103 activitatea la data de 06 iunie 2023<\/p>\n \n <\/p>\n \n <\/p>\n","protected":false},"excerpt":{"rendered":" Conform legii privind schemele de garantare a depozitelor \u015fi Fondul de garantare a depozitelor bancare, depozitele bancare de la b\u0103ncile din Rom\u00e2nia sunt garantate de Fondul de Garantare a Depozitelor Bancare (FGDB), la care \u00een acest an sunt \u00eenscrise 24 de institu\u0163ii de credit persoane juridice rom\u00e2ne. FGDB garantez\u0103, \u00een present, depozitele bancare cu o valoare […]<\/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":[7267,7736,10862,76,98],"class_list":["post-218854","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-credit","tag-garantare","tag-institutii","tag-romania"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218854","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=218854"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218854\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=218854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=218854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=218854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}