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{"id":2648,"date":"2009-09-29T13:53:35","date_gmt":"2009-09-29T12:53:35","guid":{"rendered":"http:\/\/o9atitudine.ro\/?p=2648"},"modified":"2009-09-29T13:55:10","modified_gmt":"2009-09-29T12:55:10","slug":"un-raport-al-comisiei-europene-critica-tarifele-bancare-opace","status":"publish","type":"post","link":"https:\/\/o9atitudine.ro\/info\/un-raport-al-comisiei-europene-critica-tarifele-bancare-opace\/","title":{"rendered":"Un raport al Comisiei Europene critic\u0103 tarifele bancare \u201eopace\u201d"},"content":{"rendered":"
Un raport al Comisiei Europene critic\u0103 tarifele bancare \u201eopace\u201d<\/span><\/strong><\/span><\/strong><\/div>\n
Conform unui raport al Comisiei Europene privind serviciile financiare de detaliu, dat publicit\u0103\u0163ii \u00een data de 22 septembrie 2009, exist\u0103 probleme pe scar\u0103 larg\u0103 \u00een felul \u00een care b\u0103ncile \u00ee\u015fi informeaz\u0103 \u015fi \u00ee\u015fi consiliaz\u0103 clien\u0163ii. Printre problemele specifice se num\u0103r\u0103 informa\u0163ii care \u00een multe cazuri sunt greu de \u00een\u0163eles, tarife bancare opace, probleme de consiliere \u015fi niveluri sc\u0103zute de schimbare a furnizorului. Raportul descrie structurile de pre\u0163uri ale conturilor curente drept \u201efoarte opace. Clien\u0163ilor le este aproape imposibil s\u0103 afle c\u00e2t pl\u0103tesc \u015fi s\u0103 compare diferite oferte.\u201d Pentru 66% dintre b\u0103ncile cuprinse \u00een studiu, tarifele bancare erau at\u00e2t de neclare \u00eenc\u00e2t exper\u0163ii care au realizat raportul au trebuit s\u0103 recurg\u0103 la contacte explicative cu banca pentru a afla costurile reale ale unui cont. Austria, Fran\u0163a, Italia \u015fi Spania au rezultate slabe \u00een ceea ce prive\u015fte transparen\u0163a \u015fi sunt printre \u0163\u0103rile cele mai scumpe \u00een privin\u0163a conturilor bancare. Pia\u0163a UE este fragmentat\u0103, iar clien\u0163ii nu pot profita de avan\"newsletter_o9a_08\"<\/a>tajele unei pie\u0163e interne a UE. Numai 9% dintre consumatorii UE au schimbat furnizorii de conturi curente \u00een anii 2007 \u015fi 2008.<\/span><\/span> <\/span><\/div>\n
Comisarul european pentru consumatori, Meglena Kuneva, a declarat: \u201eB\u0103ncile de detaliu \u00eei dezam\u0103gesc pe consumatori. Exist\u0103 dovezi extinse de violare a principiilor de baz\u0103 ale rela\u0163iei cu consumatorii, problemele merg\u00e2nd de la pre\u0163uri complexe p\u00e2n\u0103 la taxe ascunse \u015fi informa\u0163ii neclare \u015fi incomplete. B\u0103ncile trebuie s\u0103 \u00ee\u015fi rezolve problemele printr-o schimbare de cultur\u0103 \u00een felul \u00een care \u00ee\u015fi trateaz\u0103 clien\u0163ii. Iar autorit\u0103\u0163ile statelor membre trebuie s\u0103 \u00ee\u015fi \u00eendeplineasc\u0103 obliga\u0163ia de a controla aplicarea legisla\u0163iei UE pentru consumatori.<\/span><\/span> <\/span><\/div>\n
Comisarul pentru pia\u0163a intern\u0103, Charlie McCreevy, a declarat: \u201eAceast\u0103 monitorizare a pie\u0163ei de consum arat\u0103 dificult\u0103\u0163ile cu care se confrunt\u0103 consumatorii \u00een rela\u0163ia lor cu produsele \u015fi serviciile financiare de detaliu. Comisia este hot\u0103r\u00e2t\u0103 s\u0103 combat\u0103 aceste probleme. Aceasta \u00eenseamn\u0103 impunerea transparen\u0163ei prin informa\u0163ii inteligibile \u015fi comparabile \u015fi stabilirea unor norme de baz\u0103 pentru desf\u0103\u015furarea procesului comercial. Aceast\u0103 opera\u0163iune a devenit cu at\u00e2t mai important\u0103 acum, c\u00e2nd cet\u0103\u0163enii Europei continu\u0103 s\u0103 simt\u0103 efectele crizei economice.<\/span><\/span> <\/span><\/div>\n
Rapoartele<\/span><\/strong><\/div>\n
Pentru aprofundarea Graficului de performan<\/span><\/span> \u0163\u0103 a pie\u0163ei de consum 2008, Comisia a publicat ast\u0103zi un document de lucru al serviciilor Comisiei intitulat \u201eAprofundarea \u00een privin\u0163a serviciilor financiare de detaliu a Graficului de performan\u0163\u0103 a pie\u0163ei de consum\u201d, \u00eempreun\u0103 cu un studiu independent al tarifelor bancare care analizeaz\u0103 pre\u0163urile conturilor la 224 de b\u0103nci, reprezent\u00e2nd aproximativ 81% din pia\u0163a UE.<\/span><\/span><\/div>\n
<\/div>\n
Rezultatele<\/span><\/strong><\/div>\n
1. Tarife bancare opace<\/span><\/strong><\/div>\n
\u00b7 <\/span><\/span>Structurile de tarifare ale conturilor curente<\/span><\/span> sunt adesea<\/span> opace.<\/span> Aproape o treime dintre consumatorii inclu\u015fi \u00een studiu nu pot compara ofertele de cont curent.<\/span><\/span><\/div>\n
\u00b7 <\/span><\/span>Informa<\/span><\/span> \u0163ia online privind pre\u0163urile este incomplet\u0103<\/span>. \u00cen dou\u0103 cazuri din trei (66%), exper\u0163ii care au alc\u0103tuit raportul privind tarifele bancare au avut nevoie de contacte suplimentare cu banca pentru a clarifica informa\u0163iile asupra modului \u00een care se compuneau tarifele. Chiar \u00een aceast\u0103 situa\u0163ie, \u00een mai multe cazuri b\u0103ncile au oferit numai informa\u0163ii orale privind tarifele \u015fi au refuzat s\u0103 trimit\u0103 liste cu tarife. Aproximativ 10% dintre b\u0103nci nu aveau deloc sau aveau doar pu\u0163ine informa\u0163ii privind pre\u0163urile pe site-urile lor web \u015fi 33% aveau informa\u0163ii incomplete privind modul \u00een care se compuneau tarifele.<\/span> <\/span><\/div>\n
\u00b7 <\/span><\/span>\u00cen unele<\/span><\/span> \u0163\u0103ri ale UE, consumatorii pl\u0103tesc considerabil mai mult pentru conturile curente dec\u00e2t \u00een altele.<\/span> Pre\u0163urile conturilor cu folosire normal\u0103 merg de la 253 EUR \u00een Italia la 27 EUR \u00een Bulgaria. Pentru utilizatorii \u201eintensivi\u201d diferen\u0163a este \u015fi mai clar\u0103: de la valoarea maxim\u0103 de 831 EUR \u00een Italia, la valoarea minim\u0103 de 28 EUR \u00een Bulgaria. Austria, Fran\u0163a, Italia \u015fi Spania au rezultate slabe \u00een ceea ce prive\u015fte transparen\u0163a \u015fi sunt printre \u0163\u0103rile cele mai scumpe \u00een privin\u0163a serviciilor bancare. Bulgaria, \u021a\u0103rile de Jos, Belgia \u015fi Portugalia se afl\u0103 \u00een partea de jos a clasamentului pre\u0163urilor la conturile curente.<\/span><\/span><\/div>\n
\u00b7 <\/span><\/span>Consumatorii din \u0163\u0103rile cu structuri opace ale pre\u0163urilor tind s\u0103 pl\u0103teasc\u0103 mai mult pentru conturile bancare.<\/span><\/span> <\/span><\/div>\n
2. Informare \u015fi consiliere<\/span><\/span><\/strong><\/div>\n
\u00b7 <\/span><\/span>Consumatorii consider\u0103, \u00een multe cazuri, c\u0103 informa<\/span><\/span> \u0163ia pre-contractual\u0103 este greu de \u00een\u0163eles;<\/span> informa\u0163ia \u201eininteligibil\u0103\u201d \u015fi \u201einsuficient\u0103\u201d<\/span> reprezint\u0103 un obstacol major \u00een calea alegerii unor servicii financiare f\u0103r\u0103 a se \u0163ine cont de frontiere.<\/span> <\/span><\/div>\n
\u00b7 <\/span><\/span>79% dintre cet\u0103\u0163enii UE doresc o<\/span><\/span> informa\u0163ie standardizat\u0103 clar\u0103 \u015fi comparabil\u0103<\/span> a\u015fa cum se prevede, de exemplu, \u00een noua Directiv\u0103 privind creditul de consum.<\/span><\/span><\/div>\n
\u00b7 <\/span><\/span>Adesea consumatorii nu primesc o consiliere corespunz\u0103toare privind serviciile financiare<\/span><\/span> \u015fi exist\u0103 tot mai multe dovezi \u00een acest sens.<\/span> De exemplu, datele culese \u00een Germania arat\u0103 c\u0103 50-80% dintre investi\u0163iile pe termen lung sunt \u00eentrerupte de c\u0103tre consumatori \u00eenainte de termen din cauza<\/span> consilierii neadecvate<\/span>, ceea ce duce la pierderi anuale estimate de 20-30 miliarde de EUR.<\/span> <\/span><\/div>\n
\u00b7 <\/span><\/span>Este posibil ca<\/span><\/span> cei care v\u00e2nd produse financiare<\/span> s\u0103 nu \u00een\u0163eleag\u0103 suficient<\/span> produsele pentru a da sfaturi eficiente consumatorilor.<\/span> Angaja\u0163ii bancari se pot confrunta adesea cu un<\/span> conflict de interese<\/span> inerent.<\/span> <\/span><\/div>\n
3. Schimbarea furnizorului<\/span><\/span><\/strong><\/div>\n
<\/span><\/strong><\/div>\n
Pentru conturile bancare curente, ratele de schimbare a furnizorului r\u0103m\u00e2n<\/span><\/span> sc\u0103zute, la doar 9% pentru anii 2007 \u015fi 2008<\/span>, \u00een compara\u0163ie, de exemplu, cu 25% \u00een ceea ce prive\u015fte asigur\u0103rile pentru autoturisme.<\/span><\/span><\/div>\n
<\/span><\/div>\n
Ce se \u00eent\u00e2mpl\u0103 \u00een continuare?<\/span><\/strong><\/div>\n
Constat\u0103rile raportului vor fi folosite \u00een activitatea \u00een plin\u0103 desf\u0103<\/span><\/span> \u015furare \u00een domeniul serviciilor financiare de detaliu pe care a anun\u0163at-o Comisia \u00een Comunicarea \u201eStimularea redres\u0103rii economiei europene\u201d, \u00een martie 2009. Directiva UE privind practicile comerciale neloiale interzice deja practicile care \u00eei \u00een\u015fal\u0103 pe consumatori \u015fi distorsioneaz\u0103 alegerea, de exemplu omiterea de informa\u0163ii legate de conturile bancare sau oferirea de informa\u0163ii at\u00e2t de ininteligibile \u00eenc\u00e2t consumatorul obi\u015fnuit nu \u00ee\u015fi poate da seama care este pre\u0163ul. Statele membre au obliga\u0163ia de a controla punerea \u00een aplicare a acestor legi \u00een privin\u0163a serviciilor financiare. De la 1 noiembrie 2009 se aplic\u0103 principii comune pe industrie (voluntare) de facilitare a schimb\u0103rii furnizorului de cont bancar. Comisia va monitoriza cu aten\u0163ie punerea \u00een aplicare a acestora.<\/span> <\/span><\/div>\n
<\/span><\/span><\/div>\n
Raportul:<\/span><\/span> http:\/\/ec.europa.eu\/consumers\/rights\/fin_serv_en.htm<\/span> <\/span><\/a><\/span><\/div>\n
Sursa: http:\/\/ec.europa.eu\/consumers\/index_en.htm<\/a><\/span><\/div>\n
<\/span><\/div>\n","protected":false},"excerpt":{"rendered":"

Conform unui raport al Comisiei Europene privind serviciile financiare de detaliu, dat publicit\u0103\u0163ii \u00een data de 22 septembrie 2009, exist\u0103 probleme pe scar\u0103 larg\u0103 \u00een felul \u00een care b\u0103ncile \u00ee\u015fi informeaz\u0103 \u015fi \u00ee\u015fi consiliaz\u0103 clien\u0163ii. Printre problemele specifice se num\u0103r\u0103 informa\u0163ii care \u00een multe cazuri sunt greu de \u00een\u0163eles, tarife bancare opace, probleme de consiliere \u015fi niveluri sc\u0103zute de schimbare a furnizorului. Raportul descrie structurile de pre\u0163uri ale conturilor curente drept \u201efoarte opace. Clien\u0163ilor le este aproape imposibil s\u0103 afle c\u00e2t pl\u0103tesc \u015fi s\u0103 compare diferite oferte.\u201d <\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,10],"tags":[296,151,153],"_links":{"self":[{"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/2648"}],"collection":[{"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/comments?post=2648"}],"version-history":[{"count":3,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/2648\/revisions"}],"predecessor-version":[{"id":2651,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/2648\/revisions\/2651"}],"wp:attachment":[{"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/media?parent=2648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/categories?post=2648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/tags?post=2648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}