{"id":241003,"date":"2025-10-09T17:46:53","date_gmt":"2025-10-09T17:46:53","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=241003"},"modified":"2025-10-09T17:46:53","modified_gmt":"2025-10-09T17:46:53","slug":"sondaj-xtb-romanii-traiesc-de-la-un-salariu-la-altul-si-se-tem-sa-investeasca-pe-piata-de-capital-fraudele-financiare-reprezinta-un-risc-major-iar-ideea-ca-investitiile-sunt-doar-pentru-cei-bogati","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=241003","title":{"rendered":"Sondaj XTB: Rom\u00e2nii tr\u0103iesc de la un salariu la altul \u015fi se tem s\u0103 investeasc\u0103 pe pia\u0163a de capital. Fraudele financiare reprezint\u0103 un risc major, iar ideea c\u0103 investi\u0163iile sunt doar pentru cei boga\u0163i \u00eei \u0163ine pe oameni departe"},"content":{"rendered":"<p>\nSalariile mici, lipsa educa\u0163iei financiare \u015fi percep\u0163ia gre\u015fit\u0103 c\u0103 investi\u0163iile sunt rezervate doar celor boga\u0163i \u00eei \u0163in pe rom\u00e2ni departe de pia\u0163a de capital \u015fi \u00eei expun riscului de fraude financiare, arat\u0103 dou\u0103 sondaje realizate pentru XTB Rom\u00e2nia.<\/p>\n<p>\nPotrivit datelor, aproape jum\u0103tate dintre responden\u0163i (45%) consider\u0103 c\u0103 munca \u00eenseamn\u0103 doar supravie\u0163uirea de la o lun\u0103 la alta, iar o treime (33%) o asociaz\u0103 cu stabilitatea financiar\u0103. Doar 19% cred c\u0103 munca le permite s\u0103 economiseasc\u0103, iar 4% o v\u0103d ca o \u015fans\u0103 de investi\u0163ie. Diferen\u0163ele de percep\u0163ie sunt vizibile \u00eentre sexe: femeile leag\u0103 munca mai mult de supravie\u0163uire \u015fi stabilitate, \u00een timp ce b\u0103rba\u0163ii o raporteaz\u0103 la economisire \u015fi investi\u0163ii.<\/p>\n<p>\n\u00cen ce prive\u015fte raportarea pe sexe, se observ\u0103 c\u0103 \u00een special femeile spun c\u0103 munca este asociat\u0103 cu \u201esupravie\u0163uirea de la o lun\u0103 la alta\u201d \u015fi cu \u201estabilitatea\u201d, \u00een timp ce b\u0103rba\u0163ii consider\u0103 c\u0103 munca \u00eei ajut\u0103 s\u0103 economiseasc\u0103 sau s\u0103 investeasc\u0103.<\/p>\n<p data-end=\"1202\" data-start=\"952\">\nNemul\u0163umirile fa\u0163\u0103 de venituri sunt la fel de clare. Doar 4 din 10 rom\u00e2ni spun c\u0103 salariul reflect\u0103 corect munca depus\u0103, \u00een timp ce aproape jum\u0103tate consider\u0103 c\u0103 venitul acoper\u0103 doar par\u0163ial efortul, iar 12% spun c\u0103 sunt pl\u0103ti\u0163i sub nivelul muncii.<\/p>\n<p data-end=\"1202\" data-start=\"952\">\n&nbsp;<\/p>\n<p>\n<strong>Peste un sfert din rom\u00e2ni nu r\u0103m\u00e2n cu niciun ban la finalul lunii<\/strong><\/p>\n<p>\nAceast\u0103 situa\u0163ie se reflect\u0103 \u015fi \u00een modul \u00een care sunt gestiona\u0163i banii r\u0103ma\u015fi la finalul lunii. Peste un sfert dintre rom\u00e2ni (33%) nu reu\u015fesc s\u0103 pun\u0103 nimic deoparte dup\u0103 ce \u00ee\u015fi achit\u0103 facturile \u015fi cheltuielile lunare, iar doar 1 din 10 transform\u0103 economiile \u00een investi\u0163ii. 39% dintre responden\u0163i, \u00een special tinerii cu v\u00e2rste cuprinse \u00eentre 18 \u015fi 24 de ani, au spus c\u0103 investesc fondurile necheltuite.<\/p>\n<p>\nRezultatele cercet\u0103rii mai arat\u0103 c\u0103 percep\u0163iile gre\u015fite \u015fi lipsa informa\u0163iilor au un rol important, deoarece doar 4 din 10 rom\u00e2ni cred c\u0103 investi\u0163iile sunt posibile doar cu sume mari, de peste 5.000 de lei. Totodat\u0103, 6% dintre responden\u0163i consider\u0103 c\u0103 nu ar trebui s\u0103 investeasc\u0103 deloc.<\/p>\n<p>\n\u00centreba\u0163i cum ar folosi suma de 5.000 lei dac\u0103 ar primi ace\u015fti bani, aproape jum\u0103tate dintre responden\u0163i (48%) au spus c\u0103 ar alege s\u0103 \u00eei \u0163in\u0103 aproape, \u00een cont sau acas\u0103. Doar 19%, adic\u0103 aproape 2 din 10, ar face pasul c\u0103tre investi\u0163ii, iar 12% i-ar cheltui pe bunuri diverse sau pe vacan\u0163e. \u00cen acela\u015fi timp, 3% dintre oameni \u015fi-ar achita din datorii cu 5.000 lei.&nbsp;&nbsp;<\/p>\n<p>\n\u00cen ce prive\u015fte preferin\u0163a pentru investi\u0163ii sau pentru economii, oamenii au declarat c\u0103 prefer\u0103 op\u0163iunile pe care ei le percep ca fiind sigure sau tangibile. Concret, imobiliarele (40%) \u015fi depozitele bancare (39%) domin\u0103 topul. Lista continu\u0103 cu aurul (32%), cu investi\u0163iile la burs\u0103 (18%) \u015fi cu investi\u0163iile \u00een criptomonede (8%).<\/p>\n<p>\n\u00cen acela\u015fi timp, lipsa banilor (60% din responden\u0163i), teama de risc (25%) \u015fi lipsa informa\u0163iilor (10%) reprezint\u0103 principalele bariere care \u00eempiedic\u0103 oamenii s\u0103 investeasc\u0103. 4% dintre responden\u0163i spun c\u0103 nu au timp.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<strong>Rom\u00e2nii, \u0163inte facile pentru escrocii financiari<\/strong><\/p>\n<p>\nAbsen\u0163a educa\u0163iei financiare, dar \u015fi a unei strategii pe termen lung, \u00eei transform\u0103 pe oameni \u00een victime naive ale fraudelor financiare, arat\u0103 sondajul realizat de iSense<a>\u015f2\u0163<\/a> la solicitarea XTB Rom\u00e2nia.<\/p>\n<p>\n\u015eapte din zece rom\u00e2ni (67%) au fost aborda\u0163i cel pu\u0163in o dat\u0103 de persoane care le-au promis c\u00e2\u015ftiguri rapide, iar aproape 3 din 10 au pierdut bani \u00een urma unor fraude financiare.<\/p>\n<p>\n\u00cen acest context, b\u0103ncile \u015fi statul sunt considerate de responden\u0163i ca fiind cele mai sigure institu\u0163ii pentru protejarea banilor, \u00een timp ce doar 2 din 10 rom\u00e2ni privesc platformele de investi\u0163ii ca fiind de \u00eencredere.<\/p>\n<p>\n\u00cen plus, aproape 60% dintre responden\u0163ii sondajului spun c\u0103 au auzit despre platforme de investi\u0163ii, \u00eens\u0103 recunosc c\u0103 nu \u00een\u0163eleg cum func\u0163ioneaz\u0103 acestea. Doar 33% (\u00een special b\u0103rba\u0163ii) au precizat c\u0103 \u015ftiu ce presupun investi\u0163iile \u015fi \u00een\u0163eleg mecanismul.<\/p>\n<p>\n<em>\u201eFraudele financiare apar acolo unde lipsesc informa\u0163ia \u015fi \u00eencrederea. Faptul c\u0103 aproape 9 din 10 rom\u00e2ni au pierdut bani \u00een urma unor astfel de practici arat\u0103 dimensiunea real\u0103 a problemei. Este esen\u0163ial s\u0103 \u00een\u0163elegem c\u0103 promisiunile de c\u00e2\u015ftig rapid vin \u00eentotdeauna cu riscuri ascunse.<\/em> <em>\u00cencrederea se c\u00e2\u015ftig\u0103 greu, iar oamenii au nevoie s\u0103 \u015ftie c\u0103 banii lor sunt \u00een siguran\u0163\u0103 doar atunci c\u00e2nd aleg parteneri transparen\u0163i \u015fi responsabili\u201d, <\/em>adaug\u0103 Irina Cristescu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Salariile mici, lipsa educa\u0163iei financiare \u015fi percep\u0163ia gre\u015fit\u0103 c\u0103 investi\u0163iile sunt rezervate doar celor boga\u0163i \u00eei \u0163in pe rom\u00e2ni departe de pia\u0163a de capital \u015fi \u00eei expun riscului de fraude financiare, arat\u0103 dou\u0103 sondaje realizate pentru XTB Rom\u00e2nia. Potrivit datelor, aproape jum\u0103tate dintre responden\u0163i (45%) consider\u0103 c\u0103 munca \u00eenseamn\u0103 doar supravie\u0163uirea de la o lun\u0103 [&hellip;]<\/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":[279,11056,13594,149,7223,173,7419],"class_list":["post-241003","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bogati","tag-financiar","tag-fraude","tag-investitii","tag-piata-de-capital","tag-romani","tag-sondaj"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/241003","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=241003"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/241003\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=241003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=241003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=241003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}