{"id":13909,"date":"2024-04-29T16:01:32","date_gmt":"2024-04-29T13:01:32","guid":{"rendered":"https:\/\/csalb.ro\/?p=13909"},"modified":"2024-04-29T16:05:14","modified_gmt":"2024-04-29T13:05:14","slug":"podcast-episodul-3-cine-sunt-invitatii","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/uncategorized\/podcast-episodul-3-cine-sunt-invitatii\/","title":{"rendered":"PODCAST, EPISODUL 3. CINE SUNT INVITATII?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"font-weight: 400;\"><strong>Ciprian Chiorean, director juridic CEC Bank<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>Mircea Stroe, conciliator CSALB, avocat<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>Vasile Coman, moderator, fondator <a href=\"http:\/\/bancherul.ro\/\">Bancherul.ro<\/a><\/strong><\/p>\n<p><!--more--><\/p>\n<ul>\n<li>\u00cenainte de a \u00eencepe executarea silit\u0103, creditorii sunt obliga\u021bi s\u0103 fac\u0103 dovad\u0103 c\u0103 au \u00eencercat restructurarea creditelor respective \u2013 Ciprian Chiorean<\/li>\n<li>Ordonan\u021ba 15\/2024 va determina o mai mare deschidere a p\u0103r\u021bilor de a sta la masa negocierii, \u00eenainte de a ajunge la o situa\u021bie conflictual\u0103 \u2013 Mircea Stroe<\/li>\n<li>B\u0103ncile nu-\u0219i doresc s\u0103 aib\u0103 clien\u021bi afla\u021bi \u00een executare silit\u0103. Orice client neperformant pentru o banc\u0103 \u00eenseamn\u0103 costuri suplimentare \u2013 Ciprian Chiorean<\/li>\n<li>Problemele consumatorilor sunt ca \u021beava din perete \u2013 afli de ele doar c\u00e2nd \u021beava se sparge. De aceea, trebuie s\u0103 previi problemele \u2013 Ciprian Chiorean<\/li>\n<li>Avem datoria moral\u0103 fa\u021b\u0103 de rom\u00e2ni s\u0103 facilit\u0103m incluziunea financiar\u0103, chiar \u0219i \u00een zone unde celelalte b\u0103nci ajung mai greu \u2013 Ciprian Chiorean<\/li>\n<li>Dorim s\u0103 men\u021binem posibilitatea ca to\u021bi clien\u021bii no\u0219tri s\u0103 interac\u021bioneze cu un lucr\u0103tor bancar. Oamenii s-au cam s\u0103turat s\u0103 vorbeasc\u0103 cu robo\u021bii \u2013 Ciprian Chiorean<\/li>\n<li>Am avut dosare \u00een care consumatorii au fost judec\u0103tori \u0219i procurori care au venit cu cereri c\u0103tre CSALB \u2013 Mircea Stroe<\/li>\n<li>Lipsa de educa\u021bie financiar\u0103 genereaz\u0103 o parte din probleme. Dar, faptul c\u0103 e\u0219ti educat financiar sau juridic, nu \u00eenseamn\u0103 c\u0103 nu o s\u0103 ai niciodat\u0103 probleme &#8211; Mircea Stroe<\/li>\n<li>Exist\u0103 \u00een cadrul fiecarei b\u0103nci o categorie de clien\u021bi vulnerabili care nu sunt foarte familiariza\u021bi cu utilizarea instrumentelor digitale \u2013 Ciprian Chiorean<\/li>\n<li>Pl\u0103\u021bile instant, pe care majoritatea b\u0103ncilor le utilizeaz\u0103, sunt vizate cel mai mult \u00een fraudele online \u2013 Ciprian Chiorean<\/li>\n<li>\u00cen cazul fraudelor bancare, poli\u021bia sau banca sunt destul de limitate \u00een a ac\u021biona, din moment ce consumatorul a accesat un site-clon\u0103 sau a divulgat date confiden\u021biale \u2013 Mircea Stroe<\/li>\n<\/ul>\n<p><iframe title=\"\u00cenainte de executarea silit\u0103 b\u0103ncile trebuie s\u0103-\u0219i ajute clien\u021bii - #PodcastCSALB: Sez. 4, Ep. 3\" width=\"1170\" height=\"658\" data-cookieconsent=\"preferences, statistics\" data-src=\"https:\/\/www.youtube.com\/embed\/rNPCeKxwZbY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><div class=\"cookieconsent-optout-preferences cookieconsent-optout-statistics\">Please accept <a href=\"javascript:Cookiebot.renew()\">preferences, statistics<\/a> cookies to watch this video.<\/div><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/6&#8243;][vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/1mbvDJ5FD4Q&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Pentru c\u0103 este un an electoral \u00een care pot ap\u0103rea diverse propuneri legislative ar fi bine s\u0103 fim preg\u0103ti\u021bi, at\u00e2t bancile c\u00e2t \u0219i clien\u021bii. Care sunt modific\u0103rile cu cel mai mare impact?<\/p>\n<p><strong>Ciprian Chiorean, director juridic CEC Bank<\/strong><\/p>\n<p>Avem \u00een radar \u00een permanen\u021b\u0103 modific\u0103rile legislative, cu prec\u0103dere \u00eentr-un an interesant cum este acesta pe care \u00eel travers\u0103m. Anul a debutat cu Ordonan\u021ba de urgen\u021b\u0103 15\/2024, care a venit cu c\u00e2teva elemente de noutate, astfel \u00eenc\u00e2t au fost punctate mai bine obliga\u021biile pe care le au creditorii. Este un act normativ care, zic eu, a venit s\u0103 consolideze cumva rela\u021bia profesioni\u0219ti-consumatori \u00een pia\u021b\u0103. De exemplu, orice fel de modificare a contractului de credit va trebui adus\u0103 \u00eenainte la cuno\u0219tin\u021ba consumatorului, \u00een vederea asigur\u0103rii inform\u0103rii corecte a acestuia. Apoi, \u00eenainte de a \u00eencepe, de exemplu, executarea silit\u0103, creditorii sunt obliga\u021bi s\u0103 fac\u0103 dovad\u0103 c\u0103 au \u00eencercat restructurarea creditelor respective, c\u0103 au \u00eencercat s\u0103 vin\u0103 cu m\u0103suri concrete \u00een vederea rea\u0219ez\u0103rii rela\u021biei contractuale, \u00eenainte de a ini\u021bia o executare silit\u0103.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Cu alte cuvinte, acum, dac\u0103 cineva este \u00een imposibilitatea de a pl\u0103ti rata la un credit, banca nu poate s\u0103 treac\u0103 direct la executarea silit\u0103 \u00eenainte de a propune ni\u0219te solu\u021bii de plat\u0103?<\/p>\n<p><strong>Ciprian Chiorean, director juridic CEC Bank<\/strong><\/p>\n<p>Exact! Acesta este spiritul. Nici \u00eenainte de intrarea \u00een vigoare a ordonan\u021bei 15 nu se trecea direct la executarea silit\u0103. B\u0103ncile \u00eencercau s\u0103 rea\u0219eze aceast\u0103 rela\u021bie \u0219i s\u0103 vin\u0103 \u00een sprijinul clientului cu m\u0103suri concrete de redresare, de restructurare, \u00eens\u0103 acum vine actul normativ \u0219i eviden\u021biaz\u0103 \u00een mod distinct aceast\u0103 obliga\u021bie.<\/p>\n<p>Este o veste bun\u0103 pentru consumatori, mai ales c\u0103 b\u0103ncile nu-\u0219i doresc \u00een niciun fel s\u0103 aib\u0103 clien\u021bi afla\u021bi \u00een executare silit\u0103. Orice client neperformant pentru o banc\u0103 \u00eenseamn\u0103 costuri suplimentare: cu constituirea de provizioane, cu cheltuieli de executare, cu administrarea acestor credite neperformante. B\u0103ncile sunt interesate s\u0103 aib\u0103 clien\u021bi s\u0103n\u0103to\u0219i financiar. Rela\u021bia client-banc\u0103 este una de parteneriat, \u00een care mereu este loc de \u00eembun\u0103t\u0103\u021bire. Tocmai de aceea ne uit\u0103m foarte atent la absolut toate sesiz\u0103rile pe care le primim de la clien\u021bii no\u0219tri. Problemele consumatorilor sunt ca \u021beava din perete \u2013 afli de ele doar c\u00e2nd \u021beava se sparge. De aceea trebuie s\u0103 previi, iar ca s\u0103 faci asta este nevoie ca fiecare s\u0103 aib\u0103 \u00eencredere \u00een cel\u0103lalt.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/6&#8243;][vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/xI9r_2mEUSo&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Anticipa\u021bi c\u0103 vor fi mai multe \u00een\u021belegeri amiabile \u00eentre clien\u021bi \u0219i b\u0103nci \u00een cadrul CSALB, ca urmare a acestei ordonan\u021be?<\/p>\n<p><strong>Mircea Stroe, conciliator CSALB, avocat <\/strong><\/p>\n<p>Cu siguran\u021b\u0103 c\u0103 va exista o mai mare deschidere spre a\u0219ezarea p\u0103r\u021bilor la masa negocierii, \u00eenainte de a ajunge la o situa\u021bie conflictual\u0103. Totul depinde de modul \u00een care p\u0103r\u021bile vor \u00een\u021belege s\u0103-\u0219i tran\u0219eze aceste probleme \u0219i s\u0103 accepte renun\u021b\u0103ri reciproce la diverse a\u0219tept\u0103ri.<\/p>\n<p>\u0218i p\u00e2n\u0103 acum, \u00een cadrul concilierilor, \u00eenainte de existen\u021ba acestei reglement\u0103ri, b\u0103ncile erau interesate \u00een a identifica solu\u021bii de restructurare. Contrar unei percep\u021bii publice c\u0103 banca \u00ee\u0219i dore\u0219te s\u0103 ajung\u0103 la executarea silit\u0103, de fapt b\u0103ncile nu au niciun interes \u00een acest sens.<strong>&nbsp;<\/strong><\/p>\n<p>De exemplu, un avantaj pentru care execut\u0103rile silite sau procesele din instan\u021b\u0103 ajung s\u0103 fie solu\u021bionate la CSALB este c\u0103, \u00een aceste cazuri, preten\u021biile p\u0103r\u021bilor sunt deja exprimate. Se cunoa\u0219te exact nivelul datoriei, a\u0219tept\u0103rile institu\u021biei de credit cu privire la termenul de plat\u0103, c\u00e2t este dispus consumatorul s\u0103 pl\u0103teasc\u0103. Evident, c\u00e2nd se ajunge la executarea silit\u0103 \u0219i abia dup\u0103 aceea se \u00eencearc\u0103 solu\u021bionarea amiabil\u0103, exist\u0103 \u0219i un grad de frustrare. Pentru c\u0103 s-au parcurs ni\u0219te etape, \u00een cadrul concilierii ne-am putea lovi de diverse orgolii sau ambi\u021bii. Dar, \u00een general, exist\u0103 o mai mare disponibilitate din partea p\u0103r\u021bilor de a accepta un compromis \u00een urma negocierilor.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/6&#8243;][vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/uQz6pV3ECpk&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/iu8Tyxlba6s&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Schimb\u0103m registrul \u0219i ne uit\u0103m la CEC Bank. De\u0219i nu a cump\u0103rat nici o banc\u0103, a crescut organic \u0219i a ajuns pe locul 3 \u00een pia\u021b\u0103. Cum se explic\u0103 aceast\u0103 situa\u021bie \u0219i ce strategie ave\u021bi pentru prezen\u021ba b\u0103ncii \u00een mediul rural?<\/p>\n<p><strong>Ciprian Chiorean, director juridic CEC Bank<\/strong><\/p>\n<p>Dac\u0103 ne raport\u0103m la situa\u021bia fuziunilor din pia\u021ba bancar\u0103, cred c\u0103 este o situa\u021bie natural\u0103. Tendin\u021ba de consolidare se va manifesta \u00een continuare, pentru c\u0103 venim istoric cu un num\u0103r mare de b\u0103nci pentru pia\u021ba bancar\u0103 din Rom\u00e2nia. Evident c\u0103 toat\u0103 lumea \u00ee\u0219i dore\u0219te o pia\u021b\u0103 bancar\u0103 solid\u0103, consolidat\u0103, cu grupuri bancare puternice \u00een spatele b\u0103ncilor care activeaz\u0103 \u00een Rom\u00e2nia. Noi anul acesta avem o cre\u0219tere de 35% a activelor fa\u021b\u0103 de anul anterior. Am achizi\u021bionat Fondului de Garantare a Creditului Rural \u0219i lucr\u0103m intens la \u00eenfiin\u021barea unei societ\u0103\u021bi de asigur\u0103ri.<\/p>\n<p>Cele peste 1.000 de unit\u0103\u021bi bancare la nivel na\u021bional \u0219i 1.300 de ATM-uri reprezint\u0103 cu siguran\u021b\u0103 un atu, \u00een condi\u021biile \u00een care avem datoria moral\u0103 fa\u021b\u0103 de rom\u00e2ni s\u0103 facilit\u0103m incluziunea financiar\u0103, chiar \u0219i \u00een zone unde celelalte b\u0103nci ajung mai greu. \u00cencerc\u0103m s\u0103 deservim inclusiv zone din mediul rural, unde, practic, singurul element de leg\u0103tur\u0103 cu lumea bancar\u0103 este reprezentat de multe ori de o unitate sau un ATM CEC Bank. De aceea, vom men\u021bine aceast\u0103 re\u021bea, de\u0219i vedem c\u0103 la nivelul pie\u021bei, la nivelul altor juc\u0103tori din pia\u021b\u0103, tendin\u021ba este de restr\u00e2ngere a unit\u0103\u021bilor teritoriale.<\/p>\n<p>Noi ne dorim \u00een rela\u021bia cu clien\u021bii s\u0103 construim un mix \u00eentre tehnologie \u0219i prezen\u021b\u0103 uman\u0103, \u00een condi\u021biile \u00een care oamenii s-au cam s\u0103turat s\u0103 vorbeasc\u0103 cu robo\u021bii. Lu\u0103m \u00een calcul solu\u021biile digitale pentru c\u0103 ne dorim s\u0103 asigur\u0103m un acces rapid la toate serviciile \u0219i produsele noastre, dar factorul uman r\u0103m\u00e2ne foarte important. Dorim s\u0103 men\u021binem \u00een continuare posibilitatea ca to\u021bi clien\u021bii no\u0219tri s\u0103 interac\u021bioneze cu un lucr\u0103tor bancar.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/6&#8243;][vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/b_WjLsnncro&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[vc_video link=&#8221;https:\/\/www.youtube.com\/shorts\/61u21YKttvU&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221;][\/vc_column][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Au fost mul\u021bi clien\u021bi care au dat \u00een judecat\u0103 b\u0103ncile, sunt \u0219i \u00een continuare, dar am v\u0103zut \u00een ultimul timp c\u0103 CSALB a reu\u0219it s\u0103 preia din aceste probleme \u0219i s\u0103 \u00eempace clien\u021bii cu b\u0103ncile \u00een afara instan\u021belor de judecat\u0103.<\/p>\n<p><strong>Mircea Stroe, conciliator CSALB, avocat<\/strong><\/p>\n<p>\u00cen ultimii ani a crescut num\u0103rul cazurilor care aveau ca obiect solu\u021bionarea alternativ\u0103 a unor litigii aflate \u00een instan\u021b\u0103. Oamenii au \u00een\u021beles c\u0103 este necesar\u0103 o rezolvare mai rapid\u0103 a acestor dosare, \u00een condi\u021biile \u00een care sistemul juridic nu permite o solu\u021bionare \u00eentr-un termen mai scurt de 12-24 de luni. \u00cen plus, procesele \u00eenseamn\u0103 costuri \u0219i o serie de incertitudini cu privire la situa\u021bia acelor credite. Trebuie spus c\u0103 multe dintre procese pornesc de la lipsa educa\u021biei financiare. Mul\u021bi dintre consumatori acceseaz\u0103 creditele f\u0103r\u0103 s\u0103 cunoasc\u0103 toate detaliile \u0219i f\u0103r\u0103 s\u0103 \u00een\u021beleag\u0103 tot ce \u00eenseamn\u0103 un astfel de credit, ceea ce presupune derularea unui contract de credit.<strong>&nbsp;<\/strong><\/p>\n<p>Procesele pleac\u0103 inclusiv de la comisioane, pentru c\u0103 mul\u021bi dintre consumatori consider\u0103 \u0219i ast\u0103zi c\u0103 au comisioane abuzive. Este foarte greu s\u0103 le explici acelor oameni c\u0103 nu toate comisioane reclamate sunt abuzive. \u00cen momentul \u00een care un consumator are ni\u0219te probleme \u00eencerc\u0103, de fapt, s\u0103 mute acele probleme c\u0103tre ter\u021bi \u0219i s\u0103 caute vinova\u021bi. Este prin natur\u0103 uman\u0103.<strong>&nbsp;<\/strong><\/p>\n<p>Pe de alt\u0103 parte ne \u00eent\u00e2lnim cu dorin\u021ba unor consumatori de a-\u0219i solu\u021biona litigiile \u00een cadrul CSALB. Am avut dosare \u00een care consumatorii au fost magistra\u021bi, judec\u0103tori \u0219i procurori care au venit cu cereri c\u0103tre CSALB. Eu personal am solu\u021bionat c\u00e2teva astfel de dosare. Cu alte cuvinte, beneficiile concilierii au ajuns s\u0103 fie \u00een\u021belese inclusiv de c\u0103tre unii reprezentan\u021bi ai sistemului judiciar. Magistra\u021bii au \u00een\u021beles c\u0103, \u00een ciuda faptului c\u0103 sunt mult mai familiariza\u021bi cu instan\u021bele de judecat\u0103, au mai mult de c\u00e2\u0219tigat \u00eentr-o procedur\u0103 alternativ\u0103 la instan\u021b\u0103, derulat\u0103 \u00een cadrul CSALB. Mai mult, am conciliat \u0219i consumatori care veneau din sistemul bancar, dar aveau disfunc\u021bionalit\u0103\u021bi \u00een rela\u021bie cu banca, unii av\u00e2nd chiar calitatea de salaria\u021bi ai b\u0103ncii respective. \u00cen concluzie, lipsa de educa\u021bie financiar\u0103 genereaz\u0103 o parte din probleme. Dar, faptul c\u0103 e\u0219ti educat financiar sau juridic nu \u00eenseamn\u0103 c\u0103 nu o s\u0103 ai niciodat\u0103 probleme.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"divider empty-space\" style=\"text-align:left;\"><div class=\"divider-elm empty-space\" style=\"margin-top:30px; \"><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>\u00cen acest moment toate industriile ofer\u0103 servicii digitale. Odat\u0103 cu acestea au ap\u0103rut \u0219i fraudele online. Ce mpsuri lua\u021bi ca s\u0103 \u021bine\u021bi sub control acest fenomen?<\/p>\n<p><strong>Ciprian Chiorean, director juridic CEC Bank<\/strong><\/p>\n<p>Exist\u0103 \u00een cadrul fiecarei b\u0103nci o categorie de clien\u021bi vulnerabili care nu sunt foarte familiariza\u021bi cu utilizarea instrumentelor digitale, neav\u00e2nd \u00een\u021belegerea complet\u0103 a fenomenului \u0219i atunci, ei devin \u021binte predilecte pentru infractorii informatici. Pl\u0103\u021bile instant, pe care majoritatea b\u0103ncilor le utilizeaz\u0103, sunt vizate cel mai mult \u00een fraudele online. De aceea, aten\u021bion\u0103m mereu utilizatorii s\u0103 nu \u00ee\u021bi dezv\u0103luie PIN-ul \u0219i s\u0103 nu acceseze link-uri neautorizate, fie c\u0103 le primesc pe email sau prin sms.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Vasile Coman, jurnalist<\/strong><\/p>\n<p>Cum \u00ee\u0219i recupereaz\u0103 oamenii banii \u00een cazul unei fraude online? Uneori sunt mii de euro pierdu\u021bi&#8230;<\/p>\n<p><strong>Mircea Stroe, conciliator CSALB, avocat<\/strong><\/p>\n<p>Din p\u0103cate, num\u0103rul de cazuri a crescut \u0219i va cre\u0219te \u00een continuare, pe m\u0103sur\u0103 ce digitalizarea se va extinde. Trebuie spus c\u0103, \u00een majoritatea cazurilor, fraudele sunt facilitate de utilizatorii care \u00ee\u0219i divulg\u0103 datele personale.<\/p>\n<p>Singura variant\u0103 este informarea permanent\u0103 \u0219i con\u0219tientizarea c\u0103 aceste beneficii ale aplica\u021biilor digitale vin \u0219i cu ni\u0219te riscuri. Poli\u021bia sau banca sunt destul de limitate \u00een a ac\u021biona, din moment ce consumatorul este cel care a accesat un site-clon\u0103 sau a divulgat date confiden\u021biale. De multe ori, sumele furate de infractorii informatici ajung imediat \u00een alte \u021b\u0103ri \u0219i nu mai pot fi recuperate, li se pierde urma. Cine mai poate recupera o sum\u0103 din Vietnam?<\/p>\n<p>Sau din Rusia? Nu o recuperezi nici m\u0103car din Italia sau din Spania, care sunt \u00een Uniunea European\u0103.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] Ciprian Chiorean, director juridic CEC Bank Mircea Stroe, conciliator CSALB, avocat Vasile Coman, moderator, fondator Bancherul.ro<\/p>\n","protected":false},"author":1,"featured_media":13910,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[91],"tags":[],"class_list":["post-13909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PODCAST, EPISODUL 3. 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