Doar 4 din 10 români reușesc să pună bani de-o parte în pandemie

De către
Realitatea Financiara
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Aproximativ patru din zece români reuşesc să facă economii (39%) în perioada pandemiei, în condiţiile în care, înainte de pandemie, într-o lună obişnuită, două treimi dintre respondenţi (68%) reuşeau să economisească, relevă un studiu realizat de Institutul Român pentru Evaluare şi Strategie (IRES).

 Astfel, studiul „Digitalizarea sistemului bancar în percepţia românilor” realizat în luna decembrie 2020 mai arată că bărbaţii şi persoanele care locuiesc în mediul urban reuşesc în mai mare măsură să economisească în timpul pandemiei.

„Dacă ar dispune de o sumă mare de bani şi ar dori să economisească, 28% dintre români i-ar investi în educaţia proprie sau a membrilor familiei, 23% dintre respondenţi ar depune banii la bancă, 16% ar avea iniţiative antreprenoriale şi 10% ar cumpăra valută, restul fiind utilizaţi în diverse scopuri. Doar 9% dintre respondenţi ar ţine banii la saltea”, susţin autorii studiului, potrivit realitatea.net

Totodată, pentru constituirea unui depozit bancar, trei sferturi dintre clienţi preferă interacţiunea directă cu funcţionarul bancar (78%), 14% doresc interacţiune de tip online, pentru 1% dintre români este indiferentă metoda de interacţiune, iar pentru 7% din cei intervievaţi nu este cazul. Sondajul de opinie a fost realizat în luna decembrie 2020 pe un eşantion de 1.479 respondenţi adulţi, dintre care 1.158 sunt utilizatori de servicii bancare, eroarea maximă tolerată fiind de +/- 2,8%.

În pofida scăderii ponderii persoanelor care economisesc, pandemia COVID-19 a determinat o accelerare a vitezei de creştere a depozitelor clienţilor până la 15%, în ritm anual, cu 3-4 puncte procentuale peste nivelul de dinainte de pandemie.

Astfel, soldul depozitelor este cifrat la 410 miliarde lei, potrivit datelor la luna noiembrie 2020.

„Avansul mai rapid al economisirii în contextul pandemic arată că populaţia şi companiile au văzut sistemul bancar românesc ca pe o centură de siguranţă, fiind depozitarul banilor acestora, nu numai un amortizor de şoc al crizei de sănătate prin sprijinul acordat clienţilor care au întâmpinat probleme de lichiditate şi prin finanţările noi acordate”, mai arată cercetarea.

De asemenea, două treimi din economiile populaţiei şi companiilor sunt realizate în moneda naţională, restul economiilor fiind constituite în valută. Majoritatea depozitelor sunt constituite pe termene scurte, de sub un an. Aproximativ 61,4% din soldul economiilor din bănci sunt constituite de populaţie.

Studiul mai arată că numărul deponenţilor la instituţiile de credit participante FGDB se cifrează la 14,9 milioane, din care 13,8 milioane reprezintă deponenţi persoane fizice, la finele trimestrului trei al anului trecut. Un deponent care are depozite la mai multe bănci este luat în evidenţă în statistică de mai multe ori. Plafonul de garantare a depozitelor este de 100.000 euro, echivalent în lei, per deponent per bancă.

Sistemul bancar asigură intermedierea financiară, unul dintre principalele obiective fiind protejarea economiilor populaţiei şi ale companiilor. Băncile din România dispun de resursele necesare pentru creditare, indicatorul credite/depozite fiind plasat la 68,88% la finele lunii septembrie 2020, în timp ce indicatorul de solvabilitate este de aproape trei ori peste minimul admis, fiind de 22,76%.

Datorită specificului activităţii sale şi legislaţiei în domeniu, industria bancară are un rol cheie în buna funcţionare a mecanismelor economice şi financiare, cu impact deopotrivă asupra evoluţiilor macroeconomice, a dinamicii mediului de afaceri şi a îmbunătăţirii gradului de prosperitate economică din România.

Sursa: Realitatea Financiara

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  374. Today, I went to the beachfront with my children.
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  378. In case points stop working to wind up equally as you intended when dealing with Technology, you must not get mad at on your own – it is difficult to comprehend this when you initially start out. Achieving anything in life begins with beginning in the best instructions, as well as recognizing our expectation and desires. When you have a target to recognize or a trouble to fix, you need to deal with it a action at once. Beginning is usually the challenging part – you can do that currently utilizing the points we’ve simply provided you. Greater than likely, you will certainly wish to discover a lot more on this subject matter. If that is the case, going to Our Technology Site will use you a whole lot a lot more details.

  379. I am now not positive where you’re getting your info, however good topic.

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  380. It is so important, maybe essential, for you to have actually a solution oriented technique when working with Technology. Undeniably, countless individuals are currently completing this, yet taking care of Technology is not the most convenient issue on this planet. Anybody that needs aid with this should certainly certainly go over to Our Technology Site to get added support in addition to recommendations.

  381. Sometimes when you are first staring out, Technology can truly feel discouraging, yet do not let that stop you. Despite the fact that there is not any magic formula that will certainly enable you to get to every objective by merely swing your magic stick, if you put in the work as well as apply some fundamental as well as essential principles all your goals will be reachable. You have actually also got a great quantity of sources that can help you and also a fantastic location to begin is with Our Technology Site. You can furthermore find help by going to Our Technology Site.

  382. You really make it seem so easy with your presentation but I find this matter to be really something that I
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  455. Technology is just not the easiest subject to attempt to wrap your imagination around however if you utilize what exactly we have actually coached you, it truly should not be that challenging for you to really figure it out. It really is most reliable, when you want truthfully operational outcomes which you only try to tackle simply one finding out location at the same time; intending to comprehend whatever simultaneously is typically an undesirable plan. You have actually gotten lots of distinct information which will be contending for your passion however the first thing you need to finish is make certain that you’ve got a terrific and trusted understanding of the principles. Things is not only just what you recognize, it truly is the means you place it to work. When you’re ready to boost the quantity that you recognize associating with this, pay a visit to Our Technology Site with a collection of important advice you can use. Technology is made complex yet you can still accomplish a whole lot once you recognize a little every now and then utilize it quickly.

  456. It is so critical, perhaps important, for you to have actually a remedy oriented method when collaborating with Technology. Undoubtedly, hundreds of people are presently accomplishing this, yet managing Technology is not the simplest issue on this earth. Any individual that needs support with this ought to absolutely visit Our Technology Site to obtain additional assistance along with recommendations.

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  459. If you like making Technology something that is worthwhile for you, the strategies we’ve presented will absolutely help. It usually is desirable to see quick results, yet to do so, you need to have patience if they do not appear right now. Anytime you require extra assistance, you’ll wish to head over to Our Technology Site – book marking this url so you have it for future reference.

  461. Technology is just not the most convenient subject to try to cover your imagination around yet if you utilize exactly what we’ve coached you, it really needs to not be that challenging for you to really figure it out. It really is most efficient, when you want honestly functional outcomes which you solely try to handle just one learning place at the same time; intending to understand whatever all at once is generally an unwanted plan. You have actually obtained lots of distinctive information which will be contending for your passion however the first thing you need to finish is make certain that you’ve got a fantastic and trustworthy understanding of the principles. The important things is not only just what you understand, it really is the means you put it to function. When you prepare to enhance the amount that you know associating with this, pay a visit to Our Technology Site with a collection of beneficial suggestions you can make use of. Technology is complicated but you can still achieve a great deal once you recognize a little bit once in a while use it right away.

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