UNIVERSITATEA DIN CRAIOVA

FACULTATEA DE ECONOMIE SI ADMINISTRAREA AFACERILOR

PROIECT PRACTIC :
RAIFFEISEN BANK
Colectiv coordintor !rctic" de #!ecilitte:
Pro$% &niv% dr% Cri#ti S!&l'"r
Con$% &niv% dr% Anc B"ndoi
Lect% &niv% dr% On ()er*)ine#c&
St&dent: :
Finn+e B"nci ,- An&l II- (r&! .%
,/0/
0
CUPRINS:
Capitolul I.Prezentarea societaii bancare
0%0 Evol&+i Ri$$ei#en 1entrl'n2 O#terreic) 3R1B4A&#tri54 ind&#tri centrl" *r&!&l&i
'ncr
0%, Ri$$ei#en Bn2 6n Ro78ni
0%. Rel+i Client4Bnc"
Capitolul II.Structura organizatoric a societii bancare
,%0 Pre9entre
,%, Cond&cere #ociet"+ii 'ncre
,%. Centrl '"ncii
,%: Str&ct&r or*ni9toric" $ililei- #&c&r#lei #i *entiei
,%:%0 S&c&r#lele
,%:%, A*en+iile
Capitolul III.Sistemul informaional bancar i automatizarea
.%0 Si#te7&l in$or7+ionl
.%, Si#te7&l in$or7tic
Capitolul IV. Conturile bancare
:%0 De#c)idere cont&rilor
:%, De#c)idere de cont&ri c&rentte ;i de de!o9it 3!er#one $i9ice5 6n cdr&l Ri$$ei#en Bn2
:%. F&nc+ionre cont&rilor
:%: <nc)idere cont&rilor
:%= Cont&ri o$erite de Ri$$ei#en Bn2 Ro78ni
Capitolul V. cti!itatea bancar pri!in" operaiunile "e "econtare intra i interbancare i
#ntre clienii si $#ncasri i pli fr numerar%
=%0% Si#te7&l de co7!en#re
=%,% In#tr&7ente #i 7odlit"+i de !lt" 6n Ro78ni
=%,%0% Cec&l
=%,%, C7'i #i 'ilet&l l ordin
=%,%. Ordin&l de !lt"
Capitolul VI. cti!itatea bancar pri!in" operaiunile cu numerar
>%0 Or*ni9re co7!rti7ent&l&i de te9&r ;i c#ierie
>%, O!er+i&ni c& n&7err !rin c#ierie
>%. Anli9 o!erti&nilor c& n&7err e$ect&te de &nit+ile o!ertive le 'ncilor co7ercile
Capitolul VII.&one"a electronic
?%0 No+i&ni *enerle !rivind crd&rile
?%, Ti!&ri de crd&ri
?%. Ti!&ri de crd&ri o$erite de Ri$$ei#en Bn2 Ro78ni
Capitolul VIII. 'e(nica i e!i"ena operaiunilor "e cre"itare bancar
@%0% Introd&cere
@%,% Pr&den+ 6n creditre%
@%.% Princi!ii de creditre
@%.%0% Solicitnt&l credit&l&i 3de'itor&l5
@%.%,% Cerere de creditre
@%.%.% R7'&r#re
@%.%:% (rn+i
@%:% Creditre !er#onelor $i9ice
@%=% (rntre 67!r&7&t&rilor
@%> Servicii 'ncre o$erite de c"tre Ri$$ei#en Bn2
,
RI))*IS*N +N, - +NC UNIV*RS./
Cap. I. Prezentarea societii bancare
1.1. Evolutia Raiffeisen Zentralbank Osterreich (RZ!"ustria# ! instituia
central a $rupului bancar
R1B4A&#tri $o#t $ondt" 6n 0A,? !entr& coordon ctivit"+ile ;i !oliticile
$inncire le 6ntre*&l&i *r&! 'ncr Ri$$ei#en ;i e#te re#!on#'il" c& trn9c+iile ;i
o!er+i&nile e$ect&te 6n n&7ele *r&!&l&i l nivel n+ionl ;i intern+ionl% Serviciile
'ncre o$erite #&nt co7!lette de cele $inncire c 'nc" de inve#ti+ii- #erviciile de
con#&ltn+" !rivind !rivti9"rile- *e#tion"ri de !roiecte 6n do7eni&l i7o'ilir- le#in*-
#ervicii co7ercile%
O!er+i&nile intern+ionle le R1B4A&#tri #e concentre9" 6n !rinci!l !e !ie+ele 6n
$or7re% Po9i+i # ;i le*"t&rile trdi+ionle c& E&ro! Centrl" ;i de E#t & B&tt R1B4
A&#tri #" #t'ile#c" eCcelente rel+ii c& $ir7ele- '"ncile ;i lte in#tit&+ii din ce#t"
re*i&ne% Odt" c& !roce#&l de li'erli9re din E&ro! Centrl" ;i de E#t ;i trn9i+i de l
econo7i centrli9t" l econo7i de !i+"- R1B4A&#tri ;i4 de9voltt #e7ni$ictiv
ctivitte intern+ionl"- re&;ind #" devin" &n dintre cele 7i '&ne '"nci #!ecili9te 6n
!ie+ele 6n $or7re din ce#t" re*i&ne% R1B4A&#tri o!ere9" 6n do&"#!re9ece +"ri din
re*i&ne !rinte cre #e n&7"r" ;i Ro78ni din 0AA@% Re+e& n& #e o!re;te 6n E&ro!
Centrl" ;i de E#t- ci incl&de ;i E&ro! Occidentl" ;i celellte continente !rin co7!ni
$inncir" din NeD Eor2- #&c&r#lele din Londr ;i Sin*!ore- !rec&7 ;i !rin 'iro&rile de
re!re9entn+" din Pri#- Br&Celle#- Mo#cov- NeD Eor2- BeiBin*- Fon* Kon*- Bo7'G ;i
Fo C)i Min)%
1.%. Raiffeisen ank &n Ro'(nia
Pre9en+ Ri$$ei#en 1entrl'n2 Oe#terreic) 3R1B5 6n Ro78ni 6nce!&t 6n n&l
0AA: !rin de#c)idere &nei re!re9entn+e l B&c&re;ti% <n 0AA@- re!re9entn+ $o#t
trn#$or7t" 6ntr4o #&'i#idr" R1B- o$erind #ervicii ;i !rod&#e !entr& co7!nii%
<n cel;i ti7!- &n dintre cele 7i 7ri '"nci de+in&te de #tt&l ro78n 4 Bnc A*ricol" 4
#e $l 6ntr4o #it&+ie $inncir" di$icil"% Dtorit" 7"#&rilor l&te de &torit"+ile ro78ne 4
!rec&7 !rel&re creditelor ne!er$or7nte de c"tre #tt 4 'nc $o#t !re*"tit" !entr&
!rivti9re 6n n&l ,///%
<n $e'r&rie ,//0- R1B- 67!re&n" c& Ro7nin4A7ericn Enter!ri#e F&nd 3RAEF5-
;i4 eC!ri7t intere#&l de c)i9i+ion !c)et&l 7Boritr de c+i&ni le B"ncii A*ricole%
Contrct&l de c)i9itie $o#t #e7nt l #$8r;it&l l&nii i&lie ,//,%
.
E'ble'a Raiffeisen
C"l&+ii 6ncr&ci;+i re!re9int" e7'le7 Ri$$ei#en% Dr ce #i7'oli9e9" ce#t"
e7'le7"H
<n vec)i7e- c"l&+ii 6ncr&ci;+i co7!let& v8r$&l &n&i co!eri; de c#"- !roteB8nd oc&!n+ii
ce#tei de orice ti! de !ericol% Or*ni9+i Ri$$ei#en trn#$or7t ce#t #i7'ol l
!rotec+iei 6n !ro!ri 7rc" deorece 7e7'rii ce#tei #e !roteBe9" reci!roc de di$ic&lt"+ile
econo7ice- col'or8nd &n&l c& celllt%
Viziune:
Ri$$ei#en Bn2 e#te lider&l !ie+ei 'ncre !rin clitte- din7i#7 #i inovre%
O$erind !rod&#e ;i #ervicii de 6nlt" clitte- c& o tit&dine con#t8nt 6n din7ic ;i C8nd&4
#e !e inovre- Ri$$ei#en Bn2 !ote deveni 'nc" de !ri7" o!+i&ne !entr& clien+i ;i !ote $i
rec&no#c&t" c $iind lider&l !ie+ei 'ncre%
&isiune:
Ri$$ei#en Bn2 e#te &n !rtener de ter7en l&n* !entr& to+i clien+ii #"i- o$erind o
*7" co7!let" de #ervicii $inncire l #tndrde ridicte ;i *ener8nd &n !ro$it !e c+i&ne
!e#te 7edie%
S&nte7 o 'nc &niver#l"- !r+in8nd &n&i *r&! cre o$er" #ervicii $inncire
inte*rte 6n &r7"torele do7enii: 'ncr- 'nc de inve#ti+ii- nli9" ;i con#&ltn+"
$inncir"- le#in*- #i*&r"ri%
Stndrdele ridicte #e !lic" $iecr&i #!ect l ctivit"+ii no#tre: #ervicii ;i !rod&#e
de clitte- inve#ti+ii 6n in$r#tr&ct&r"- conce!t&l ori*inl Ri$$ei#en !entr& I#&c&r#l
7odern"I- 7&lti!le cnle de di#tri'&+ie- inovre con#tnt" 6n cee ce !rive;te !rod&#ele-
#ol&+ii lterntive #& !er#onli9te nevoilor #!eci$ice le clien+ilor no#tri%
Valori:
0area pe ne!oile clientului
1ferim ser!icii financiare e0celente clienilor nostri
Veri$ic"7 6n 7od !eriodic cre #&nt ;te!t"rile ;i nevoile clien+ilor no;tri
!entr& o!ti7i9 *7 de !rod&#e ;i #ervicii o$erite de c"tre !er#onl&l no#tr&
eCtre7 de cli$ict%
Suntem "e"icai celor mai #nalte stan"ar"e profesionale
Aco!eri7 nevoile clien+ilor no;tri c& !ro$e#ionli#7 ;i- !rin &r7re- le o$eri7 #ol&+ii
de ce 7i no&" *ener+ie ;i #ervicii c& vlore d"&*t"% Sti#$c+i intern"
client&l&i e#te l $el de i7!ortnt" c ;i ce eCtern"- deorece client&l v 'ene$ici de
coo!erre no#tr%
:
1ferim fle0ibilitate pentru a raspun"e rapi" la ne!oile clienilor
Rec+ion"7 r!id ;i c& 7Ci7&7 de $leCi'ilitte l nevoile clien+ilor% <n#
$leCi'ilitte n& 6n#e7n" li!#" de di#ci!lin"% E#te 7i de*r'" &tili9re e$icient"
cee ce e#te !er7i# 6n cdr&l &nor re*&li #t'ilite% Pentr& ne 67'&n"t+i con#tnt
re*&lile ;i !roced&rile interne !&ne7 e7$9 !e inovre ;i 67'&n"t"+ire !roce#elor%
Creterea !alorii pentru acionari
<ncerc"7 din r"#!&teri #" o$eri7 cre;tere contin&" ;i #&#+in&t" vlorii !entr&
c+ionri- !rin o'+inere &n&i Pro$it !e c+i&ne eCce!+ionl%Jinti7 #" $i7 *r&!&l
'ncr intern+ionl n&7r&l &n& din E&ro! Centrl" ;i de E#t% Jint no#tr" e#te &n
Pro$it !e cti&ne #&#+in&t- !e#te 7edie%
Pastrarea eticii generale soli"e
Ne '9"7 7&nc ;i tit&dinile !e vlori etice $&nd7entle%
Serviciile 'ncre #&nt 6n 7od trdi+ionl '9te !e 6ncredere% De9volt"7 c& ten+ie
rel+ii '9te !e 6ncredere c& clien+ii no#tri% Inte*ritte ;i one#titte ne *)ide9" 6n
tot cee ce $ce7%
)ii numarul unu2 moti!eaz3i i "3le oamenilor #ncre"ere #n sine
St'ili7 o'iective #trte*ice ;i o!er+ionle ;i d&ce7 (r&!&l !8n" l i7!le7entre
lor c& #&cce#%
Liderii Ri$$ei#en Bn2 de9volt" o vi9i&ne de $ceri clr" ;i #trte*ii vi'ile% Ace;ti
cree9" &n 7edi& or*ni9+ionl cre #&!ort" ;i reco7!en#e9" cre;tere !ro$it'il"%
Ei #t'ile#c #co!&ri *rele dr reli9'ile- ;i c&t" 6n 7od con#tnt noi o!ort&nit"+i%
4ncura5m spiritul #ntreprinzator i iniiati!a
S!irit&l 6ntre!rin9tor ;i ini+itiv #&nt c)ei c"tre o 7i '&n" !er$or7n+"- ti7!i de
r#!&n# ;i clitte 7i '&n" 6n tot cee ce $ce7% Ace;ti #&nt indictori i c8t de
7&lt #e identi$ic" n*B+ii no;tri c& #co!&rile cor!orti#te ;i i devot"rii lor $+" de
7&nc"%
.e "m anga5ailor R6+ 7roup #ncre"ere #n sine2 cre8n" un me"iu care #i
moti!eaz pentru a obine performane ri"icate
<ncredere 6n #ine e#te '9 no#tr" !entr& #!irit 6ntre!rin9"tor ;i ini+itiv"% <ncerc"7
din r"#!&teri #" 7en+ine7 &n 7edi& de l&cr& '9t !e B&tor reci!roc ;i 6ncredere%
Raiffeisen +an9 e#te o 'nc" &niver#l" de to! !e !i+ ro78ne#c"- o$erind o *7"
co7!let" de !rod&#e ;i #ervicii de clitte #&!erior" !er#onelor $i9ice- IMM4&rilor ;i
cor!or+iilor 7ri- !rin 7&lti!le cnle de di#tri'&+ie: &nit"+i 'ncre 3!e#te =// 6n tot"
+r5- re+ele de ATM ;i EPOS- !)one4'n2in* 3Ri$$ei#en Direct5- 7o'ile 'n2in*
37GBn2in*5 ;i internet 'n2in* 3Ri$$ei#en Online5%
Ri$$ei#en Bn2 de#erve;te !ro!e , 7ilione de clien+i- din cre !roC% 0//%///
IMM4&ri% Bnc de+ine di$erite &nit"+i #!ecili9te c K*en+ii de retilL cre #e dre#e9"
!er#onelor $i9ice ;i IMM4&rilor%
Pe #e*7ent&l cor!orti#t- Ri$$ei#en Bn2 de;erve#te !e#te >%@// co7!nii c& o ci$r"
n&l" de $ceri ce de!";e;te = 7ilione EUR- entit"+i !&'lice ;i in#tit&+ii $inncire% De
#e7ene- 'nc re re!re9entn+i 6n @ centre re*ionle cor!orti#te- o$erind clien+ilor
=
7rele vntB de 'ene$ici de #ol&+ii 'ncre d!tte cerin+elor ce#tor 6n orice 9on
+"rii%
De #e7ene- Ri$$ei#en Bn2 e#te &n B&ctor i7!ortnt !e !i+ crd&rilor M
ln#t !ri7&l crd de credit co4'rnded ;i o$er" clien+ilor #"i tot" *7 de crd&ri: de de'it
;i de credit- !entr& !er#one $i9ice ;i B&ridice- 6n lei #& 6n vl&t"- c& &tili9re n+ionl" #&
intern+ionl"- de ti! Vi# #& M#tercrd%
Activitte Ri$$ei#en Bn2 $o#t rec&no#c&t" de !re#ti*io#e !&'lic+ii ;i *le de4
l&n*&l nilor- !rintre cre:
B&#ine## Aren M*9ine 4 N+anca Retail a anuluiI 3,//A5O
B&#ine## Pre## M N+anca anuluiL !entr& ctivitte cor!orte din ,//= ;i ,//?- dr
;i !entr& cele 7i '&ne inve#ti+ii din #i#te7&l 'ncr 3,//@5- !rec&7 ;i NPremiul "e
*0celenL !entr& !ort&l d&# 6n reln#re econo7iei ro78ne;ti !rin $inn+re
3,//A5O
C7er de Co7er+ ;i Ind&#trie Ro78niei 4 KPremiul "e *0celen #n faceriL
!entr& cele 7i diver#i$icte !rod&#e ;i #ervicii 'ncre de#tinte 6ntre!rinderilor
7ici ;i 7iBlocii din ,//?O
(lo'l Finnce M NCea mai bun banc "in Rom8niaL 3,//: ;i ,//=5O
Pi+ Finncir" M N+anca nuluiL 3,//?5- NPremiul "e *0celenL !entr& clitte
!orto$oli&l&i cor!ortiv l '"ncii 3,//@5 ;i N+anca Corporate a anuluiL 3,//A5O
revi#t e4Finnce M NCel mai accesat ser!iciu "e mobile ban9ing "in Rom8niaI 4
#ervici&l 7GBn2in* 3,//A5O
Tri'&n Econo7ic"M NCea mai bun bancL 3,//>5O
(l Pre7iilor Contct Center 4 NCel mai bun i cel mai mare Call CenterI din
Ro78ni 3,//A5O
(l NOCASF 4 crd&l co4'rnded Ri$$ei#en4Vod$one $o#t de#e7nt ICel mai
"e succes program co3bran"e" "in :;;<I%
Raiffeisen +N, S..
Societte !e c+i&ni v8nd &n c!itl #ocil de 0%0A>-,=A 7il% lei- inte*rl v"r#t-
d7ini#trt" in #i#te7 d&li#t%
"ministraia central: Pi+ C)rle# de (&lle nr% 0=- Sector 0- Cod /00@=?- B&c&re;ti
Numar "e or"ine #n registrul Comerului: P:/Q::Q0AA0
Numar "e #nregistrare #n Registrul +ancar: RB4PPR4:/4//AQ0@%/,Q0AAA
Co" unic "e #nregistrare: .>0@,/
Co" "e #nregistrare fiscal: RO.>0@,/
'elefon: //: /,0 ./> 0///
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S=I)': R1BRROBU
'ele0:0,/A. RBRROBR #i 00?/A A(RBA R
Reuters >ealing Co"e: RBRB
Reuters Page Co"e: RAIBO0
*3mail: centrlRr9'%ro
Internet: DDD%ri$$ei#en%ro

>
Ri$$ei#en Bn2 SA e#te 6nre*i#trt" 6n clitte de o!ertor !entr& !rel&crre de dte
c& crcter !er#onl:
a% #n scopul "esfurrii acti!itii bancare 4 6n Re*i#tr&l de eviden+" ANSPDCP l
!rel&cr"rilor de dte #&' n&7"r&l 0A>?- con$or7 Le*ii nr% >??Q,//0O
b% #n scop "e mar9eting2 reclam i publicitate 4 6n Re*i#tr&l de eviden+" ANSPDCP l
!rel&cr"rilor de dte #&' n&7"r&l 0@A- con$or7 Le*ii nr% >??Q,//0O
c% #n scop "e monitorizare? securitate a persoanelor2 spailor i?sau bunurilor publice?
pri!ate 4 6n Re*i#tr&l de eviden+" ANSPDCP l !rel&cr"rilor de dte #&' n&7"r&l 0:>,.-
con$or7 Le*ii nr% >??Q,//0%
Bnc !rel&cre9" dte c& crcter !er#onl le !er#onelor $i9ice con$or7
!revederilor Le*ii nr% >??Q,//0 !entr& !rotec+i !er#onelor c& !rivire l !rel&crre dtelor
c& crcter !er#onl ;i li'er" circ&l+ie ce#tor dte%
Bnc re#!ect" dre!t&rile !e cre Le*e nr% >??Q,//0 le con$er" !er#onei $i9ice
vi9te- re#!ectiv dre!t&l de in$or7re ;i cce# l dte- dre!t&l de interven+ie #&!r dtelor
c& crcter !er#onl- dre!t&l de o!o9i+ie l colectre #i !rel&crre dtelor !er#onle-
dre!t&l de n& $i #&!&# &nei deci9ii individ&le- dre!t&l de #e dre# B&#titiei- !rec&7 ;i
7odlit"+ile de eCercitre le ce#tor%
Ri$$ei#en Bn2 SA #i*&r" con$iden+ilitte dtelor c& crcter !er#onl !rel&crte
6n con$or7itte c& cord&l eC!ri7t de !er#on $i9ic" vi9t" ;i co7$or7 !revederilor
le*le% Acce#&l l in$or7+iile trtte dre!t con$iden+ile v $i li7itt l cele !er#one- cre
!rin nt&r ctivit"+ii de#$";&rte- e#te nece#r #" i c&no#tin+" de ce#te in$or7+ii 6n #co!&l
d&cerii l 6nde!linire #co!&l&i- r!ort&rilor B&ridice n"#c&te 6n rel+ie c& 'nc% Ace#te
!er#one #&nt +in&te #" re#!ecte crcter&l con$iden+il l ce#tor in$or7+ii- #&78nd&4;i l
rnd&l lor o'li*+i de #i*&r ;i !"#tr con$iden+ilitte ce#tor dte ;i in$or7+ii ;i de
le !rel&cr 6n con$or7itte c& cerin+ele le*le%
0%.%Rel+i Client4Bnc"
1.Caracteristici generale ale relaiei banc client
Reltiile dintre 'nc #i clienti re!re9int o 'ordre #i#te7tic l nivel&l intre*ii
'nci% Clientii & !re$erintele lor re$eritore l ctivittile 'ncre- $ir7tie vl'il tt
!entr& clientii !er#one $i9ice ct #i !entr& clientii !er#one B&ridice%
Ele7ent&l !rinci!l de &nde 6nce!e o ctivitte de 7n*e7ent 'ncr !er$or7nt"
e#te el'orre &nei #trte*ii 'ncre% Strte*i &nei '"nci tre'&ie #" c&!rind" tote
do7eniile de ctivitte ce#tei ;i #" !reci9e9e o'iective clre !e $iecre do7eni& 6n !rte-
cre #" cond&c" l reli9re o'iectiv&l&i !rinci!l l oric"rei #trte*ii: reli9re de !ro$it
!entr& c+ionr% Jin8nd #e7 de #!eci$ic&l ctivit"+ii 'ncre- #e identi$ic" &r7"torele
cte*orii !rinci!le de 7n*e7ent !e ctivit"+i: 7n*e7ent&l ri#c&rilor ctivit"+ii
'ncre- 7n*e7ent&l clientelei- 7n*e7ent&l &r7"ririi c!itl&rilor ;i $ond&rilor
!ro!rii- 7n*e7ent&l *e#tion"rii !orto$oli&l&i de credite- 7n*e7ent&l re#&r#elor &7ne%
Mn*e7ent&l clientelei e#te o cte*orie reltiv no&" de 7n*e7ent ;i c& o
i7!ortn+" deo#e'it" 6n 9ilele no#tre- deorece clientel e#te- 6n !re9ent- 'ro7etr&l cel 7i
evident l evol&+iei &nei '"nci co7ercile%
Rel+iile dintre 'nc" ;i clien+i re!re9int" o 'ordre #i#te7tic" l nivel&l 6ntre*ii
'"nci% Clien+ii & !re$erin+ele lor re$eritore l ctivit"+ile 'ncre- $ir7+ie vl'il" t8t
!entr& clien+ii !er#one $i9ice c8t ;i !entr& clien+ii !er#one B&ridice% D&!" c8;ti*re &n&i
client- 'nc e#te intere#t" 6n 7en+inere ce#t&i ;i 6n o!ti7i9re venit&l&i c& cre
?
contri'&ie client&l !e !rc&r#&l rel+iilor lor% Bnc re inten+i de de9volt 6n 7od ctiv o
rel+ie !e ter7en l&n* c& clien+ii #"i- !e '9 6ncrederii reci!roce% <ntr4o rel+ie '9t" !e
6ncredere- clien+ii #&nt tent+i #" i deci9iile 6n conteCt&l o$ertei de !rod&#e ;i #ervicii
!ri7ite de4 l&n*&l nilor din !rte '"ncilor ;i #" n& rec&r*" l trn9c+ii #in*&lre%
<n #i#te7&l $inncir4'ncr- !rod&#&l o$erit e#te !&# l di#!o9i+ie de 7i 7&lte
in#tit&+ii $lte 6n co7!eti+ie ;i e#te- 6n e#en+"- cel;i% Client&l 6;i le*e 'nc !e '9 &nor
!re$erin+e !er#onle cre- de#e- n& #&nt r!ortte direct l !rod&#&l 6n#&;i% Bnc 6;i !ote
re+ine cel 7i 'ine clien+ii !rin $olo#ire conce!t&l&i K*riB $+ de clientL- reli98nd !rin
ce#t cel 7i '&n #ervici& de !e !i+"% <n con#ecin+"- orientre in#tit&+iilor !e ce#te !ie+e
devine 7i de*r'" c"tre clien+i ;i n& c"tre !rod&#% Ace#t" conce!+ie #e re9&7" cel 7i
'ine 6n $ir7+i KClient&l e#te !e !ri7&l locSL cee ce 6n#e7n" rec&no;tere nece#it"+ilor
clien+ilor c $iind #&!re7e- 6ntr&ct $"r" clien+i n& r eCi#t '"nci% Soci'ilitte clien+ilor
tre'&ie c8;ti*t"%
In #i#te7&l $inncir4'ncr- K!rod&#&lL o$erit e#te !&# l di#!o9itie de 7i 7&lte
in#tit&tii $lte in co7!etitie #i e#te- in e#nt- cel#i% L &r7 &r7ei- de!&ne0%///%/// lei
l o 'nc re!re9int cel#i l&cr& c& de!&ne cee#i #&7 de 'ni l o lt 'nc% Client&l
i#i le*e 'nc !e '9 &nor !re$erinte !er#onle cre- de#e- n& #&nt r!ortte direct l
!rod&#&l in#&#i% Bnc i#i !ote retine cel 7i 'ine clientii !rin $olo#ire conce!t&l&i K*riB
$t de clientL- reli9nd !rin ce#t cel 7i '&n #ervici& de !e !it%
In con#ecint- orientre in#tit&tiilor !e ce#te !iete devine 7i de*r' Kctre clientiL- #i n&
ctre K!rod&#L% Ace#t conce!tie #e re9&7 cel 7i 'ine in $ir7ti KClient&l e#te !e
!ri7&l locSL
Ace#t in#e7n rec&no#tere nece#ittilor clientilor c $iind #&!re7e- intr&ct $r
clienti n& r eCi#t 'nci% A $i !re9ent in $ceri n& e#te &n dre!t- c)ir #i in #ectore
i7!ortnte le econo7iei- c&7 r $i cel $inncir4'ncr% Soci'ilitte clientilor tre'&ie
c#ti*t%
Pentr& intele*e ct de i7!ortnti #&nt clientii !entr& o 'nc #i i7!ortnt
concentrrii #&!r nece#ittilor lor- tre'&ie nli9t i7!ct&l o!ti&nilor clientilor in
#i#te7&l $inncir4'ncr% Clientii n& #&nt o'li*ti # $c trn9ctii c& o n&7it 'nc- ei
!ot 7er*e l oricre lt- lte 'nci incercnd #4i convin* de ce#t l&cr&% Cele 7i 7&lte
'nci #&nt in c&tre de clienti #i !iete noi !entr& !rod&#eleQ#erviciile lor% Se !ote con#tt
i7!ct&l conc&rentei% In ce#t $el cre#te !o#i'ilitte client&l&i de 4#i le*e 'nc- #t$el
inct # ii $ie #ti#$c&tect 7i 'ine nece#ittile de !rod&#e #i #ervicii $inncir4'ncre%
Un 'ene$ici& 7Bor l &nor '&ne reltii dintre 'nc #i clienti il con#tit&ie $!t&l c #e
inc&rBe9 client&l !entr& c&7!r tote #erviciile $inncir4'ncre de l o 'nc- #t$el
inct # $ie 7i !&tin tentt # !ele9e l lte 'nci !entr& $olo#ire inte*rl #& !rtil
#erviciilor lor% In ce#t $el #e i7'&ntte#te venit&l 'ncii 3#i !ro$it&l5 !er client% %
2.Importana relaiei banc-client pentru activitatea bancar
<n #en# lr*- client&l e#te o !er#on" B&ridic" #& $i9ic" cre- 6n 7od $recvent #&
6nt87!ltor- !ele9" l #erviciile '"ncii 6n #co!&l #ti#$cerii &nor nevoi- !rod&c8nd #t$el
e$ecte econo7ice #&!r '"ncii%
<n #en# re#tr8n#- client&l e#te !er#on B&ridic" #& $i9ic"- v8nd de#c)i#e &n&l #&
7i 7&lte cont&ri 6n eviden+ele '"ncii- cre !ele9" 6n 7od $recvent ;i con#tnt l
!rod&#ele ;i #erviciile '"ncii !entr& #ti#$cere &nor nevoi !rod&c8nd #t$el e$ecte
econo7ice #&!r '"ncii%
@
Clien+ii '"ncii #&nt dornici de o clitte c8t 7i '&n" #erviciilor ;i de o *7"
diver#i$ict" !rod&#elor% Pentr& orice 'nc"- e#te vitl c !rod&#ele ;i #erviciile !e cre le
o$er" #" $ie !re9entte !e !i+" c& #&cce#- !entr& #e tin*e o'iectivele de cre;tere ;i
de9voltre le '"ncii ;i- i7!licit le #ector&l&i $inncir4'ncr%
Rel+i dintre client ;i 'nc" e#te $orte i7!ortnt" ;i nece#it" #" $ie 6ntre+in&t"
!entr& #i*&r loilitte clien+ilor ;i !entr& de9volt c& ce;ti rel+ii !e ter7en l&n*%
Atr*ere de noi clien+i !ote $i 7i co#ti#itore dec8t 7en+inere celor eCi#ten+i-
7en+inere $ond&l&i de clien+i eCi#ten+i $iind &n o'iectiv i7!ortnt l 7n*e7ent&l&i
clientelei%
Mn*e7ent&l clientelei tre'&ie #" i'" dre!t #co! 7en+inere ;i de9voltre ce#t&i
$ond de clien+i- !rin 6nt87!inre nece#tit"+ii lor% Rel+i 'nc"4client e#te &n ele7ent c)eie
l o$ertei '"ncii- $iind o co7!onent" de '9" o$ertei totle de !rod&#e ;i #ervicii le &nei
'"nci%
C)ei 7en+inerii rel+iei 'nc"4client e#te de 4i !"#tr !e clien+i 7&l+&7i+i% Dc" &n
client e#te 7&l+&7it- el v dori #" r"78n" 6n rel+ie c& 'nc- v $olo#i din ce in ce 7i
7&lte #ervicii !entr& 4;i #ti#$ce nece#it"+ile ;i v reco7nd $vor'il 'nc ;i ltor%
Clien+ii $ideli !e ter7en l&n* #&nt cei cre vor #i*&r de9voltre '"ncii% Fidelitte
client&l&i 67'&n"t"+e;te i7*ine &nei '"nci ;i !ote $i #&r# eCcelent" de recl7"% Clien+ii
'"ncii n& vor dori #" l&cre9e c& conc&ren+ii '"ncii- !entr& #ervicii #i7ilre- c)ir dc"
&neori ce;ti vor o$eri #ervicii 7i ie$tine #& rte le do'8n9ilor 7i trctive%
3.Clientul
Un din de$initiile cele 7i de# intlnite le client&l&i- #e con#ider $i Korice
!er#on c& cre #e intr in contct in ti7!&l ctivittii 9ilniceL%
In ce#te conditii- c&7 tre'&ie # !rivi7 contct&l- ce tre'&ie # intele*e7 !rin contctH
Tre'&ie # !orni7 de l idee c o !er#on 3cre !ote $i &n client !otentil #& &n
client rel5 !ote veni in contct c& 'nc intr4o 7&ltit&dine de 7odlitti:
T !rin recl7ele 'nciiO
T !rin n&nt&rile 'ncii in !re#O
T !rin n&nt&rile $i#te l #edi&l 'nciiO
T !rin in$or7tii !e cre le #olicit tele$onicO
T !rin #olicitri in #cri# de in$or7tii #& #erviciiO
T !rin !re9entre l 'nc%
N& tre'&ie trec&t c& vedere nici $!t&l c o !er#on !ote veni Kin contctL c&
'nc !rin inter7edi&l i7*inii !e cre #i4 $or7t4o de#!re &n&l #& &nii din #lritii
'ncii- !ornind de l co7!ort7ent&l ce#tor in$r cdr&l&i 'ncii% In ce#t ordine de
idei- e#te de7n de !reci9t c- !n l &r7- ce 7i '&n recl7 'ncii o con#tit&ie
rece!tre $vor'il #lritilor #i de ctre ct&lii #& !otentilii clienti% O #e7ene
rece!tre #e !ote o'tine n&7i !rintr4o co7!ortre ire!ro#'il in vit !rtic&lr%
ECi#t !reri con$or7 cror clientii #e i7!rt in:
T clienti interniO
T clienti eCterni%
Ace#t i7!rtire e#te eC!lict de #it&ti rel in cre- c)ir dc cinev n&
l&cre9 in 7od direct !entr& clientii eCterni- in 7od #i*&r el l&cre9 !entr& ltcinev cre
vine in contct direct c& clientii eCterni%
Orice n*Bt #erve#te- in &lti7 in#tnt- clienti eCterni- de#i &nii $c ce#t l&cr&
indirect- !rin inter7edi&l &n&i cole* #& co7!rti7ent de l&cr&% Intr4o 'nc !or $i dte
n&7ero#e #e7ene eCe7!le%
A
4.Ce trebuie sa se inteleaga prin relatia banca - client

4Relti 'nc 4 client e#te &n !roce# cre #e de#$#or contin&&- vnd c #co! !rinci!l
#ti#$cere cerintelor client&l&i%
4Relti 'nc 4 client- devine- in e#ent- o tit&dine ce tre'&ie i7'rti#t de intre*&l
!er#onl- !&nnd client&l in cetr&l tentiei 'ncii%
4Dorint de #ti#$cere cerintelor client&l&i tre'&ie # #e 7ni$e#te de l !ri7&l nivel
ierr)ic- !rin e$ort&l !er7nent de i7'&nttire #erviciilor o$erite de 'nc%
4De#$#&rre reltiei 'nc 4 client in cele 7i '&ne conditii cere o '&n conl&crre de
ec)i!- deci reltii '&ne de co7&nicre intre co7!rti7ente- intre #lriti%
4Ridicre clittiv reltiei 'nc 4 client !re#&!&ne !re*tire !er7nent l tote
nivel&rile%
4(ndire #i !lni$icre ctivittii 'ncii tre'&ie indre!tt #!re intele*ere cerintelor
client&l&i% Ace#te vor $ce c o'iectivele 'ncii # devin 7i clre%
4St'ilire- #&!rve*)ere #i control&l 7od&l&i in cre #e de#$#or relti 'nc 4 client
vor relev $!t&l c e #e !ote #i tre'&ie i7'&nttit contin&&%
5.Avantajele cunoasterii relatiei banca client
Dc 'nc dore#te # #&!rviet&i#c #i # i' #&cce#- e re nevoie de clientii #i%
Dc n& eCi#t clienti- n& eCi#t ctivitte% Sti#$cere cerintelor clientilor e#te deci
e#entil !entr& !#trre clientilor #i !entr& evit 7&tre lor l lte 'nci%
Client&l 7&lt&7it de #erviciile o$erite e#te cel 7i '&n #i 7i ie$tin in#tr&7ent de
7r2etin*% Un client #ti#$c&t v #!&ne !rietenilor #i cole*ilor l&i ce #ervicii '&ne i4& $o#t
o$erite #i #t$el- ce#t l&cr& v d&ce noi clienti%
Un n&7r 7i 7re de clienti v con$eri 'ncii o !o9itie vntBo# in cdr&l
conc&rentei #i deci- &n 7i 7re #e*7ent de !it% Adic: o '&n reltie 'nc 4 client U &n
#e*7ent 7i 7re de !it U !ro$it&ri 7i 7ri%
Ridicre #tndrdelor reltiei 'nc 4 client !re#&!&ne reltii '&ne de co7&nicre in
cdr&l 'ncii #i o !er7nent !re*tire !er#onl&l&i% Dre!t re9&ltt- !er#onl&l v ince!e
# #e #i7t 7&lt 7i #t!n !e #ine% Ace#t v ve &n e$ect !o9itiv #&!r 7orl&l&i
!er#onl&l&i%
L&cr&l in ec)i! v rt $iecr&i #lrit ct e#te de i7!ortnt !ro!ri # contri'&tie
l der&lre ctivittii- 7rind in ce#t $el con#tienti9re e$iccittii 7&ncii de!&#e%
Co7!niile r#!ndite in intre* l&7e c&t # reli9e9e &n !rod&# #& # o$ere
#ervicii de inlt clitte% Sti#$cere client&l&i e#te- de#i*&r- e#entil in conce!t&l *lo'l
de clitte%Ace#t #trte*ie de#tint !er$ectionrii clittii #e n&7e#te Totl V&litG
Mn*e7ent 3TVM5 U 7n*e7ent&l cre &r7re#te cre#tere clittii%
Conce!t&l TVM !r&t in P!oni- i7edit d&! cel de4l doile r9'oi 7ondil%
B&n&rile B!one9e er& ren&7ite c $iind ie$tine- dr de #l' clitte% Un #tti#ticin
7ericn- dr% W%Ed&rd# De7in*- de7on#trt &n&i *r&! de ind&#tri#i B!one9i c- !&nnd
ccent&l !e clitte- vor !&te conc&r #i vor !&te invin*e co7!niile 7ericne- $&rni9nd
'&n&ri trinice #i l !ret&ri #c9&te% C& ctev 7ici eCce!tii- co7!niilor 7ericne le4&
tre'&it inc ./ de ni # intele* i7!ortnt TVM4&l&i% A#t9i el #4 eCtin# #i in E&ro!%
De#i TVM4&l ince!&t !rin $i !lict in ind&#trie- el #e eCtinde #t9i #i #&!r
#$erei #erviciilor #i c)ir or*ni9tiile c& de!rt7ente !rioritr !&'lice &r7re#c clitte-
e$iccitte #i e$icient or*ni9tiilor lor%
0/
Intr4o !eriod reltiv #c&rt de ti7!- #&te de co7!nii din l&7e intre* &
con#ttt c e#te e#entil !entr& ele #4#i concentre9e tenti #&!r clittii !entr& !&te
#&!rviet&i #i !entr& #e !&te de9volt in contin&re% Relti 'nc 4 client v $i o
re$lectre clittii #erviciilor o$erite de ctre 'nc%
Pro'le7 clittii ince!e de l cel 7i inlt nivel l cond&cerii #i e tre'&ie
inc&rBt !e tote nivel&rile%
Cond&cere tre'&ie # inc&rBe9e !er#onl&l din #&'ordine #4#i #c)i7'e tit&dine #i
co7!ort7ent&l% Tote co7!rti7entele tre'&ie # $ie i7!licte #i # i !rte in 7od e*l l
e$ort&l de tin*e nivel&ri #&!eriore de clitte%
Atin*ere clittii #&!eriore nece#it coo!erre #i voint $iecr&i in !rte de #e
i7!lic in ce#t !roce#% Fiecre dintre !rtici!nti e#te r#!&n9tor !entr& clitte
#erviciilor o$erite%
*V.UR* R*.'I*I +NCI 3 C.I*N' IN C>RU. +NCII
Pentr& $iecre dintre crcteri#ticile !rinci!le eCi#t ctev eCercitii #i7!le cre !ot
$i &tili9te !entr& #t'ili nivel&l l cre #e $l relti 'nc 4 client in 'nc%
1. ervirea prompta
T Prel&re i7edit !el&l&i tele$onic%
Tre'&ie nli9t ti7!&l in cre #e $ce trn#$er&l &n&i !el tele$onic !rin centrl- #& ct
d&re9 !entr& i #e co7&nic cel&i cre $c&t !el&l c !er#on c&tt n& e#te in 'iro&
#& in cldire%
T In$or7tii r!ide- clre #i conci#e%
Anli9re in cdr&l colectiv&l&i de l&cr& t&t&ror doc&7entelor- in$or7tiilor #&
#cri#orilor tri7i#e in c&r#&l &nei #!t7ni 3de eCe7!l& #!t7n cre toc7i #4 inc)eit5
clientilor% E#te de &r7rit 7i le# r!iditte c& cre #4 r#!&n# #i clitte r#!&n#&l&i
dt%
T R!iditte #ervici&l&i o$erit%
Dc #&nt co9i l *)i#ee- tre'&ie clc&lt ti7!&l #i #t'ilit cre e#te #it&ti lor l di$erite
7o7ente le 9ilei- !entr& *#i o 7odlitte de 7ic#or ti7!&l de #edere l cod 3de
eCe7!l&: !rin introd&cere &n&i c#ier #&!li7entr l n&7ite ore de vr$5%
T Sol&tionre r!id ne7&lt&7irilor%
Dintr4o li#t continnd tote !ro'le7ele !e cre le4& ridict clientii #& cole*ii in &lti7
#!t7n- ct l #&t & $o#t re9olvteH
2. Atitu!ini po"itive
T Atit&dine n*Btilor%
Per#onl&l 97'e#te clientilorH Vor'e#c !olitico# #i 7'il intre eiH Cnd #4 int7!lt
&lti7 or c &n&l din n*Bti #4#i i# din $ire in $t &n&i cole* #& &n&i clientH
T Re#!ectre !ro7i#i&nilor%
Tre'&ie nli9t dc #4& !&t&t tine #& n& !ro7i#i&nile $c&te clientilor%
T In$or7re !er7nent client&l&i%
Tre'&ie l&te in con#iderre !ro'le7ele #i !ln*erile venite din !rte clientilor #&
cole*ilor% Tre'&ie dt- de $iecre dt- &n r#!&n# #i tre'&ie clri$icte neintele*erile #&
!ro'le7ele cre & $o#t l#te deo!rte%
T Atit&dine one#t #i de#c)i# in relti c& client&l%
N& tre'&ie o7i#e in$or7tii cre i4r !&te $i vitle client&l&i%
00
3. isteme e#iciente
T Si#te7e cre $&nctione9%
Se !ote $ce &n te#t: # $ie r&*ti ctiv !rieteni #& vecini # vd c&7 e#te or*ni9t
#ervici&l de de#ervire clientilor 'ncii #i # vin # #!&n- o'iectiv- concl&9iile%
T Mici i7'&nttiri%
I7!re&n c& tot !er#onl&l din #&'ordine- e#te indict *ndire- i7!re&n ctor 7i
7&lte !o#i'ilitti de $ce &n !ic 7i 7&lt !entr& clienti%
T Atenti cordt detliilor%
Dic&tii c& ec)i! de l&cr&- de#!re i7!ortnt !entr& client cel&i 7i 7ic detli&%
4. $ersonal !e inalta cali#icare
T Per#onl c& nivel ridict de c&no#tinte%
Per#onl cre #tie ce rol inde!line#te $iecre din n*Bti- cre c&no#te $&nctiile t&t&ror
de!rt7entelor- cre c&no#te tote ti!&rile de #ervicii !e cre le o$er 'nc #i #tie #
eC!lice c&7 !ot &tili9 clientii ce#te #ervicii%
T Per#onl cre i#i #&7 re#!on#'ilitti%
Per#onl&l din K!ri7 linieL tre'&ie # detin #&$iciente in$or7tii !entr& $&rni9
r#!&n#&ri decvte clientilor #i n& re !er7nent nevoie de ltcinev cre le detine%
T Per#onl cre l# o i7!re#ie '&n clientilor%
Ordine #i c&rteni e#te $orte i7!ortnt in loc&l &nde #e !ri7e#c clientii% An*Btii
tre'&ie # incerce # rte intotde&n ele*nti #i !re9ent'ili l #ervici&%
CU& S* S'+I.*S'* C* NU&* ISI >1R*S'* C.I*N'U.
1. trangerea in#ormatiilor !espre client
Ininte de i7!le7ent !ro*r7&l de reltii 'nc4client e#te nece#r o tent
cercetre !entr& #t'ili &r7torele:
T cine #&nt clientiiO
T ce !rtic&lritti &O
T dc #&nt #& n& 7&lt&7iti de !rod&#ele #& #erviciile o$erite in 7od o'i#n&it%
Clientii !er#one B&ridice !ot $i cl#i$icti d&! ti!&rile de !rod&#e $inncire !e cre le
&tili9e9- d&! #&7ele i7!licte 3#old&ri- $l&C&l de n&7err5- d&! &tili9re creditelor etc%
Relti 'nc4client e#te #i tre'&ie # $ie #&#tin&t de 7'int doi $ctori: o$ert
'ncii c& tot ce !ote c&!rinde #!eci$ic&l #erviciilor 'ncre #i $ctor&l &7n c!'il #
7terili9e9e ce#t o$ert%
In ce#t co7'intie ele7ent&l din7ic e#te l&crtor&l de 'nc% Prin 7od&l in cre
ce#t conce!e relti 'ncii c& client&l- el !ote !rovoc e$ectele dorite in $cerile 'ncii-
#& di7!otriv%
Co7!ort7ent&l #i tit&dine no#tr $t de client n& #&nt int7!ltore- ele tre'&ie
# $ie 'ine cond&#e #i in c&no#tint de c&9%
Dc dori7 intr4devr # ne de7on#tr7 e$icient #i !ort&l l '&n&l 7er# l 'ncii-
t&nci tre'&ie # intele*e7 c &n $ctor deter7innt il con#tit&ie clitte ce#tei reltii%
In ce#t #en#- cel !&tin do& l&cr&ri ne intere#e9 c& !rioritte:
0% #i*&rre client&l&i c& #ervicii #i !rod&#e de ce 7i '&n clitteO
,% c&no#tere client&l&i in #en#&l cel 7i lr* !o#i'il%
N&7i !rin re9olvre ce#tor do& cerinte !&te7 ve certiti&dine contri'&tiei
no#tre l con#olidre reltiei 'nc4client%
0,
Proce#&l le*i#ltiv de 7oderni9re nor7elor B&ridice ce co7!&n dre!t&l $inncir
ro7ne#c e#te in c&r#- !entr& $i !&#e in concordnt c& cerintele trn9itiei l econo7i de
!it% In ce#t conditii- !rlel c& noile re*le7entri- dre!t&l $inncir contine- in
contin&re- nor7e B&ridice do!tte nterior Revol&tiei din Dece7'rie 0A@A- cee ce cre9
7&lti!le *re&tti% De cee- ccelerre !roce#&l&i le*i#ltiv- 7i le# in do7eni&l $inncir-
!rin do!tre de le*i nece#re 7oderni9rii #i#te7&l&i '&*etr- $i#cl #i vl&tr in cord c&
cerintele econo7iei de !it%
In cel#i ti7!- v tre'&i ccelert ctivitte le*i#ltiv in vedere r7oni9rii
le*i#ltiei !re9ente #i viitore Ro7niei c& ce Uni&nii E&ro!ene- c o conditie
i7!ortnt inte*rrii econo7ice trii no#tre in Uni&ne%
Ar7oni9re le*i#ltiei #e v eCtinde- in #!ecil in &r7torele do7enii: le*e
v7l- le*e 'ncr- cont&rile #i tCele #ociettilor- !ro!riette intelect&l- !rotecti
$ortei de 7&nc #i loc&rilor de 7&nc- #ec&ritte #ocil- #erviciile $inncire- re*&lile de
conc&rent- !rotecti vietii #i #nttii o7enilor- ni7lelor #i !lntelor- !rotecti
con#&7torilor- i7!o9itre indirect- #tndrdele #i nor7ele te)nice- le*ile #i
re*le7entrile in do7eni&l n&cler- trn#!ort #i 7edi&%
Cap. II. )tructura or$anizatoric a societii bancare
:.@. Prezentare
Bnc eCi#t" !entr& clien+ii #"i% C in#tit&+ie ;i ctivitte- e !"r&t !e o n&7it"
tre!t" de de9voltre #ociet"+ii- dtorit" nevoii o7enilor de e$ect& diver#e trn9c+ii%
Evol&+i #ociet"+ii o7ene;ti 6n tote do7eniile ;i- 6n #!ecil- 6n econo7ie i7!&#
d!tre ctivit"+ii 'ncre l noile cerin+e- l&cr& ce nece#itt n& dor 7oderni9re ;i
de9voltre #erviciilor o$erite de '"nci clien+ilor- dr ;i !ro!iere de ce;ti%
Le*e !rivind ctivitte 'ncr" 3nr%..Q0AA05 !revede: KStr&ct&r or*ni9toric"-
cond&cere ;i d7ini#trre #ociet"+ilor 'ncre #e #t'ile#c !rin #tt&tele !ro!rii%L 3rt%:5
Fiecre 'nc" e#te persoan juridic- $iind or*ni9t" c #ociette co7ercil"
'ncr" !e c+i&ni%
<n cee ce !rive;te #tr&ct&r re+elei de &nit"+i Ri$$ei#en Bn2- ce#t e#te
67!"r+it" 6n:
Centrala bnciiA
Sucursale B&de+ene ;i #&c&r#l 7&nici!i&l&i B&c&re;tiO
geniiA
Reprezentane.
Ace#t" re+e n+ionl" de #&c&r#le- *en+ii ;i re!re9entn+e B&n*e l &n n&7"r de
,0/ de loc+ii 3:0 de #&c&r#le- 0:> de *entii- ,. de re!re9entnte5%
0.
%.%. Con*ucerea societilor bancare
Pentr& '&n de#$";&rre ctivit"+ii- l nivel&l $iec"rei '"nci #e #t'ile#c or*ne de
cond&cere- cre #" #i*&re !roce#&l de coordonre- cond&cere ;i deci9ie% Or*ni*r7
ierr)ic" '"nci Ri$$ei#en Bn2 #4r !re9ent #t$el:
Or*ni*r7 Ri$$ei#en Bn2 Ro7ni
Divi9i
Pre#edinte
Divi9i
Retil
Divi9i Cor!ortii
Divi9i
Tre9orerie #i
Piete de C!itl
Divi9i
O!erti&ni #i IT
Divi9i Ri#c
Directi
Control
Finncir #i
Cont'ilitte
Directi A&dit
Directi P&ridic
X
Con$or7itte
Directi
Secretrit
(enerl
Directi
Re#&r#e
U7ne
Directi Reltii
P&'lice
Ri$$ei#en
Le#in*
Ro7ni
Ri$$ei#en
Bnc !entr&
Loc&inte
Ari
Mr2etin* #i
Co7&nicre
Ari Credite
Per#one
Fi9ice
Directi
Mn*e7ent
P#ive
Directi
IMM
Directi
Crd&ri
Directi
Proiecte
S!ecile
Retil
Ari Vn9ri
#i Di#tri'&tie
Ari Clienti
Cor!ortivi
Directi Sector
P&'lic
Directi In#tit&tii
Finncire
Ari Prod&#e
!entr& Cor!ortii
#i Mn*e7ent
KnoD4FoD
Ari Tre9orerie #i
Ar'itrB
Directi
Mn*e7ent&l
Bilnt&l&i #i
Porto$oli&l&i
De!rt7ent&l
Middle O$$ice
RCI
RAM
Ari O!erti&ni
Directi
In$or7tic #i
Co7&nictii
Ari Or*ni9re-
De9voltre #i
Mn*e7ent
Proce#e
Directi
Lo*i#tic
Directi
Sec&ritte
Bncr
Directi Ac)i9itii
Directi Credit
Ri#c 4 Cor!ortii
#i IMM
Directi
Ad7ini#trre-
Control- (rntii
Directi
Re#tr&ct&rre X
Rec&!erre
Credite
Directi
Con#&7er Ri#c
De!rt7ent&l
Anli9
Finncir #i
Rtin*
Directi (r&!
Ri#c Control #i
Mn*e7ent&l
%.+. Centrala bncii
Societ"+ile 'ncre- !rin centrlele lor- 6nde!line#c $&nc+i de coordonre !entr& tote
ctivit"+ile ce #e de#$";or" 6n #&c&r#lele- $ililele ;i *en+iile din #&'ordine ce#te
0:
nev8nd !er#onlitte B&ridic"- #i*&r8nd !licre corect" le*ilor- )ot"r8rilor ;i t&t&ror
ctelor nor7tive ce *&verne9" ctivitte 'ncr"%
Dintre $&nc+iile eCercitte de centrl" en&7er"7:
El'ore9" #trte*i de de9voltre '"nciiO
St'ile;te !olitic de creditre- de9voltre 6n +r" ;i #tr"in"tte #& de $&9i&ne ;i
c)i9i+iiO
E$ect&e9" #t&dii de 7r2etin*O
Acord" #ervicii de con#&ltn+"- &ditO
O*ni9e9" c+i&ni de !re*"tire cdrelorO
Ini+i9" col'or"ri c& '"nci din +r" ;i #tr"in"tteO
A#i*&r" lic)idit"+i ;i $ond&ri de creditre &nit"+ilor #&'ordonte 3$ilile- #&c&r#le-
*en+ii5O
St'ile;te nivel&l do'8n9ilor ;i co7i#ionelorO
St'ile;te !l$one de credite !entr& &nit"+ile #&'ordonteO
Contcte9" 67!r&7&t&ri ;i !l#7ente de !e !i+ inter'ncr"O
A#i*&r" ec)ili'r&l 6ntre re#&r#e ;i !l#7enteO
El'ore9" nor7e !entr& $iecre ctivitte ;i #ervici& 6n !rte 3decont"ri- o!er+i&ni
de c#"- 6nc#"ri ;i !l+i- eviden+ cont'il"- creditre etc%5O
An*Be9"- !ro7ove9"- concedi9" !er#onl&l de cond&cere din &nit"+ile
#&'ordonte%
%.,. )tructura or$anizatoric a filialei- sucursalei .i a$eniei
<n teritori&- &nit"+ile #&'ordonte centrlei c+ione9" c re!re9entnte le ce#tei-
!lic8nd !olitic ;i #trte*i centrlei '"ncii% Str&ct&r or*ni9toric" c&!rinde
co7!rti7ente cre #i*&r" de#$";&rre ctivit"+ii l nivel&l teritori&l&i &nde ele
c+ione9"% Cond&cere ce#tor &nit"+i e#te #i*&rt" de director- director econo7ic- ;e$
*en+ie- cont'il4;e$ ;i co7itet&l de credite con#tit&it din cdrele de cond&cere le &nit"+ii%
%.,.1. )ucursalele
S&c&r#lele #e con#tit&ie 6n n&clee le ctivit"+ii de#$";&rte de #ociet"+ile 'ncre l
nivel B&de+en. Rol&l lor con#t" 6n coordonre- 6ndr&7re ;i control&l ctivit"+ii o!ertive
de#$";&rte 6n &nit"+ile din #&'ordine 3$ilile- *en+ii5%
S&c&r#lele & autonomie operativ ;i de gestiune- 6n li7it &nor co7!eten+e
dele*te de centrl" ;i 6n ce#t c9- ctivitte 'ncr" #e de#$";or" !e
departamente/compartimente specializate% A#t$el- 6n *enerl- l nivel&l &nei #&c&r#le
B&de+ene- #e re*"#e#c co7!rti7ente de:
0=
CoordonreO
Tre9orerieO
CreditreO
O!er+i&ni vl&treO
C#ierieO
Cont&ri ;i vir7enteO
Decont"ri intr'ncreO
In$or7tic"O
Cont'ilitteO
ControlO
P&ridic%
Princi!lele tri'&+ii cre #e re*"#e#c l nivel&l #&c&r#lelor B&de+ene le #ociet"+ilor
'ncre #&nt:
Coordonre de n#7'l&- l nivel&l B&de+&l&i #& 7&nici!i&l&i
B&c&re;ti- !ro'le7elor de creditre- o!er+i&nilor de 6nc#"ri ;i !l"+i $"r" n&7err-
o!er+i&ni c& n&7err ;i de c#ierieO
<ntoc7ire de #it&+ii !rivind eviden+- !ro*no9 ;i d7ini#trre
tre9orerieiO
De$lcre !l$onelor de credite- !e $iecre $ilil" ;i *en+ie din
#&'ordine- c& &r7"rire ;i d7ini#trre- 6n '&ne condi+ii re#&r#elor de creditreO
Reli9re de l&cr"ri de nli9" ;i in$or7re !rivind crediteleO
Anli9re ctivit"+ilor de#$";&rte l nivel&l B&de+&l&i ;i l&re
7"#&rilor ce #e i7!&nO
Veri$icre- nli9re ;i centrli9re 'ln+elor- 'iln+&rilor ;i d"rilor
de #e7"- '&*etelor de venit&ri ;i c)elt&ieli le &nit"+ilor din #&'ordineO
Ur7"rire ;i #i*&rre control&l&i t&t&ror ctivit"+ilor de#$";&rte de
&nit"+ile din #&'ordineO
M"#&ri ce #e i7!&n 6n le*"t&r" c& !re*"tire !ro$e#ionl"
!er#onl&l&iO
Anli9re ;i vlori$icre 7terilelor 6ntoc7ite de or*nele de
control le #ervici&l&i de coordonre- c& &r7"rire 6nde!linirii 7"#&rilor #t'ilite%
%.,.%. "$enii
A*en+iile #&nt uniti teritoriale- o!ertive le #ociet"+ilor 'ncre% Ele $&nc+ione9"
6n or;ele 7i i7!ortnte din cdr&l B&de+elor ;i- 6n &nele c9&ri l nivel&l #ectorelor din
7&nici!i&l B&c&re;ti- $iind #&'ordonte #&c&r#lelor ;i v8nd l r8nd&l lor- d&!" c9- 6n
0>
#&'ordine *en+ii% A*en+iile & &tono7ie gestionar i operativ- 6n li7it co7!eten+elor
cordte de centrl '"ncii%
A*en+iile c ;i #&c&r#lele 6;i de#$";or" ctivitte !e 7i 7&lte compartimente
specializate- ;i n&7e:
Co7!rti7ent de creditreO
Co7!rti7ent o!er+i&ni vl&treO
Co7!rti7ent cont&ri ;i vir7enteO
Co7!rti7ent cont'ilitte- in$or7tic"O
Co7!rti7ent #ecretrit d7ini#trtivO
Co7!rti7ent c#ierieO
Co7!rti7ent B&ridice ;i contencio#%
Princi!lele atribuii le *en+iilor !ot $i *r&!te #t$el:
R"#!&nd- !rin cond&cere n&7it" de Con#ili&l de Ad7ini#tr+ie- 6n $+
centrlei- de ctivitte de#$";&rt" 6n &nit"+ile din #&'ordineO
Se con$or7e9" cerin+elor ;i eviden+elor #&c&r#lelorO
Or*ni9e9" ;i cond&c ctivitte de#$";&rt" de &nit"+ile din #&'ordineO
R!orte9" #&c&r#lelor in$or7+iile !rivind ctivitte de#$";&rt" 6n cdr&l
$ililei ;i 6n &nit"+ile din #&'ordineO
Rel+ii c& clien+ii !rivind:
4 Activitte de creditre- 6n lei ;i vl&t"- !er#onelor $i9ice ;i B&ridiceO
4 O!er+i&ni le*te de de#c)idere de cont&ri- ;i o!erre 6n cont&riO
4 O!er+i&ni de #c)i7' vl&trO
4 Con#&ltn+"%
<nde!line#c tri'&+iile #t'ilite de centrl" !e linie de !er#onl- #lri9re ;i
or*ni9re%
Unit"+iile 'ncre din B&de+&l Olt #&nt:
A*en+i OltO
A*en+i SelectO
A*en+i Min&le#c&O
A*en+i Cri;nO
A*en+i Bl;O
A*en+i CrclO
A*en+i Cor'iO
A*en+i Dr"*"ne;ti OltO
A*en+i Scornice;tiO
A*en+i Sltin%
0?
Str&ct&r or*ni9toric" A*en+iei Olt e#te:
Cap. III. )iste'ul infor'aional bancar .i auto'atizarea operaiunilor
bancare
+.1. )iste' infor'aional
Activitte 'ncr" 6n *enerl- or*ni9re control&l&i ;i cond&cere '"ncilor #e
con#tit&ie c e$ect l deci9iilor !e '9 c"ror re loc eCec&+i% Le*"t&r 6ntre ctivitte de
deci9ie ;i ce de eCec&+ie #e reli9e9" !rintr4&n $l&C contin&& de in$or7+ii- 6n cdr&l
#i#te7&l&i in$or7+ionl 'ncr%
Fluxul informaional bancar
Director A*en+ie
O$i+er Trn9c+ii Con#ilier clien+i
O$i+er Trn9c+ii
clienti
C#ier
Anli#t credite
retil
Per#one $i9ice
Per#one
B&ridice
DECI1IE SISTEMUL
INFORMAJIONAL
BANCAR 3SIB5
EYECUJIE
intr"ri ie;iri
ie;iri intr"ri
0@
Deci9i- c !rte co7!onent" ctivit"+ii de cond&cere ;i control- !re#&!&ne
e7itere di#!o9i+iilor core#!&n9"tore o'iectivelor &r7"rite #e reli9 6n cdr&l tri'&+iilor
'"ncilor- v8nd ;i &n rol de &tore*lre ce#tor%
Activitte de eCec&+ie !re#&!&ne e$ect&re o!er+iilor 'ncre- !otrivit di#!o9i+iilor
ce dec&r* din deci9ie- !otrivit 7etodolo*iei ;i nor7elor le*le 6n vi*ore%
Si#te7&l in$or7+ionl 'ncr e#te con#tit&it din n#7'l&l 7iBlocelor ;i 7etodelor
!rin cre #e reli9e9" colectre- !rel&crre ;i trn#7itere in$or7+iilor- re!re9ent8nd o
!re7i#" or*ni9"rii r+ionle ;i e$iciente- t8t ctivit"+ii de cond&cere coordonre ;i
control- c8t ;i celei o!ertive%
Or*ni9re #i#te7&l&i in$or7+ionl 'ncr !re#&!&ne- c& !rioritte- o #tr&ct&rre
in$or7+iilor core#!&n9"tor nece#it"+ilor c&rente ;i de !er#!ectiv" 6n cee ce !rive;te
!rel&crre &to7t" dtelor%
Dtele ce #t& l '9 #i#te7&l&i in$or7+ionl 'ncr & c #&r#"- t8t eviden+
cont'il"- o!ertiv" ;i #tti#tic" !ro!rie '"ncilor- c8t ;i *en+ilor econo7ici 6n clitte de
tit&lri de cont&ri%
Si#te7&l in$or7+ionl 'ncr e#te #&!&# &n&i !roce# contin&& de 67'&n"t"+ire- de
!er$ec+ionre !rinci!lelor #le lt&ri% Per$ec+ionre #i#te7&l&i in$or7+ionl 'ncr
!re#&!&ne c vol&7&l de in$or7+ii 'ncre #" $ie red&# l #trict&l nece#r- &tilitte $iind
!rinci!l&l criteri& de #elec+ie%
Prel&te 6n #i#te7&l in$or7+ionl 'ncr- dtele #e trn#!&n 6n in$or7+ii 'ncre-
cre !ot $i #tr&ct&rte- #t$el:
5 Din !&nct de vedere l gradului de prelucrare:
4 ele7entre
4 co7!leCe
Informaiile bancare elementare !reci9e9" #!ect&l direct 7"#&r'il- c&7 r $i- de
eCe7!l&- n&7err&l 6nc#t- cec&ri de c"l"torie c)itte etc% S!re deo#e'ire de ce#te-
in$or7+iile 'ncre co7!leCe #&nt cele re9&ltte din !rel&crre dtelor !ri7re% <n ce#t
#en# !&te7 eCe7!li$ic in$or7+iile re$eritore l creditele cordte- eCec&+i de c#"
'&*et&l&i #tt&l&i- ctivitte de decont"ri etc%
Informaiile bancare complexe- 6n $&nc+ie de *rd&l de !rel&crre- !ot $i de$initive
#& inter7edire% <n ti7! ce in$or7+iile 'ncre de$initive ne !r c re9&ltte $inle- cele
inter7edire &r7e9" #" $ie #&!&#e &lterior ;i ltor !rel&cr"ri%
'5 D&!" momentul desfurrii operaiilor bancare- in$or7+iile 'ncre #e !ot
cl#i$ic 6n:
4 o!ertive
4 !o#to!ertive
4 !revi9ionle
0A
Informaiile bancare operative eviden+i9" #tre c&rent" ;i $cilite9" !o#i'ilitte
&r7"ririi directe evol&+iei ctivit"+ii 'ncre%
F+" de ce#te- informaiile postoperative #&nt cele cre #e 7ni$e#t" d&!"
e$ect&re o!er+iilor !e cre le re$lect"% Ele & c #&r#" de dte eviden+ cont'il" ;i
#tti#tic" ;i #erve#c !entr& l&re de 7"#&ri core#!&n9"tore- 7enite #" #i*&re 6nl"t&rre
&nor de$icien+e%
Informaiile previzionale #e re$er" l o!er+iile cre #e vor !rod&ce 6n viitor ;i #e
&tili9e9"- c& !rioritte- 6n ctivitte de !ro*r7re 'ncr"%
C re9&ltt l !rel&cr"rii dtelor- in$or7+iile #e con#tit&ie 6ntr4&n $l&C in$or7+ionl
'ncr cre #e 7ni$e#t"- t8t 6n $r &nit"+ilor 'ncre- c8t ;i 6n cdr&l lor%
Fl&C&rile in$or7+ionle ce & loc 6n $r &nit"+ilor 'ncre !ot $i 6ntre veri*ile
'ncre 3$ilil"- #&c&r#l"- centrl"5 #& 6ntre ce#te ;i tit&lrii de cont&ri%
Co7!leCitte #i#te7&l&i in$or7+ionl 'ncr i7!&ne c l '9 or*ni9"rii-
$&nc+ion"rii ;i e$icien+ei #le #" #e #it&e9e o #erie de principii- c&7 r $i:
05 conceperea i funcionarea sistemului informaional bancar n funcie de structura
organizatoric a unitilor bancare 3$ilile- #&c&r#le- centrle5% Se v &r7"ri
red&cere vol&7&l&i ;i $recven+ei trn#7iterii in$or7+iilor !e 7"#&r trecerii lor de
l veri*ile in$eriore l ce #&!eriore% Red&cere !e tre!te or*ni9torice vol&7&l&i
de in$or7+ii- l nivel&l celor #trict &tile- $"r" $ect clitte deci9iilor- d&ce l
#!orire e$icien+ei #i#te7&l&i in$or7+ionlO
,5 ierarhizarea in$or7+iilor 'ncre dup importan i gradul de operativitate% <n
cdr&l ce#t&i !rinci!i&- &nele in$or7+ii 'ncre #e i7!&n $i trn#7i#e 7i r!id
3tele*r$ic- teleC5- ltele 7i !&+in r!ide 3letric5% Se v &r7"ri o!ti7i9re
eviden+elor ;i $l&C&rilor de in$or7+ii v8nd dre!t criteri& ccelerre o!er+iilor
'ncreO
.5 concentrarea i centralizarea informaiilor bancare- c+i&ni ce contri'&ie l
6nl"t&rre !rleli#7elor- l #i*&rre in$or7"rii o!ertive ;i #!orire e$icien+ei
ctivit"+ii 'ncreO
:5 tipizarea documentelor bancare innd cont de forma i elementele pe care acestea
le conin% Se v ve 6n vedere &ni$icre codi$ic"rii o!er+iilor- doc&7entelor 6n
cre #e re$lect" ;i d!tre doc&7ent+iei 'ncre l cerin+ele &to7ti9"rii
o!er+iilor 'ncreO
=5 aprecierea eficienei mbuntirilor aduse sistemului informaional bancar !rin
!licre 6n !rctic" ce#tor c& c)elt&ieli c8t 7i #c"9&te ;i 6ntr4o !eriod" de ti7!
c8t 7i 7ic"O
>5 conceperea! organizarea i funcionarea sistemului informaional bancar n funcie
de eficiena lui economic% Ace#t #e !ote !reci- 6n 7od direct- !rin &tilitte ;i
o!ertivitte in$or7+iilor c&le#e- !rel&crte ;i trn#7i#e- !rin !ro7!tit&dine ;i
,/
clitte deci9iilor l&te% <n concl&9ie- e$icien+ econo7ic" #i#te7&l&i
in$or7+ionl 'ncr e#te deter7int" de e$ectele econo7ice le ctivit"+ii &nit"+ilor
'ncre- tit&lrilor #"i de cont&ri%
+.%. )iste'ul infor'atic
No+i&ne de sistem informatic e#te le*t" de in$or7ti9re ctivit"+ii or*ni9+iei-
dic" $olo#ire ec)i!7entelor )rdDre ;i #o$tDre !entr& or*ni9re ;i d7ini#trre
in$or7+iilor- $iind o co7!onent" #i#te7&l&i in$or7+ionl- c& o #$er" de c&!rindere
#en#i'il 7i re#tr8n#"%
Crcteri#tic !rinci!l" &n&i #i#te7 in$or7tic 'ncr 7odern e#te nivel&l de
conectivitte #i*&rt 6ntre $ctorii i7!lic+i 6n ctivitte 'ncr"% Din ce#t !&nct de
vedere evol&+i #i#te7elor in$or7tice 'ncre !re#&!&ne i7!le7entre #&cce#iv" #&
direct" &r7"torelor ti!&ri de #i#te7e in$or7tice:
#i#te7e in$or7tice 'ncre #r conectivitate: #&nt crcteri9te !rin eCi#ten+ &nor
PC4&ri inde!endente !e cre r&le9" !lic+ii #!eci$ice n&7itor co7!rti7ente:
cont'ilitte- creditre etc% Trn#$er&l de dte 6ntre clc&ltore e#te #i*&rt de
re*&l" !rin inter7edi&l #&!or+ilor eCterni 3di#c)ete5% Ace#t ti! de #i#te7e in$or7tice
e#te 6nt8lnit 6ndeo#e'i 6n &nit"+ile 'ncre de di7en#i&ni 7i 7ici 3*en+ii- $ilile5O
#i#te7e in$or7tice 'ncre cu conectivitate local: #&nt #i#te7e in$or7tice '9te
!e re+ele locle de clc&ltoreO
#i#te7e in$or7tice 'ncre cu conectivitate global: #&nt #i#te7e in$or7tice
'9te !e re+ele de rie 6ntin#" 3WAN5 cre conecte9" re+elele locle 3LAN5 le
&nit"+ilor 'ncre%
Con#tr&ire &n&i #i#te7 in$or7tic !lec" de l 6ntre're: ce ctivit"+i
in$or7ti9"7H ;i contin&" c& r"#!&n#&l l 6ntre're: c&7H
Un #i#te7 in$or7tic 'ncr e#te #t$el conce!&t 6nc8t #" &to7ti9e9e &n #et c8t 7i
7re din o!er+iile c&rente le '"ncii ;i #" #i*&re in$or7+iile #trte*ice- tctice ;i
o!er+ionle nece#re !roce#&l&i deci9ionl%
Princi!lele ctivit"+i de#$";&rte de c"tre o 'nc" co7ercil" #&nt:
4 tr*ere de re#&r#e '"ne;ti de l !o!&l+ie ;i de l *en+ii econo7ici #&' $or7" de
de!o9ite l ter7en #& l vedereO
4 cordre de crediteO
4 o!er+ii de !l"+i ;i decont"ri 6n lei #& 6n vl&t"O
4 o!er+ii vl&tre: #c)i7' vl&tr- licit+ii vl&tre%
Activit"+ile de#$";&rte de '"nci #&nt '9te !e #&cce#i&ni de o!er+ii e$ect&te #trict
6n concordn+" c& nor7ele ;i re*&l7entele 6n vi*ore% Din !&nct de vedere l loc&l&i 6n
cre #e reli9e9" diver#ele o!er+ii 'ncre- ce#te #e 67!rt 6n: operaii #ront o##ice ;i
operaii bac% o##ice%
,0
&ront o##ice *r&!e9" o!er+iile cre re!re9int" interc+i&ne ne7iBlocit" c& clien+ii
'"ncii: cce#&l l cont&ri ;i $&rni9re de in$or7+ii de#!re #erviciile o$erite de 'nc"%
'ac% o##ice c&!rinde o!er+iile trn#!rente !entr& clien+ii '"ncii- dr cre #i*&r"
$&nc+iile vitle le &nei '"nci%
R!ort&l 6ntre o!er+iile $ront o$$ice- re#!ectiv 'c2 o$$ice di$er" #en#i'il de l o
ctivitte 'ncr" l lt% Pe de lt" !rte- !entr& '&n $&nc+ionre '"ncii eCi#t" o #erie de
ctivit"+i de '9" cre & 6n 7od eCcl&#iv crcter 'c2 o$$ice: cont'ilitte intern"-
d7ini#tr+ie- *e#ti&ne cont&ri ;i clc&l do'8n9i- 67!c)etre ;i de!o9itre n&7err&l&i
etc%
<n cdr&l *r&!&l&i Ri$$ei#en Bn2 Ro78ni- !rinci!lele activiti ce fac obiectul
procesrii automate #&nt &r7"torele:
*e#tionre diver#elor ti!&ri de de!o9ite ;i clien+iO
*e#tionre #i#te7&l&i de credite #!eci$iceO
o!er+i&ni de #cont c& e$ecte co7ercileO
o!er+i&ni de colectre ;i !l"+iO
o!er+i&ni c&rente de *)i;e&O
o!er+i&ni de trn#$er ;i clerin*O
control&l o!er+i&nilor de decont&ri c& lte '"nciO
*e#tionre #i#te7&l&i de eviden+" cont'il" nlitic" ;i #intetic"O
cont'ilitte venit&rilor ;i c)elt&ielilorO
ctivitte de !er#onl #lri9re%
Tot ici di#tin*e7 ;i !rinci!lele etape n realizarea unui sistem informatic bancar
distribuit- ;i n&7e:
0% Co7!&teri9re n&cle&l&i 3#i#te7 7onitor5% N&cle&l e#te re!re9entt de
centrl '"nciiO
,% Co7!&teri9re !&nctelor din re+e c #&'#i#te7e *e#tionte de #i#te7&l
7onitor% Ace#te #&'#i#te7e #&nt re!re9entte de #&c&r#le- $ilile- *en+iiO
.% De#centrli9re ;i o!ti7i9re #erviciilor de !rel&crreO
:% Proiectre re+elei 'ncreO
=% In$or7+ii ;i #ervicii c& !&'lic&l%
<n c9&l Ri$$ei#en Bn2 #i#te7&l in$or7tic $olo#it e#te B%A%S%I%S%
Scopul ce#t&i #i#te7 e#te de ne #i*&r de $!t&l c" noile #i#te7e le '"ncii
!rec&7 ;i !roced&rile $erente o$er" #ervicii de 6nlt" clitte !entr& clien+i- o!ti7i9te
!entr& $i $leCi'ile- e$icien+ ;i !rod&ctivitte c& ri#c&ri o!er+ionle ;i $inncire 7ini7e
39ero5%
,,
1biecti!ul
Pln&l #trte*ic de de9voltre #olicit" 67'&n"t"+ire c!cit"+ii 'ncre co7ercile ;i
de retil- !entr& c e #"4;i 7en+in" ;i #"4;i 67'&n"t"+e#c" !o9i+i !e o !i+" co7!etitiv"%

Cerinele c)eie !entr& viitore co7!etitivitte #&nt:
A#i*&rre &nor #ervicii 7i '&ne ;i 7i e$iciente !entr& clien+i
Prod&#e 7i $leCi'ile- 7i c!'ile ;i c& &n *rd 7i ridict de inov+ie
Noi cnle de di#tri'&+ie #i 7ecni#7e de livrre
In$or7+ii ;i r!orte #&!eriore c"tre cond&cere
Un control 7i '&n l co#t&rilor ;i o *e#tionre 7i '&n" ri#c&l&i

utomatizarea con#tit&ie o nece#itte #trte*ic" !entr&:
A #&#+ine eCtindere vol&7&l&i de clien+i- cont&ri ;i trn9c+ii
A 67'&n"t"+i #erviciile ;i ti7!&l de r"#!&n# $+" de clien+i
A #&#+ine !rod&#e ;i #ervicii inovtore ce !ot $i livrte r!id
A 67'&n"t"+i in$or7+iile c"tre cond&cere ;i control&l o!er+ionl.
,.
C*N'RU. IN)1R&'IC
Ter7inl VSAT in#tlt

!entr& *e#tionre re+elei de
teleco7&nic+ii
C*N'R.
ICBS: n&cle&l #i#te7&l&i 'ncr
con+ine:Cont'ilitte ;i
cont'ilitte *enerl"
De9voltre ;i d7ini#trre
!rod&#elor
(e#tionre clien+ilor
Creditre clien+ilor
Cont'ilitte clien+ilor
(e#tionre trn9c+iilor
Tre9orerie intern" ;i r!ortre
re*&lt"
R!ortre c"tre cond&cere
MIDASQLEO M #i#te7&l 'ncr
o!er+i&ni vl&tre #&#+ine:
Tre9oreri vl&tr"
O!er+i&ni de delin* in K$ront
o$$iceL
Creditre ;i $inn+re 6n vl&t"
SUCURS.*:
4ter7inle VSAT locle cre
!ri7e#c ;i trn#7it dte 6ntre
#i#te7ele PC4LAN3ABT ;i ICBS
(UI5 ;i cel centrl ICBS din
centrl"%
ABT #&#+ine:
O!er+i&ni de *)i;e& din &nitte
o!ertiv"
Intero*"ri clien+i
Trn9c+ii c& n&7err ;i l *)i;e&
Veri$icre #!eci7enelor de
#e7nt&r"Q!rol"
S&#+ine trn9c+ii o$$ line
EMULAREA ICBS (UI:
A#i*&r" &n cce# !rieteno# !entr&
&tili9tori c"tre tote
$&nc+ionlit"+ile #i#te7&l&i ICBS- 6n
cee ce !rive;te client&l ;i cont&l
C*N'RU. IN)1R&'IC
#&!ort !entr& !lic+iile centrle:
4ICBS- MIDASQLEO !entr&
7;in IBM ASQ://- PC4LAN
4K)&'L !entr& teleco7&nic+ii
!rin #telit USAT
,:
Cap. I/. Conturile bancare
,.1. 0eschi*erea conturilor
De#c)idere &n&i cont e#te- 6n cele 7i 7&lte c9&ri- 6nce!&t&l rel+iei 6ntre 'nc" ;i
client% E#te i7!ortnt c ce#t" rel+ie #" dec&r*" corect- t8t din !&nct&l de vedere l
client&l&i- c8t ;i din cel l '"ncii- re#!ect8nd&4#e cdr&l le*i#ltiv%
Preced&r !rivind #olicitre de#c)iderii &n&i cont
Potrivit le*ii nr%..Q0AA0 !rivind ctivitte 'ncr" ;i Re*&l7ent&l BNR !rivind
o!er+i&nile vl&tre- '"ncile #&nt &tori9te #" de#c)id" cont&ri !er#onelor $i9ice ;i
B&ridice ro78ne;ti #tr"ine% Ace#t dre!t l '"ncilor #e re*"#e;te 6n &tori9+i de $&nc+ionre
eli'ert" ce#tor de BNR ;i 6n Stt&t&l de or*ni9re ;i $&nc+ionre l $iec"rei '"nci
co7ercile%
Rel+i dintre 'nc" ;i client 6nce!e odt" c& de#c)idere ;i c& de!&nere !ri7ei
#&7e% C8nd #e #olicit" de#c)idere &n&i cont 'ncr- e#te i7!ortnt c 'nc #" o'+in" 7i
7&lte in$or7+ii de#!re no&l #"& client% Prctic rt" c" e#te !r&dent c 'nc #"4;i $or7e9e
o i7*ine c8t 7i co7!let" !rivind !oten+il&l client- 7i le# 6n c9&l 6n cre #e !reci9"
c" ce#t e#te intere#t- 6n !re9ent #& 6n viitor- de !o#i'ilit"+ile de creditre le '"ncii%
L de#c)idere &n&i cont- clienii persoane fizice tre'&ie #" !re9inte &n ct de
identitte ;i- 'ine6n+ele#- cerere de de#c)idere cont&l&i%
E#te !o#i'il c !ri7 #&7" cre v intr 6n cont #" !rovin" dintr4&n cec !e cre
client&l 6l re de 6nc#t% De#i*&r 6n '9 #&7ei ce &r7e9" $i 6nc#t" !rin cec&l re#!ectiv
#e !ot e$ect& !l"+i $"r" #" #e 7i ;te!te 6nc#re 'nilor de l 'nc #&!r c"rei $o#t
tr# cec&l% Pr&den+ 'ncr" n& !er7ite c &n client no& #" retr*" $ond&rile cre &r7e9"
#"4i intre 6n cont !rintr4&n cec e7i# 6n $vore #- !8n" 6n 7o7ent&l 6n cre #e !ri7e;te
con$ir7re c" cec&l $o#t onort de 'nc #&!r c"rei $o#t tr#%
Dc" dore#c #" de#c)id" &n cont- clienii persoane juridice re9idente- cre de#$";or"
ctivit"+i co7ercile- tre'&ie #" !re9inte '"ncii- odt" c& cerere de de#c)idere cont&l&i ;i
&r7"torele doc&7ente:
0% Contractul "e societate- ;t7!ilt ;i &tenti$ict l NotritO
,% Statutul societii- &tenti$ict l NotritO
.% Certificatul "e #nmatriculare l Re*i#tr&l Co7er+&l&iO
:% 4nregistrarea societii l Direc+i (enerl" Finn+elor P&'lice ;i Control&l&i
Finncir de SttO
,=
=% Botr8rea 5u"ectoreasc 3r"7#" de$initiv"5 M !rivind &tori9re $&nc+ion"rii
#ociet"+ii ;i con#tit&ire le*l" ce#tei- 6n con$or7itte c& Le*e .0Q0AA/O
>% *0tras "in procesul !erbal al "unrii 7enerale a cionarilor !rivind 'ordre
nominal cond&cerii #ociet"+ii ;i !er#onelor 67!&ternicite cu "rept "e
semntur 6n 'nc"O
?% Co"ul fiscal ;i amprenta tampileiO
@% >o!a"a e0istenei spaiului 6n cre 6;i de#$";or" ctivitteO
A% )ia cu specimenele "e semnturi le !er#onelor c& dre!t de #e7n"t&r" 6n 'nc" ;i
!er#onelor 67!&ternicite re!re9ent vl'il #ociette%
<n c9&l persoanelor juridice cu scop nelucrativ 3non4!ro$it5- #&nt nece#re
doc&7entele 7en+ionte l !&nctele ,-= ;i > 3!rec&7 ;i 7!rent ;t7!ilei5%
Unele '"nci- !otrivit nor7elor !ro!rii- #olicit" 6n c9&l #ociet"+ilor co7ercile ;i lte
doc&7ente !rivitore l ctivitte $ir7ei- c&7 r $i: planul "e afaceri al societii-
bilanul economic !e &lti7&l n #&- d&!" c9- raportul pri!in" e0erciiul bugetar i
financiar%
Pentr& o'+ine c8t 7i 7&lte in$or7+ii re$eritore l no&l client ;i !entr& evit &n
intervi& direct c& !re 7&lte 6ntre'"ri- '"ncile !re$er" #" $olo#e#c" $or7&lre de cerere ce
vor #tndrdi9 in$or7+iile !ri7ite- evit8nd&4#e !o#i'ilitte c o in$or7+ie relevnt"
de#!re &n client #" $ie o7i#"%
Pe l8n*" o'+inere in$or7+iilor nece#re de#!re &n client no&- 'nc tre'&ie #"
o'+in" ;i specimenele !e semnturi cer&te !entr& &n cont% Ace#t l&cr& #e reli9e9" !rintr4
&n doc&7ent 6n cre #&nt de#e7nte !er#onele ce !ot o!er 6n cel cont ;i #!eci7enele de
#e7n"t&ri le ce#tor%
Cont&rile !er#onle !ot $i de#c)i#e n&7i 6n n&7ele &nei !er#one- dr- 6n *enerl-
de+in"tor&l cont&l&i !ote man!ata 7Ci7 do&" !er#one cre #" i'" dre!t de #e7n"t&r"
!entr& ce#t cont
,>
,.%. 0eschi*erea *e conturi curente .i *e *epozit (persoane fizice# &n ca*rul
Raiffeisen ank
<n c9&l Ri$$ei#en Bn2 S%A%- ce#t de#c)ide cont&ri c&rente ;i de de!o9it 6n lei
;iQ#& vl&t" l cerere eC!re#" clien+ilor3!er#one $i9ice5 % Cont&rile #e de#c)id de c"tre
&nit"+ile o!ertive 3#&c&r#le- *en+ii- re!re9entn+e5- 6n con$or7itte c& nor7ele el'orte
de Bnc" 6n ce#t #co! !rin co7!letre $or7&lrelor #tndrd le '"ncii%
Tit&lr&l cont&l&i !ote n&7i &n&l #& doi 67!&ternici+i- cre & dre!t&l de e$ect&
o!er+i&ni 6n cont%
A#&!r #&7elor $lte 6n cont&rile de#c)i#e 3c&rente ;i de de!o9it5 6n eviden+ B"ncii-
!ot di#!&ne li'er- c& re#!ectre nor7elor 6n vi*ore- &r7"torele !er#one:
Tit&lr&l cont&l&iO
Per#onele 67!&ternicite de tit&lr- n&7i !e ti7!&l vie+ii tit&lr&l&iO
Mo;tenitorii tit&lr&l&i- cre dovede#c c& certi$ict de 7o;tenitor #& c& )ot"r8re
B&dec"tore#c" ce#t" clitte%
Bnc !ote e$ect& !l"+i din cont&rile de#c)i#e- $"r" cord&l tit&lr&l&i- n&7i !e
'9" de )ot"r8ri B&dec"tore;ti r"7#e de$initive ;i ltor titl&ri eCec&torii !rev"9&te de le*e%
Bnc v e$ect& o!er+i&nile di#!&#e de clien+ii #"i 6n ordine di#!&nerii o!er+i&nii
;i 6n li7it di#!oni'il&l&i din cont&rile ce#tor- c& re#!ectre re*&lilor ;i &9n+elor B"ncii%
,.+. 1uncionarea conturilor
Prin #&!rve*)ere !er7nent" cont&l&i- 'nc o'+ine di$erite in$or7+ii c&7 r $i:
posibilitatea de a oferi clientului noi produse i servicii bancare- c &r7re 7odi$ic"rilor
#&rvenite 6n ctivitte client&l&i 3re$lectte 6n r&lB&l cont&l&i5- corectitudinea operaiunilor
derulate prin cont- utilizarea corect a creditelor- core#!&n9"tor de#tin+iei !entr& cre &
$o#t cordte% Prin &r7"rire $&nc+ion"rii &n&i cont- 'nc !ote de#co!eri ;i #e7nle de
verti9re #&!r deterior"rii #it&+iei $inncire client&l&i%
urse !e in#ormaii
Cecuri
Ur7"rind !l"+ile !rin cec le clien+ilor- 'nc !ote vede c&7 6;i c)elt&ie#c ce;ti
'nii% Pre9entre &n&i cec !entr& retr*e o #&7" $orte 7re !ote r"t c" &r7e9" #" #e
$c" o c)i9i+ie i7!ortnt" !entr& $ir7" #& 6n #co! !er#onl- #& &r7e9" o #c)i7're 6n
ctivitte $ir7ei #& 6n #c)i7'&l de vi+" l client&l&i%
ervicii prin cont curent
C&no#c8nd detlii re$eritore l #erviciile ordonte de client ;i o!erte !rin cont&l
c&rent- 'nc !ote ve o i7*ine #&!r o'li*+iilor c& crcter de re*&lritte le
client&l&i% Pl"+ile c"tre diver;i 'ene$iciri #& c"tre lte '"nci r !&te 6n#e7n c" cel client
re 7&lte o'li*+ii contrct&le- #& c" 'nc l cre re cont&l !ierd&t o !o#i'ilitte de
o$eri ce#t&i client lte !rod&#e ;i #ervicii 'ncre%
Cre!itarea contului
Creditre cont&l&i &n&i client re!re9int" 6nc#"ri le ce#t&i ;i re$lect" intr"rile de
n&7err #& lte #&7e- c& o n&7it" $recven+" din di$erite lte #&r#e% A#t$el- c" orice
#c)i7're rit7icit"+ii #& #&7elor r !&te indic di$ic&lt"+i #& c)ir !ro'le7e
!oten+ile le $l&C&l&i $ond&rilor 3c#) $loD5%
<n c9&l clien+ilor !er#one $i9ice- dc" #lri&l lor e#te tri7i# l 'nc"- t&nci 'nc
v c&no;te n&7ele $ir7ei !entr& cre l&cre9" client&l- c8t ;i nivel&l #lri&l&i% <ntr4&n
#t$el de c9- '"ncile #i*&r" o creditre re*&lt" cont&l&i client&l&i 6n '9 cec&rilor c&
!lt #lri&l&i ce vor $i tri7i#e de $ir7 &nde l&cre9" client&l%
(ialogul client personal banc
In$or7+ii reci!roc &tile !ot $i o'+in&te 6n ti7!&l 6nt8lnirilor dintre !er#onele
&tori9te din !rte '"ncii ;i client !entr& e$ect&re &nor o!er+i&ni 'ncre #& 6n ti7!&l
conver#+iei neo$icile l *)i;e&- t&nci c8nd client&l trece !e l 'nc"%
)rmrirea !e ansamblu a conturilor bancare
Cre #&nt #e7nele c" &n client 3!er#on" $i9ic" #& B&ridic"5 re di$ic&lt"+i
$inncireH De eCe7!l&- #old&rile 7edii !entr& o !eriod" de ti7! & #c"9&t #&- 6n 7od
con#tnt- intr" 7i !&+ini 'ni 6n cont%
<n c9&l &n&i client !er#on" B&ridic"- #&r# $inl" de in$or7+ii di#!oni'il" !entr&
'nc" e#te $or7t" din: bilanul contabil- contul "e rezultate 3!ro$it ;i !ierdere5- flu0ul
fon"urilor 3$l&C&l de n&7err M c#) $loD5- !rec&7 ;i o!er+i&nile !rin contul "e
"isponibiliti l client&l&i%
)uncionarea conturilor #n ca"rul Raiffeisen +an9
Bnc Ri$$ei#en Bn2 e$ect&e9" 6n cont&rile de#c)i#e clien+ilor #"i o!er+i&ni
'ncre di#!&#e de ce;ti 6n #cri# #& !rin lte 7iBloce convenite 6ntre Bnc" ;i Client- 6n
li7it di#!oni'il&l&i 6n cont ;i c& re#!ectre nor7elor !ro!rii de l&cr& le B"ncii ;i
re*&lilor ;i &9n+elor 'ncre interne ;i intern+ionle%
Bnc *rnte9" e$ect&re corect" 6n ti7! &til- con$or7 in#tr&c+i&nilor Client&l&i-
o!er+i&nilor 6n lei #& vl&t" dc":
Doc&7entele !re9entte B"ncii #&nt co7!lette ;i &tori9te 6n 7od core#!&n9"torO
Sold&l cont&l&i !er7ite o!er+i&neO
S&7 din cont&l Client&l&i n& e#te indi#!oni'ili9t" de eCi#ten+ &nor !o!riri
di#!&#e de &toritte B&dec"tore#c" co7!etent" #& &n or*n l #tt&l&iO
Client&l n& re dtorii #cdente ec)itte $+" de Bnc"O
O!er+i&ne e#te con$or7" c& re*&l7entele 'ncre 6n vi*ore%
Bnc Ri$$ei#en Bn2 e#te &tori9t" #" !l"te#c"- l cerere or*nelor de dre!t-
#&7ele cre #e c&vin '&*et&l&i #tt&l&i #& '&*etelor locle- !rec&7 ;i cele di#!&#e !rin
)ot"r8ri B&dec"tore;ti #& de r'itrB- de$initive ;i eCec&torii%
<n c9&l 6n cre Client&l !re9int" B"ncii in#tr&7ente de !lt" rdine de !lt"- 'ilete l
ordin- cec&ri- c7'ii etc% v8nd !oten+il $r&d&lo#- !rod&c8nd ri#c&ri de !lt"- incl&#iv
cele in#tr&7ente cre !ot $ect $inlitte decont"rii- ce#t v intr #&' inciden+
#nc+i&nilor le*le !rev"9&te de cte nor7tive 6n vi*ore- Bnc re9erv8nd&4;i dre!t&l de
n& eCec&t ordin&l clien+ilor 6n ce#te #it&+ii%
Pentr& !roteBre intere#elor #le- con$or7 !revederilor le*le 6n vi*ore- Client&l #e
o'li*" #" in$or7e9e ne6nt8r9it Bnc !rivind orice in#tr&7ent de !lt" 3cec- c7'ie- 'ilet l
ordin5 !ierd&t- $&rt- di#tr&# #& n&lt- !entr& c Bnc #" declre i7edit l Centrl
Incidentelor de Pl"+i ce#te in$or7+ii%
Bnc Ri$$ei#en Bn2 e7ite &n eCtr# de cont l cerere- !entr& con$ir7
o!er+i&nile 6nre*i#trte 6n cont&l Client&l&i% Client&l tre'&ie #" veri$ice corectit&dine
o!er+i&nilor 6nre*i#trte 6n cont&l #"& ;i #" trn#7it" B"ncii event&lele conte#t+ii 6n
ter7en de ./ de 9ile clendri#tice de l dt e$ect&"rii o!er+i&nii%
,.,. 2nchi*erea unui cont
ECi#t" o #erie de 7otive !entr& cre &n cont !ote $i 6nc)i#% Cont&l !ote #" devin"-
!&r ;i #i7!l&- inctiv ;i e#te 7i conven'il !entr& 'nc" #" $ie 6nc)i#% Un cont !ote $i
con#idert inctiv dc" n& #4& 6nre*i#trt nici &n $el de o!er+i&ni 6n cont !e o n&7it"
!eriod" de ti7!% De #e7ene- client&l !ote dori #" 6nc)id" cont&l- dintr4o 7&ltit&dine de
7otive%
<n #e7ene 67!reB&r"ri- client&l #olicit" 6n #cri# 6nc)idere cont&l&i- ir 'nc v
cere- l r8nd&l #"&- retr*ere #old&l&i #& 7&tre de!o9it&l&i l o lt" 'nc"% S&7 !ote
$i retr#" ;i !rin e7itere &n&i cec !entr& #old&l cont&l&i% <n c9&l lic)id"rii &n&i cont-
client&l&i i #e cere #" re#tit&ie crnet&l de cec% Deci- 'nc v !&te #" #t'ile#c" dc" 7i
#&nt #& n& crnete de cec&ri 6n circ&l+ie ;i dc" r"78n 6n cont re#&r#e #&$iciente !entr&
!er7ite c)itre cec&rilor neonorte 6n ti7! &til%
<nc)idere cont&l&i #e !ote $ce- de #e7ene- ;i !rin trn#$er&l #old&l&i cont&l&i
client&l&i l o lt" 'nc"% C8nd #e !ri7e;te o cerere de trn#$er #old&l&i &n&i cont e#te
6ntotde&n &til #" #e ;i 7otiv&l trn#$er&l&i% Pi+ $inncir" e#te eCtre7 de co7!etitiv" ;i
#t'ilire 7otivelor cre4l deter7in" !e client #"4;i trn#$ere cont&l !ote B&t 'nc #"4;i
recon#idere *7 ;i nivel&l !rod&#elor ;i #erviciilor o$erite ;i !re#tte- tit&dine $+" de
client ;i c)ir #"4l convin*" !e ce#t #"4;i #c)i7'e )ot"r8re%
<n c9&l 6n cre cont&l devenit inctiv- ir 'nc e#te inc!'il" #" *"#e#c" client&l
;i #" #i*&re ridicre cont&l&i ce#t&i- e#te de dtori '"ncii #" trn#$ere #old&l cont&l&i
6ntr4&n cont intern- de cont&ri inctive #& #old&ri ne#olicitte%
O 'nc" v #t&di &r7"torele ti!&ri de co7!ort7ent l client&l&i- cli$icte dre!t
ne#ti#$"c"tore:
E7itere de cec&ri ce n& !ot $i c)itte l !re9entreO
Inconveniente re!ette- deter7inte de li!# de corectit&dine ;i #erio9itte 6n rel+iile
c& 'ncO
Utili9re necore#!&n9"tore in#tr&c+i&nilor !rivind !l"+ile #& 6nc"lcre re*&lilor
de etic" 'ncr"%
<n ce#t c9- 'nc re o'li*+i de vi9 6n ti7! &til de#!re inten+i de 6nc)ide
cont&l- ;i ce#t de!inde de $iecre #it&+ie 6n !rte ;i- 6ndeo#e'i- de n&7"r&l de cec&ri ;i
lte de'ite cre & trec&t !rin cont%
<n c9&l 6n cre li7it credit"rii cont&l&i e#te de!";it" ;i 'nc dore;te 6ncetre
rel+iei c& re#!ectiv&l client- ret&rnre cec&rilor neonorte tre'&ie B&#ti$ict"% Dc" 'nc r
onor cec&rile- cre#c creditele cordte 6n cont&l c&rent- core#!&n9"tor !l"+ilor 6n !escoperit
!e cont neautori"at%
Bnc tre'&ie #"4i co7&nice 6n #cri# client&l&i inten+i de 6nc)idere cont&l&i ;i #"4i
#olicite re#tit&ire t&t&ror crnetelor de cec% De #e7ene- client&l tre'&ie in$or7t c" tote
intr"rile 6n cont vor $i $olo#ite !entr& red&cere dtoriilor ne!l"tite% Tre'&ie #" #e #t'ile#c"
&n ti7! #&$icient de 7re !entr& c #" #e de !o#i'ilitte c cec&rile- 6n #i#te7&l de
co7!en#re eCi#tent- #" !ot" $i !l"tite- $"r" de!";i li7it !l"+ilor 6n de#co!erit de cont
&tori9te%
4nc(i"erea conturilor #n ca"rul Raiffeisen +an9
Bnc e#te 6ndre!t"+it"- 6n 7od &nilterl ;i $"r" o noti$icre !rel'il"- #" 6nc)id"
orice cont l Client&l&i- dc" ce#t n& re#!ect" condi+iile de $&nc+ionre le cont&l&i
i7!&#e de ce#t- !revederile le*le 6n vi*ore #& nor7ele de l&cr& le '"ncii- c&7 r $i:
4 client&l n& 7i !re9entt ctivitte 6n &lti7&l ti7!O
4 #od&l cont&l&i n& 7i co!er" co7i#ion&l de 6ntre+inere l&nr%
R!ort&l B&ridic derivt din de#c)idere cont&l&i v !&te #" 6ncete9e ;i l ini+itiv
Client&l&i%
,.3.Conturi oferite *e Raiffeisen ank Ro'(nia
C1N'U. CUR*N'
Cont&l c&rent e#te &n !rod&# 'ncr o$erit !er#onelor $i9ice #i B&ridice- in vedere
7en+inerii di#!oni'ilit"+ilor in leiQvl&t ;i e$ect&"rii de o!er+i&ni c&rente3!l"ti ;i 6nc#"ri5-
trn#$er&ri 'ncre in li7it #old&rilor creditore% Cont&l c&rent !ote $i de#c)i# in LEI-
EUR- USD #i in lte vl&te 3dor !entr& !ri7ele trei clc&l8nd&4#e do'nd5%
Cont&l c&rent e#te $&nd7ent&l eCi#tentei 7Borit"+ii !rod&#elor ;i #erviciilor Ri$$ei#en
Bn2%
C1N'U. CUR*N' IN .*I
Crcteri#tici
Ter7en de con#tit&ire: neli7ittO
Pentr& 'nii !"#tr+i 6n cont&l c&rent #e clc&le9" do'8nd Nl vedereL cre #e
vire9" l&nr in cont&l- in &lti7 9i l&cr"toreO
Se !ote e$ect& trn#$er&ri intr'ncre on4line dr #i trn#$er&ri inter'ncreO
Se 7i !ot e$ect&:
0% !l"ti &to7te re!re9ent8nd r7'&r#"ri de credite ;i do'8n9i 3!rin contrct5O
,% trn#$er&ri !lni$icte4 7etod FiC PG4 7ndtre '"ncii # e$ect&e9e in
n&7ele #i !e cont&l tit&lr&l&i trn#$er&ri !lni$icte de #&7e $iCe l dte $iCe
intre cont&rile cel&i;i tit&lr #& intre cont&ri !r+in8nd ltor tit&lriO
.% trn#$er&ri SWEEP4 !rin cre #e trn#$er in 7od &to7t #&7ele ce de!";e#c
N&n #old 7ini7L de 7en+in&t l cont&l&i c"tre lte cont&ri c&rente #& de
econo7iiO
:% trn#$er&ri 1BA4 !rin cre #e trn#$er &to7t #&7e in cont dc #old&l
cont&l&i #cde #&' N&n #old 7ini7L- #&7e ce #e trn#$er din lte cont&ri
c&rente #& de econo7iiO
=% !l"+i de co7i#ione $erente trn9c+iilor #i ltor #ervicii !re#tte tit&lr&l&iO
>% o!er+i&ni c& CEC4&ri 'rte3trn#$er&ri5O
Do'8n9ile clc&lte !entr& lte cont&ri de+in&te de tit&lr3de!o9ite l ter7en $"r"
c!itli9re5 !ot $i virte in cont&l c&rentO
Co7i#ioneO
ECtr#&l de cont:
4 !entr& tit&lri !er#one $i9ice #e *enere9" l&nr !entr& oricre cont
c&rent !e #&!ort de )8rtie- cre #e trn#7ite client&l&i !rin !o#t"%Adre# l cre #e trn#7it
eCtr#ele e#te dre# declrt de client in N Cerere de de#c)idere de contL4 !ote $i dre#
de do7icili& #& de core#!onden+"%Clien+ii !ot #olicit !rin NCerere de de#c)idere de contL
# n& li #e trn#7it" l&nr eCtr# de cont !e )8rtie%<n ce#t c9- clien+ii !ot #olicit eCtr#e de
cont l cerere l *)i#e&l '"ncii%
4 !entr& tit&lri !er#one B&ridice #e *enere9" !entr& oricre cont c&rent
!e #&!ort de )8rtie 6n &r7"tore 9i l&cr"tore 6n cre v&t loc o o!er+ie 6n cont%Ace#te
eCtr#e #e ridic de tit&lri de l #edi&l &nit"+ii 'ncre%
Cont&ri c&rente le tit&lrilor !er#one $i9ice cre n& & ctivitte4 o!er+i&ni ini+ite
de client4 o !eriod 7i l&n* de ti7! 3.>/ de 9ile5- #&nt &to7t inctivte de
#i#te7&l in$or7tic l 'ncii 3ICBS5 !rin trecere in #tre Ndor7ntL% Cont&rilor in
#tre Ndor7ntL #i#te7&l n& le 7i !erce!e tC de d7ini#trre cont #i nici n& le
*enere9 eCtr#e l&nreO
Co7i#ione
De#c)idere contO
De!&nere n&7errO
Retr*ere n&7errO
Ad7ini#trre cont
Trn#$er&ri intrQinter'ncre%
AvntBe
0% Acce#i'ilitte4 ,: de ore din ,: l di#!oni'ilittile din cont !rin t#re &ni crd
#i !o#i'ilitte de e$ect& tote o!erti&nile 'ncre 7entionte l oricre din
cele >// &nitti Ri$$ei#en Bn2 din trO
,% FleCi'ilitte4 tit&lr&l cont&l&i !ote )otri in orice 7e7ent ce # int7!l c&
#&7ele di#!oni'ile: # le trn#$ere in lte cont&ri- # $c !lti #& # le retr*O
.% Control #&!r trn9ctiilor4 eCtr#&l de cont- o$erit l&nr !rin !o#t #& oricnd l
cerere- !er7ite control&l totl #&!r trn9ctiilor e$ect&reO
:% Ti7! econo7i#it4 $ct&rile l&nre de &tilitti !ot $i c)itte !rin cont&l c&rentO
=% Co#t&ri 7ini7e4 crd&l t#t cont&l&i #e o$er *rt&it- ir de#c)idere cont&l&i
e#te de = RONO
C1N'U. CUR*N' IN V.U'
Caracteristici:
Cont inter7edir 6ntre Cont&l C&rent #i De!o9it%
Prin ce#te cont&ri #e !ot e$ect&:
O!er+i&ni de #c)i7' vl&tr l vedere3#!ot5 #i l ter7en 3$orDrd5O
Pl"+i &to7te re!re9ent8nd r7'&r#"ri de credite ;i do'8n9i $erente
creditelorO
Trn#$er&ri intr'ncre on4line 3creditre in#tntnee cont&rilor indicre5O
Trn#$er&ri inter'ncre 3!e teritori&l Ro78niei4 con$or7 re*&l7entelor
B%N%R5O
Trn#$er&ri SWIFT3!entr& !l"+i eCterne- con$or7 Re*&l7ent&l&i vl&tr l
B%N%R%5
Cont&rile c&rente in vl&t #e !ot li7ent !rin de!&neri n&7err l oricre din
*)i#eele '"ncii- $"r" nici &n co7i#ion- c8t #i !rin trn#$er&ri intr #i inter'ncre%
Se !ot e$ect& retr*eri din ce#t cont de l *)i;eele '"ncii c)it8nd&4#e &n co7i#ion de
eli'erre n&7err%
Doc&7ente nece#re:
. Persoane fizice
4ct de identitteQ!#!ort4 in ori*inl #i co!ieO
4cerere de de#c)idere cont c&rent4 , eCe7!lreO
4conditii de &tili9re cont&rilor c&rente #i crd&rilor4 . eCe7!lreO
4conditii *enerle de der&lre $cerilor4 , eCe7!lreO
4$i# #!eci7enelor de #e7nt&ri40 Ce7!lrO
4declrtie de!onent&l&i !rivind incdrre de!o9itelor4 , eCe7!lre%
+. Persoane Curi"ice
4doc&7entele B&ridice4 in ori*inl #i co!ie4 !er#one B&ridiceO
4cerere in#criere client4 , eCe7!lreO
4cerere de de#c)idere cont c&rent4 , eCe7!lreO
4conditii *enerle 'ncre4 , eCe7!lreO
4dele*tie4 0 eCe7!lrO
4$i# #!eci7enelor de #e7nt&ri4 0 eCe7!lrO
4declrtie de!onent&l&i !rivind incdrre de!o9itelor4 , eCe7!lre%
C1N'U. >* *C1N1&II Dcces PlusE
Prod&#&l e#te o$erit !er#onelor $i9ice- in vedere econo7i#iriiQc&7&lrii
di#!oni'ilittilor in lei%
Caracteristici:
Cont&l ACCES PLUS e#te &n cont de econo7ii 3de!o9it l vedere5 cre o$er
clientilor4 !e de o !rte4 !o#i'ilitte o'tinerii &nor nivele #&!eriore de do'nd
co7!rtiv c& cele o$erite !entr& cont&l c&rent #i4 in cel#i ti7!4 !o#i'ilitte de noi
de!&neri #i cce#&l r!id l #&7ele econo7i#ite- $r re#trictii%Cont cre #e inc)ide%
Ter7en&l de $&nctionre: e#te neli7ittO
D&rt initil: cel !&tin o 9i l&crtoreO
S&7 7ini7 de de#c)idere &n&i cont: =/leiO
De!&neri &lteriore: !er7i#e incl&#iv in 9i& de#c)iderii cont&l&i- 7ini7 0//leiO
Retr*eri: !er7i#e oricnd- incl&#iv in cee#i 9i in cre #4 $c&t de!&nere- $r
re#trictii de #&7 #& n&7r de retr*eri #i $r lte !enli9riO
S&nt !er7i#e retr*eri de n&7err direct din Cont&l Acce# Pl&#O
S&nt !er7i#e trn#$er&ri de #&7e ordonte din Cont&l Acce# Pl&# in lte cont&ri
3!rtinnd tit&lr&l&i #& &nei terte !er#one5 de#c)i#e l Rei$$ei#en Bn2: cont&ri
c&rente- cont&ri de de!o9ite- cont&ri de crd3incl&#iv #lrii5 #& cont&ri de credit%
N& #e !lte#te rte din Cont&l Acce# Pl&#4 dor din Cont&l C&rent%
N& #&nt !er7i#e trn#$er&ri !lni$icteQ&to7te din Cont&l Acce# Pl&# in lte
cont&ri%
Ali7entre ce#t&i cont #e !ote $ce !rin de!&neri in n&7err #i !rin trn#$er&ri
!lni$icteQ&to7te #& oc9ionle- ordonte din lte cont&ri de#c)i#e !e n&7ele
tit&lr&l&i #& l &nei terte !er#one%
Do'nd e#te $r&ct&nt- di$erentit !e trn#e vlorice% Dc #old&l cont&l&i trece
in lt trn# vloric- rt do'n9ii #e !lic !entr& intre*&l #old !entr& !eriod in
cre #old&l #4 incdrt in trn# vloric re#!ectiv%
Do'nd #e clc&le9 9ilnic !entr& #old&l eCi#tent l #$r#it&l 9ilei 'ncre%
Frecvent de !lt do'n9ii: l&nr- do'nd #e c!itli9e9 in Cont&l Acee# Pl&#O
ECtr# de cont: l cerereO
Intero*re #old: S7rtTel- MG Bn2in*- Ri$$ei#en Direct- Ri$$ei#en OnlineO
Dc #old&l cont&l&i e#te 7i 7ic de =/ lei- orice retr*ere n&7err #olicitt #e v
!&te e$ect& !rin retr*ere intre*&l&i #old eCi#tent #i lic)idre cont&l&i%
Do'nd clc&lt !entr& de!o9ite !ote $i !ltit #i in cont&l de econo7oo Acce#
Pl&#- in $&nctie de o!ti&ne clientilor%
!anta5e:
do'nd #e c!itli9e9 l&nr- clc&l&l ce#tei #e $ce 9ilnic l #old&l cont&l&iO
e$ect&re de de!&neri &lteriore 3in n&7r neli7itt5 in cont&l de econo7iiO
li7entre cont&l&i #e !ote $ce $ie !rin de!&neri de n&7err- $ie !rin trn#$er&ri M
cre !ot $i ordonte- !lni$icte3Stndin* order M7ndtre 'ncii de 7&t 'nii
dintr4&n cont in Acce# Pl&#5 #& &to7te 3SWEEP54 din diver#e cont&riO
client&l re cce# l #old&l cont&l&i oricnd- $r re#trictii #& !enli9ri%S&nt !er7i#e
oricnd retr*erile- incl&#iv in ce#i 9i in cre #4 $c&t de!&nereO
inre*i#trre do'n9ilor clc&lte !entr& lte cont&ri detin&te de tit&lr 3de!o9ite l
ter7en5%

Comisioane:
de#c)idere cont4 / O
de!&nere ne7err M / O
retr*ere n&7err M /O
trn#$er&ri intr'ncre
>ocumente necesare:
Act de identitte%!;!ort4 in ori*inl #i co!ieO
Cerere de de#c)idere NCont Acce# Pl&#L4 , eCe7!lreO
Condi+ii *enerle de der&lre $cerilor 3dc n& e#te client R%B%54 , eCe7!lreO
Declr+ie de!onent&l&i !rivind 6ncdrre de!o9itelor4 , eCe7!lre%
Clauze:
0% S&nt !er7i#e oric8nd de!&neri &lteriore- $"r" re#tric+ii- $+" de #&7 ini+il"
de de#c)idere%
,% Ter7en&l !entr& cre #e de#c)ide cont&l de econo7ii e#te neli7itt%
.% Ali7entre cont&l&i #e !ote $ce !rin de!&neri de n&7err #& !rin
trn#$er&ri de #&7e !lni$icteQ&to7te #& oc9ionle din lte cont&ri de#c)i#e l
Ri$$ei#en Bn2%
:% S&nt !er7i#e dor trn#$er&ri oc9ionle din cont&l de econo7ii c"tre lte
cont&ri le tit&lr&l&i de#c)i#e l Ri$$ei#en Bn2%N& #&nt !er7i#e trn#$er&ri
!lni$icteQ&to7te din cont&l de econo7ii%
=% S&nt !er7i#e retr*eri !r+ileQinte*rle- oric8nd- $"r" re#tric+ie ;i $"r"
!enli9re%Retr*erile de n&7err #&nt !er7i#e direct din cont% Co7i#ion&l de retr*ere
n&7err l c#ierie e#te de /-=Z !lict l vlore #&7ei retr#e-7ini7 /-= lei 3!entr&
cont&rile in lei5 #i 7ini7 . e&ro 3!entr& cont&rile in e&ro5%
<n c9&l retr*erilo de n&7err de l c#ierie cre de!";e#c !l$on&l de
0=%///lei #& =%///e&ro- dc" n& vor $i n&n+te de c"tre clien+i c& cel !&+in o 9i 6ninte-
vlore ce de!";e;te !l$on&l de 0=%/// lei #& =%/// e&ro #e v co7i#ion c& 0Z%
>% Pentr& d7ini#trre cont&l&i de econo7ii tit&lr&l dtore9" l&nr '"ncii &n
co7i#ion de d7ini#trre in vlore de : lei- !entr& cont&l in lei- #& , e&ro- !entr& cont&l in
e&ro- #cdent 6n &lti7 9i l&cr"tore l&nii%Bnc cord o di7in&re vlorii co7i#ion&l&i
l&nr de d7ini#trre in c9&l in cre- l #$8r;it&l $iec"rei 9ile 'ncre din l&n con#idert-
#old&l cont&l&i e#te 7i 7re #& e*l c& .///lei- !entr& cont&l in lei- #& ,%/// e&ro-
!entr& cont&l in e&ro- c9 in cre vlore co7i#ion&l&i l&nr de d7ini#trre v $i
di7in&t l , lei- !entr& cont&l in lei- #& 0 e&ro- !entr& cont&l in e&ro% <n #co!&l c)it"rii
co7i#ion&l&i- tit&lr&l &tori9e9" 'nc #" 6nc#e9e-$"r" cord&l #& !rel'il- orice #&7e
dtorte de ce#t" 6n '9 !re9ent&l&i contrct-!rin eli'erre &to7t- l #cdente-
cont&l&i de econo7ii Acce# Pl&#%
?% Rt do'8n9ii e#te $l&ct&nt ;i e#te di$eren+it !e trn#e vlorice%Pentr&
#&7 de!&#" 6n cont&l de econo7ii n& #e !lic o rt &nic do'8n9ii-ci rte di$eren+ite-
!entr& $iecre $rc+i&ne din #&7 de!&# cre #e 6ncdre9" 6ntr4o trn# vloric- !lic8n#&4
#e rt do'8n9ii $erent re#!ectivei trn#e vlorice%
Rtele n&le de do'8nd" !ot $i 7odi$icte de c"tre 'nc 6n $&nc+ie de evol&+i
rtelor de do'8nd" !e !i+ $inncir 'ncr"%Vlore trn#elor-6n $&nc+ie de cre #e
clc&le9" do'8nd- !ote $i 7odi$ict de c"tre 'nc%Modi$icre rtei do'8n9ii- !rec&7
#i 7odi$icre vlorii trn#elor- #e vor d&ce l c&no;tin+ client&l&i !rin $i;re l #ediile
'"ncii%
Do'8nd #e clc&le9" 9ilnic !entr& #old&l eCi#tent l #$8r;it&l 9ilei 'ncre%Do'8nd
#e clc&le9" !entr& l&n #i n&l clendri#tic ;i #e v !l"ti l&nr- 6n &lti7 9i $iec"rei
l&ni-6nce!8nd c& l&n &r7"tore de#c)iderii cont&l&i- c!itli98nd&4#e in cont&l de#c)i# !rin
!re9ent&l contrct%
@% Vlore co7i#ionelor !erce!&te de 'nc- 7entionte in !re9ent&l
contrct-!ote $i 7odi$ict de 'nc in conditiile le*ii%
A% Pentr& cont&rile de econo7ii Acce# Pl&# de#c)i#e in 9ilele ne'ncre-dt
de#c)iderii cont&l&i v $i 9i& 'ncr i7edit &r7tore-&r7nd #e !lic ce#t&i rtele
de do'nd in vi*ore l ce#t dt%
0/% Pentr& o!erti&nile e$ect&te in cont&l de econo7ii l client&l&i 'nc
eli'ere9 eCtr# de cont-l cerere-l #ediile &nittilor #le%
00% Tit&lr&l i#i #&7 r#!&ndere veri$icrii ininte de inc)eiere !re9ent&l&i
contrct dtelor in#cri#e in ce#t%Bnc n& v r#!&nde !entr& con#ecintele re9&ltte din
neveri$icre ce#tor dt%
0,% Contrct&l $o#t inc)eit in , eCe7!lre- e*le c vlore B&ridic-din cre
&n&l !entr& tit&lr #i lt&l !entr& 'nc%
C1N'U. +1NUS
Ace#t !rod&# e#te de#tint !er#onelor $i9ice in vedere econo7i#irii
di#!oni'ilittilor 'ne#ti in Lei%
Caracteristici:
De!o9it in lei c& reinnoire &to7t c!itl&l&i #i do'nd $iC !e !eriod dintre
reinnoiriO
Rtele de do'nd #&nt di$erentite in $&nctie de #&7 de!&#O
Bnc v cord clientilor &n 'on&# de do'nd !e o !eriod de o l&n l $iecre
cicl& de trei l&ni de eCi#tent de!o9it&l&i% Bon&#&l con#t in #&!li7entre c& do&
!rocente3,Z5 rtei n&le de do'nd% In l&n &r7tore cordrii 'on&#&l&i #e
revine l rt de do'nd !rctict de 'nc !entr& ce#t ti! de !rod&#%
Ter7en de con#tit&ire: 0 l&nO
N& #&nt !er7i#e de!&neri &lteriore con#tit&irii de!o9it&l&iO
Do'nd #e clc&le9 !entr& l&n de ./ de 9ile #i n&l de .>/ de 9ile #i #e !lte#te
l&nr- in 9i& core#!&n9tore dtei de con#tir&ire de!o9it&l&i- in cont&l cirent #&
in cont&l de crdO
Ti&tlr&l cont&l&i Bon&# !ote #olicit 'ncii trn#$er&l do'n9ilor 'oni$icte
ce#t&i intr&4&n cont ce !ote !rtine tit&lr&l&i #& &nei terte !er#oneO
N& #&nt !er7i#e retr*eri ininte de #cdent% Orice retr*ere din cont&l Bon&#4 l
#cdent #& d&! #cdent4 e#te con#idert lic)idre de de!o9it% In c9&l lic)idrii
de!o9it&l&i ininte de #cdent- !entr& #&7ele eCi#tente in !eriod c&!rin# intre
dt de!&neriiQreinnoirii #i dt lic)idrii #e v 'oni$ic do'nd l vedere%
!anta5e:
Inre*i#trre do'n9ii #e $ce l&nr- intr4&n cont c&rent l client&l&i- l dte
core#!&n9tore con#tit&irii de!o9it&l&iO
Acce# !er7nent l do'nd !rin inter7edi&l crd&l&i t#t l cont&l c&rentO
Reinnoire &to7t de!o9it&l&i l #cdent- !e cel#i ter7en- c& do'nd
!rctict de 'nc in 7o7ent&l l dt reinnoirii- $r $i nece#r !re9ent
tit&lr&l&i 3#& i7!&ternicit&l&i5 l 'nc- ce#t vnd o'li*ti de re#!ect ce#t
no& ter7en% Lic)idre ininte de eCoirre ter7en&l&i cond&ce l 'oni$icre
c!itl&l&i c& do'nd l vedere !entr& !eriod dintre con#tit&ire 3reinnoire5 #i dt
lic)idriiO
Do'nd 7Bort c& &n !rocent 3[0Z5 in c9&l de!&nerilor din trn# IIO
Acordre &n&i 'on&# de do'nd de [,Z l do'nd n&l !rctict ce#t&i
!rod&# !e o !eriod de o l&n l $iecre cicl& de trei l&ni de eCi#tent de!o9it&l&i%
>ocumente:
CrteQ '&letin de identitteQ !#!ort4 in ori*inl #i co!ieO
Contrct de con#tit&ire de!o9it l ter7en !entr& !er#onele $i9ice in vl&t M ,
eCe7!lreO
Conditii *enerle de der&lre o!erti&nilor 'ncre M , eCe7!lreO
Declrtie de!o9it&l&i !rivind incdrre de!o9itelor M , eCe7!lre%
For7&lrele de#c)idere cont c&rentQ Acce# Pl&# 3dc n& e#te client l R%B%Q #& n&
re cont c&rentQ Acce# Pl&#5
C1N'U. *V*NI&*N'
Prod&# e#te o$erit !er#onelor $i9ice 7Bore #i !er#onelor B&ridice%Se dre#e9- in
#!ecil- !er#onelor cre dore#c # c&7&le9e #&7e de 'ni !entr& &n eveni7ent 3vcnte-
niver#ri- !lti l dt $iC5 #i cre n& dore#c # e$ect&e9e nici &n $el de retr*eri !e d&rt
eCi#tentei cont&l&i%
Caracteristici:
Ter7en de con#tir&ire: intre A0 #i .>= de 9ile- l le*ere client&l&iO
S&7 7ini7 de con#tit&ire: 0=/ lei3!er#one $i9ice5 #i 0/// lei3!er#one B&ridice5O
Do'nd e#te $l&ct&nt #i #e c!itli9e9 l&nr3:-,=Z5O
Scdent &nic% D&! i7!linire ter7en&l&i n& #e 7i clc&le9 do'ndO
Per7ite de!&neri &lteriore 3in n&7r neli7itt5- 7i !&tin c& ./ 9ile ininte de
#cdentO
N& #&nt !er7i#e retr*eri !rtile% C!itl&l de!&# n& !ote $i retr# dect !rin
lic)idre de!o9it&l&iO
Lic)idre ininte de #cdent #e !ote $ce- l c!itl&l de!&# n& #e 7i 'oni$ic
do'nd- ir retr*ere de n&7err n& #e co7i#ione9%
!anta5e:
Do'nd #e c!itli9e9 l&nr- incl&#iv !entr& noile de!&neriO
Plt do'n9ii #i c!itl&l&i #e e$ect&e9 l dt #cdentei- !rin lic)idre
cont&l&iO
Per7ite e$ect&re de de!&neri &lteriore3in n&7r neli7itt5 in cont&l de
de!o9it- pe durata cuprinsa intre data constituirii depozitului si "# de zile inainte
de scadenta$
Po#i'ilitte le*erii dtei #cdentei- ne$iind li7itt l &n ter7en #cdent%
Po#i'ilitte de o!t !entr& trn#$er&ri !lni$icte de #&7e $iCe l dte $iCe
3Stndin* Order5 din lte cont&ri de#c)i#e l R%B% in Cont&l Eveni7ent%
Co7i#ion de retr*ere4 /-.=Z%
>ocumente necesare:
CrteQ '&letin de identitteQ !#!ort4in ori*inl #i co!ieO
Contrct Cont Eveni7ent4 , eCe7!lreO
Conditii *enerle de der&lre $cerilor 3dc n& e#te client R%B%5 M ,
eCe7!lreO
Declrtie de!o9it&l&i !rivind incdrre de!o9itelor M , eCe7!lre%
C1N'U. *SCR1=
Cont&l E#croD e#te o$erit !er#onelor $i9ice #i !er#onelor B&ridice- cre dore#c #
e$ect&e9e trn9ctii i7o'ilire- !o#i'ilitte de der&l- !rin inter7edi&l &n&i cont E#croD-
o!erti&ne de trn#$er l 'nilor re!re9entnd !ret&l trn9ctiei i7o'ilire%
Parti implicate:
A% C&7!rtor&l M !er#on $i9ic de!&neQ tn#$er #&7e de 'ni intr4&n cont E#croD%
B% Vn9tor&l M !er#on $i9ic- in $vore crei #e v trn#$er #&7 'loct in
cont&l E#croD- dc vor $i inde!liniti ter7enii #i conditiile #ti!&lte de !rti in
contrct
C% Bnc M A*ent E#croD M Ri$$ei#en Bn2- !rin &nittile #le teritorile- in clitte de
cce!tnt l #ervici&l&i%
&o"ul "e functionare
Cont&l E#croD e#te &n cont de de!o9it colterl &tili9t de tit&lr c& de#tinti
#!ecil de 'locre &nei #&7e de 'ni !n l $inli9re &nei trn9ctii i7o'ilire #i
inc)eiere &n&i contrct de vn9re4c&7!rre &tenti$ict de Notr&l P&'lic%
Pentr& 'ene$ici de ce#t #ervici&- c&7!rtor&l i7o'il&l&i v de#c)ide l 'nc &n
cont E#croD- #i v de!&neQ trn#$er in ce#t cont- o #&7 in lei- cre !ote re!re9ent !ret&l
inte*rl l i7o'il&l&i #& dor o !rte contrvlorii i7o'il&l&i%
De#c)idere cont&l&i E#croD #e v e$ect& in '9 Contrct&l&i E#croD inc)eit intre
c&7!rtor #i vn9tor #i cce!tt de Bnc%
Odt c& de#c)idere Cont&l&i E#croD- tt c&7!rtor&l ct #i vn9tor&l- &
o'li*ti # de#c)idQ# 7entin &n cont c&rent de#c)i# l orice &nitte Ri$$ei#en Bn2%
Cap./. "ctivitatea bancar privin* operaiunile
*e *econtare intra .i interbancare .i &ntre clienii si (&ncasri .i pli
fr nu'erar#
Co7!onentele #i#te7&l&i de !l"+i $"r" n&7err din Ro78ni #&nt &r7"torele:
co7!en#re !l"+ilor inter'ncre $"r" n&7errO
decontre !l"+ilor de 7re vloreO
decont"rile c& BNRO
decont"rile c& Tre9oreri (enerl" Stt&l&iO
decont"rile $erente o!er+i&nilor c& titl&ri de #ttO
decont"rile $erente !l"+ilor 6n lei core#!&n9"tore !ie+ei vl&tre inter'ncre%
3.1. )iste'ul *e co'pensare
BNR- 6nde!linind&4;i rol&l !e cre 6l re c 'nc" centrl"- e7i# Re*&l7ent&l
!rivind co7!en#re 7&ltilterl" !l"+ilor inter'ncre $"r" n&7err- !e #&!ort de )8rtie-
cre con+ine detlii 7"n&n+ite re$eritore l tote !roced&rile de co7!en#re- re*&l7ent
ce l&t 6n con#iderre t8t in$or7+iile $&rni9te de re!re9entn+i i '"ncilor- c8t ;i cele
!rovenite din #&r#e eCterne- &tili9te 6n lte +"ri% Princi!l&l vntB !entr& client&l &nei
'"nci co7ercile e#te cel c" !rintr4&n #i#te7 e$icient de co7!en#re i #e !&n l di#!o9i+ie
!ro!riile di#!oni'ilit"+i 7&lt 7i re!ede dec8t 6ninte%
Crcteri#tici le Si#te7&l&i de Co7!en#re
Si#te7&l de co7!en#re 7&ltilterl" !l"+ilor inter'ncre !e #&!ort )8rtie e#te
#i#te7&l 7n&l de !rel&crre dtelor ce re l '9" #tndrdele intern+ionle ;i- 6n
cel;i ti7!- o$er" &n cdr& or*ni9+ionl re*le7entt- cre 6nde!line;te tote cerin+ele
le*le ;i te)nice !e teritori&l Ro78niei% <ntr&c8t #i#te7&l #e '9e9" !e circ&it&l !o;tl l
in#tr&7entelor de !lt"- d&rt 7edie de co7!en#re e#te de . 9ile !entr& ordinele de !lt"
;i de : 9ile !entr& cec&ri% Vlore 7Ci7 &n&i in#tr&7ent de !lt" co7!en#'il e#te de
=// 7ilione lei% Fc eCce!+ie !l"+ile inter'ncre e$ect&te c& cec&ri- c7'ii ;i 'iletele l
ordin- cre #&nt introd&#e 6n co7!en#re- indi$erent de vlore lor.
3.%. Instru'ente si 'o*aliti *e plat &n Ro'(nia
Fl&C&rile $inncire 6ntre *en+ii econo7ici #e reli9e9" #&' $or7" de n&7err #&
!rin lte 7iBloce de !lt"% De$icien+ele #i#te7&l&i de !l"+i ;i decont"ri din +r no#tr" &
deter7int c- $l&C&rile $inncire #&' $or7" de n&7err #" i'" 6nc" o !ondere 6n#e7nt"%
<n !re9ent- !l"+ile 6n econo7i ro78ne#c" #&nt reli9te 6ntr4o !ondere cov8r;itore
!rin 7iBloce de !lt" !e #&!ort )8rtie% E#te vor' 6n !ri7&l r8nd de ordine de !lt" ;i cec&ri
;i 6ntr4o 7"#&r" 7i red&#" de c7'ii- 'ilete l ordin ;i lte 7iBloce de decontre !e #&!ort
)8rtie% MiBlocele de decontre !e #&!ort )8rtie & crcteri#tic $!t&l c" nece#it" circ&l+i
$i9ic" in#tr&7ent&l&i de !lt" 6ntre !l"titor ;i 'ene$icir%
>urata "econtrii de!inde 6n !rinci!l de doi $ctori:
4 #ociet"+ile 'ncre l cre !l"titor&l- re#!ectiv 'ene$icir&l- & de#c)i#e cont&riO
4 di#!&nere teritoril" &nit"+ilor 'ncre l cre & de#c)i#e cont&ri 3cel;i B&de+ #&
B&de+e di$erite5%
Se deo#e'e#c #t$el dou tipuri de decontare:
"econtare intrabancar: c8nd t8t &nitte 'ncr" !l"titor&l&i- c8t
;i &nitte 'ncr" 'ene$icir&l&i !r+in celei;i #ociet"+i 'ncreO
"econtare interbancara: c8nd &nit"+ile 'ncre i7!licte 6n decontre
!r+in &nor #ociet"+i 'ncre di$erite%
>econtarea intrabancar 36ntre &nit"+i teritorile le celei;i #ociet"+i 'ncre5-
e#te ce 7i r!id"- !&t8nd $i !rel&t" 6ntr4o !ro!or+ie 6n#e7nt" de #i#te7&l in$or7tic%
De;i decontre !e #&!ort )8rtie !re#&!&ne trn#$er&l $i9ic l doc&7entelor de
decontre 6ntre &nitte 'ncr" !l"titore ;i ce 'ene$icir"- c& &tori9re B"ncii
N+ionle Ro78niei 3Re*&l7ent&l nr% 0Q0AA= e7i# de B%N%R%5- &nit"+ile 'ncre 6;i !ot
trn#$er !e cle electronic" in#tr&7entele de !lt"- &r78nd c doc&7entele de !lt"
!ro!ri&49i#e #" &r7e9e circ&it&l !o;tl o'i;n&it- 6n $inl $iind neCte c doc&7ente
B&#ti$ictive% Trn#7i#i #e reli9e9" de re*&l" !rin $C #& teleC%
De o'icei- decontre electronic" intr'ncr" #e reli9e9" d&!" &r7"tor&l l*orit7:
0% &nit"+ile 'ncre de'ite9" cont&rile clien+ilor !l"titori ;i tri7it l centrl #ociet"+ii
'ncre $i;iere ce con+in dte !rivind !l"+ile c"tre clien+ii celorllte &nit"+i 'ncreO
,% $iecre &nitte !rei de l centrl" trn9c+iile cre re!re9int" !l"+ile cre 6i #&nt
dre#te- !oi credite9" core#!&n9"tor cont&rile clien+ilor 'ene$iciriO
.% in#tr&7entele de !lt" !e #&!ort )8rtie &r7e9" circ&it&l !o;tl o'i;n&it ;i #&nt
neCte c doc&7ente B&#ti$ictive%
Decontre electronic" !er7ite trn#$er&l r!id l $ond&rilor 6ntre !l"titor ;i
'ene$icir 36n cee;i 9i5 ;i &to7ti9e9" inte*rl o!er+iile 'c2 o$$ice%
>econtarea interbancar e#te 7i co7!lict" deorece 6n decontre #&nt i7!licte
#ociet"+i 'ncre di$erite ;i- 6n !l&#- intervine o ter+" in#tit&+ie: Bnc N+ionl" Ro78niei
!rin #i#te7&l c#elor de co7!en#+ie 3!entr& !l"+i ce n& de!";e#c =// 7ilione lei5% ECi#t"
7i 7&lte circ&ite !entr& doc&7entele de !lt"- 6n#" !entr& #i7!li$icre vo7 con#ider
c9&l 7i *enerl c8nd #ociette 'ncr" ini+itore di#!&ne de o &nitte 'ncr" 6n B&de+&l
de de#tin+ie% S" !re#&!&ne7 c" &n client 3!l"titor5 l Ri$$ei#en Bn2 din B&de+&l A !l"te;te
!rin ordin de !lt" o #&7" &n&i client 3'ene$icir5 l B%R%D% din B&de+&l B%
Proce#&l de decontre inter'ncr" #e de#$";or" #t$el:
0% !l"titor&l !re9int" ordin&l de !lt" l &nitte Ri$$ei#en Bn2 din B&de+&l AO
,% cont&l client&l&i e#te de'itt- ir ordin&l de !lt" e#te re7i# !rin #i#te7&l intr'ncr
l #&c&r#l Ri$$ei#en Bn2 din B&de+&l BO
.% &nitte Ri$$ei#en Bn2 din B&de+&l B !re9int" ordin&l de !lt" *ent&l&i de
co7!en#re l B%R%D% 6n cdr&l ;edin+ei de co7!en#re cre re loc l #&c&r#l
B"ncii N+ionle din B&de+&l BO
:% !e '9 ordin&l&i de !lt"- &nitte teritoril" B%R%D% din B&de+&l B reli9e9"
creditre cont&l&i 'ene$icir&l&i%
E$ort&rile BNR ;i le #ociet"+ilor 'ncre 6n introd&cere 6n Ro78ni
in#tr&7entelor de !lt" $"r" n&7err d!tte t8t #tndrdelor intern+ionle- c8t ;i
#tdi&l&i ct&l de de9voltre #i#te7&l&i no#tr& de !l"+i #4& concreti9t 6n ct&li9re
cdr&l&i le*i#ltiv !entr&: cec- c7'ie- 'ilet l ordin ;i ordin de !lt"%
3.%.1. Cecul
Cec&l- 6n $r n&7err&l&i ;i c"r+ilor de !lt"- e#te cel 7i $olo#it in#tr&7ent !entr&
$ce !l"+i l 7*9in- re#t&rnt%
Cec&l e#te de$init c o in#tr&c+i&ne #cri#" dt" &nei '"nci de !l"ti c&iv vlore
7en+iont" 6n cee in#tr&c+i&ne%
Cec&l e#te &n in#tr&7ent de !lt" &tili9t de tit&lrii de cont&ri 'ncre c& di#!oni'il
core#!&n9"tor 6n ce#te cont&ri% Di#!oni'il&l e#te cret !rintr4&n de!o9it 'ncr- din
o!er+i&ni de 6nc#"ri #& !rin cordre &n&i credit 'ncr%
Cec&l e#te &n in#tr&7ent de !lt" cre !&ne 6n le*"t&r"- 6n !roce#&l cre"rii #le trei
!er#one: tr"*"tor&l- tr#&l ;i 'ene$icir&l% In#tr&7ent&l e#te cret de tr"*"tor cre- 6n '9
&n&i di#!oni'il con#tit&it 6n !rel'il l o #ociette 'ncr"- d" &n ordin necondi+iont
ce#tei- cre #e $l" 6n !o9i+ie de tr#- #" !l"te#c" l !re9entre- o #&7" deter7int"- &nei
ter+e !er#one #& 6n#&;i tr"*"tor&l&i $lt 6n !o9i+ie de 'ene$icir%
Cele trei !er#one cre #&nt !&#e 6n le*"t&r" !rin cec $c tote o!er+i&nile le*te de
ce#t in#tr&7ent 6n n&7e !ro!ri&: tr"*"tor&l e7ite cec&l- !o#e#or&l le*iti7 6l 6nc#e9"- ir
tr#&l 6l !l"te;te%
<n cdr&l Ri$$ei#en Bn2- o!er+i&nile c& cec&ri #e e$ect&e9" 6n con$or7itte c&
Le*e nr% =AQ0A.: #&!r cec&l&i c& 7odi$ic"rile ;i co7!let"rile &lteriore- re*le7ent"rile
6n vi*ore !rivind o!er+i&nile 6n devi9e- conven+iile QrnB7entele de l&cr& 6nc)eite c&
'"ncile core#!ondente- doc&7entele nor7tive !rivind c&no;tere clientelei- !revenire
#!"l"rii 'nilor ;i co7'tere &tili9"rii '"ncii 6n #co!&l $inn+"rii ctelor de terori#7% <n
e$ect&re o!er+i&nilor c& cec&ri- l nivel&l &nit"+ilor Ri$$ei#en Bn2 vor $i l&te tote
7"#&rile !entr& eli7inre ri#c&rilor o!er+ionle cre !ot !"re !e !rc&r#&l der&l"rii &nor
#t$el de o!er+i&ni%
'ransmiterea cecului
Po#i'ilit"+ile de circ&l+ie le &n&i cec #&nt:
a. simpla remitere M c9&l cec&l&i l !&rt"tor cre 6n 7o7ent&l e7iterii- n& indic"
eC!re# 'ene$icir&l #& !ort" 7en+i&ne Kl !&rt"torL% Ace#t cec- v $i !l"tit $ie
!er#onei de#e7nte c 'ene$icir-$ie de+in"tor&l cec&l&iO
b. cesiunea de crean ordinar M t&nci c8nd cec&l e#te e7i# !e n&7ele &nei n&7ite
!er#one ;i con+ine 7en+i&ne Kn& l ordinLO 6n ce#t c9 n&7i !er#on
no7inli9t" !ote #"4l 6nc#e9eO
c. girarea M o!er+i&ne !rin cre #e trn#7it- odt" c& re7itere- ;i tote dre!t&rile
re9&ltte din cec% E e#te o 7en+i&ne #!ecil" $"c&t" !e ver#o4&l cec&l&i 6n $vore
oric&i- incl&#iv 6n $vore tr"*"tor&l&i%
Plata cecului
Cec&l e#te !l"ti'il n&7i l vedere 3l !re9entre5% Ter7enele de !re9entre l !lt"
cec&rilor e7i#e ;i !l"ti'ile 6n Ro78ni #&nt:
4 @9ile- dc" cec&l e#te !l"ti'il c)ir 6n loclitte 6n cre $o#t e7i#O
4 0= 9ile- 6n celellte c9&ri
;i #e clc&le9" 6nce!8nd c& 9i& &r7"tore dtei e7iterii cec&l&i%
Pre9entre cec&l&i d&!" eC!irre ter7en&l&i le*l re c e$ect !ierdere dre!t&l&i
le*l de c+i&ne 67!otriv *irn+ilor nteriori 6n c9&l 6n cre cec&l n& r $i !l"tit%
Cecul conine:
%enumirea de cec- cre tre'&ie #" $i*&re9e 6n 6n#&;i teCt&l titl&l&i%
Li!# den&7irii de cec tr*e n&litte in#tr&7ent&l&i% Se &tili9e9" $or7&l
con#crt": NPl"ti+i 6n #c)i7'&l ce#t&i cecL- eC!ri7t" 6n li7' 6ntre'&in+t" !entr&
redctre titl&l&i% C o eCce!+ie- !otrivit le*ilor din SUA- den&7ire de cec 6n teCt&l
in#tr&7ent&l&i n& e#te o'li*torie- $iind #&$icient ordin&l necondi+iont dt &nei '"nci de
!l"ti o #&7"%
&rdinul necondiionat de a plti dt de tr"*"tor- tr#&l&i- #ociette 'ncr"- tre'&ie #" $ie
clr- !reci# ;i necondi+iont% Orice condi+ii- li7it"ri #& contr!re#t+ii- cre #e d&*"
ordin&l&i i7!ertiv de !l"ti 3eC!ri7t !rin $or7&lNPl"ti+i\5- d&c l n&litte
in#tr&7ent&l&i%
Pe orice cec e#te o'li*torie 6n#criere #&7ei de !lt ;i 7onedei 6n cre &r7e9"
# #e e$ect&e9e !lt% De re*&l"- cec&l tre'&ie #" $ie !l"tit 6n 7oned loc&l&i !l"+ii- re#!ectiv
RON !entr& cec&rile !l"ti'ile 6n Ro78ni%
Dc" 7oned 6n cre $o#t e7i# cec&l e#te lt dec8t 7oned n+ionl" dr e#te
cott" l Bnc N+ionl" Ro78niei ;i !lt #e dore;te $i e$ect&t" 6n lei- !lt #e v
e$ect& l c&r#&l de #c)i7' clc&lt de Bnc N+ionl" Ro78niei din 9i& !re9ent"rii l
!lt cec&l&i%
'uma de plat! c&nt&7 3ci$re #i litere5 eC!ri7t 6n 7oned" de !lt 3$ie !rin den&7ire
co7!let $ie !rin &n&l din #i7'ol&rile rec&no#c&te !e !ln intern+ionl c&7 r $i de eC: le&
Ro78ni Q RON- dolr SUA Q USD- dolr A&#trli QAUD- e&ro Q EUR- etc5% <ntr4&n cec
#&7 de !lt" !ote $i 6n#cri#" !e $+ 3recto5 in#tr&7ent&l&i- $"r" de!";i li7itele #!+i&l&i
#!ecil loct teCt&l&i ;i n& 6n di*onl" #& #&' #e7n"t&r tr"*"tor&l&i%
<n cdr&l o!er+i&nilor c& cec&ri n& vor $i cce!tte l !lt dec8t cec&rile v8nd indict"
clr ;i $"r" lter"ri le teCt&l&i- t8t #&7 6n litere c8t ;i ce 6n ci$re%
(umele trasului- #ociette 'ncr"%
)ocul plii 4 <n #it&+i 6n cre !lt tre'&ie $"c&t" l o in#tit&+ie de credit #& l o &nitte
teritoril" &nei in#tit&+ii de credit- 6n loc&l de#e7nt !e cec c loc &nde !lt tre'&ie $"c&t"
#e v trece den&7ire in#tit&+iei de credit Q &nit"+ii teritorile in#tit&+iei de credit%
In c9&l nec)it"rii cec&l&i- 'ene$icir&l ce#t&i v 6nde!lini- 6n loc&l indict c loc l
!l"+ii- $or7lit"+ile cer&te de le*e !entr& !"#trre dre!t&rilor #le%
%ata si locul emiterii- c& indicre !reci#" 9ilei- l&nii- n&l&i% Dt e7iterii tre'&ie #" $ie
&nic"- !o#i'il" ;i cert"% Loc&l e7iterii- tre'&ie #" $i*&re9e l"t&ri de dt e7iterii cec&l&i%
'emntura trgtorului- cre tre'&ie #" $ie olo*r$- 7n&#cri#" ;i redctt" c& !iC&l #&
#tilo&l c& cernel" de c&lore ne*r" #& l'#tr" 6n #!+i&l de#tint ce#tei% <n c9&l 6n cre
tr"*"tor&l e#te o !er#on" B&ridic"- #e7n"t&r re!re9entnt&l&i le*l l ce#tei eCec&tt" !e
cec n& v $i 6n#o+it" de ;t7!il tr"*"tor&l&i%
Li!# #e7n"t&rii tr"*"tor&l&i- re#!ectiv re!re9entnt&l&i &tori9t l tr"*"tor&l&i
!er#on" B&ridic" tr*e n&litte cec&l&i%
Orice #e7n"t&r" &n&i cec tre'&ie #" c&!rind":
4 Pentr& clien+ii !er#one $i9ice 4 6n clr- n&7ele ;i !ren&7ele !er#onei $i9ice ir
!entr& clien+ii !er#one B&ridice M 6n clr den&7ire !er#onei B&ridice ori
entit"+ii cre #e o'li*" %
4 Pentr& clien+ii !er#one $i9ice 4 #e7n"t&r olo*r$" !er#onei $i9ice- ir !entr&
clien+ii !er#one B&ridice #e7n"t&r olo*r$ re!re9entn+ilor le*li #&
67!&ternici+ilor !er#onelor B&ridice cre #e o'li*" ori re!re9entn+ilor #&
67!&ternici+ilor ltor cte*orii de entit"+i cre &tili9e9" #t$el de in#tr&7ente%
N&7ele ;i !ren&7ele !er#onei $i9ice tre'&ie #cri#e ; c&7 #e $l" ce#te 6n#cri#e
6n ct&l de identitte ir den&7ire !er#onei B&ridice- ; c&7 #e $l" ce#t 6n#cri#" 6n
Re*i#tr&l Co7er+&l&i%
Tr"*"tor&l !ote #e7n el 6n#&;i cec&l #& !ote d o 67!&ternicire !rin ct &tentic%
Se7nre n&7i !rin !licre &nei !r$e c&!rin98nd &n n&7e de !er#on $i9ic n& e#te
!er7i# d&c8nd l n&lre cec&l&i%
Clasificarea cecurilor
a. (in punctul !e ve!ere al bene#iciarului cecului- ce#t !ote $i:
Cec nominati!- cre #e !l"te;te n&7i &nei n&7ite !er#one- c& #& $"r" cl&9 Kl
ordinL%Ace#t ti! de cec re 7en+i&ni $"c&te de tr"*"tor: cec no7intivO cec netrn#7i#i'ilO
cec !l"ti'il n&7i !ri7&l&i 'ene$icir% Cec&l no7intiv c& cl&9 ]n& l ordin^ n& !ote $i
trn#7i# !rin *ir- ci n&7i !e cle ce#i&nii ordinre%
Cec la purttor- cre #e !l"te;te $ie !er#onei de#e7nte de 'ene$icir- $ie !&rt"tor&l&i
in#tr&7ent&l&i% Pe ce#t cec l e7itere n& #e indic" eC!re# n&7ele 'ene$icir&l&i #& !ort"
7en+i&ne Nl !&rt"torL- cee ce 6n#e7n" c" v $i !l"tit !o#e#or&l&iQ!&rt"tor&l&i l&i% Cec&l
l !&rt"tor #e trn#7ite !rin #i7!l re7itere titl&l&i de l &n !&rt"tor l lt&l%
b. (in punct !e ve!ere al mo!ului *n care poate #i *ncasat cec&l:
Cecul barat. Den&7ire e#te dt" de cele do&" linii !rlele- verticle #& o'lice
6n#cri#e de !o#e#or&l cec&l&i- ori&nde !e #&!r$+ ce#t&i% Ace#t 6n#e7n" c"
'ene$icir&l v tre'&i #" rec&r*" l #erviciile &nei '"nci !entr& 6nc#re #&7ei 6n#cri#e !e
cec- 6nc#re #&7ei 6n#cri#e 6n n&7err direct de l 'nc tr"*"tor&l&i ne$iind !o#i'il"%
Brre !ote $i:
4 general dc" n& !re9int" nici o 7en+i&ne 6ntre cele do&" linii% Cec&l c& 'rre *enerl" n&
!ote $i !l"tit de tr# dec8t &nei #ociet"+i 'ncre #& &n&i client l tr#&l&i%
4 special dc" 6ntre cele do&" linii e#te 7en+iont" den&7ire &nei '"nci%Cec&l c& 'rre
#!ecil" n& !ote $i !l"tit de tr# dec8t #ociet"+ii 'ncre 6n#cri#e 6n cec #&- dc" ce#t
e#te tr#&l- &n&i client l #"&%
Cecul nebarat #e !ote !l"ti 6n n&7err #& 6n cont- $"r" nici o re#tric+ie- !otrivit
#olicit"rii 'ene$icir&l&i%
Cecul certificat e#te &n cec o'i;n&it cre !ote $i 'rt #& ne'rt cre #e c)it" l
!re9entre- !e cre 'nc 3tr#&l5 con$ir7" eCi#ten+ di#!oni'il&l&i nece#r e$ect&"rii !l"+ii%
In ce#t c9- cel cre e7i# cec&l 3tr"*"tor&l5 n& 7i !ote retr*e din cont&l #"& #&7
certi$ict" !8n" l eC!irre !eriodei de !re9entre%
Cecul circular e#te e7i# de o 'nc" #&!r ltei '"nci #& #&!r #&'&nit"+ilor #le%
E#te &n titl& de credit l ordin- !l"ti'il l vedere- 6n ter7en de ./ de 9ile de l e7itere%
Prin cec&l circ&lr- in#tit&+i de credit e7itent" #e o'li*" de$initiv e$ect& !lt cec&l&i
re#!ectiv 6n $vore 'ene$icir&l&i cre e#te ;i client&l #"&% S&r# de $ond&ri din cre
#ociette 'ncr e$ect&e9" !lt- o con#tit&ie di#!oni'il&l in !rel'il con#tit&it de
'ene$icir&l cec&l&i circ&lr- client&l #&%
Cecul "e cltorie e#te &n cec c& vlori $iCe- i7!ri7te !e 6n#cri#- odt" c& ti!"rire
ce#t&i% Ace#te cec&ri #&nt e7i#e de '"nci #& de in#tit&+ii #!ecili9te &tori9te #i-
v8nd&te clien+ilor !entr& !&te 6nloc&i 'nii lic)i9i nece#ri 6ntr4o c"l"torie%
Plt cec&l&i de c"l"torie e#te condi+iont de identitte dintre #e7n"t&r !er#onei
cre !ri7it cec&l 3!o#e#or&l5 ;i #e7n"t&r !er#onei cre 6l 6nc#e9"% De $!t- !o#e#or&l
de!&ne o !ri7" #e7n"t&r" !e cec- 6n 7o7ent&l 6n cre 6l c&7!"r"- in !re9ent
$&nc+ionr&l&i 'ncr de l *)i;e&l '"ncii- ir do& 6n 7o7ent&l 6nc#"rii- 6n !re9en+
$&nc+ionr&l&i 'ncr de l *)i;e&l '"ncii #& 6n 7o7ent&l e$ect&"rii &nei !l"+i 6n !re9en+
'ene$icir&l&i%
Cecul #n alb e#te cec&l cre c&!rinde n&7i #e7n"t&r tr"*"tor&l&i- ir &neori ;i o
!rte din 7en+i&nile cer&te de $or7&lr&l cec&l&i%
Men+i&nile cre li!#e#c tre'&ie #" $ie co7!lette 6n 7o7ent&l !re9ent"rii cec&l&i l
!lt" de c"tre !o#e#or% Unit"+ile '"ncii n& vor !ri7i !entr& !lt" cec&ri 6n l' neco7!lette
#& 6n le*"t&r" c& cre le4 $o#t noti$ict de c"tre tr"*"tor c" & $o#t co7!lette 6n 7od
'&9iv- c)ir dc" ce#te & $o#t !re9entte l !lt" de !o#e#ori de '&n" credin+"%
Cecul pltibil #n cont. Tr"*"tor&l- c ;i !o#e#or&l &n&i cec- !ote inter9ice !lt 6n
n&7err- 6n#er8nd trn#ver#l !e $+ cec&l&i c&vintele N!l"ti'il 6n contL- Nn&7i !entr&
vir7entL #& lt" eC!re#ie ec)ivlent"%
c. +n #uncie !e prile angajate *n !erulare- cec&rile #e !ot cl#i$ic 6n:
Cecuri personale
Cec&l !er#onl e#te cec&l tr# de o !er#on" $i9ic" #& B&ridic" 3tr"*"tor5 #&!r &nei '"nci
3tr#5 6n $vore &nei lte !er#one $i9iceQ B&ridice 3'ene$icir5 4 tr"*"tor&l $iind tit&lr&l
&n&i cont !er#onl%
Cecuri bancare
Cec&l 'ncr e#te cec&l tr# de o 'nc"- din ordin&l &n&i ter+- #&!r # #& #&!r &nei lte
'"nci- 6n $vore &nei !er#one $i9iceQ B&ridice indict" de ordontor%
!. +n #uncie !e momentul plii ctre bene#iciar- cec&rile !ot $i:
i5 Cecuri ce se pltesc la prezentare :
- Cec&rile de c"l"torie 4 #e !l"te#c l *)i;eele '"ncii 3c& eCce!+i c9&l&i c8nd #&nt cedte
&nei lte !er#one5
ii5 Cecuri cu plata ulterioar- d&!" 6nc#re ce#tor de l 'nc !l"titore :
- cec&rile !er#onle- cec&rile 'ncreO
- cec&rile de c"l"torie cedte &nei lte !er#one ;i l c"rei n&7e tre'&ie 6n#cri# !e cec l
r&'ric N!G t)i# c)e_&e to t)e order o$LO
- cec&rile 7oneG order 4 #&nt cec&ri cre & 7en+iont !e ele Ninterntionl 7oneG orderL
#& N7oneG orderL% C orice cec re #erie- dt" de e7itere- n&7e 'ene$icir- #&7 6n
ci$re ;i litere% Tote cec&rile 7oneG order & li7it" de #&7" cre n& !ote $i de!";it"%
- cec&rile *&vern7entle 3e7i#e de &torit"+ile cndiene5 4 ce#te cec&ri & c ele7ent
de #i*&rn+" 6n col+&l din #t8n* #&# c #i*l" o $r&n9" de r+r de c&lore ro;ie- 6ncdrt"
de do&" dre!t&n*)i&ri de c&lore ro;ie% I7edit l8n*" #i*l" e#te #cri#- 6n li7' en*le9" ;i
$rnce9" N(overn7ent o$ CndL% Pe ver#o cec&l&i !re 7en+i&ne N(overn7ent o$
CndL%
- cec&rile de tre9orerie M 3e7i#e de Tre9oreri SUA5: cec&ri ce & co!erire tre9oreriei
SUA ;i & i7!ri7te c&vintele KUnited Stte# Tre#&rGL%
)che'a *e circulaie
3.%.%. Ca'bia .i biletul la or*in
C7'i ;i 'ilet&l l ordin #&nt titl&ri de credit ne*oci'ile ;i in#tr&7ente de !lt" cre
con#tt" o'li*+i #&7t" de c"tre de'itor de !l"ti l vedere #& c& o #cden+" $iCt-
'ene$icir&l&i #& l ordin&l ce#t&i- o #&7" de 'ni deter7int"- l loc&l r"tt%
Cambia e#te &n titl& de credit #&' #e7n"t&r" !rivt"- l ordin- cre !&ne 6n le*"t&r"
6n !roce#&l cre"rii #le trei !er#one : tr"*"tor&l- tr#&l ;i 'ene$icir&l% Titl&l e#te cret de
tr"*"tor 6n clitte de creditor cre d" ordin de'itor&l&i #"&- n&7it tr#- #" !l"te#c" o #&7"
$iCt l o dt deter7int in ti7!- $ie &n&i 'ene$icir- cre e#te creditor l tr#&l&i- $ie l
ordin&l ce#t&i din &r7"%
S%C% KATLASL
4 Tr"*"tor 4
S%C% KSTARL
4 Bene$icir4
BANCA Y
4 Tr#4
BANCA E
4 Bnc
'ene$icir&l&i 4
, <nc)eie contrct&l de v8n9re4c&7!"rre
: Re7ite cec&l tr# #&!r '"ncii
? Se #tin*e cren+
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> Pre9int" cec&l l !lt"
? Ac)it" cec&l
+iletul la or"in e#te &n titl& de credit- #&' #e7n"t&r" !rivt"- cre !&ne 6n le*"t&r"
6n !roce#&l cre"rii #le do&" !er#one: #&'#criitor&l #& e7itent&l ;i 'ene$icir&l% Titl&l e#te
cret de #&'#criitor #& e7itent 6n clitte de de'itor cre #e o'li*" #" !l"te#c" o #&7" de
'ni deter7int- l &n n&7it ter7en #& l !re9entre &nei lte !er#one den&7it"
'ene$icir- cre re clitte de creditor%
C7'i #i 'ilet&l l ordin #&nt titl&ri de credit $or7le cre !entr& $i vl'ile-
tre'&ie #" #ti#$c" n&7ite condi+ii eC!ri7te 6n $or7&le con#crte de redctre teCt&l&i
cre eC!ri7" cl&9e c& vlore B&ridic #trict"%
In cazul cambiei:

Tr"*"tor&l- 6n clitte de creditor in r!ort&l co7ercil- d" ordin de'itor&l&i #"& 3din
r!ort&l co7ercil 7en+iont5 #" !l"te#c" o #&7" deter7int l #cdent%
Tr#&l- 6n clitte de de'itor l tr"*"tor&l&i- !ri7e;te ordin&l de !l"ti%
Bene$icir&l e#te !er#on 6n $vore c"rei #& l ordin&l c"rei re loc !lt 3;i
cre e#te creditor l tr"*"tor&l&i 6ntr4&n lt r!ort co7ercil dec8t cel dintre tr"*"tor ;i tr#-
dr cre !re#&!&ne cee;i #&7 de !lt5%
In cazul biletului la or"in:
S&'#criitor&l 3e7itent&l5- 6n clitte de de'itor 3l e7itent&l&i in r!ort&l co7ercil5-
#e o'li*" #" !l"te#c" o #&7 de 'ni deter7int- l &n n&7it ter7en #& l !re9entre%
Bene$icir&l- 6n clitte de creditor- e#te !er#on 6n $vore c"rei #& l ordin&l c"rei re
loc !lt%
C&+I re rol de in#tr&7ent de !lt" ;i in#tr&7ent de credit% <n clitte # de
in#tr&7ent de !lt"- c7'i !ote $i &tili9t" !entr& #tin*ere &nei o'li*+ii de !lt" 6n
n&7err- !&t8nd $i &;or trn#7i#" !rin *ir%
Avantajele &nei !l"+i !rin c7'ieQ'ilet l ordin dec&r* din :
i5 certit&dine cren+ei- o$erit" de cce!tre c7'iei de c"tre tr# O
ii5 ino!o9'ilitte eCce!+iilor !e cre tr#&l le4r $i !&t&t o!&ne !o#e#orilor nteriori
i titl&l&i O
C7'i #i 'ilet&l l ordin tre'&ie #" 6nde!line#c" condi+iile de $or7" ;i de $ond
o'li*torii !rev"9&te de di#!o9i+iile le*le 6n vi*ore%
<n tote redct"rile- ce#te tre'&ie #" c&!rind" 7en+i&nile o'li*torii di#!&#e de le*e-
cre #" #ti#$c" cerin+ele &nei in$or7+ii #&$iciente- cerin+ele re$lect"rii o'li*+iilor
c7'ile #&7te de c"tre !"r+i !rin titl&l re#!ectiv- cerin+ele !roce#"rii !rin tr&nc)iere%
C7'i #i 'ilet&l l ordin tre'&ie #" $ie co7!lette 6n 6ntre*i7e c& cernel" #& !iC
de c&lore l'#tr" #& ne*r" ori !rin dctilo*r$iere% Men+i&nile 7n&#cri#e tre'&ie
co7!lette c& 7B&#c&le- c& eCce!+i #&7ei 6n litere !entr& cre e#te !o#i'il" co7!letre
c& litere 7ici- $"r" de!";i li7itele #!tiilor de#tinte $iec"rei 7en+i&ni 6n#cri#e !e
re#!ectivele doc&7ente%
4n cazul cambiei:
% Den&7ire de c7'ie trec&t" 6n 6n#&;i teCt&l titl&l&i ;i eC!ri7t" 6n li7' $olo#it"
!entr& redctre titl&l&i% Den&7ire de c7'ie tre'&ie #" $i*&re9e 6n teCt&l ordin&l&i de
!l"ti- dt !rin inter7edi&l c7'iei- &tili98nd $or7&l con#crt" K!l"ti+i 6n #c)i7'&l
ce#tei c7'iiK%
'% Ordin&l necondi+iont de !l"ti o #&7" deter7int" 3!rin c&nt&7 #i 7oned de !lt5-
eC!ri7t clr ;i !reci# ;i cre e#te &n ordin de !l"ti !&r ;i #i7!l& re$lect8nd o o'li*+ie
cre n& e#te $ectt" 6n nici &n $el de condi+iile #ti!&lte !rin 7en+i&nile din teCt&l
c7'iei- $ie ele o'li*torii #& $c&lttive 3ter7en- event&le indic+ii #&!r
!rovi9ion&l&i #& de!o9it&l&i c7'iei- etc%5%
c% N&7ele cel&i cre tre'&ie #" !l"te#c" 3tr#&l5- indict !rin n&7ele ;i !ren&7ele
!er#onei $i9ice ; c&7 #e $l" 6n#cri# 6n ct&l de identitte #& den&7ire !er#onei
B&ridice ; c&7 #e $l" 6n#cri#" 6n Re*i#tr&l Co7er+&l&i% Li!# ce#tei 7enti&ni d&ce l
n&litte c7'iei%
d% Scden+% C7'i $"r" 7en+i&ne #cden+ei e#te #ocotit" !l"ti'il" l vedere%
e% Loc&l !l"+ii% Dc n& e#te indict- #e con#ider c loc l !l"tii%
do7icili&lQ#edi&l tr#&l&i%
$% N&7ele 'ene$icir&l&i #& !o#e#or&l&i le*l%
*% Dt ;i loc&l e7iterii%
)% Se7n"t&r cel&i cre e7ite c7'i 3tr"*"tor&l5- cre tre'&ie #" $ie olo*r$- 7n&#cri#"
;i redctt" c& !iC&l #& c& cernel" ne*r" #& l'#tr"- l #$8r;it&l teCt&l&i c7'iei- in
#!+i&l de#tint ce#tei% Pe titl&rile c7'ile #e7n"t&r re!re9entnt&l&i &tori9t l
!er#onei B&ridice i7!licte in ln+&l c7'il- eCec&tt 6n condi+iile !rev"9&te de
Nor7 cdr& BNR- n& v $i 6n#o+it" de ;t7!il !er#onei B&ridice% Li!# #e7n"t&rii
tr"*"tor&l&i- re#!ectiv re!re9entnt&l&i &tori9t l tr"*"tor&l&i !er#on" B&ridic" tr*e
n&litte titl&l&i%
Orice #e7n"t&r" &nei c7'ii tre'&ie #" c&!rind":
4 Pentr& clien+ii !er#one $i9ice 4 6n clr- n&7ele ;i !ren&7ele !er#onei $i9ice ir
!entr& clien+ii !er#one B&ridice M in clr den&7ire !er#onei B&ridice ori
entit"+ii cre #e o'li*" %
4 Pentr& clien+ii !er#one $i9ice 4 #e7n"t&r olo*r$" !er#onei $i9ice- ir !entr&
clien+ii !er#one B&ridice #e7n"t&r olo*r$ re!re9entn+ilor le*li #&
67!&ternici+ilor !er#onelor B&ridice cre #e o'li*" ori re!re9entn+ilor #&
67!&ternici+ilor ltor cte*orii de entit"+i cre &tili9e9" #t$el de in#tr&7ente.
N&7ele ;i !ren&7ele !er#onei $i9ice tre'&ie #cri#e ; c&7 #e $l" ce#te 6n#cri#e
6n ct&l de identitte ir den&7ire !er#onei B&ridice- ; c&7 #e $l" ce#t 6n#cri#" 6n
Re*i#tr&l Co7er+&l&i%
S&7 de !lt" v $i trec&t" !e $+ 3recto5 c7'iei- $"r" de!";i li7itele #!+i&l&i
#!ecil loct teCt&l&i ce#tei- dr n& 6n di*onl" #& #&' #e7n"t&r tr"*"tor&l&i- c&
condi+i c 6ntre ce#t" #&7" ;i declr+i c7'il" #" !ot" $i #t'ilit" o le*"t&r"%
Pentr& $i evitt ri#c&l $l#i$ic"rii- ce#t tre'&ie indict" t8t 6n ci$re c8t ;i 6n litere%
In c9&l o!er+i&nilor c& c7'ii #i 'ilete l ordin in RON- dc eCi#t deo#e'iri intre #&7
#cri# in ci$re #i ce #cri# in litere #&7 de !lt v $i con#idert #&7 in litere% In c9&l in
cre #&7 de !lt e#te 6n#cri# de 7i 7&lte ori !e $t c7'iei $ie in ci$re $ie in litere-
#&7 de !lt v $i con#idert" #&7 ce 7i 7ic"%
<ntr4o c7'ie !l"ti'il" l vedere #& l &n n&7e ti7! de l vedere- tr"*"tor&l !ote
#ti!&l c" #&7 v $i !rod&c"tore de do'8nd"% Ci$r do'8n9ii tre'&ie #" $ie 7en+iont" 6n
c7'ie- 6n c9 contrr- ce#t #e con#ider" ne#cri#"% Men+i&ne eC!re#" !rivind do'8nd
tre'&ie #" con+in":
i% eC!re#i K#&7 e#te !&rt"tore de do'8nd"KO
ii% rt do'8n9iiO
iii% dt de l cre 6nce!e #" c&r*" do'8nd- ir 6n c9&l 6n cre ce#t n& e#te
7en+iont"- do'8nd c&r*e de l dt e7iterii titl&l&i%
C7'i cre c&!rinde n&7i #e7n"t&r tr"*"tor&l&i !ort" n&7ele de c7'ie 6n l'%
Men+i&nile cre li!#e#c tre'&ie co7!lette 6n 7o7ent&l 6n cre !o#e#or&l !re9int" titl&l l
!lt"- #& 6l re7ite &nei in#tit&+ii de credit 6n #co!&l !re9ent"rii l !lt- con$or7
6n+ele*erilor cre & v&t loc nterior 6ntre #e7ntrii titl&l&i- $"r" 7i $i nece#r"
interven+i tr"*"tor&l&i% E#te o'li*tori& c o c7'ie 6n l' #" i'" co7!lett n&7ele
&lti7&l&i !o#e#or 6n 7o7ent&l !l"+ii% Co7!letre &nei c7'ii 6n l' tre'&ie #" i'" loc 6n
cel 7&lt . ni de l dt rel" e7iterii c7'iei%
Co7!letre c7'iei 6n l' #e v !&te $ce 6n orice 7o7ent- 6n#" nterior
!re9ent"rii ce#tei l !lt" #& re7iterii c"tre o in#tit&+ie de credit 6n #co!&l !re9ent"rii l
!lt" ;i dre#"rii !rote#t&l&i 6n c9&l re$&9&l&i !l"+ii% Unit"+ile Ri$$ei#en Bn2 n& vor !ri7i
6n vedere !re9ent"rii l !lt c7'ii c"ror le li!#e#c 7en+i&nile o'li*torii- incl&#iv 6n
c9&l c7'iilor cre & $o#t e7i#e 6n l'%
+iletul la or"in trebuie s conin2 sub sanciunea nulitii2 urmtoarele
meniuni:
% den&7ire de N'ilet l ordinL- trec&t" 6n 6n#&;i teCt&l titl&l&i ;i eC!ri7t" 6n li7'
6ntre'&in+t" !entr& redctre ce#t&i titl&O
'% !ro7i#i&ne necondi+iont" de !l"ti o #&7" de 'ni deter7int" O
c% #cden+ !l"+ii 36n li!# #cden+ei- 'ilet&l l ordin e#te #ocotit !l"ti'il l vedere5 O
d% loc&l !l"+ii 36n li!# &nei r"t"ri #!ecile- loc&l e7i#i&nii e#te #ocotit loc&l !l"+ii5O
e% n&7ele cel&i c"r&i i #e v !l"ti 3#& l ordin&l c"r&i #e v !l"ti5 O
$% dt ;i loc&l e7iterii 36n li!# r"t"rii loc&l&i- 'ilet&l l ordin #e #ocote;te e7i# 6n
loc&l r"tt l8n*" n&7ele e7itent&l&i5 O
*% #e7n"t&r e7itent&l&i.
,mitentul unui bilet la or!in este inut obligat *n acela-i mo! ca acceptantul unei cambii.
'iletului la or!in i se aplic. *n msura *n care nu sunt incompatibile cu natura acestui
titlu. !ispo"iiile relative la cambie. cu e/cepia celor re#eritoare la acceptare.
C7'i- c)ir dc" n& $o#t eC!re# tr#" l ordin- e#te trn#7i#i'il" !rin *ir% Dc"
tr"*"tor&l #cri# 6n 4 c7'ie c&vintele Kn& l ordinK- titl&l e#te trn#7i#i'il n&7i 6n $or7
;i c& e$ect&l &nei ce#i&ni de cren+" ordinre%
Cesiunea "e crean e#te &n 7iBloc de trn#7itere o'li*+iilor con#t8nd 6n cord&l
de voin+" 3contrct&l5 !rin cre creditor&l n&7it cedent trn#7ite 6n 7od vol&ntr- c& titl&
onero# #& c& titl& *rt&it- dre!t&l #"& de cren+" &nei lte !er#one n&7it" ce#ionr- cre v
deveni #t$el creditor 6n loc&l #"& ;i cre v !&te 6nc# de l de'itor cren+ cedt"% Pentr&
$i o!o9'il ter+ilor 3in #!ecil creditori i cedent&l&i5- ce#i&ne tre'&ie # $ie noti$ict
de'itor&l&i !rin eCec&tor B&dec"tore#c #& cce!tt de ce#t in $or7 &tentic%
7irul e#te &n ct !rin cre !o#e#or&l titl&l&i- n&7it *irnt- trn#$er" ltei !er#one
n&7it" *irtr- !rintr4o declr+ie #cri#" ;i #e7nt !e titl&- odt" c& !redre ce#t&i- tote
dre!t&rile dec&r*8nd din titl&l #t$el redctt ;i co7!lett%
(ir&l !ote $i $"c&t c)ir ;i 6n $vore tr#&l&i- indi$erent dc" cce!tt #& n&- l
tr"*"tor&l&i #& l oric&i lt o'li*t- ce;ti !&t8nd #" *ire9e din no& c7'i% (ir&l tre'&ie
#cri# !e c7'ie #i tre'&ie #" $ie #e7nt de *irnt%
(ir&l e#te vl'il c)ir dc" 'ene$icir&l n& e#te 7en+iont #& *irnt&l !&# n&7i
#e7n"t&r 3*ir 6n l'5% <n ce#t din &r7" c9- *ir&l !entr& $i vl'il tre'&ie #" $ie #cri# !e
c7'ie.
<n c9&l o!er+i&nilor c& c7'ii ;i 'ilete l ordin in RON 7en+i&nile !rivind
circ&l+i c7'iei !rin *ir #e $c !e $+ c7'iei% <n cdr&l eC!ri7"rii #cri#e !rivind
o!er+i&nile de circ&l+ie c7'iei !rin *ir #e v $olo#i eCcl&#iv no+i&ne de I*irreI%
(ir&l tre'&ie #" $ie necondi+iont ;i #" n& $ie !r+il% (ir&l !ote $i K6n !linK #& K6n l'K%
7irul D#n plinE !re#&!&ne declr+i *irnt&l&i #e7nt" ;i dtt" de el- c&!rin98nd
ordin&l dre#t de'itor&l&i !rinci!l- de !l"ti &nei n&7e !er#one indict" de *irnt% (ir&l
N6n !linK tre'&ie #" c&!rind" &r7"torele ele7ente :
4 #e7n"t&r *irnt&l&i n&7ele *irtr&l&i
4 dt *ir"rii
(ir&l N6n !linK tre'&ie #" c&!rind" 6n $r" de #e7n"t&r" ;i lte 7en+i&ni- !entr&
!&te $i deo#e'it de oricre lt" o!er+i&ne c7'il"%
7irul D#n albF re cele;i e$ecte c ;i *ir&l N6n !linK- #i e#te $or7t din #e7n"t&r
*irnt&l&i 6n#cri#" !e $+ c7'iei- 6n#o+it" de 7en+i&ne I*irtI- I*irreI% N& e#te !er7i#"
6n#criere *ir&l&i I6n l'I !e c7'ie $"r" $i 6n#o+it" de o #e7ene 7en+i&ne deorece
ce#t *ir #4r !&te con$&nd c& cce!tre #& vli9re%L
(ir&l N6n l'K !er7ite !o#e#or&l&i c7'iei #" o trn#7it" $"r" l& #&!r # vreo
r"#!&ndere c7'il"- deorece n&7ele #& n& $i*&re9" !e titl&% (ir&l in l' !er7ite dre
6n *B c7'iei ;i #cotere ei din *B 7i 6ninte de #cden+"- #contre c7'iei%
Trn#7itere c7'iei !rin *ir re c e$ect trn#7itere c"tre *irtr t&t&ror
dre!t&rilor i9vor8nd din titl&- 6n 7od &tono7- de'itor&l c7'il ne!&t8nd o!&ne *irtr&l&i
eCce!+iile !er#onle !e cre le4r !&te ridic contr *irnt&l&i% Trn#7itere c7'iei !rin
*ir n& i7!lic" ;i trn#7itere r!ort&rilor 7terile cre & dt n;tere r!ort&rilor
c7'ile- incl&#iv r!ort&rilor 6ntre tr"*"tor ;i tr# ce dec&r* din r!ort&l co7ercil
$&nd7entl ;i r!ort&rilor dintre *irn+i ;i ceill+i #e7ntri i c7'iei- deorece
doc&7ent&l cre con#tt" o'li*+iile c7'ile n& c&!rinde ;i ce#te r!ort&ri%
(irnt&l r"#!&nde $+" de *irtr ;i $+" de !o#e#orii titl&l&i !entr& cce!tre ;i !lt
titl&l&i 6n c9 de ne!lt" l #cden+"% (irn+ii #&nt o'li*+i #olidr !entr& !lt l #cden+"-
!o#e#or&l titl&l&i !&t8nd&4#e 6ndre!t !e cle de re*re# contr oric"r&i dintre *irn+i 6n c9
de ne!lt" din !rte o'li*t&l&i !rinci!l 3tr#&l cce!tnt5%
(irnt&l #e !ote eli'er de *rn+i de cce!tre ;i !lt" $+" de !ri7&l *irtr ;i $+"
de ceill+i *irtri- dc" 6n teCt&l *ir&l&i in#ere9" cl&9 N$"r" r"#!&ndereK- N$"r"
o'li*oL #& N$"r" *rn+ieL% <n !ri7&l c9 *irnt&l r"#!&nde n&7i dc" !lt n& e#te
e$ect&t l #cden+" ir 6n l doile c9- *irnt&l e#te eConert de r"#!&ndere 6n c9&l
cce!t"rii c7'iei%
Po#e#or&l &nei c7'ii c& o #t$el de cl&9" n& v !&te eCec&t c+i&ne de re*re#
contr *irnt&l&i !entr& !lt titl&l&i% De #e7ene- *irnt&l !ote inter9ice &n no& *ir- ce#t
l&cr& 6n#e7n8nd c" el n& r"#!&nde $+" de !er#onele c"ror c7'i $o#t *irt" &lterior%
De+in"tor&l &nei c7'ii !ote $i con#idert !o#e#or le*iti7- dc" !ote B&#ti$ic dre!t&l #"&
!rintr4o #erie ne6ntrer&!t" de *ir&ri- c)ir dc" &lti7&l *ir e#te 6n l'%
(ir&l cre c&!rinde &n din 7en+i&nile Nvlore !entr& co!erireL- N!entr& !roc&r"L-
7en+i&ni cre i7!lic" &n #i7!l& 7ndt- d" dre!t&l *irtor&l&i de 6nc# #&7 6n#cri#" 6n
c7'ie- 6n clitte de 7ndtr #& re!re9entnt l *irnt&l&i- dr n& d" dre!t&l de
trn#7ite c7'i !rin *ir &nei lte !er#one- dec8t c& titl&l de !roc&r"%
C7'i !ote $i dt" 6n *rn+ie !entr& #i*&rre &nei lte cren+e !e cre *irtr&l o
re contr *irnt&l&i% <n ce#t c9- *ir&l tre'&ie #" c&!rind" 7en+i&ne Nvlore 6n *rn+ieL-
Ivlore 6n *BL #& orice lt" 7en+i&ne cre i7!lic" &n *B%
Po#e#or&l c7'iei 6n '9 &n&i *ir 6n *rn+ie !ote eCercit tote dre!t&rile cre
i9vor"#c din titl&- c)ir ;i t&nci c8nd cren+ *rntt" !rin *B n& e#te eCi*i'il" ;i d"
dre!t&l *irnt&l&i de #e de#!"*&'i c& !re$erin+" din #&7 6nc#t" 6n '9 titl&l&i- $+" de
ce ceill+i creditori i de'itor&l&i *irnt%
Prezentarea la plata:
C7'i tre'&ie #" $ie !re9entt" #!re !lt" l loc&l ;i dre# indict" 6n c7'ie% <n
li!# !re9ent"rii &nei dre#e c7'i #e !ote !re9ent l !lt":
i5 l do7icili&l tr#&l&i #& l !er#onei indicte 6n c7'ie #" !l"te#c" !entr& elO
ii5 l do7icili&l cce!tnt&l&i !rin interven+i&ne #& l !er#onei de#e7nt" 6n
c7'ie #" !l"te#c" !entr& ce#tO
iii5 l do7icili&l cel&i indict l nevoie%
Pre9entre l !lt" c7'iei #i 'ilet&l&i l ordin in RON #e !ote $ce 6n ori*inl
#& !rin tr&nc)iere% Tr&nc)iere #e e$ect&e9" !rin !roced&r in$or7tic #i con#t" 6n
&r7"torele o!er+i&ni #&cce#ive:
4 trn#!&nere 6n $or7t electronic in$or7+iilor relevnte de !e doc&7ent&l ori*inl
4 re!rod&cere i7*inii titl&l&i ori*inl 6n $or7t electronic
4 trn#7itere in$or7+iei electronice c"tre in#tit&+i de credit !l"titor&l&i%
Pot $i !roce#te !rin tr&nc)iere n&7i c7'iile cce!tte de c"tre tr# !entr& 6ntre*
#&7 6n#cri#" !e c7'ie%
Pre9entre l !lt" &nei c7'ii Q 'ilet l ordin !rin tr&nc)iere re cele;i e$ecte
B&ridice c ;i !re9entre l !lt" doc&7ent&l&i ori*inl- c& condi+i c ce#t din &r7 #
$i $o#t e7i# c& re#!ectre !revederilor le*ii% Trn#7itere in$or7+iilor relevnte ;i
i7*inii c7'iei Q 'ilet l ordin c"tre in#tit&+i de credit !l"titore tre'&ie e$ect&t #t$el
6nc8t #" #e #i*&re &tenticitte ;i inte*ritte ce#tor- con$or7 !rocedeelor te)nice
d7i#e de le*e%
Plata cambiei :
C7'i c& #cden+" la o dat fix #& la un anumit termen de la data emiterii #& de
la vedere tre'&ie #" $ie !re9entt" l !lt" 6n 9i& #cden+ei #& 6n cele do&" 9ile l&cr"tore
&r7"tore%
C7'i c& #cden+" la vedere e#te !l"ti'il" l !re9entre- dr n& 7i t8r9i& de &n n
de l dt e7iterii% Tr"*"tor&l !ote #ti!&l c" o c7'ie !l"ti'il" l vedere n& tre'&ie #" $ie
!re9entt" #!re !lt" 6ninte &nei n&7ite dte% <n ce#t c9 ter7en&l de !re9entre c&r*e
de l ce#t" dt"%
C7'i c& #cden+" 6n l' e#te !l"ti'il" l vedere% Po#e#or&l c7'iei n& !ote re$&9
o !lt" !r+il"% De'itor&l cre $"c&t o !lt" !r+il" n& !ote !retinde #" i #e re7it"
c7'i c)itt" ;i c)itn+ eli'ert" c"tre el 6n ce#t #en# 3c7'i c)itn+t"5- c"ci titl&l e#te
nece#r !o#e#or&l&i !entr& re#t&l #&7ei ne!l"tite%
Po#e#or&l c"r&i i #4 $"c&t o !lt" !r+il" !ote #" eli'ere9e de'itor&l&i o c)itn+"
#e!rt" !entr& !lt $"c&t"- $"c8nd 6n cel;i ti7! o 7en+i&ne de#!re ce#t ;i !e c7'ie-
!entr& #e !&te vede c" e n& 7i e#te vl'il" dec8t !entr& re#t&l #&7ei% Tr#&l cre
!l"te;te 6ninte de #cden+" o $ce !e ri#c&l #"&%
Po#e#or&l &nei c7'ii !l"ti'ile l o 9i $iC" #& l &n n&7e ter7en de l dt e7iterii
#& de l vedere- tre'&ie #" o !re9inte l !lt $ie 6n 9i& 6n cre e e#te !l"ti'il"- $ie 6n &n
din cele do&" 9ile l&cr"tore cre &r7e9"% Tr#&l cre !l"te;te c7'i !ote cere #" 6i $ie
6n!oit" c& 7en+i&ne de c)itre #cri#" de c"tre !o#e#or #& 6n c9 de !lt" !r+il" el
!ote cere #" i #e $c" ce#t" 7en+i&ne !e c7'ie ;i #" i #e eli'ere9e o c)itn+"%
Plt !ote $i e$ect&t" ;i 6ninte de #cden+" dr tr#&l cre !l"te;te o $ce !e ri#c&l
#"&%
Pe orice c7'ie Q 'ilet l ordin e#te o'li*torie 6n#criere #&7ei de !lt #i 7onedei
in cre &r7e9" # #e e$ect&e9e !lt% De re*&l"- c7'i Q 'ilet&l l ordin tre'&ie # $ie
!l"tite 6n 7oned loc&l&i !l"+ii- re#!ectiv RON !entr& cele !l"ti'ile 6n Ro78ni%
Dc" 7oned 6n cre $o#t e7i#" c7'i e#te lt dec8t 7oned n+ionl" dr e#te
cott" l Bnc N+ionl" Ro78niei ;i !lt #e dore;te $i e$ect&t" 6n lei- !lt #e v
e$ect& l c&r#&l de #c)i7' clc&lt de Bnc N+ionl" Ro78niei din 9i& !re9ent"rii l
!lt" c7'iei% Se con#tt" !rintr4&n protest de neacceptare/neplata! d8nd n;tere dre!t&l&i
de re*re# l !o#e#or&l&i 67!otriv *irn+ilor- tr"*"tor&l&i ;i celorll+i o'li*+i c7'ili-
c)ir 6ninte de #cden+"% Prote#t&l de necce!tre #c&te;te de !re9entre l !lt" ;i de
!rote#t&l de ne!lt"% El tre'&ie 6ntoc7it de c"tre notr #& eCec&tor&l B&dec"tore#c- 6ninte
de eC!irre ter7en&l&i !rev"9&t !entr& !re9entre l cce!tre%
Re$&9&l de cce!tre #& !lt" l tr#&l&i tre'&ie con#ttt !rintr4&n protest de
neacceptare/protest de neplat- 6n ter7en&l le*l- re#!ectiv 6n cele do&" 9ile l&cr"tore cre
&r7e9" 9ilei 6n cre c7'i e#te !l"ti'il"% Nere#!ectre ter7en&l&i d&ce l dec"dere
!o#e#or&l&i din dre!t&l de re*re#% Prote#t&l tre'&ie redctt de c"tre notr #& eCec&tor
B&dec"tore#c%
Re$&9&l tr#&l&i de !l"ti- c ;i eCi*i'ilitte c7'iei 6ninte de #cden+"- trn#$or7"
o'li*+i de *rn+ie tr"*"tor&l&i- *irnt&l&i #& vli#t&l&i 3colo &nde e#te c9&l5 6n
o'li*+ie de !lt" 3v8nd 6n vedere $!t&l c" tr"*"tor&l- *irn+ii ;i event&lii vli;ti
*rnte9" cce!tre ;i !lt c7'iei de c"tre tr#5%
Po#e#or&l c7'iei e#te 6ndre!t"+it 6n ce#te condi+ii #" c+ione9e 67!otriv ce#tor%
Prote#t&l e#te ct&l !rin cre eCec&tor&l B&dec"tore#c #& notr&l con#tt in 7od !&'lic
re$&9&l de cce!tre #& de !lt c7'iei- din !rte o'li*t&l&i !rinci!l%
3.%.+. Or*inul *e plat
Ordin&l de !lt" e#te o di#!o9i+ie necondi+iont"- dt" de c"tre e7itent&l ce#tei
&nei #ociet"+i 'ncre rece!tore de !&ne l di#!o9i+i &n&i 'ene$icir o n&7it" #&7" de
'ni l o n&7it" dt"%
O #t$el de di#!o9i+ie e#te con#idert" $i ordin de !lt" dc":
#ociette 'ncr" rece!tore intr" 6n !o#e#i #&7ei re#!ective $ie !rin de'itre
&n&i cont l e7itent&l&i- $ie !rin 6nc#re ei de l e7itent- ;i
n& !revede c !lt tre'&ie #" $ie $"c&t" l cerere 'ene$icir&l&i%
Pe Kdr&7&lL !rc&r# de ordin&l de !lt" de l !l"titor l 'ene$icir #e !ot inter!&ne
7i 7&lte #ociet"+i 'ncre- ce#te e$ect&8nd #&cce#iv o!er+i&ni de rece!+ie- &tenti$icre-
cce!tre ;i eCec&tre ordin&l&i de !lt"% Tot" ce#t" #erie de o!er+i&ni !ort"
den&7ire de trn#$er4credit%
Ordin&l de !lt" !ote $i e7i# !e #&!ort cl#ic3)8rtie5 #& !e #&!ort&ri
neconven+ionle37*netic -electronic5%
Participanii

Prtici!n+ii 6ntr4&n trn#$er4credit #&nt &r7"torii:
e7itent&l3non4'ncr #& 'ncr5 e#te !er#on cre e7ite &n ordin de !lt" !e
cont !ro!ri&O
!l"titor&l3client l #ociet"+ii 'ncre ini+itore #& 6n#";i #ociette 'ncr"
ini+itore5 #& !ri7&l e7itentO
'ene$icir&l3client l #ociet"+ii 'ncre de#tintre #& 6n#";i #ociette 'ncr"
de#tintr"5O
#ociette 'ncr" ini+itore e#te !ri7 #ociette 'ncr" e7itent &n&i ordin
de !lt"O
#ociette 'ncr" de#tintr" e#te &lti7 #ociette 'ncr" din ln+&l
trn#$er&l&i4credit- ce cre rece!+ione9" ;i cce!t" ordin&l de !lt" !entr& !&ne l
di#!o9i+i 'ene$icir&l&i #&7 de 'ni 6n#cri#" 6n ce#t%
1peraiuni
<n vedere d&cerii l 6nde!linire di#!o9i+iei !l"titor&l&i eC!ri7t" !rin e7itere
ordin&l&i de !lt"- #ociet"+ile 'ncre !rtici!nte 6n cdr&l trn#$er&l&i4credit re#!ectiv-
tre'&ie #" e$ect&e9e in ordine &r7"torele o!er+i&ni:
rece!+i M !roced&r de rec&no;tere !ri7irii ordin&l&i de !lt"O
&tenti$icre M !roced&r !rin cre #e deter7in" c" ordin&l de !lt" $o#t e7i#
de !er#on indict" c e7itent !e ordin&l de !lt"O
cce!tre M !roced&r !rin cre #e rec&no;te c vl'il &n ordin de !lt"
rece!+iont- #&
- re$&9&l M !roced&r &tili9t" 6n c9&l 6n cre o #ociette 'ncr" rece!tore
decide c" n& e#te !o#i'il #" eCec&te &n ordin de !lt" dt de &n e7itent #& c" eCec&tre r
deter7in co#t&ri eCce#ive ori 6nt8r9ieri 6n $inli9re trn#$er&l&i4creditO
eCec&tre M !roced&r de e7itere &n&i ordin de !lt" cce!tt nterior%
>repturile i obligaiile participanilor
Der&lre &n&i trn#$er4credit #e de#$";or" !e '9 &nor !rinci!ii de !roced&r" din
cre dec&r* o'li*+ii- re#!ectiv dre!t&ri !entr& contr!rtid"- ri*&ro# #t'ilite le
!rtici!n+ilor:
e7itent&l re o'li*+ii 6n le*"t&r" c&:
- e7itere ordin&l&i de !lt"O
- !lt !entr& ordin&l de !lt" e7i#%
!l"titor&l M o'li*+i !l+ii #!e9elor 'ncre $erente !roce#"rii ordin&l&i de !lt"%
#ociette 'ncr" ini+itore re o'li*+ii !rivind:
- ret&rnre #&7ei 6n c9 de ne$inli9re trn#$er&l&i4creditO
- !lt do'8n9ilor de 6nt8r9iere36n #it&+i 6n cre 6nt8r9iere !l"+ii i #e
dtore9"5
#ociette 'ncr" rece!tore re o'li*+ii !rivind:
- rece!+iO
- &tenti$icreO
- cce!tre #& re$&9&lO
- eCec&tre ordin&l&i de !lt" rece!+iont- incl&#iv intervl&l de ti7!
o'li*tori& 6n cre tre'&ie #" $c" ce#tO
- !lt do'8n9ii de 6nt8r9iere36n #it&+i 6n cre 6nt8r9iere !l"+ii i #e
dtore9"5%
#ociette 'ncr" de#tintr" re o'li*+ii re$eritore l:
- rece!+iO
- &tenti$icreO
- cce!tre #& re$&9&lO
- !&nere $ond&rilor l di#!o9i+i 'ene$icir&l&iO
- !lt do'8n9ii de 6nt8r9iere36n #it&+i 6n cre 6nt8r9iere !l"+ii i #e
dtore9"5%
Cap. /I. "ctivitatea bancar privin*
operaiunile cu nu'erar
4.1. Or$anizarea co'parti'entului *e tezaur .i casierie
<n reli9re &nei circ&l+ii '"ne;ti B&dicio#e- &n rol i7!ortnt 6l & &nit"+ile 'ncre
o!ertive- re#!ectiv co7!rti7entele de te9&r ;i c#ierie din cdr&l lor- !rin inter7edi&l
c"ror #e e$ect&e9" 6nc#"rile ;i !l"+ile 6n n&7err%
Co7!rti7ent&l te9&r ;i c#ierie e#te #t$el or*ni9t 6nc8t #" !ot" #" r"#!&nd"
cerin+elor i7!&#e de nece#itte #i*&r"rii circ&l+iei n&7err&l&i 6n 7od r+ionl ;i e$icient%
Potrivit ce#tor nece#it"+i 6n #tr&ct&r or*ni9toric" co7!rti7ent&l&i te9&r ;i
c#ierie #e 6nt8lne#c:
4 c#e o!ertive de: 6nc#"ri 6n lei- !l"+i 6n lei- o!er+i&ni de 6nc#"ri ;i !l"+i c&
7iBloce de !lt" 6n vl&t"- #c)i7' de 'ilete de 'nc" c& 7onede 7etlice- #c)i7' de 'ilete
deteriorte- v8n9re i7!ri7telor c& re*i7 #!ecil- certi$ictelor de de!o9it- c+i&nilor ;i
ltor )8rtii de vloreO
4 c#e de 6nc#"ri ;i !l"+iO
4 c#e #!ecileO
4 c#e !entr& !ri7ire diver#elor vlori de!&#e #!re !"#trre de de!onen+iO
4 c#e c& !ro*r7 !rel&n*itO
4 *r&!e de veri$icre n&7err&l&iO
4 c#e de 6nc#"ri 6n lei 7!l#te 6n $r #edi&l&i '"nciiO
4 c#e de #c)i7' vl&tr ;i lte o!er+i&ni vl&tre- 7!l#te 6n $r #edi&l&i '"ncii%
<n vedere or*ni9"rii de c#ierii !ro!rii- '"ncile co7ercile #&nt o'li*te #" #olicite
6n #cri#- #&c&r#lelor B"ncii N+ionle l cre 6;i & de#c)i#e cont&rile c&rente- !ro're de
$&nc+ionre c#ieriilor% <n &r7 control&l&i e$ect&t- !rivind re#!ectre c& #tricte+e
condi+iilor !rivind 7od&l de or*ni9re ;i $&nc+ionre co7!rti7ent&l&i de te9&r ;i
c#ierie- Bnc N+ionl" v e7ite &tori9+ie de $&nc+ionre co7!rti7ent&l&i de te9&r ;i
c#ierie ;i #t'ile;te !l$on&l c#ei de circ&l+ie%
Nece#r&l de n&7err !entr& '"ncile co7ercile #e #i*&r" de c"tre Bnc N+ionl"-
!e '9 *r$icelor de 6nc#"ri ;i !l"+i de!&#e l #&c&r#lele #le- de c"tre ce#te- c& cinci
9ile 6ninte de 6nce!ere l&nii%
ECcedent&l de n&7err !e#te !l$on&l #t'ilit c#elor de circ&l+ie le '"ncilor
co7ercile #e de!&ne l #&c&r#lele B"ncii N+ionle &nde ce#te 6;i & de#c)i# cont&l
c&rent- dc" ce#t n& e#te nece#r !entr& e$ect&re !l"+ilor 6n &r7"torele trei 9ile%
ECi#t" !o#i'ilitte- c& !ro're B"ncii N+ionle- redi#tri'&irii eCcedent&l&i de
n&7err 6ntre #ociet"+ile 'ncre- 6n cdr&l cel&i;i B&de+- c& o'li*tivitte c o!er+iile
re#!ective #" $ie eviden+ite 6n cee;i 9i 6n cont&rile c&rente de#c)i#e l #&c&r#l B"ncii
N+ionle%
Prin casele speciale #e !ot e$ect& o!er+i&ni c& 7etle !re+io#e cre #e re$er" l:
4 6nc#re 6n n&7err tCelor !entr& nli9 o'iectelor ;i 'iB&teriilor din 7etle
!re+io#eO
4 6nc#re 6n n&7err tCelor !entr& de!o9itre 7etlelor !re+io#e !rovenind de
l !er#one $i9ice #& B&ridiceO
4 !"#trre 7etlelor !re+io#e%
Societ"+ile 'ncre !ot or*ni9 case "e circulaie #n !alut. O!er+i&nile de
6nc#"ri ;i !l"+i 6n vl&te e$ective ;i lte 7iBloce de !lt" #tr"ine #e $c $olo#ind c
doc&7ent IC)itn+ vl&t"I !entr& 6nc#"ri ;i IOrdin de !lt" vl&t"I !entr& !l"+i%
Prin c#ele de circ&l+ie 6n vl&t" #e !ot e$ect&:
4 6nc#"ri ;i !l"+i 6n cont&rile c&rente vl&tre le !er#onelor $i9ice ;i B&ridiceO
4 o!er+i&ni de #c)i7' 6ntre vl&tele cotte de Bnc N+ionl" Ro78niei- !entr&
!er#onele $i9iceO
4 !l"+i 6n vl&t" de tCe- contri'&+ii ;i coti9+ii etc%
4 6nc#"ri ;i trn#$er&ri de cec&ri de c"l"torie ;i 'ncreO
4 ordine de !lt" ;i 7ndte !o;tle eCterne%
Casa "e sc(imb !alutar !ote c&7!"r 6n 7od li'er- contr lei- oricre din vl&tele
cotte de Bnc N+ionl" Ro78niei #&' $or7" de n&7err ;i cec&ri de c"l"torie de l
!er#onele $i9ice re9idente ;i nere9idente% Acee;i c#" de #c)i7' vl&tr !ote vinde vl&t"
#&' $or7" de n&7err n&7i !er#onelor $i9ice re9idente 6n Ro78ni cre #olicit" #c)i7'&l
vl&tr%
<n vedere #i*&r"rii #c)i7'&l&i de 'ilete de 'nc" &9te- !re9entte de c"tre clien+i-
c& 'ilete '&ne- !re#c)i7'"rii 'iletelor deteriorte !re9entte de c"tre !o!&l+ie ;i
#c)i7'&l&i de 'ilete de 'nc" c& 7onede 7etlice- &nit"+ile '"ncii !ot or*ni9 case de
schimb. Tot !rin c#ele de #c)i7' #e e$ect&e9" ;i v8n9re i7!ri7telor c& re*i7 #!ecil-
certi$ictelor de de!o9it- c+i&nilor ;i ltor )8rtii de vlore- cre #e reli9e9" 6n n&7err
#& !rin vir7ent%
4.%. Operaiuni cu nu'erar prin casierie
>efinitie:
O!er+i&nile c& n&7err der&lte !rin *)i;eelor o!ertive le c#ieriilor din re+e&
Rei$$ei#en Bn2 c&!rinde:
de!&neri de n&7err in lei ;i 6n vl&t" de c"tre !er#one $i9ice ;i B&ridiceO
retr*eri de n&7err 6n lei ;i 6n vl&t" de c"tre !er#one $i9ice ;i B&ridice%
Caracteristici:
@.>epuneri "e numerar #n lei
Prin *)i;eele c#ieriilor #e !ri7e;te n&7err4lei de l !er#one $i9ice ;i B&ridice%
Doc&7entele !e cre tre'&ie # le #olicite c#ierii clien+ilor cre de!&n n&7err4lei !rin
*)i;ee #&nt ctele de identitte:BI-CI #& !;!ort 3t8t !entr& !er#one $i9ice tit&lri de
cont- c8t #i !entr& !er#one $i9ice467!&ternici+i i !er#onelor B&ridice5%
<n c9&l de!&nerilor de n&7err c"ror vlore de!";e;te 0//// EUR #& ec)ivlent-
c#ier&l v re+ine l ctele 9ilei o co!ie ct&l&i de identitte !er#onei cre #e7nt
!entr& de!&nere ;i declr+i ce#t&i !rivind #&r# $ond&rilor%
Foi de v"r#"78nt e#te doc&7ent&l *enert de #i#te7&l in$or7tic !entr& 6nc#re
n&7err&l&i de l clien+ii '"ncii%Se e7ite 6n , eCe7!lre- n&7i d&!" introd&cere dtelor
6n #i#te7&l in$or7tic de c"tre c#ier%
De!&nerile de n&7err !rin *)i;eele '"ncii #e !ot $ce n&7i 6n ti7!&l !ro*r7&l&i
c& clien+ii- 6nre*i#trre 6n cont #&7elor e$ect&8nd&4#e d&!" veri$icre n&7err&l&i
de!&#%
:.>epuneri "e numerar #n !alut
Prin *)i;eele c#ieriilor #e !ri7e;te n&7err Mvl&t" de l !er#onele $i9ice ;i
B&ridice%
Doc&7entele #olicitte de c"tre 'nc clien+ilor cre de!&n !rin *)i;ee n&7err4
vl&t" #&nt :
!er#one $i9ice4 ct de identitte 3BI- CI #& !;!ort5O
!er#one B&ridice4 doc&7ente B&#ti$ictive con$or7 !revederilor Re*&l7ent&l&i
BNR !rivind e$ect&re o!er+i&nilor vl&tre c8nd e#te c9&l%
<n c9&l de!&nerilor de n&7err c"ror vlore de!";e;te 0//// EUR #& ec)ivlent-
c#ier&l v re+ine l ctele 9ilei o co!ie ct&l&i de identitte !er#onei cre #e7nt
!entr& de!&nere ;i declr+i ce#t&i !rivind #&r# $ond&rilor%
Foi de v"r#"78nt e#te doc&7ent&l *enert de #i#te7&l in$or7tic !entr& 6nc#re
n&7err&l&i de l clien+ii '"ncii% Se e7ite 6n do&" eCe7!lre- n&7i d&!" introd&cere
dtelor 6n #i#te7&l in$or7tic de c"tre c#ier% Se eli'ere9" client&l&i n&7i d&!" n&7"rre
'nilor ;i #e7nre doc&7ent&l&i de c"tre 7'ele !"r+i%

G.Retrageri "e numerar #n lei i #n !alut "e ctre persoane fizice
<n c9&l retr*erilor de n&7err 6n vl&t" 7i 7ici de 0/// EUR ;i retr*erilor de
n&7err 6n Lei 7i 7ici de .=// Lei- clien+ii !er#one $i9ice re9idente ;i nere9idente tit&lri
de cont ;i 67!&ternici+i #e !re9int" direct l c#ierie c& ct&l de identitte- $"r" 7i
co7!let NFor7&lr&l de Eli'erre N&7err Per#one Fi9iceL- indi$erent de &nitte l cre
e#te de#c)i# cont&l%
<n c9&l retr*erilor de n&7err 6n vl&t" 7i 7ri de 0/// EUR incl&#iv ;i
retr*erilor de n&7err 6n Lei 7i 7ri de .=// Lei incl&#iv- clien+ii !er#one $i9ice
re9idente ;i nere9idente -tit&lri de cont ;i 67!&ternici+i #e !re9int" 6n Front4 O$$ice !entr&
veri$icre ct&l&i de identitte ;i NFor7&lr&l&i de Eli'erre N&7err Per#one Fi9iceL-
indi$erent de &nitte l cre e#te de#c)i# cont&l%
NFor7&lr&l&i de Eli'erre N&7err Per#one Fi9iceL n& re re*i7 #!ecil ;i #e
di#tri'&ie *rt&it clien+ilor de c"tre n*B+ii din c#ierie ;i Front4O$$ice%
E#te inter9i# n*B+ilor Rei$$ei#en Bn2 #" co7!lete9e NFor7&lr&l de Eli'erre
N&7err Per#one Fi9iceL%
<n c9&l retr*erilor de n&7err 6n lei ;i vl&t" di#!&#e de c"tre n*B+ii Rei$$ei#en
Bn2 #e v co7!let NFor7&lr&l de Eli'erre N&7err Per#one Fi9iceL n&7i 6n #it&+i
6n cre retr*erile #e e$ect&e9" 6n lte centre de co#t dec8t cel l cre e#te de#c)i# cont&l ;i
#&7 de!";e;te 0/// EUR incl&#iv !entr& retr*erile 6n vl&t" #& .=// Lei !entr&
retr*erile 6n lei%
<n c9&l retr*erilor de n&7err 7i 7ri de 0//// EUR #& ec)ivlent- c#ier&l v
re+ine l ctele 9ilei ;i o co!ie ct&l&i de identitte !r+in8nd !er#onei cre #e7nt
!entr& retr*ere !rec&7 ;i NDeclr+i !rivind 'ene$icir&l relL%
H. Retrageri "e numerar #n lei i #n !alut "e ctre persoane 5uri"ice
Pentr& retr*erile de n&7err 6n lei ;i vl&t" #olicitte de c"tre !er#onele B&ridice-
!rin !er#onele 67!&ternicite le ce#tor- l &nitte l cre & de#c)i# cont&l #& l lt
&nitte o!ertiv- #e &tili9e9" &r7"torele $or7&lre:
i% Per#onele B&ridice re9idente:
Pentr& retr*eri de lei4NFor7&lr&l Eli'erre N&7errLO
Pentr& retr*eri de vl&t" 6n #co!&l !l+ilor c"tre re9iden+i4NFor7&lr&l
Eli'erre N&7errLO
Pentr& retr*eri de vl&t" 6n #co!&l !l"+ilor c"tre nere9iden+i4NDi#!o9i+ie de
Plt" ECtern"L3DPE5%
ii% Per#one B&ridice nere9idente:
Pentr& retr*eri de lei #i vl&t"4NFor7&lr&l Eli'erre N&7errLO
NFor7&lr&l Eli'erre N&7errL n& re re*i7 #!ecil ;i #e di#tri'&ie *rt&it clien+ilor
de c"tre n*B+ii din c#ierie ;i din Front O$$ice%For7&lr&l #e co7!lete9" 7n&l ;i
li9i'il- 6n , eCe7!lre de c"tre clien+i%
Retr*erile de n&7err deno7int in lei #olicitte de c"tre !er#onele B&ridice #e
e$ect&e9" 6n con$or7itte c& !revederile NOrdonn+ei nr%0=Q,.%/0%0AA> !rivind 6nt"rire
di#ci!linei econo7ico4$inncireL #i 7odi$ic"rilor d&#e &lterior ce#tei%
Per#onele B&ridice !ot e$ect& !l"+i 6n n&7err 6n &r7"torele c9&ri:
Plt #lriilor ;i ltor dre!t&ri de !er#onlO
Alte o!er+i&ni de !l+i le !er#onelor B&ridice c& !er#one $i9iceO
Pl+i c"tre !er#one B&ridice 6n li7it &n&i !l$on 9ilnic 7Ci7 #t'ilit de BNR%
L #olicitre eli'er"rii e$ective dre!t&rilor #lrile- *en+ii econo7ici vor
!re9ent dovd e$ect&"rii !l"+ilor c"tre $&rni9orii de ener*ie electric"- ter7ic" #i *9e
nt&rle%
Retr*erile de n&7err deno7int 6n vl&t" #olicitte de c"tre !er#one B&ridice #e
e$ect&e9" 6n con$or7itte c& !revederile Re*&l7ent&l&i BNR !rivind e$ect&re
o!er+i&nilor vl&tre ;i le re*le7ent"rilor 6n vi*ore%
<n c9&l 6n cre client&l dore;te # retr*" o #&7" 7i 7re de =/// EUR #&
0=///Lei- ce#t tre'&ie # n&n+e 'nc !rin tele$on c& ,: de ore 6ninte de retr*ere%
!anta5e:
Acce# l cont&l c&rent din orice &nitte Ri$$ei#en Bn2 !entr& de!&neri de
n&7err- ;i c& n&7ite re#tric+ii !entr& retr*eri de n&7err- le*te 6n
!rinci!l de !o#i'ilitte veri$ic"rii #e7n"t&rilorO
Re+e eCtin#" de &nit"+i 'ncreO
Co7i#ione co7!etitive%
4.+. "naliza operaiilor cu nu'erar efectuate *e unitile operative ale bncilor
co'erciale
Anli9 ctivit"+ii de#$";&rt" 6n #$er o!er+iilor c& n&7err #e reli9e9" 6n +r
no#tr" !e trei nivele:
5 l nivel&l &nit"+ilor o!ertive le '"ncilor co7ercile 3#&c&r#le- *en+ii ;i !&ncte
de l&cr&5O
'5 l nivel&l B&de+&l&i 4 e$ect&t" de c"tre #&c&r#lele B"ncii N+ionle Ro78nieiO
c5 l nivel&l 6ntre*ii +"ri 4 e$ect&t" de c"tre centrl B"ncii N+ionle Ro78niei%
<n vedere de#$";&r"rii $l&ente ctivit"+ii- 6n cee ce !rive;te #i*&rre c#ieriei c&
n&7err&l nece#r e$ect&"rii !l"+ilor- &nit"+ile o!ertive le '"ncilor co7ercile & o'li*+i
6ntoc7irii l 6nce!&t&l $iec"r&i tri7e#tr& &nei !ro*no9e !rivind 6nc#"rile ;i !l"+ile 6n
n&7err% Ace#t" !ro*no9" #e re$er" l 6nc#"rile ;i !l"+ile !reconi9te $i e$ect&te 6n
tri7e#tr&l re#!ectiv de#$";&rte !e #&r#e de 6nc#"ri ;i cte*orii de !l"+i% Av8nd 6n vedere
$!t&l c"- 6n et! ct&l"- !r 7ri $l&ct&+ii de l o l&n" l lt 6n cee ce !rive;te
6nc#"rile ;i !l"+ile ;i c" !ro*no9ele tri7e#trile n& 7i concord" c& relitte- l #$8r;it&l
$iec"rei l&ni- #ociet"+ile 'ncre 6ntoc7e#c !entr& l&n &r7"tore o #it&+ie 6nc#"rilor ;i
!l"+ilor !reli7inte- +in8nd&4#e cont ;i de reli9"rile e$ective le l&nii nteriore%
Nivel&l e$ectiv l 6nc#"rilor ;i !l"+ilor 6n l&n re#!ectiv" #e 6nre*i#tre9" 6n I(r$ic&l
!rivind 6nre*i#tr"rile 9ilniceI !rec&7 ;i 6n ISit&+i o!er+i&nilor c& n&7errI #e!rt !entr&
6nc#"ri ;i #e!rt !entr& !l"+i- 9ilnic- c&7&lt de l 6nce!&t&l tri7e#tr&l&i%
Pe '9 doc&7entelor 7en+ionte 7i #&# #e $ce o nli9" l nivel&l #&c&r#lei !rin
co7!rre #&7elor din !ro*no9" ;i celor din #it&+i 6nc#"rilor ;i !l"+ilor !reli7inte c&
cele din #it&+i o!er+iilor c& n&7err- di$eren+ele con#ttte #e nli9e9" ;i #e 6ntre!rind
7"#&ri !entr& 6nl"t&rre ce#tor%
Cap. /II. 5one*a electronic
6.1. 7oiuni $enerale privin* car*urile
Crd&rile #&' $or7" de credit card *cri de credit+ & !"r&t !entr& !ri7 or" 6n
Sttele Unite le A7ericii- ir inten+i $o#t de o$eri clien+ilor &n in#tr&7ent de !lt" c&
circ&l+ie l nivel n+ionl cre #" !er7it" de!";ire re#tric+iilor 6n ce#t do7eni& i7!&#e de
Le*e Bncr" Federl" SUA%
De t&nci- crd&rile 6n di$erite vrinte & 6nce!&t #" $ie &tili9te tot 7i 7&lt 6n +"rile
c& econo7ie de9voltt"- devenind 6n #c&rt ti7! &n&l din cele 7i r"#!8ndite ;i &tili9te
#ervicii 'ncre%
De;i crd&rile & 6nce!&t #" $ie $olo#ite 6n +"rile ve#t4e&ro!ene 6nc" din nii `>/- 'i
d&!" nii `@/ #4 eCtin# &tili9re lor- ir n&7"r&l de+in"torilor de #t$el de in#tr&7ente
cre#c&t #e7ni$ictiv% Tot 6n nii `@/- & $o#t introd&#e !e !i+" de'it crd&rile 3c"r+ile de
de'it5% <n !re9ent- crd&rile con#tit&ie &n din cele 7i r"#!8ndite 7etode de !lt" ;i de
o'+inere de credit%
C #&!ort $i9ic- crd&l e#te reli9t din 7teril !l#tic- co7!r'il c $or7" ;i
di7en#i&ne c& o crte de vi9it"- v8nd 6n*lo'te co7!onente electronice #!ecile !entr&
decodi$icre di$eritelor o!er+i&ni !entr& cre $o#t conce!&t": 6n !rinci!l- ccent&l
de+in"tor&l&i l cont&l #"& 'ncr ;i e$ect&re electronic" !l"+ii- de &nde ;i den&7ire de
K7oned" electronic"L #& K'ni electroniciL%
Crd&l e#te &n in#tr&7ent de !lt" '9t !e electronic"- c lterntiv" l
in#tr&7entele Kcl#iceL de !lt"- n&7err&l ;i cec&l- ir de+in"tor&l l&i re !reptul !e acces
la o proce!ur !e autori"are -i plat cu car!.
Crd&l 6n*lo'e9" 6n 'nd 7*netic" in$or7+ii #tndrdi9te- #ec&ri9te ;i
individ&li9te cre- !rin decodi$icre c& B&tor&l &nor di#!o9itive #!ecile- !er7it cce#&l
tit&lr&l&i l cont&l #"& 'ncr2 autori"area de !l"+i2 e#ectuarea de !l"+i #& obinerea de
n&7err%
Dr $iind co7!onent electronic" ;i lr* &tili9re crd&rilor- e7iten+ii de crd&ri
& n&7ite re#!on#'ilit"+i !rivind con$ec+ionre 7teril" ;i in$or7+iile 7ini7e !e cre
tre'&ie #" le con+in" &n crdO ei tre'&ie #" #i*&re &r7"torele crcteri#tici co7&ne:
$'ricre din 7teril !l#tic c& ce;i di7en#i&ni- indi$erent de e7itent 36n
con$or7itte c& #tndrdele intern+ionle ISO ?@0/ ;i ISO ?@0.5
!e $+ crd&l&i #" #e re*"#e#c" n&7ite in$or7+ii de#!re client ;i de#!re 'nc"
M ;i n&7e:
0% den&7ire ;i #i*l e7itent&l&i 3'nc #& lt" in#tit&+ie5O
,% n&7"r&l crd&l&iO
.% n&7ele ;i !ren&7ele de+in"tor&l&iO
:% dt l cre eC!ir" vl'ilitte crd&l&iO
=% o )olo*r7" vi9i'il" l l&7in nt&rl"
Pe !rte din #!te 3ver#o5:
0% 'nd 7*netic" 36nre*i#tr'il" !e cel !&+in trei !i#te cre re#!ect" !revederile
ISO5O
,% #!+i&l 3!nel5 de #e7n"t&r" &nde client&l #e7ne9" l !ri7ire crd&l&iO
.% in$or7+ii !entr& de+in"tor&l crd&l&iO
:% dre# '"ncii%
Ace#t e#te $or7t&l *enerl !entr& tote ti!&rile de crd&ri e7i#e 6n 6ntre* l&7e-
indi$erent de 7rc" #& de 'nc e7itent"%
,odul de utilizare
Odt" intrt 6n !o#e#i crd&l&i- tit&lr&l 6l !ote $olo#i !entr&:
!lt 7"r$&rilor ;i #erviciilor l &nit"+ile cre v8nd 7"r$&ri #& #ervicii ;i cce!t"
ce#t in#tr&7ent de !lt"O
o'+inere de n&7err de l *)i;eele '8ncii #& de l di#tri'&itorele &to7te de
n&7err%
6.%.8ipuri *e car*uri
<n +rile de9voltte- !&'lic&l !ote le*e dintre 7i 7&lte ti!&ri de crd&ri cre #&nt
!&#e l di9!o9i+ie de '"nci #& de or*ni9+ii #!ecili9te%
C #tr&ct&ri de '9" #e di#tin*:
credit crdO
#tore crdO
de'it crdO
crd&ri 7&lti$&nc+ionleO
#7rt crd%
Cre"it car"ul
Credit crd&rile- ; c&7 #4 !re9entt- #&nt !ri7ele in#tr&7ente de !lt" de ce#t
*en cre & !"r&t%
Credit crd&l 3crte de credit5 indic" $!t&l c" de+in"tor&l&i i4 $o#t de#c)i#" o linie
de credit cre 6i !er7ite #" c)i9i+ione9e '&n&ri ;i #ervicii ;iQ#& n&7err- 6n li7it &n&i
!l$on #t'ilit 6n !rel'il%
Credit crd&l #e e7ite tit&lr&l&i 6n '9 &n&i cont 'ncr de#c)i# 6n ce#t #co!%
Prtic&lritte credit crd&l&i- ; c&7 re9&lt" din den&7ire #- e#te $!t&l c" !er7ite
tit&lr&l&i #" e$ect&e9e !l"+i c)ir dc" n& re di#!oni'ilit"+i 6n cont&l #"&% <n contrct&l cre
#4 6nc)eit 6ntre client ;i 'nc" #e #!eci$ic" !l$on&l li7it" 3lini de credit5 6n cdr&l c"r&i
'nc 6l v credit%
Credit crd&l e#te #t$el e7i# 6nc8t !er7ite de+in"tor&l&i:
#" r7'&r#e9e n totalitate credit&l l #$8r;it&l !eriodei #t'ilite- 6n ce#t c9
$iind den&7it- !otrivit !rcticii intern+ionle- ;i charge cardA
#" r7'&r#e9e credit&l n&7i 6n !rte- !rte r"7#" &r78nd $i con#idert" o
eCten#ie credit&l&i cordt nterior 3!otrivit !l$on&l&i de credit convenit !rin contrct&l
c& 'nc5%
Store car"
M&lte dintre 7rile 7*9ine #& co7!nii de #ervire !o!&l+iei 3de Ce7!l&-
'en9in"rii5 & introd&# !ro!riile crd&ri cre- 6ntr4&n $el- conc&re9" credit crd&rile e7i#e
de '"nci% MBoritte 7rilor 7*9ine !re$er" #" e7it" !ro!ri&l in#tr&7ent de !lt" M
den&7it #tore crd 3crte de 7*9in5 - din 7i 7&lte con#iderente- !rintre cre !ot $i
7intite &r7"torele: con#tit&ie &n ele7ent i7!ortnt 6n !roce#&l de #i*&rre loilit"+ii
clien+ilor !entr& 7*9in&l #& re+e& re#!ectiv" de 7*9ine- deter7in" cre;tere
v8n9"rilor !rin $cilit"+ile de !lt" o$erite ;i $&rni9e9" co7ercin+ilor in$or7+ii de !i+"
vloro#e%
>ebit car"
De'it crd&l 3crte de de'it5 !er7ite c de+in"tor&l&i #"& #" 6i $ie de'itt" - 6n 7od
direct- contrvlore '&n&rilor- #erviciilor c)i9i+ionte ;iQ#& n&7err&l&i $olo#it 3!rin
ATM5 !e #e7 $ond&rilor din cont&l #"&%
De'it crd&l #e e7ite 6n '9 &n&i cont 'ncr l client&l&i M tit&lr l crd&l&i%
De'it crd&l e#te $olo#it #e7"n"tor n&7err&l&i- 6n #en#&l c" tit&lr&l !ote e$ect& !l"+i 6n
li7it di#!oni'ilit"+ilor #le '"ne;ti din cont #&- dc" 6nc)eit 6n !rel'il o conven+ie c&
'nc- &n credit de#co!erit de cont 3!entr& c 'nc #" &tori9e9e !l"+i ;i d&!" ce !ro!riile
#le $ond&ri & $o#t c)elt&ite5%
Utili9re de'it crd&rilor n& !re#&!&ne circ&l+i nici &n&i doc&7ent !e #&!ort
)6rtie% De'itre cont&l&i tit&lr&l&i #e e$ect&i9" #i7&ltn c& creditre cont&l&i
7*9in&l&i #& in#tit&+iei cre cce!t" c in#tr&7ent de !lt" de'it crd&ri% Pentr& le $ce
7i trctive !entr& clien+i- '"ncile de'ite9" cont&l tit&lr&l&i d&!" trei 9ile de l
e$ect&re c)i9i+iei% Proced&rile $olo#ite 6n e$ect&re !l"+ilor #&nt #e7"n"tore celor
!re9entte l credit crd&ri% S!re deo#e'ire de cec- 6n c9&l de'it crd&rilor- 7"r$&rile !ot $i
co7ndte !rin tele$on- ir vlore trn9c+iilor n& e#te li7itt"%
Car*urile 'ultifuncionale
Pentr& #e !ro!i 7i 7&lt de nevoile clien+ilor- tot 7i 7&lte '"nci e7it crd&ri
7&lti$&nc+ionle%
Crd&l 7&lti$&nc+ionl e#te orice debit crd cre re ;i alte funciuni cre 6l !ot $ce
rec&no#c&t c 7iBloc de !lt"- c&7 #&nt:
crte de n&7err- #& cash card2 cre e#te &n crd &tili9'il eCcl&#iv !entr&
&to7te !ro*r7'ile cre !ot di#tri'&i n&7err%
crte de *rntre cec&rilor 3che-ue guaranted card5 cre #i*&r" *rntre
&n&i cec e7i# ;i #e7nt- !8n" l o #&7" #!eci$ict" de c"tre 'nc e7itent" crd&l&i 3tr#"
!rin cec5%
Deci- de+in"tor&l &n&i crd 7&lti$&nc+ionl 6l !ote &tili9 !entr& tote
o!er+iile #!eci$ice de'it crd&rilor- dr ;i !entr& retr*ere de #&7e de l di#tri'&itorele
&to7te de n&7err #& !entr& *rntre !l"+ilor e$ect&te !rin cec%
)'art car*uri
<n &lti7ii ni #4& 6nre*i#trt !ro*re#e i7!ortnte 6n te)nolo*i le*t" de reli9re
crd&rilor% S7rt crd&rile 3crd Kinteli*entL5 !er7it der&lre &nor trn9c+ii 7&lt 7i
#o$i#ticte dec8t celellte crd&ri den&7ite- !entr& di$eren+iere- crd&ri de !l#tic 3'nd"
7*netic"5%
ECit" do&" ti!iri de smart carduri- &nele ce !ot 6n7*9in &nit"+i de vlore ;i
ltele- 7i #o$i#ticte- cre & 6ncor!orte 7icro!roce#ore%
Ace#te crd&ri & !ri7it ce#t n&7e dtorit" $!t&l&i c" &n 7icroco7!&ter 6ntre* e#te
6ncor!ort 6ntr4&n crd de di7en#i&ni t8t de red&#e 3crd&rile 'ncre5- i7!ri78nd&4i
ce#t&i &n *rd de inteli*en+" deter7int de 7e7ori ;i !&tere !roce#or&l&i% S7rd
crd&rile & !o#i'ilit"+i ce le de!";e#c !e cele le crd&rilor c& 'en9i 7*netice- crd&ri ce
do7in" 'nc electronic" din 9ilele no#tre%
6.+ 8ipuri *e car*uri oferite *e Raiffeisen ank Ro'(nia
Bnc Ri$$ei#en Ro78ni o$er" clien+ilor #"i &r7"torele ti!&ri de crd&ri:
Crd&ri !entr& !er#one $i9ice :
*urocar"?&astercar" - US>
VIS Classic - lei
VIS *.*C'R1N
&aestro - lei
Crd&ri !entr& !er#one B&ridice :
VIS +usiness - US>
VIS +usiness - lei
Car*ul E9ROC"R0:5")8ERC"R0 9)0
Princi!lele crcteri#tici:
Crd de de'it 6n USD c& &tili9re intern+ionl" O
Sold 7ini7 de de#c)idere : ,=/ USD 3&n crd !e cont5 M :// USD 3do&"
crd&ri !e cont5 O
Do'8nd" 'oni$ict" : l vedere O
Co7i#ion de retr*ere l ATM4&rile Ri$$ei#en Bn2 : /-?=Z 4 7ini7 , USD O
Co7i#ion de retr*ere l ATM4&rile ltor '"nci 6n Ro78ni ;i 6n #tr"in"tte :
0-=Z 4 7ini7 : dolri
Co7i#ion !entr& trn9c+ii co7ercile 6n Ro78ni ;i 6n #tr"in"tte : 0Z
VIS C.SSIC R1.
Princi!lele crcteri#tici :
Crd de de'it !entr& !er#onele $i9ice vlid 6n Ro78ni
Crd #&!li7entr !entr& cel;i cont
Sold 7ini7 de de#c)idere ,//%/// lei
Do'8nd 'oni$ict" : l vedere
Co7i#ion de retr*ere l ATM4&rile Ri$$ei#en Bn2 : /-,Z 4 7ini7 0=//
LEI O
Co7i#ion de retr*ere l ATM4&rile ltor '"nci: /-=Z [ ,=%/// lei
Co7i#ion !entr& trn9c+ii co7ercile: /Z
VIS *.*C'R1N
Ri$$ei#en Bn2 ln#e9" !e !i+ 'ncr" &n no& !rod&# 6nce!8nd > dece7'rie
,//.% Cont&l c&rent !er#onl 6n lei c& cce# !rin inter7edi&l crd&l&i intern+ionl VISA%
E#te &n cont deno7int 6n lei v8nd c tit&lr o !er#on" $i9ic"% Se dre#e9" !er#onelor
$i9ice ;i !ote $i &tili9t t8t 6n +r" c8t ;i 6n #tr"in"tte- !entr& trn9c+ii co7ercile directe
l *en+i econo7ici do9+i c& EPOS 3n& !ote $i $olo#it !entr& o!er+i&ni 7n&le5% Se !ot
e$ect& t8t 6n +r"- c8t ;i 6n #tr8in"tte de l tote ec)i!7entele &to7te de eli'erre
n&7err&l&i ATM- cre $i;e9" #i*l VISA Electron- !rec&7 ;i l *)i;eele 'ncre% Are o
!eriod" de vl'ilitte de , ni%

)tili"atorul principal !e car!.
4 e#te !er#on $i9ic" cre #olicit" B"ncii de#c)idere &n&i cont c&rent 6n lei !e
n&7ele #"&- c 7iBloc de cce# l cont%
4 &tili9tor&l !rinci!l de crd re dre!t&ri co7!lete de l&cr& 6n cont t8t c& $olo#ire
crd&l&i #& c8t ;i ltor in#tit&+ii 'ncre%
4 n&7i &tili9tor&l !rinci!l de crd v !&te ini+i re$&9&ri l !lt- t8t !entr&
crd&l #"& c8t ;i !entr& crd&l &tili9tor&l&i #&!li7entr%
/ardul principal e#te crd&l e7i# de 'nc" !e n&7ele tit&lr&l&i de cont c&rent
!er#onl 6n lei c& cce# !rin crd%
)tili"atorul suplimentar:
4 e#te !er#on $i9ic" cre re cce# l cont&l c&rent 6n lei ltei !er#one 6n '9
cord&l&i eC!licit ;i cre #olicit" '"ncii- c& cord&l &tili9tor&l&i !rinci!l de crd- e7itere
&n&i crd c 7iBloc de cce# l contO
4 r!orte de ctivitte crdO
4 ini+iere trn#$er&ri din contO
4 re$&9&ri de !lt"- &tili9e9" !entr& o!er+ii de cont lte in#tr&7ente 6n $r crd&l&i
#&!li7entr%
4 re dre!t&l #" di#!&n" de #&7ele din cont&l tit&lr&l&i de cont- 6n cele;i condi+ii
c ce#t- $"r" ve dre!t&l #" #olicite '"ncii eCtr#e de cont%
Angajator:
4 e#te !er#on $i9ic" re9ident" cre 6nc)eit contrct de 7&nc" !e d&rt"
nedeter7int" c& &tili9tor&l !rinci!l de crdO
4 6nc)eie c& o &nitte teritoril" RB &n contrct 6n '9 c"r&i li7ente9" cont&rile
c&rente !er#onle c& cce# !rin crd le n*B+ilor #"i c& dre!t&ri #lrile l&nre%
AvntBele cont&l&i !er#onl 6n lei c& cce# !rin inter7edi&l crd&l&i intern+ionl
VISA Electron e#te &n !rod&# 'ncr 7odern ;i !ro$it'il- !roiectt 6n #co!&l '9ei de
clien+i 3!er#one B&ridice5 ;i di7in&"rii $l&C&l&i de n&7err !rin *)i;eele !ro!rii%
Avantajele 0ai##eisen 'an%:
4 di7in&re $l&C&l&i de n&7err !rin c#eriile '"ncii ;i i7!licit red&cere co#t&rilor
ctivit"+ii de c#ierieO
4 6nc#re de tCe ;i co7i#ione de l !er#onele $i9ice 6n 7o7ent&l e7iterii
crd&l&i ;i &tili9"rii #&7elor de contO
4 6nc#re de do'8n9i !entr& #&7ele &tili9te 6n de#co!erit- de c"tre &tili9tor&l
!rinci!l de cond&cere ;iQ#& &tili9torii #&!li7entri de cond&cere% Utili9re de c"tre
clien+i $cilit"+ii de ie;ire 6n de#co!erit- d&ce l !l#re #&r#elor te7!orr di#!oni'ile-
!roce# ce i7!lic" &n *rd red&# de ri#c 6ntr&c8t 'nc e$ect&i9" !l#7ente c& vlore
&nitr" reltiv &nic"O
4 crere &nei '9e de clien+i !entr& o$ertre de lte !rod&#eQ#ervicii 'ncreO
Para'etrii funcionali ai contului &n lei- cu acces prin car*ul internaional
/I)" Electron;
0%Ti! client: !er#one $i9iceO
,%Ti! cont: cont c&rent !er#onl 6n lei- cre e#te &n cont 'i$&nc+ionl- c& #old de'itor
&tori9t !rin t;re de linie ACA #iQ#& #old de'itor ne&tori9tO
.% Sold 7ini7 intn*i'il 3'loct 6n cont&l c&rent c& cce# !rin crd VISA5: =//// lei
!er crd e7i# !rin contO
:% De!&nere 7ini7": n& 7i 7ic" de =//// leiO
=% Ali7entre 6n cont: #&nt !er7i#e tote ti!&rile de li7entre cce!tte 6n 7od
c&rent de c"tre 'nc" 3de!&nere !rin *)i;e&- c)itre de dre!t&ri #lrile de c"tre
n*Btor- lte ti!&ri de trn#$er&ri 'ncre- o!er+i&ni !rivind cll center5%

Funcionalitate.
4 e#te &n crd ti! debit.
4 6n c9&l 6n cre e#te #olicitt de c"tre o !er#on" $i9ic" l *)i;e&l '"ncii ;i n& e#te
li7entt re*&lt c& dre!t&ri #lrile 6n '9 &n&i contrct 6nc)eit 6ntre 'nc" ;i n*Btor
3!er#on" $i9ic"5O
4 !er7i+8nd t;re &nor li7ite de de#co!erire 6n cont de !8n" l . #lrii l&nre
nete- 6n c9&l 6n cre e#te li7entt rit7ic c& dre!t&ri #lrile de c"tre n*Btor 3!er#on"
$i9ic"5%
Li7it de de#co!eriri 6n cont #e cord" de c"tre 'nc" 6n '9 &nei #olicit"ri eC!re#e
titl&rilor de cont c& #e7nre &n&i contrct 3neC =5- cre re*le7ente9" rel+i 6ntre !"r+i
6n der&lre d7ini#trtiv $&nc+ionl" li7itei cordte%
$arametrii #uncionali car! internaional *n lei 1IA ata-at contului curent
personal *n lei2
1.3ip car!2 de'it :
4 6n c9&l 6n cre crd&l e#te e7i# de 'nc" c 7iBloc de cce# l &n cont c&rent cre
n& e#te li7entt c& dre!t&ri #lrile de c"tre n*Btor&l !er#on" $i9ic" tit&lr de crdO
4 c& !o#i'ilit"+i de t;re &nei li7ite de de#co!erire 6n cont !8n" l . #lrii%
2. Aria !e utili"are a car!ului2 intern+ionl
3. 4umr !e car! ce pot #i ata-ate la cont2 7Ci7 = 3&n&l !rinci!l[:
#&!li7entre5O
H% 1alabilitate2 , niO
5. 5e!iul !e utili"are a car!ului2 7edi& 7n&l ;i electronicO
6. 7imita "ilnic !e c8eltuieli prin car! a tran"aciilor comerciale2 di#!oni'il&l din
cont&l c& cce# !rin crd 3eCcl&#iv #old&l 7ini7 intn*i'il 5 #& li7it 9ilnic" ordont" de
clientO
9. 7imita "ilnic !e c8eltuieli prin car! a operaiunilor !e eliberri numere2
di#!oni'il din cont&l c& cce# !rin crdQeCcl&#iv #old&l 7ini7 intn*i'ilQ#& li7it 9ilnic"
ordont" de clientO
Car*ul 5aestro < lei
Princi!lele crcteri#tici :
Crd de de'it !entr& !er#onele $i9iceQcrd de !lt" #lriilor !entr&
n*Btori- c& &tili9re intern+ionl"
Crd #&!li7entr !entr& cel;i cont
Sold 7ini7 de de#c)idere =/%/// lei
Do'8nd 'oni$ict" : l vedere
Co7i#ion de retr*ere l ATM4&rile Ri$$ei#en Bn2 : /-,Z 4 7ini7 0=//
LEI O
Co7i#ion de retr*ere l ATM4&rile ltor '"nci: /-=Z [ ,=%/// lei
Co7i#ion de retr*ere l ATM4&rile '"ncilor din #tr"in"tte : 0-=Z 4 : USD
36n lei5
Co7i#ion !entr& trn9c+ii co7ercile: /Z 6n Ro78ni- 0Z 6n #tr"in"tte
C& Ri$$ei#en Bn2 Me#tro :
i !o#i'ilitte de o!t !entr& 6nc#re dre!t&rilor #lrile 6n cont&l de
crd Me#tro
i !o#i'ilitte de o'+ine d&!" , l&ni de &tili9re crd&l&i - &n credit de
7Ci7 trei #lrii nete-$"r" *rn+ii ;i c& o do'6nd" de :,Z !e n
!o+i 6nc# do'8n9ile 'oni$icte de 'nc" l de!o9ite $"r" c!itli9re ;i !o+i
e$ect& !l"+i directe c"tre $&rni9orii de &tilit"+i- $"r" $i nece#r" de!l#re l
'nc"O
Pentr& #&7ele din cont&l de crd !ri7i+i o do'8nd" de 0/Z%
Po#i'ilitte de $i li7entt de l orice &nitte 'ncr" din Ro78ni
Po#i'ilitte de ridic n&7err de l orice 'nco7t #& *)i;e& 'ncr
Po#i'ilitte con#&lt"rii cont&l&i de crd !rin inter7edi&l tele$oniei 7o'ile
S7rt Tel SMS
Po#i'ilitte c)it"rii $ct&rilor Ro7teleco7 #i Di#tri*9 !rin inter7edi&l
cont&l&i de crd
/I)" usiness < 9)0
Crd&l in USD VISA B&#ine## Ri$$ei#en Bn2 e#te &n !rod&# de ti! de'it cre #e
dre#e9 !er#onelor B&ridice ro7ne i cror #lriti e$ect&e9 de!l#ri in #trintte #i
in tr in intere#&l $ir7ei%
V !er7ite e$ect&re de trn9ctii co7ercile #i retr*eri de n&7err in orice
colt l l&7ii%
V o$er !o#i'ilitte de li7it c)elt&ielile n&7itor n*Bti l nivel&l
$iecr&i crd in !rte%
V #i*&r inloc&ire in re*i7 de &r*ent crd&l&i declrt c !ierd&t $&rt #i
eli'erre de n&7err in re*i7 de &r*ent !n l e7itere crd&l&i inloc&itor%
V o$er n&7ero#e #ervicii coneCe eCtre7 de vntBo#e:
A#i#tent 7edicl de &r*ent #i re$erinte 7edicleO
Servici&l de #i#tent B&ridicO
A#i*&rre !entr& c9&ri de intr9iere in ti7!&l cltorieiO
A#i*&rre !entr& '*Bele #o#ite c& intr9iere #& !ierd&teO
A#i*&rre in c9&ri de det&rnreO
Re9ervre c7erelor de )otel%
Serviciile de A#i#tent VISA in c9 de &r*ent #&nt di#!oni'ile n&7i t&nci cnd ti
$olo#it crd&l !entr& c)it co#t&l cltoriei 3c9re-trn#!ort-etc5 in intre*i7e #& dor
!rtil- cltorie !e !rc&#&l crei !r&t nece#itte &n&i #ervici& in re*i7 de &r*ent%
/I)" usiness < lei
Crd&l in lei VISA B&#ine## Ri$$ei#en Bn2 e#te &n !rod&# de ti! de'it cre #e
dre#e9 #ociettilor ro7ne#ti i cror #lriti e$ect&e9 de!l#ri in intere#&l $ir7ei%
V !er7ite e$ect&re de trn9ctii co7ercile #i retr*eri de n&7err in orice
colt l trii%
V o$er !o#i'ilitte re9ervrii de c7ere de )otel%
V #i*&r inloc&ire in re*i7 de &r*ent crd&l&i declrt c !ierd&t $&rt #i
eli'erre de n&7err in re*i7 de &r*ent !n l e7itere crd&l&i inloc&itor%
Cap. /III. 8ehnica .i evi*ena operaiunilor
*e cre*itare bancar
=.1. Intro*ucere
Creditre e#te o ctivitte de '9" 6ntr4o 'nc"% B"ncile !ri7e#c 'ni #&' $or7" de
de!o9ite de l clien+i- c"ror le !l"te#c do'8nd" !entr& #&7ele de!&#e% Bnc tre'&ie #"
*enere9e venit !entr& !l"ti do'8nd" de!onen+ilor- !entr& reli9 !ro$it 6n 'ene$ici&l
c+ionrilor #"i- !rec&7 ;i !entr& !ro!ri de9voltre%
O 7odlitte !rin cre '"ncile reli9e9" venit&ri e#te de d c& 67!r&7&t 3#&
!l#5 'nii de!o9it+i% B"ncii i #e !l"te;te do'8nd" !entr& #&7ele dte c& 67!r&7&t: rt
do'8n9ii !erce!&te !entr& 67!r&7&t&ri v $i 7i 7re dec8t rt do'8n9ii !l"tite l
de!o9ite% Di$eren+ dintre ce#te do&" rte le do'8n9ii #e n&7e;te marj ;i con#tit&ie o
#&r#" i7!ortnt" !entr& venit&l '"ncii% Deci- 7rB re!re9int" di$eren+ 6ntre rt do'8n9ii
!erce!&t" l creditele cordte ;i ce cordt" !entr& de!o9itele con#tit&ite de clien+ii '"ncii%
O !rte din $ond&rile vn#te 6n !roce#&l de creditre !rovin din c!itl&l !ro!ri& l
'"ncii% Nivel&l c!itl&l&i e#te re*le7entt de Bnc N+ionl" Ro78niei- core#!&n9"tor
Conveniei !e la 'asel.
O lt" !rte din $ond&ri !ot $i 67!r&7&tte de l lte '"nci% Prin &r7re- '"ncile
tre'&ie #" reli9e9e &n venit #&$icient de 7re !entr& re#tit&i 67!r&7&t&rile #t$el tr#e ;i
do'8nd $erent"- !entr& 4;i co!eri co#t&rile ;i !entr& o'+ine !ro$it% Ade#e- '"ncile
co7ercile & 6n vedere tC o$icil" #cont&l&i #t'ilit" de 'nc centrl"- c do'8nd de
re$erin+" 6n #t'ilire nivel&l&i rtei do'8n9ii &tili9te de ele 6n rel+iile c& clien+ii% De
re*&l"- '"ncile #t'ile#c rt do'8n9ii !ornind de l nivel&l tCei #cont&l&i%
<n 7od nor7l- 6n orice +r" rt 7ini7" do'8n9ii de creditre in$l&en+e9" cerere
de 7oned" ;i c&r#&l de #c)i7'% Prin &r7re- rt do'8n9ii de creditre- 7i le# #&' $or7
tCei o$icile #cont&l&i- e#te &n i7!ortnt in#tr&7ent de !olitic" 7onetr" 6n cdr&l &nei
econo7ii%
Proce#&l de creditre Boc" &n rol e#en+il 6n econo7ie% <nc#8nd #&7e 7ici de 'ni
de l de!onen+i ;i *re*8nd ce#te $ond&ri !entr& le 67!r&7&t #olicitn+ilor- '"ncile !&n
l di#!o9i+ie 'nii nece#ri de9volt"rii econo7ice% <n ce#t !roce#- '"ncile !roteBe9"
de!onen+ii- !rin nli9re ri*&ro#" cererilor de creditre% Creditre- 6n condi+ii !rin cre
#e #i*&r" r7'&r#re- !er7ite '"ncii #" o'+in" &n c8;ti* !entr& de!onen+ii ei- red&c8nd
#e7ni$ictiv nivel&l de ri#c%
<.:. Pru"ena #n cre"itare .
<n c9&l 6n cre o 'nc" cord" &n credit &n&i client4!er#on" $i9ic" #& !er#on"
B&ridic"- ir ce#t- din n&7ite 7otive- n& v !&te #"4;i c)ite o'li*+iile $+" de 'nc"
3re#tit&ire credit&l&i !l&# do'8nd $erent"5- 'nc v 6nre*i#tr !ierderi !e cre v tre'&i
#" le #&!orte din !ro$it%
Pentr& red&ce l 7ini7 !ierderile re9&ltte din credite ne!er$or7nte- l&cr"torii
'ncri i7!lic+i 6n ctivitte de creditre tre'&ie #" !rocede9e c& re#!on#'ilitte l
evl&re ri#c&rilor !e cre le !re#&!&ne cordre 67!r&7&t&rilor% <n !rctic 'ncr"-
co7!en#re co#t&l&i &n&i credit ne!er$or7nt #e $ce !rin der&lre 7i 7&ltor credite
!er$or7nte%
<.G. Principii "e cre"itare
Creditre n& e#te o ;tiin+" eCct"O n& e#te !o#i'il c !rin &tili9re &nei $or7&le #&
!licre &nei teorii #" #e *rnte9e c" #&7 cordt" &n&i client v $i r7'&r#t" c&
do'8nd $erent"% ECi#t"- tot&;i- principii generale !e cre!itare cre- dc" #&nt !licte
con#ecvent- !er7it red&cere *rd&l&i de incertit&dine ;i !rin &r7re- ri#c&l&i i7!lict 6n
creditre%
Ace#te !rinci!ii #e re$er" l:
#olicitnt&l credit&l&i 3de'itor&l5O
cerere de creditre 3o'iectivele &r7"rite5O
r7'&r#re 3rte ;i ter7ene5O
do'8n9i ;i co7i#ione 'ncre 3re7&nerre credit&l&i5O
*rntre 37odlit"+i de #i*&rre ;i rec&!erre5%
<n cele ce &r7e9"- l nli9 $iec"rei dintre ce#te cte*orii- vor $i l&te 6n
con#iderre 7i le# #!ecte !rivind creditre !er#onelor B&ridice% M&lte dintre ce#te
con#ider+ii #e !lic" ;i creditelor cordte !er#onelor $i9ice 3 de eCe7!l&- #e i 6n
con#iderre loc&l de 7&nc" 6n c9&l &nei !er#one $i9ice- ir 6n c9&l &nei !er#one B&ridice-
do7eni&l de ctivitte l $ir7ei5%
<.G.@. Solicitantul cre"itului $"ebitorul%
Acce!t&l &nei '"nci de cord &n credit re$lect" !&nct&l ei de vedere !rivind
c!citte de r7'&r#re- !re9ent" ;i viitore- client&l&i% Prin &r7re- e#te e#en+il c
'nc #" o'+in" c8t de 7&lte in$or7+ii 6n le*"t&r" c& #it&+i $inncir" !oten+il&l&i
client ;i #" $ie #i*&r" c" #e !ote '9 !e tote in$or7+iile o$erite de ce#t% <n ce#t"
nli9"- 'nc tre'&ie #" i 6n con#iderre 7"#&r 6n cre 6l c&no;te !e clientO nli9 #e
$ce di$eren+it !entr& &n client no& ;i !entr& &n client trdi+ionl%
Dc" #olicitnt&l e#te deB &n client l '"ncii- 'nc v l& 6n con#iderre eviden+ele
#le re$eritore l ce#tO de eCe7!l&- re$eritor l creditele nteriore: $o#t re#!ectt
*r$ic&l de r7'&r#re rtelor ;i do'8n9ilorH Orice #olicitre de re6nnoire &n&i credit #e
'9e9" !e rel+iile nteriore c& client&l%
Solicit"rile noilor clien+i tre'&ie trtte di$erit% Dc" cel cre #olicit" &n credit n& e#te
client&l '"ncii- c &n !ri7 !#- tre'&ie #" #e o'+in" re$erin+e #ti#$"c"tore de#!re
inte*ritte ;i #it&+i $inncir" !er#onelor cre cond&c $cere% Tre'&ie #" #e o'+in"
in$or7+ii $inncire relevnte de cre re nevoie 'nc%
Pro'le7ele c)eie #&!r c"ror tre'&ie #" ne concentr"7- c8nd nli9"7 #it&+i &n&i
client cre #olicitt &n credit- #e !ot 67!"r+i 6n !tr& *r&!e 3!entr& o !er#on" B&ridic"5:
i% Do7eni&l de ctivitte l $ir7eiO
ii% Sit&+i $inncir" $ir7eiO
iii% Clitte 7n*e7ent&l&i $ir7eiO
iv% Per$or7n+ele viitore le $ir7ei%
Fiecre dintre ce#te !ro'le7e4c)eie !re#&!&ne r"#!&n#&l l n&7ite 6ntre'"ri:
@. >omeniul "e acti!itate a firmei:
Do7eni&l de ctivitte re#!ectiv e#te 6n cre;tere #& 6n declinH
Cre #&nt conc&ren+ii !rinci!li i $ir7eiH
ECi#t" !e !i+" '&n&ri lterntive celor !rod&#e de 67!r&7&ttH
Activitte $ir7ei re crcter #e9onierH
:. Situaia financiar:
Activitte e#te !ro$it'il"H
Ci$r de $ceri e#te 6n cre;tereH
Fir7 re 7i 7&lte 67!r&7&t&ri 6n der&lreH
Fir7 re- 6n 7od con#tnt- dtorii re#tnteH
Cre e#te c!itl&l inve#tit 6n $cere- co7!rtiv c& de'itele de orice ti! le
$ir7eiH
Di#!oni'ilit"+ile 6n n&7err #&nt controlte #ti#$"c"torH
Fir7 6;i c)it" creditorii l ti7! ;i &r7"re;te ri*&ro# 6nc#re- l #cden+"
de'itelorH
G. &anagementul:
Cond&cere $ir7ei !re9int" 6ncredereH
Cre e#te eC!erin+ cond&cerii 6n der&lre ce#t&i ti! de $cereH
C8t de 'ine e#te controlt" $cereH
S&cce#&l $cerii de!inde de o #in*&r" !er#on" #& cond&cere e#te #i*&rt" de
o ec)i!" 7n*eril"H
Mn*erii #&nt con;tien+i de c!cit"+ile rele de !rod&c+ie le $ir7eiH
H. Viitorul:
V $i !ro$it'il" $cere 6n viitorH
F&nc+ionre- 6n viitor- $cerii v *ener #&$icient !ro$it di#!oni'il !entr&
r7'&r# 67!r&7&t&rile #olicitteH
Cond&cere re 6n vedere- !entr& viitor- vreo #c)i7're 7Bor" cre r !&te
$ect di#!oni'ilit"+ile $ir7ei ;iQ#& !ro$it&lH
<n !rctic ro78ne#c"- nli9 67!r&7&t&l&i din !&nct de vedere l !ro'le7elor
!re9entte 7i #&# e#te c&no#c&t" ;i #&' den&7ire de caracterul -i capacitatea !e
rambursare client&l&i%
:.3.2. Cererea !e cre!itare
A#!ectele ;i 6ntre'"rile deter7inte cre vor $i l&te 6n con#iderre t&nci c8nd #e
nli9e9" cerere de creditre #&nt:
0% Co7!eten+ le*l" #olicitnt&l&i 3de eCe7!l&- dc" re v8r#t !er7i#" de le*e
!entr& 6nc)ei &n contrct le*l #& dc" e#te &tori9tQ67!&ternicit din !rte
$ir7ei #" n*Be9e $ond&ri 6n n&7ele ei5%
,% De#tin+i credit&l&i- den&7it" ;i o'iect&l credit&l&i 3!entr& ce v $olo#i client&l
'nii cre4i v 67!r&7&t5%
.% Ce #&7" e#ti7+i c" r $i nece#r" client&l&i 3vlore credit&l&i5H Co7!r+i
ce#t" #&7" c& vlore credit&l&i #olicitt de el%
:% Pentr& c8t ti7! e#te #olicitt credit&l 3d&rt credit"rii5H
=% C&7 !ro!&ne client&l #" r7'&r#e9e credit&l ;i dc" !ro!&nere e#te reli#t"
!entr& !eriod de ti7! #olicitt" 3e;lonre rtelor #cdente5H
>% C&7 dore;te client&l #" *rnte9e credit&l #olicittH
?% MrB de !ro$it !e cre o v 6nc# 'nc din credit 3do'8nd !erce!&t" !entr&
credit&l cordt- 6n corel+ie c& !olitic do'8n9ilor l de!o9ite- !rctict" de
'nc"5%
De #e7ene- 'nc tre'&ie #" i 6n con#iderre dc" 67!r&7&t&l #olicitt #e 6n#crie
6n !olitic de n#7'l& de creditre '"ncii% De eCe7!l&- o 'nc" !ote li7it #&7ele !e
cre le v 67!r&7&t &n&i n&7it #ector ind&#tril #& co7ercil- #& !ote eCi#t o
re*le7entre B"ncii N+ionle 6n cee ce !rive;te creditre &n&i n&7it #ector%
Care este !estinaia cre!itului;
De#tin+i credit&l&i #& o'iect&l credit&l&i tre'&ie clr de$init" ;i 6n+ele#"- t8t de
client c8t ;i de 'nc"% O'iect&l credit"rii e#te le*lH Dc" cord+i &n credit &nei !er#one
B&ridice !entr& o $cere ile*l"- doc&7ent+i credit&l&i ;i orice *rn+ie 6n #!riB&n&l ei #&nt
lovite de n&litte%
Core#!&nde de#tin+i credit&l&i c& ctivit"+ile c&rente le client&l&i 3trec&te 6n
#tt&t&l $ir7ei5H Dc" n&- &n #t$el de 67!r&7&t inc&7'" &n ri#c de creditre i7!ortnt ;i
tre'&ie eC!lict client&l&i de ce i4+i re$&9t credit&l%
Ce sum se solicit;
E#te e#en+il c 'nc 3;i client&l5 #" c&no#c" vlore credit&l&i% N& tre'&ie &it c"
ri#c&l de ner7'&r#re &n&i credit eCi#t" t8t 6n #it&+i 6n cre #e #olicit" &n credit !re
7ic- c8t ;i t&nci c8nd &n client 67!r&7&t" !re 7&l+i 'ni% Pentr& ne #i*&r c" $o#t
#olicitt &n nivel corect l credit&l&i- cerere client&l&i tre'&ie #&#+in&t" de &n #lu/ monetar
progno"at <cas8 #lo=>. Ace#t !ote l& $or7 &n&i doc&7ent cre #" indice lichiditile
curente! veniturile i cheltuielile prevzute. Prin &r7re- ce#t v r"t vlore $ond&rilor
di#!oni'ile 6n ti7!% De#i*&r- !ro*no9 tre'&ie #" incl&d" #&7ele tr#e de clien+i ;i orice
!l"+i ;i do'8n9i dtorte '"ncii%
<.G.G. Rambursarea
Pro*no9 $l&C&l&i de $ond&ri di#!oni'ile 3cash flo0 M $l&C de n&7err5 ne v indic
d&rt reli#t" r7'&r#"rii credit&l&i% Pentr& c o $cere #" i'" #&cce#- e tre'&ie #" i'"
#&$iciente lic)idit"+i% Dc" !er#on B&ridic" 6ncerc" #" r7'&r#e9e credit&l !re repede- #4
r !&te #" r"78n" $"r" lic)idit"+i ;i #" n& !ot" #"4;i de#$";ore core#!&n9"tor ctivitte 6n
contin&re #& c)ir #" de $li7ent%
E#te !re$er'il c r7'&r#re credit&l&i #" #e reli9e9e 6n rte 7i 7ici- vloric-
e;lonte !e o !eriod" 7i 7re- dr !e cre $cere le !ote co!eri ntr1un mod realist-
dec8t #" $ie e$ect&t" 6ntr4o !eriod" 7i #c&rt"- 6n rte 7ri% <n#";i 'nc v con#tt c"
e#te di$icil #" c8;ti*e #&$icient din lte ctivit"+i 'ncre 6nc8t #" co!ere co#t&l &n&i credit
ne!er$or7nt- $iind !re$er'il" r7'&r#re 6n rte 7i 7ici- dec8t $or+re r7'&r#"rii
r!ide- c& ri#c&l de n& #e 7i !&te r7'&r# credit&l%
Bnc n& v dori c 67!r&7&t&l #" r"78n" ner7'&r#t !entr& o !eriod" 7i 7re
dec8t con#ider" e nece#r #& !r&dent- deorece c& c8t cre;te d&rt r7'&r#"rii- c& t8t
cre;te ;i !o#i'ilitte !ri+iei #it&+iilor cre !ot 67!iedic r7'&r#re credit&l&i%
<n cee ce !rive;te !eriod de r7'&r#re credit&l&i- #e i7!&ne #i*&rre &n&i
ec)ili'r& 6ntre $ond&rile de cre di#!&ne client&l 6n ti7! ;i red&cere !eriodei de e;lonre
rtelor% Period de r7'&r#re credit&l&i e#te- de #e7ene- le*t" de d&rt de vi+"
o'iect&l&i credit&l&i% Dc"- de eCe7!l&- &n ec)i!7ent c& o d&rt" de $&nc+ionre de cinci
ni e#te c)i9i+iont !e '9" de credit- d&rt r7'&r#"rii 67!r&7&t&l&i n& tre'&ie #"
de!";e#c" cinci ni% <n 7od #i7ilr- creditele !e ter7en #c&rt n& tre'&ie &tili9te !entr&
c)i9i+ionre de ctive c& o d&rt" de $&nc+ionre 7re% Ti!&l de $inn+re tre'&ie #" $ie
decvt de#tin+iei credit&l&i%
<.G.H. 7arania
Dtorit" 7edi&l&i co7!etitiv 6n cre o!ere9"- '"ncile n& !ot totde&n #t'ili rte
le do'8n9ii cre #" re$lecte- reli#t- ri#c&l inerent &nei #it&+ii dte% Dc" o 'nc" #olicit" o
rt" de do'8nd" !re 7re- client&l #e !ote dre# conc&ren+ei ;i- !rin &r7re- 'nc !ierde
&n client% Pentr& !&te #t'ili o rt" de do'8nd" 7i 7ic"- o 'nc" !ote #olicit dre!t
*rn+ie ctive de o n&7it" vlore- c& dre!t&l de le vinde 6n c9&l 6n cre client&l n&
re&;e;te #" r7'&r#e9e credit&l 36n concordn+" c& ter7enii conveni+i5% Ace#t e#te
c&no#c&t" #&' den&7ire de garanie real.
Orice deci9ie !rivind creditre &n&i client tre'&ie #" i 6n con#iderre c!citte
!re9ent" ;i viitore client&l&i de r7'&r# credit&l din re#&r#e !ro!rii% C& lte c&vinte-
deci9i de creditre tre'&ie #" $ie l&t" 6ninte de #e d&ce 6n di#c&+ie *rn+i% Bnc v
tre'&i #" i 6n con#iderre vlore cre #e !ote tri'&i 6n 7od reli#t oric"rei *rn+ii
o$erite de client ;i c8t de &;or v $i #" trn#$or7e 6n n&7err *rn+i- 6n c9 c" !re
nece#itte eCec&t"rii ei%
<.H. Cre"itarea persoanelor fizice
O 7re !rte ctivit"+ii de creditre e#te de#tint" persoanelor fizice. M&lte '"nci
ro78ne;ti & evl&t di7en#i&ne !ie+ei creditelor cordte !er#onelor $i9ice ;i !ro$it&rile
!e cre le !ot reli9 !rintr4o creditre 'ine direc+iont" ;i *e#tiont"% <n creditre
!er#onelor $i9ice- e#te &til c 'nc #"4;i lc"t&i#c" o i7*ine co7!let" #&!r venit&rilor
;i c)elt&ielilor client&l&i%
'ipuri "e pro"use bancare #n "omeniul cre"itrii
Creditre 67'rc" 7&lte $or7e% Vo7 6nce!e !rin nli9 do&" ti!&ri de credite-
cre !ot $i !&#e t8t l di#!o9i+i !er#onelor B&ridice- c8t ;i celor $i9ice% De re+in&t c"
&nele dintre ele7entele ce le di$eren+i9" di#!r- !e 7"#&r" ce ctivitte 'ncr" devine
7i co7!etitiv"%
Cre"it #n "escoperit "e cont?1!er"raft
Creditele 6n de#co!erit de cont #&nt di#!oni'ile n&7i !rin cont&rile c&rente le
client&l&i ;i i7!lic" !o#i'ilitte retr*erii de c"tre client 3!e '9" de cec #& lte 7iBloce5
&nei #&7e 7i 7ri dec8t ce de cre di#!&ne% De#i*&r- ce#t 6n#e7n" c"- 6n loc de
r7'&r# #old&l l #cden+"- client&l va datora 'ni '"ncii% Do'8nd #e !erce!e l #old&l
de'itor r"7# de !lt" ;i 6n 7od nor7l- #e clc&le9" 9ilnic%
Creditele 6n de#co!erit de cont #e cord"- 6n 7od nor7l- !er#onelor B&ridice !entr&
le B&t #" $c" $+" #it&+iilor 6n cre 'nii de l de'itori n& & $o#t 6nc#+i 6nc"- ir
$&rni9orii &r7e9" $i c)it+i% Pentr& !er#onele $i9ice- creditele 6n de#co!erit de cont !ot
$i cordte- de eCe7!l&- !entr& #i*&r $ond&ri client&l&i !8n" l !ri7ire #lri&l&i%
De re*&l"- creditele 6n de#co!erit de cont n& #e cord" !entr& 4i B&t !e clien+i- #"
c)i9i+ione9e ctive- 6n #!ecil dc" r7'&r#re e#te !e ter7en l&n*% <n c9&l &nor #t$el de
cereri e#te decvt &n credit l ter7en% Prin cordre &n&i credit la termen! 'nc
vn#e9" o #&7" $iC" de 'ni 3credit&l5 cre &r7e9" $i r7'&r#t" 6n rte- !e o !eriod"
de ti7! convenit" 3ter7en&l5% De o'icei- ce#t #e #i*&r" clien+ilor !er#one B&ridice !entr&
4i #!riBini #" c)i9i+ione9e ctive !entr& de9voltre ctivit"+ii lor%
Un credit !e ter7en e;lone9" co#t&l ctiv&l&i !e o !eriod" decvt"O de o'icei- o
!eriod" ce n& de!";e;te d&rt de $olo#in+" ctiv&l&i 6n c&9"% R7'&r#"rile #e !ot $ce
l&nr- tri7e#tril- #e7e#tril #& n&l%
Do'8nd l credit vri9" 6n $&nc+ie de tC o$icil" #cont&l&i: 'nc d&*" &n
n&7it !rocent- ne*ocit c& client&l 6n 7o7ent&l 6nc)eierii contrct&l&i de credit% Do'8nd
e#te de'itt" tri7e#tril din cont&l c&rent l client&l&i- #& e#te d&nt" l credit% C re9&ltt
l conc&ren+ei cre#c8nde- creditele !e ter7en #&nt o$erite din ce 6n ce 7i 7&lt l o rt" $iC"
do'8n9ii- 6n #!ecil 6n c9&l !er#onelor $i9ice ;i 6ntre!rin9"torilor 7ici ;i 7iBlocii%
/reditele punte *2ridging )oans+
Un credit !&nte e#te &n credit !e ter7en #c&rt- cordt &n&i client cre 6;i c&7!"r" o
c#" no&"- v8n98nd vec)e !ro!riette% <ntr&c8t c&7!"rre ;i v8n9re celor do&"
!ro!riet"+i & loc- de re*&l"- 6n 7o7ente di$erite- '"ncile o$er" credite punte !entr&
!er7ite clien+ilor #" !rocede9e l c&7!"rre noii !ro!riet"+i- 6ninte de o vinde !e ce
eCi#tent"% Credit&l #e r7'&r#e9" din 'nii o'+in&+i !rin v8n9re vec)ii !ro!riet"+i%
<.I. 7arantarea #mprumuturilor
?arania e#te den&7ire *eneric" &tili9t" !entr& de#e7n orice 7etod"-
in#tr&7ent #& n*B7ent cce#ori& contrct&l&i de 67!r&7&t- !&# l di#!o9i+i #& e7i# 6n
$vore '"ncii- 6n virt&te contrct&l&i 6nc)eit- 6n 7"#&r" #" #i*&re 'nc de reli9re
cert" dre!t&rilor *rntte- re#!ectiv rec&!erre #&7elor 67!r&7&tte 3incl&#iv
do'8n9ile5- 6n c9&l ner7'&r#"rii ce#tor de c"tre de'itor%
Pornind de l cce!+i&ne dt" *rn+iei- o'li*+i din contrct&l de 67!r&7&t e#te
obligaia principal. <n virt&te ei- client&l e#te o'li*t #" r7'&r#e9e rtele #cdente ;i
do'8n9ile $erente l ter7enele convenite% (rn+i cer&t" #&!li7entr de 'nc" d" n;tere
unei a doua relaii! #ec&ndre: dc" o'li*+i ini+il #&7t" n& $o#t 6nde!linit"- 'nc
!ele9" l eCec&tre *rn+iei%
<n !rctic" eCi#t" 7i 7&lte ti!&ri de *rn+ii- $iecre ti! v8nd crcteri#tici ;i
&tili9"ri !ro!rii ;i nece#it8nd o doc&7entre #!eci$ic" !entr& !er7ite '"ncilor #"
'ene$icie9e de dre!t&ri !e cre ce#te *rn+ii le con$er"%
Cel #olicitt #" o$ere o *rn+ie #&!li7entr" '"ncii- !rivind 6nde!linire o'li*+iei de
r7'&r#re credit&l&i re- 6n !rinci!i&- do&" lterntive:
!ote *rnt c& '&n&ri 7terile- i7o'ile- teren&ri #& ctive $inncire !e cre
le !&ne l di#!o9i+i '"ncii- #&' $or7 i!otecii- *B&l&i- de!o9it&l&i 'ncr etc%-
ce#te $iind den&7ite garanii reale$
!ote !el l o ter+" !er#on" M n&7it" garant- cre #"4;i #&7e o'li*+i c" v
c)it dtori 3#& v de#!"*&'i '"ne;te 'nc5- 6n c9&l 6n cre cel !entr& cre
*rnte9" 3de'itor&l- client&l '"ncii5 n& 6;i 6nde!line;te o'li*+i #&7t" !rin
contrct&l de 67!r&7&t% In#tr&7ent&l *rnt"rii !ote $i 6n ce#t c9 #ci#ore de
*rn+ie 'ncr"- vl&l c7'il etc%- ce#te $"c8nd !rte din garaniile
personale.
Indi$erent de ti!&l *rn+iei 3rel" #& !er#onl"5- ce#t tre'&ie #" r"#!&nd"
n&7itor cerin+e de '9":
eCi#ten+ &n&i patrimoniu independent de rel+i contrct&l"- suficient de mare ;i
cert n timp! !entr& co!eri o'li*+i *rntt"O
*rn+i #" $ie #t$el conce!&t" 6nc8t #" #i*&re '"ncii dreptul i posibilitatea de a
o executa $"r" c de'itor&l #" #e !ot" o!&ne ce#tei eCec&t"riO
'nc- 6n clitte de 'ene$icir l *rn+iei- #" i'" #i*&rt" !o#i'ilitte de
transforma garania n bani! rapid i fr pierderi. A#t$el #!&#- *rn+i #" i'"
&n *rd ridict de lic)iditte- dc" tre'&ie eCec&tt" 6n c9&l 6n cre client&l n& 6;i
r7'&r#e9" dtori%
$rile implicate *n garanie
At&nci c8nd #e #olicit" o *rn+ie- de re*&l"- #e di#tin* trei !"r+i i7!licte:
0% @r!onatorul *rn+iei- cre e#te de'itor&l !rinci!l: el e#te cel c"r&i !rtener&l
de contrct 3de eCe7!l&- 6n contrct&l de credit- !rtener&l de contrct e 'nc ce
cord" credit&l5 6i #olicit" o *rn+ie% <n con#ecin+"- ordontor&l $ie o$er" o
*rn+ie din !ro!ri&l #"& !tri7oni& 3#&' $or7" de *B #& i!otec"5- $ie #olicit"
&n&i ter+ M *rnt M #" o$ere o *rn+ie- 6n loc&l l&i%
,% 'ene#iciarul *rn+iei e#te cel 6n $vore c"r&i #4 con#tit&it *rn+i- 6n c9&l
no#tr& 'nc% Bene$icir&l eCec&t" *rn+i- re#!ectiv 6nc#e9" 'nii cre re9&lt"
din v8n9re '&n&l&i- dc" de'itor&l !rinci!l n& ;i4 6nde!linit o'li*+i #&7t"
de r7'&r# 'nii%
.% ?arantul e#te de'itor&l #ec&ndr- cre 6n n&7ite c9&ri- !ote $i 6n#&;i de'itor&l
!rinci!l- c8nd *rnte9" c& '&n&rile #le- #& !ote $i &n ter+ 3o lt" 'nc"- o
lt" $ir7" #& in#tit&+ie5 cre *rnte9" c"- 6n c9&l ne6nde!linirii o'li*+iilor
de'itor&l&i !rinci!l- v 6nde!lini o'li*+i de !lt" #& de r7'&r#re #&7elor%
Deci- 6n rel+i de *rntre !ot !re:
dou persoane M 'ene$icir&l *rn+iei 3'nc5 ;i de'itor&l 3client&l '"ncii5- c8nd
ce#t din &r7" *rnte9" c& !ro!ri&l #"& !tri7oni& 3i!otec"- *B5- #&
trei persoane M c8nd de'itor&l !ele9" l o ter+" !er#on"- *rnt&l- c ce#t din
&r7" #" *rnte9e o'li*+i l&i de !lt"% <n 7'ele c9&ri- 'ene$icir&l e#te 'nc-
6n !o9i+ie de creditor%
Atributele unei bune garanii
<ninte de cce!t o *rn+ie- indi$erent de nt&r o'li*+iilor *rntte #&
in#tr&7ent&l de *rntre &tili9t- 'nc tre'&ie #" i'" 6n vedere trei #!ecte !rinci!le:
dre!t&l de !ro!rietteO
!er$ectre contrct&l&i de *rn+ieO
vlore *rn+iei%
(reptul !e proprietate
<ninte c &n client #" corde dre!t&ri #&!r &n&i '&n !e cre 'nc 6l cce!t" dre!t
*rn+ie- ce#t tre'&ie #" i'" drept de proprietate #&!r '&n&l&i re#!ectiv% Evident- n&
!ote $i n*Bt &n '&n 6n #i#te7&l de *rntre- dc" n& e#te !ro!riette cel&i ce4l o$er"
dre!t *rn+ie%
<n c9&l *rn+iilor rele- c&7 e#te i!otec- e#te i7!ortnt de ;ti&t dc" n& 7i eCi#t"
&n ter+ cre re n&7ite dre!t&ri #&!r '&n&l&i re#!ectiv% <n c9&l i!otecii- prioritatea
rangului #e deter7in" !rin !rioritte dtei l cre ce#t $o#t le*l 6n#cri#"% Ace#t l&cr&
e#te $orte i7!ortnt deorece- 6n c9 de eCec&tre #ilit" de'itor&l&i- creditorii i!otecri
#&nt !re$er+i ltor creditori% Ei 6;i rec&!ere9" 'nii din v8n9re '&n&l&i- 6n ordine
!riorit"+ii rn*&l&i%
De eCe7!l&- c8nd #e vinde &n '&n i7o'il v8nd #&!r l&i 7i 7&lte i!oteci- 'nii #e
vor rec&!er de c"tre creditorii i!otecri- 6n ordine rn*&l&i de i!otec" !e cre4l de+ine
$iecre% Deci- v $i c)itt" #&7 creditor&l&i cre de+ine i!otec de rn*&l I 3 $o#t 6n#cri#
le*l !ri7&l5- !oi- 6n ordine- cei c& i!otec" de rn*&l II- III etc%
<n con#ecin+"- '"ncile tre'&ie #" &r7"re#c" !er7nent '&n&rile l&te dre!t *rn+ie
;i #" c&no#c" event&lele i!oteci #&!r '&n&l&i re#!ectiv #& 7odi$ic"rile din ce#t !&nct
de vedere% <n c9&l 7i 7&ltor i!oteci- vlore '&n&l&i tre'&ie #" $ie #&$icient de 7re c
#" co!ere tote dtoriile *rntte c& &n&l ;i cel;i '&n i!otect%
Totodt"- #e !ote 6nt87!l c lte !er#one cre- direct #& indirect- #&nt #ocite
'&n&l&i ce $or7e9" o'iect&l *rn+iei- #" i'" n&7ite dre!t&ri% Dc"- de eCe7!l&- '"ncii i
#4 o$erit dre!t *rn+ie &n 'loc de !rt7ente- c)iri;ii eCi#ten+i !ot ve dre!t&ri !e
!eriod 6nc)irierii- cee ce 6n c9 de eCec&tre i!otecii !ote #" 67!iedice v8n9re
!rt7entelor%
Ace#t #!ect tre'&ie l&t 6n con#iderre ;i t&nci c8nd o !ro!riette co7&n" e#te
&tili9t" !entr& *rntre &n&i 67!r&7&t cordt n&7i 6n n&7ele &nei dintre !"r+i% Cel
7i $recvent eCe7!l& 6l con#tit&ie #it&+i #o+ilor cre de+in- o !ro!riette cre 6n#" e#te
$olo#it" dre!t *rn+ie !entr& o $cere e$ect&t" dor de &n&l dintre ei% Dc" !ro!rietr&l
$cerii 6l con#tr8n*e !e co!ro!rietr #" #e7ne9e !entr& *rntre &n&i credit- c& i7o'il&l
l cre #&nt co!ro!rietri- ce#t $!t !ote invlid dre!t&rile '"ncii de eCec&tre i!otecii%
Pro!rietr&l &n&i '&n !ote $i ltcinev dec8t 67!r&7&tt&l% <n !rctic"- de#e- &n
ter+ o$er" !ro!ri&l #"& !tri7oni& dre!t *rn+ie !entr& 67!r&7&t&l cordt de 'nc" &n&i
client% De eCe7!l&- &n !"rinte !ote *rnt 67!r&7&t&l cordt co!il&l&i #"&% Ace#t ti! de
*rntre e#te den&7it garania unui ter. <n concl&9ie- 6n 7"#&r 6n cre de'itor&l !ote
#e!r 6ntr4o $or7" le*l" o !rte din v&t&l #"& 3'&n&ri- ctive $inncire5- !e cre o !&ne
necondi+iont l di#!o9i+i '"ncii- el !ote $i garant. <n cel;i ti7!- el !ote !el l &n ter+
3cre n& e#te le*t !rin r!ort&l contrct&l5- 6n 7"#&r 6n cre !tri7oni&l ce#t&i
6nde!line;te condi+iile cer&te ;i 7intite 7i 6ninte%
3erfectarea contractului de garanie re!re9int" &n ter7en *eneric !entr& de#e7n
n#7'l&l ctivit"+ilor ;i cerin+elor i7!&#e de le*e ;i c"ror re#!ectre #i*&r" '"ncii
dre!t&rile #&!r *rn+iei con#tit&ite% Se di#tin* 7i 7&lte #!ecte le !er$ect"rii &nei
*rn+ii:
c&no;tere cadrului legal de $olo#ire *rn+iilor- t8t 6n #en#&l re#!ect"rii
le*ilor #!eci$ice 3de eCe7!l&- cod&l co7ercil- cod&l civil5- c8t ;i nor7elor
'ncreO
6nde!lire t&t&ror $or7lit"+ilor le*le !entr& c 'nc- 6n clitte de 'ene$icir l
*rn+iei- #" i'" #i*&rt" posibilitatea utilizrii rezultatelor executrii garaniei
3de eCe7!l&- !rin v8n9re5 6n c9&l c" 'nii tre'&ie rec&!er+iO
documentele !rivitore l *rn+ie tre'&ie #" $ie #t$el conce!&te #t$el 6nc8t #"
#i*&re '"ncii dre!t&l ;i !o#i'ilitte de o executa fr ca debitorul s se poat
opune$
con#tit&ire 3e7itere5 oric"rei *rn+ii !re#&!&ne n&7ite co#t&riO 'nc tre'&ie
#" le evalueze ;i #" #t'ile#c" cine le #&!ort"%
O'+inere ;i !er$ectre &nei *rn+ii e#te &n !roce# 6ndel&n*t% De cee- 'nc n&
tre'&ie #" corde &n credit cel&i cre l4 #olicitt dec8t 6n 7o7ent&l 6n cre !roce#&l de
!er$ectre *rn+iei e#te 6nc)eit #& de#t&l de vn#t !entr& c 'nc #" $ie #i*&r" de
!o#i'ilitte eCercit"rii dre!t&rilor #le #&!r *rn+iei%
4aloarea garaniei. E#te i7!ortnt c 'nc #" c&no#c"- c& certit&dine- vlore
tri'&it" *rn+iei 6n 7o7ent&l 6n cre !ro'" 67!r&7&t&l% Mi 7&lt dec8t t8t- e#te nece#r
c vlore *rn+iei #" $ie con#tnt" 6n ti7!- #t$el 6nc8t ce#t #" n& #cd" #&' #&7
dtort" 3!e tot" d&rt r7'&r#"rii5% Dc" !r #it&+ii 6n cre client&l n& !ote !l"ti #&7
l&t" c& 67!r&7&t- 'nc- !rin eCec&tre *rn+iei- !ote #"4;i rec&!ere9e 6n 6ntre*i7e
'nii d+i c& 67!r&7&t%
5xecutarea garaniei e#te ter7en&l &tili9t !entr& de#e7n !roced&r 6n &r7
c"rei *rn+i e#te trn#$or7t" 6n 'ni% Ade#e- eCec&tre *rn+iei o'li*" 'nc l
o'+inere &nei !ro'"ri din !rte tri'&nl&l&i !entr& c+ionre 6n B&dect" de'itor&l&i ;i
v8n9re l licit+ie '&n&l&i i7o'il i!otect% C re9&ltt l ce#tei c+i&ni- 'nc !ote
#&!ort c)elt&ieli cre vor red&ce 'ene$ici&l o'+in&t din *rn+ie 3dc" #t$el de c)elt&ieli n&
& $o#t l&te 6n con#ider+ie c8nd #t'ilit cre tre'&ie #" $ie vlore *rn+iei ce tre'&ie
o$erit" de client5%
<n !rctic"- '"ncile clc&le9" nivelul de acoperire #i*&rt de *rn+ie- 6n r!ort c&
vlore o'li*+iei *rntte% B&n&rile o$erite dre!t *rn+ie #&nt evl&te de #!ecili;ti i
'"ncii #& i &nor in#tit&+ii #!ecili9te% Din vlore '&n&rilor #t$el evl&te- '"ncile
clc&le9" &n n&7it !rocent cre con#tit&ie vlore *rn+iei% Nivel&l co!eririi re$lect"
eC!ieren+ '"ncii 6n !o#i'ilitte de 6nc# c8t 7i 7&lt dintr4&n n&7it ti! de *rn+ie- c
&r7re eCec&t"rii ei% <n #t'ilire nivel&l&i de co!erire 3 7"ri7ii !rocent&l&i5- 'nc
tre'&ie #" i'" 6n vedere c"- 6n c9&l 6n cre '&n&l tre'&ie v8nd&t- !ote n& v eCi#t cerere
!entr& #t$el de !rod&#e #&- !rin v8n9re &n&i #toc 7re- !re+&l #e !ote red&ce- $!t ce v
in$l&en+ ne*tiv #&7 ce tre'&ie o'+in&t"% Nivel&l #toc&l&i e#te de #e7ene de#eori
#&!revl&t de clien+i%
L&8nd 6n con#iderre to+i ce;ti $ctori- !rctic 'ncr" de7on#tre9" c" o 'nc" v
cord 67!r&7&t&ri- 6n 7od nor7l- #&' vlore #toc&l&i 7en+iont" 6n &lti7ele #it&+ii
cont'ile le $ir7ei 3de eCe7!l&- re!re9ent8nd 0/Z din vlore e#ti7t" #toc&l&i5% <n
c9&l eCec&t"rii &nei *rn+ii- 'nc n& tre'&ie #" #e '9e9e !e !o#i'ilitte o'+inerii vlorii
inte*rle *rn+iei- c& eCce!+i n&7err&l&i din de!o9it&l 'ncr% N&7ero#e *rn+ii &
vlori vri'ile% Cele 7i relevnte eCe7!le- 6n ce#t #en#- #&nt inve#ti+iile l '&r# de vlori
3 titl&rile de vlore5- #& de!o9itele 6n vl&t"% Si7ilr- !re+&rile teren&rilor ;i i7o'ilelor
$l&ct&e9"% Ace#te con#tit&ie lte r*&7ente 6n $vore deci9iei de #e l& 6n con#iderre
dor &n n&7it !rocent din vlore &nei *rn+ii% Ele7entele l c"ror !re+ vri9" $recvent
i7!&n '"ncii nece#itte reevl&"rii !eriodice *rn+iei- c)ir 9ilnic- dc" ri#c&l o B&#ti$ic"%
Un lt $ctor- cre devenit din ce 6n ce 7i i7!ortnt- !rive;te o'li*+iile re$eritore l
!ro!riet"+i- 6n #!ecil l !ro!riet"+ile ind&#trile% Dc" o 'nc" cce!tt dre!t *rn+ie o
$'ric" c& !ro$il c)i7ic- #4r !&te c 'nc #" tre'&i#c" #" #&!orte co#t&rile !rivind
!ol&re 7edi&l&i- dc" $cere d" $li7ent% C&no#c8nd #t$el de #it&+ii- '"ncile re$&9"-
de#e- *rn+iile de ce#t ti!- deorece co#t&rile de re7ediere e$ectelor !ol&"rii !ot $i t8t
de ridicte- 6nc8t #" cond&c" l $li7ent&l '"ncii%
'ipuri "e garanii
Cele 7i &9&le ti!&ri de *rn+ii #&nt:
*rn+i !rinci!l" creditor&l&iO
de!o9it&l 'ncrO
i!otecO
*B&l%
1. ?arania principal a cre!itorului
<n orice #i#te7 de dre!t- o'li*+i #&7t" !rin contrct e#te obligaia principal.
6arania principal a creditorului e#te con#crt" 6n le*i#l+ie #&' den&7ire de
drept de gaj general asupra tuturor bunurilor mobile sau imobile ale debitorului.
Dre!t&l de *B *enerl n& !re#&!&ne indi#!oni'ili9re '&n&rilor ce con#tit&ie
!tri7oni&l de'itor&l&i% Pentr& 'nc"- *rn+i !rinci!l" creditor&l&i !re#&!&ne cel !&+in
do&" ri#c&ri:
!ri7&l ri#c deriv" din dre!t&l de *B de cre #e '&c&r" to+i creditorii &n&i de'itor-
#t$el- 6n c9&l 6n cre o'li*+iile de !lt" #&7te de de'itori #&nt de vlori 7ri ;i
$+" de 7i 7&l+i creditori- !tri7oni&l !ote deveni in#&$icient !entr& co!eri
tote #&7ele dtorteO
l doile ri#c deriv" din $!t&l c" de'itor&l !ote- oric8nd- 6n#tr"in o !rte #&
6ntre*&l #"& !tri7oni&- ir 'nc 3creditor&l5 n& 7i !ote #"4;i rec&!ere9e
cren+ele%
L ce#te de9vntBe #e 7i !ote d"&* ;i $!t&l c"- 6n c9&l 6n cre de'itor&l
re$&9" #" !l"te#c"- e#te nece#r" c+ionre # 6n B&dect"% Ace#t de7er# !ote !re#&!&ne
c)elt&ieli 6n#e7nte ;i !eriod" 6ndel&n*t" !8n" l rec&!erre 'nilor de c"tre 'nc"O 6n
ce#t ti7!- de'itor&l di#!&ne 6n contin&re de !tri7oni&l #"&% (rn+i !rinci!l"
creditor&l&i !ote $i l&t" 6n con#iderre de '"nci n&7i 6n c9&l clien+ilor c& inte*ritte ;i
#it&+i $inncir" $orte '&n" ;i c&no#c&t" de 'nc"% Ri#c&rile in#olv'ilit"+ii de'itor&l&i
!ot $i evitte !rin #i#te7&l *rn+iilor- cre c&!rinde: de!o9it&l 'ncr- i!otec- *B&l etc%
2. (epo"itul bancar
L !ri7 vedere- depozitul bancar e#te o *rn+ie idel"% C& tote ce#te- clien+ii
cre o$er" dre!t *rn+ie &n de!o9it 'ncr n& #&nt de'itorii dori+i de 'nc"% De!o9it&l
'ncr 6nde!line;te cele 7i 7&lte din cerin+ele &nei *rn+ii:
e#te cce#i'il oric8ndO
#e con#tit&ie #&' $or7 &nei #&7e $iCe- c&no#c&t" de 'nc"O
6n c9&l 6n cre de!o9it&l e#te con#tit&it 6n lt" 7oned" dec8t ce 6n cre #4 dt
67!r&7&t&l- l #t'ilire nivel&l&i de!o9it&l&i dre!t *rn+ie 'nc tre'&ie #" i'"
6n vedere ri#c&rile re9&ltte din $l&ct&+iile c&r#&l&i de #c)i7' l celor do&"
7onede 37oned de!o9it&l&i ;i 7oned 6n cre #4 cordt 67!r&7&t&l5%
De9vntB&l de!o9it&l&i 'ncr e#te le*t de $!t&l c" o 'nc" n& !ote l& c
n*B7ent le*l de !lt"- 6n $vore &n&i ter+- !ro!riile #le !#ive% Ace#t neB&n# !ote $i
evitt dc" de!o9it&l e#te con#tit&it l lt" 'nc"% Bnc l cre eCi#t" cel de!o9it !ote
e7ite o *rn+ie 6n $vore '"ncii cre cord" 67!r&7&t&l%
7vantaje. <n c9&l 6n cre de!o9it&l #e con#tit&ie l o lt" 'nc"- 6n vedere e7iterii
de c"tre ce#t &n&i n*B7ent de !lt" 6n $vore '"ncii creditore- #&nt &tili9te de
$!t do&" *rn+ii:
0% *rn+i rel"- de!o9it&l 'ncr con#tit&it l o ter+" 'nc" 6n vedere #&7"rii
n*B7ent&l&i de !lt" $+" de 'nc creditoreO
,% *rn+i !er#onl"- re#!ectiv *rn+i de !lt"- doc&7ent&l !rin cre 'nc
de!o9itr" #e n*Be9" #" !l"te#c" '"ncii creditore- 6n c9&l 6n cre de'itor&l
re#!ectiv n& v r7'&r# credit&l% Ace#t" *rn+ie de !lt" #e re*"#e;te #&'
$or7 scrisorii de garanie bancar de rambursare a creditului.
%ezavantaje. <n evl&re c)elt&ielilor 'ncre #ocite con#tit&irii de!o9it&l&i ;i
e7iterii *rn+iei- !ot !re di$ic&lt"+i cre cond&c l cre;tere co#t&rilor credit&l&i%
.% Ipoteca e#te &n din $or7ele de *rntre cele 7i &tili9te% Ipoteca #erve;te
l *rntre o'li*+iilor de'itor&l&i $+" de creditor&l #"& !rintr4&n '&n i7o'il din !ro!ri&l
#"& !tri7oni&- n&7e de#e7nt !e cle le*l" 6n ce#t #co!% I!otec #e 7terili9e9"
!rintr4&n contract de ipotec- cre e#te &n contrct cce#ori& l contrct&l de creditre%
(rntre !l"+ii !rin i!otec"- 6n e#en+"- con#t" 6n cee c"- dc" l #cden+" de'itor&l
n& r7'&r#e9" rtele ;i o'li*+iile $erente- 'nc creditore 6n $vore c"rei $o#t
con#tit&it" i!otec !ote cere v8n9re '&n&l&i i!otect- ir din #&7 o'+in&t" #"4;i co!ere
cren+% <n ti7! ce !rel&re &nei !ro!riet"+i- derivt" din *rn+i !rinci!l" creditor&l&i-
e#te &n !roce# lent- !roced&r !e cre o !re#&!&ne eCec&tre i!otecii e#te reltiv #i7!l" ;i
direct"%
De re*&l"- !ro!riet"+ile 6;i 7en+in vlore 6n ti7!- de;i &neori- !re+&rile !ot $l&ct&
$orte 7&lt 6ntr4o !eriod" #c&rt"% Un #t$el de $eno7en #4 6nt87!lt 6n Mre Britnie 6n
&lti7ii ni i decen&l&i `@/ c8nd- d&!" o !eriod" de #cen#i&ne !e !i+ i7o'ilir"- &r7t
o red&cere 'r&#c" !re+&rilor- odt" c& re#tr8n*ere !ie+ei% <n cel conteCt- creditorii er& 6n
!o#e#i &nor *rn+ii c"ror vlore er #&' vlore #&7ei dtorte- ir &nii clien+i &
r"7# de'itori '"ncilor- c& dtorii cre de!";e& #e7ni$ictiv vlore !ro!riet"+ii lor
i7o'ilire 3c#e5 6n no& conB&nct&r" !ie+ei%
Ace#t" #it&+ie eC!lic" do&" dintre cele 7i i7!ortnte !ro'le7e ce tre'&ie l&te 6n
con#iderre 6n c9&l $olo#irii !ro!riet"+ilor dre!t *rn+ii% Pri7 e#te 7od&l de evl&re%
C)ir dc" #e o'+ine o evl&re !ro$e#ionl"- eveni7ente ne;te!tte 3c&7 r $i c&tre7&rele
#& 7odi$ic"rile !re+&rilor5 !ot 7odi$ic vlore rel" *rn+iilor 6ntr4&n #en# nedorit
3de;i vlore no7inl" r"78ne cee;i5% Pentr& #e evit !ierderile cre r re9&lt din
!rod&cere &nor eveni7ente ne!rev"9&te 3cl7it"+i- incendii etc%5- '&n&rile i!otecte #e
#i*&r" l o #ociette de #i*&rre- ir !oli+ de #i*&rre e#te ndo#t" l ordin&l '"ncii
creditore% Cellt" di$ic&ltte con#t" 6n ti7!&l con#ider'il nece#r v8n9"rii !ro!riet"+ii-
7i le# !e o !i+" i7o'ilir" 6n #t*nre #& !e cre #e 7ni$e#t" o #&!ro$ert" de i7o'ile
;i o cerere #c"9&t"%
Alte ele7ente ce tre'&ie nli9te #&nt: evol&+i co#t&rilor de 6ntre+inere
!ro!riet"+ilor- dre!t&rile oc&!n+ilor 3de eCe7!l&- c)iri;ii dintr4&n 'loc5- !ro!riet"+ile
6nc)irite 6n #i#te7 le#in*- #it&+ii cre li7ite9" $olo#ire !ro!riet"+ii ;i red&c !o#i'ilitte
de v8n9re%
7vantaje. Proce#&l !rel&"rii 6n *rn+ie e#te 'ine c&no#c&tO 'nc e#te !roteBt"O
!ro!riette i!otect" 6n $vore '"ncii n& !ote $i v8nd&t"O *rn+i e#te &;or de
identi$ict%
%ezavantaje. Pot eCi#t di$ic&lt"+i 6n evl&re *rn+iei ;i 6nt8r9ieri 6n eCec&tre i!otecii
3v8n9re ;i 6nc#re 'nilor5% Re!&nere 6n !o#e#ie !ro!riet"+ii !ote i7!lic re#!on#'ilit"+i ;i
co#t&ri #&'#tn+ile !entr& 'nc"%
4. ?ajul
6ajul! #!re deo#e'ire de i!otec"- !re#&!&ne 6n#tr"inre '&n&l&i ;i con#t" 6n re7itere
de c"tre de'itor 6n $vore creditor&l&i &n&i '&n mobil cre- 6n c9&l 6n cre dtori n& v
$i c)itt" l #cden+"- v $i v8nd&t ;i- din 'nii o'+in&+i #e v co!eri dtori de'itor&l&i%
/ontractul de gaj e#te &n contrct cce#ori& !entr& c" i7!lic" o o'li*+ie !rinci!l"
!e cre o *rnte9"- el &r78nd #ort ce#t&i 6n cee ce !rive;te eCi#ten+ ;i #tin*ere #%
Totodt" e#te &n contrct &nilterl- deorece cree9" o'li*+ii n&7i 6n #rcin creditorului
gajist- re#!ectiv de !"#tr '&n&l ;i de 4l re#tit&i d&!" ce $o#t !l"tit e$ectiv% Al"t&ri de
gajul de deposedare- le*i#l+i din +r no#tr" !er7ite gajul fr deposedare.
<n &lti7&l c9- '&n&rile r"78n 6n !o#e#i de'itor&l&i% Contrct&l de *B $"r"
de!o#edre e#te &n contract consensul! re7itere '&n&l&i ne7ico#tit&ind o condi+ie
eCi#ten+ei contrct&l&i% <n !rinci!i&- orice '&n !ote $i &tili9t dre!t *B% Pentr& cce!t &n
'&n dre!t *B- ce#t tre'&ie #" 6nde!line#c" n&7ite condi+ii:
'&n&l *Bt #" i'" o vlore 6nde#t&l"tore 6n r!ort c& cren+ *rntt"O
vlore #" $ie con#tnt" #& cre#c"tore 6n ti7!O
6n c9&l &n&i '&n 7teril- ce#t #" $ie #i*&rt l o #ociette de #i*&rre #&
de!o9itt #!re !"#trre l in#tit&+ii #!ecili9te%
C 6n c9&l i!otecii- '&n&rile *Bte 6;i !ot 7odi$ic vlore 6n ti7!% Din ce#t 7otiv- l
!rel&re &n&i '&n dre!t *B #e #t'ile;te &n n&7it !rocent din vlore # !entr&
co!erire *rn+iei 3!rctic 6ntre 0/4>/Z5 ;i #e !rocede9" l veri$icre ;i evl&re
l&nr" *rn+iei- 7i le# 6n c9&l *B&l&i $"r" de!o#edre 3cre !ote $i con#tit&it din
#toc&ri de 7terii !ri7e- #e7i$'ricte #& !rod&#e $inite5%
7vantaje. Ace#t ti! de *rn+ie e#te &;or de !rel&t de c"tre 'nc"O re &n cdr&
le*i#ltiv #t'ilit ;i c&no#c&t de !"r+ile i7!licteO clien+ii 6l !ot $olo#i dre!t *rn+ie
67!r&7&t&l&i !rin *Bre '&n&rilor inve#tite 6n $cere%
%ezavantaje. Evl&re '&n&rilor con#tit&ite dre!t *B e#te &neori di$icil"- 7i le#
din !&nct de vedere l evol&+iei viitoreO '&n&rile !ot Kdi#!"reL 3de eCe7!l&- c8nd #4 *Bt
&n #toc de 7terile5O di$ic&ltte v8n9"rii lor !e !i+" 3dtorit" evol&+iei !re+&rilor- li!#ei
c&7!"r"torilor intere#+i etc%5%
7a5ul asupra titlurilor "e cre"it
(B&l #&!r titl&rilor de credit 3c7'ii- 'ilete l ordin5 #e $ce !rin gir #& andosare! c&
cl&9 Kvlore 6n *rn+ieL #& o lt" cl&9" din cre #" re9&lte clr c" trn#7itere
6n#cri#&l&i re#!ectiv #4 $"c&t c& titl& de *B ;i n& 6n #co!&l trn#7iterii titl&l&i de credit
no&l&i de+in"tor% Titl&rile de credit !ot $i *Bte ;i !rin redctre &n&i 6n#cri# #e!rt-
6n#o+it de re7itere titl&rilor- !roced&r trn#7iterii !rin *ir ne$iind o'li*atorie.
Ace!tre titl&rilor de credit dre!t *B- !entr& $i #i*&rtorii- i7!&ne avalizarea lor
de c"tre &n *rnt 3de !re$erin+" lt" 'nc"5% A#t$el- 6n c9&l 6n cre de'itor&l 3tr#&l5 n&
!l"te;te- avalistul 3'nc ce vli9t5 v !l"ti 6n loc&l !ri7&l&i% <n c9&l vl&l&i- o
*rn+ie rel"- *B&l- e#te d&'lt" de o *rn+ie !er#onl"- dic" vl&l dt de &n ter+%
7a5ul asupra creanelor i "repturilor necorporale
Ade#e- de'itorii de+in 6n#cri#&ri cre eviden+i9" dre!t&l lor de 6nc# o #&7"-
doc&7ente cre 6n#" n& !ot $i trn#7i#e !rin *ir% A#t$el de eCe7!le #&nt acreditivele
documentare irevocabile de#c)i#e 6n $vore lor% Utili9re ce#tor dre!t *B !re#&!&ne
trn#7itere dre!t&l&i de 6nc#re !rin cesiune. Ce#i&ne #e $ce 6n $vore '"ncii
creditore- c& 7en+i&ne c" $o#t $"c&t" c& titlu de gaj$ dc" de'itor&l n& !l"te;te l
#cden+"- 'nc- 6n '9 titl&l&i ce#iont 3&n creditiv- de eCe7!l&5- e#te 6n 7"#&r" #"
6nc#e9e contrvlore ce#t&i 6n '9 doc&7entelor de!&#e de v8n9"tor 3eC!orttor5
!entr& 7r$ livrt"% De#i*&r- eCi#t" ri#c&l c doc&7entele !re9entte l 6nc#re !rin
creditiv- de c"tre client- #" n& $ie 6n ordine ;i deci- 'nc #" $ie 6n i7!o#i'ilitte de 4;i
6nc# 'nii%
7a5ul asupra titlurilor "e !aloare
At8t o'li*+i&nile c8t ;i c+i&nile de+i&n&te de client !ot $i *Bte% Proced&r *B&l&i
e#te di$erit" 6n $&nc+ie de ti!&l ce#tor:
c+i&nile ;i o'li*+i&nile nominative le $ir7elor !ot $i *Bte !rin trn#$er-
6n#cri#e 6n re*i#trele $ir7ei re#!ective c& 7en+i&ne K!entr& c&9" de *rn+ieLO
titl&rile de vlore l purttor #e !ot *B !rin #i7!l lor re7itere de l de'itor l
creditor%
<n !rctic" 6n#"- 6n 7'ele c9&ri- #e 6ntoc7e;te &n ct #cri# c& !reci9re !"r+ilor
i7!licte 3de'itor&l- creditor&l #& &n ter+- o lt" 'nc" de eCe7!l&5- den&7ire titl&l&i ;i
n&7"r&l&i de identi$icre l $iec"r&i titl&O vlore no7inl" $iec"r&i titl&- vlore
*rntt"- vlore de !i+" titl&rilor de vlore% Pro'le7 *B&l&i #&!r titl&rilor de
vlore e#te le*t" de !"#trre vlorii 6n ti7!- vlore cre e#te deter7int" de c&r#&l lor !e
!i+ $inncir"%
7a5ul asupra bunurilor mobile
B&n&rile de'itor&l&i 3de eCe7!l&- #toc&ri etc%5 !ot $i *Bte direct- 6n #en#&l *B"rii
e$ective ce#tor 6n $vore creditor&l&i 3#& &n&i ter+ indict de ce#t5- #& *Bre lor
#e !ote $ce !rin trn#7itere de c"tre de'itor titl&l&i ce re!re9int" 7r$ 3de eCe7!l&-
conosamentul! recipisa 0arant #& &n lt titlu de depozit+. <n c9&l cono#7ent&l&i- cre
e#te &n titl& de !ro!riette #&!r 7"r$ii- ndo#re l&i 6n l' #& l ordin&l '"ncii d" dre!t&l
ce#tei 3'"ncii5 c- l #cden+ credit&l&i- dc" de'itor&l n& !l"te;te- #" v8nd" 7r$ l cre
cono#7ent&l $ce re$erire%
Cod&l co7ercil ro78n !revede !o#i'ilitte con#tit&irii *B&l&i #&!r !rod&#elor
#ol&l&i- #&!r 7teriilor !ri7e ind&#trile- !rod&#elor 6n c&r# de $'ric+ie #& $inite ;i
!"#trte 6n $'rici #& de!o9ite% (B&l #e con#ider" con#tit&it !rin #in*&r&l e$ect l
contrct&l&i de *B- l dt 6ntoc7irii ct&l&i- 6n cre #e v !reci9 n&7"r&l- nt&r- clitte
;i loc&l &nde #e $l" *B&l- $"r" #e l& din !o#e#i de'itor&l&i 3*B $"r" de!o#edre5% ai 6n
ce#te c9&ri #e !"#tre9" ri#c&rile !entr& creditor: !"#trre vlorii 6n ti7! '&n&rilor-
di$ic&ltte trn#$or7"rii r!ide 6n 'ni lic)i9i etc%
<.J Ser!icii bancare oferite "e ctre Raiffeisen +an9
Servici&l NRi$$ei#en DirectL
Servici&l NMG Bn2in*L
Servici&l NRi$$ei#en OnlineL
S7rtel SMS
Pl"+i directe c"tre $&rni9ori
We#tern Union
S*RVICIU. DRI))*IS*N >IR*C'E
Servici&l e#te o$erit clientilor- !er#onelor $i9ice #i B&ridice #i !er7ite e$ect&re de
tr'9ctii 'ncre- o'tinere de in$or7tii de#!re #it&ti cont&rilor detin&te l Ri$$ei#en
Bn2 #i de#!re !rod&#e #i #ervicii o$erite de Ri$$ei#en Bn2 !rin inter7edi&l tele$on&l&i%
Ri$$ei#en Direct re!re9int o $cilitte o$erit clientilor Ri$$ei#en Bn2 de cce#
#i o!er in cont&rile lor $r $i nece#r de!l#re l 'nc- in conditii de #i*&rnt #i
con$identilitte%
Caracteristici:
O!erti&nile #i in$or7tiile di#!oni'ile !rin ce#t #ervici& #&nt:
0% O'tinere de in$or7tii #!eci$ice !rivind cont&rile detin&te l 'ncO
,% Trn#$er&ri de $ond&ri in lei din cont&rile tit&lr&l&i ctre:
4 cont&ri le #l detin&te l Ri$$ei#en Bn2 #& l lte 'nciO
4 cont&ri detin&te de lte !er#one l Ri$$ei#en 'n2 #& l lte 'nci%
.% Con#tit&ire #& lic)idre de de!o9ite l ter7enO
:% Sc)i7' vl&tr inrre cont&rile tit&lr&l&i 3tit&lr&l # $ie re9ident5O
=% De#c)idere de cont&ri c&rente #i e7itere crd&ri t#te ce#torO
>% De$inire #i 7odi$icre trn9ctiilor ti! N#tndin* orderL3trn#$er&ri !lni$icte5O
?% O'tinere de in$or7tii c& !rivire l !rod&#ele #i #erviciile o$erite de Ri$$ei#en
Bn2O
@% Trn#$er&ri de $ond&ri in vl&t intre cont&rile tit&lr&l&i%
!anta5e:
E#te #ervici&l de tele!)one4'n2in* !rin inter7edi&l cr&i- !elnd n&7r&l
n&7r&l *rt&it /@// @/, /, /,- i l di#!o9itie o *7 lr* de o!erti&ni
'ncre%
Ti7! econo7i#it in $vore ltor ctivitti M n& 7i e#te nece#r de!l#re l
#edi&l &nittii 'ncre !entr& ce#te o!erti&niO
(rntre di#cretiei- con$identilittii #i #i*&rntei in$or7tiilor !rin e7itere
&nor ele7ente de !er#onli9re &tili9tor&l&i3cod !in-crd (ril5O
Evident clr trn9ctiilor e$ect&te !rin intre7edi&l ce#t&i #ervici&-
doc&7entele $erente ce#tor trn9ctii $iind tri7i#e l &nitte teritoril &nde
e#te inrolt client&l- ir trn9ctiile #&nt evidentite in eCtr#ele de cont ce #&nt
tri7i#e l&nr tit&lr&l&iO
TCele #i co7i#ionele $erente o!erti&nilor e$ect&te !rin inter7edi&l ce#t&i
#ervici& #&nt l $el c cele !rcticte l *)i#eele 'ncii%
Conditii !entr& 'ene$ici de Ri$$ei#en Direct
Solicitnt&l tre'&ie:
4 # $ie client l Rei$$ei#en Bn2O
4 # #e7ne9e contrct&l !entr& #ervici&l NRi$$ei#en DirectL
S*RVICIU. D&K +N,IN7E
Servici&l NMG 'n2in*L Ri$$ei#en con#tit&ie &n no& cnl de cce# l clientilor l
cont&rile detin&te l Ri$$ei#en Bn2% Servici&l e#te di#!oni'il clientilor co7&ni Ri$$ei#en M
Vod$one #i Orn*e- 'onti #& &tili9tori de crtele !re!tite%
NMG 'n2in*L e#te o$erit clientilor !er#onelor $i9ice #i B&ridice #i !er7ite o'tinere
de in$or7tii #& *enerre de co7en9i !entr& reli9re de trn9ctii !rin inter7edi&l
7eni&l&i !recon$i*&rt in crtel SIM din tele$on&l 7o'il l clientilor%
In$or7tiile #i co7en9ile de reli9re trn9ctiilor di#!oni'ile !rin ce#t #ervici&
#&nt:
0% In$or7tii de#!re cont M #&nt di$erite in d&nctie de ti!&l cont&l&i:
4 cont c&rent
4 cont de!o9it
4 cont credit
,% Sold contO
.% MinieCtr# cont M #e $&rni9e9 in$or7tii re$eritore l &lti7ele = trn9ctii dintr4&n
cont: dor de'itri-dor creditri #& tote trn9ctiileO
:% Setri noti$icri4 !rin cre #e !ot ctiv-li#t #& n&l noti$icri c& #& $r li7it de
#&7 !entr&: de'itri- creditri- rt de do'nd- #cdere #old- rt l credit- cre#tere
#old- 7odo$icre #oldO
=% Reincrcre crtele tele$onice !re!ltiteO
>% Plt $ct&rilor Vod$one #i Orn*e 37Ci7 0/ $ct&ri Vod$one[ 0= $ct&ri Orn*e5O
?% C&r# vl&tr%Se le*e dt #i vl&t l cr&i c&r# #e dore#te% Dt n& !ote $i 7i
vec)e de 0 n% Vl&tele di#!oni'ile #&nt: EURQUSDQ(BPQCFFQFUF% Clientel v
!ri7i trei c&r#&ri de #c)i7': c&r# de #c)i7' BNR% C&r# c# de #c)i7' Ri$$ei#en
Bn2 c&7!rreQ c&r# de #c)i7' Ri$$ei#en Bn2 vn9re%
@% Convertor vl&tr% Se o'tine o conver#ie intre vl&te%A!licti v !er7ite le*ere
dtei l cre #e $ce clc&l&l4n& 7i vec)e de &n n%In 7e#B&l de r#!&n#- re9&ltt&l
conver#iei e#te clc&l&l !entr& c&r#&l de vn9re l !ri7ei vl&te in c&r# de
c&7!rre l celei de4 do&%In$or7ti e#te !entr& do& c&r#&ri: c&r# BNR #i c&r#
c# de #c)i7' Ri$$ei#en%
A% Sc)i7're !rol PIN 4 dor !entr& MG Bn2in* c& Vod$oneO
0/% Plti de &tilitti% In $&nctie de conventiile *rete c& $&rni9orii de &tilitti- #e !ot !lti
$ct&rQ!olit de #i*&rre !er#onl- ct #i $ct&rQ !olit de #i*&rre ltor
!er#one- dc client&l #!eci$ic ce#t cerint l 'nc%
00% Trn#$er&ri intr #i inter'ncre
0,% A$lre #old&l&i crd&rilor de credit> Ri$$ei#en Bn2%
!anta5e:
Ti7! econo7i#it4 n& 7i e#te nece#r de!l#re l #edi&l 'ncii !entr& $lre
detliilor de#!re #it&ti cont&rilor tit&lr&l&i #ervici&l&i #& !entr& reincrcre de
crteleQ !lti $ct&ri Vod$one%
Acce# direct- non4#to!- l in$or7tiile de#!re cont&rile detin&te- in$or7tiile $iind
di#!oni'ile ,: de ore din ,:- ? 9ile !e #!t7nO
Reincrcre crtelelor !re!ltite #i !ltile de $ct&ri Vod$one #i Orn*eO
(rntre di#cretiei- con$identilittii #i #i*&rntei in$or7tiilorO
Po#i'ilitte !#trrii in$or7tiilor i7!ortnte4 in 7e7ori tele$on&l&iO
A#i#tent non4#to!O
Me#Bele !ri7ite de ctre clienti !ot $i:
4 7e#Be tC'ile M #&nt !ri7ite de ctre client in &r7 &nei noti$icri #&
&nei intero*ti de cont%
4 Me#Be de erore4 n& #&nt tri$te% S&nt !ri7ite de ctre client in r7
&nei co7en9i eronte #& in c9&t in cre &tili9t o co7nd
netC'il%
ccesarea ser!iciului "e catre clienti
Acce#re #ervici&l&i # v $ce de !e &n tele$on 7o'il- !rin &tili9re &n&i 7eni&
dedict% Meni&l e#te !reinc#t !e crtel SIM% In vedere &tili9rii #ervici&l&i clientii vor
tre'&i # &tili9e9e &n SIM co7!ti'il%Inloc&ire SIM4&l&i #e v $ce *rt&it de ctre
Vod$oneQ Orn*e- l oricre dintre !&nctele de vn9re%
Con"itii pentru a bebeficia "e ser!iciu
Solicitnt&l tre'&ie:
4 # $ie client Ri$$ei#en Bn2O
4 # detin cel !&tin &n cont ctiv l Ri$$ei#en Bn2O
4 # $ie client Vod$one #& Orn*e4 'ont #& &tili9tor de crtele
!re!ltiteO
4 # &tili9e9e &n SIM co7!ti'il #ervici&l&i 3S7rt5O
4 # i' &n tele$on co7!ti'ilO
4 # #e7ne9e &n contrct 7o'ile 'n2in*O
4 # $ie ctivt !licti 7o'ile 'n2in*O
4 # #i*&re $ond&ri nece#re !entr& !lt #ervici&l&i%
Clientii cre #olicit #ervici&l NMG Bn2in*L vor $i inrolti in #i#te7& c& B&tor&l
!lictiei NMo'ile Bn2in*L- !lictie cre e#te di#!oni'il !e intrnet #i cre e#te
cce#'il !e '9 de &#er #i !rol% L inc)eiere contrct&l&i #e cce#e9 ce#t
!lictie #i #e co7!lete9 ecrnele cer&te- in !re9ent client&l&i%
Servici&l v $i di#!oni'il !entr& client ince!nd c& &r7tore 9i l&crtore d&! dt
inc)eierii contrct&l&i NMG BAn2in*L%
Costuri:
A'on7ent l&nr:
4 !er#one $i9ice: /%=/ E&roO
4 !er#one B&ridice: 0 E&roQ $rnco !entr& !c)et&l IMM%
Me#Be:
4 in$o #old #& 7inieCtr#: /-0= USD $r TVAO
4 in$o c&r# vl&tr: /-0= USD $r TVAO
4 trn9ctie re&#it: /-./ USD $t TVAO
4 trn9ctie re&#it: reincrcre crtelei !reltite #i !lt $ct&rii
Vod$one #i Orn*e4 $rnco%
S*RVICIU. DRI))*IS*N 1N.IN*E
Servici&l e#te o$erit clientilor !er#one $i9ice #i !er7ite e$ect&re de trn9ctii
'ncre- o'tinere de in$or7tii de#!re #it&ti cont&rilor detin&te l Ri$$ei#en Bn2 #i
de#!re !rod&#ele #i #erviciile o$erite de Ri$$ei#en Bn2 !rin inter7edi&l Internet&l&i%
7ccesul la serviciul 8aiffeisen &nline
!rin le*t&r eCi#tent !e #ite4&l: DDD%ri$$ei#en%ro
direct l dre# )tt!#:QQDDD%ri$$ei#enonline%ro
/aracteristici.
O!erti&nile #i in$or7tiile di#!oni'ile !rin ce#t #ervici& #&nt:
in$or7tii de#!re cont&ri detin&te l RB
!lti intr #& inter'ncre in Ron intre cont&rile !ro!rii #& le ltor tit&lriQ$&rni9ori
con#tit&ire de!o9ite
#c)i7'&ri vl&tre intre cont&rile !ro!rii
con#tit&ire contrcte P%D%F
7vantaje.
cce#i'ilitte: !er7nent 3,:ore din ,: ore- ? 9ile din ?5 !rin inter7edi&l oricr&i
co7!&ter conectt l internetO
co#t&ri 7ini7e: co7i#ione c& !n l =/Z 7i 7ici dect l *)i#eele 'nciiO
control: cce# l in$or7tii de#!re #it&ti cont&rilor #i cordre #i#tent non4
#to!O
econo7ie de ti7!: n& 7i e#te nece#r de!l#re l 'nc%
Costuri:
A'ont l&nr: 4 !er#one $i9ice 0 e&ro
Plti: 4 intre cont&ri !ro!rii M $rnco
4 intr'ncre M 0 le&
4 inter'ncre 4 .-0 lei
4 #ervici&l Plti Directe F&rni9ori M 0-= lei
S&R' S&S
S7rtel SMS 6+i o$er" in$or7+ii de#!re cont3 c&rent- crd- de!o9it- credit5 #&' $or7"
de 7e#Be !e ecrn&l tele$on&l&i 7o'il- 'ont Orn*e- ConneC- Co#7oro7- 1!!%
In$or7+iile #e !ot o'+ine !rin 7e#Be l >@0 !entr& Orn*e- ConneC- 1!!- ;i l 0>@0
!entr& Co#7oro7%
AVANTAPE
Per7ite cce# direct- non #to! - l in$or7+iile de#!re cont
Servici&l $leCi'il ;i 7o'il
O!+i&ne !entr& #olicitre in$or7+iilor l cerere #& c& o n&7it" $recven+"
O$er" in$or7+ii c6nd client&l #e $l" 6n #tr"in"tte !rin #ervici&l de ro7in*
Ri$$ei#en v" !ro!&ne do&" vrinte de tri$re
Vrint A4 'on7ent l&nr /-. USD- tri$ de /-0@ USD !e 7e#B
Vrint B4$"r" 'on7ent- c& tri$ /-,: USD !e 7e#B
P./LI >IR*C'* C/'R* )URNI61RI
Se !ote e$ect& &to7t !lt $ct&rilor !ri7ite de l $&rni9orii de &tilit"+i3 tele$on-
ene*ie-!"- *9e5
AVANTAPE
Econo7i#ire de ti7! 6n $vore ltor ctivit"+i
Plt #e !ote $ce !rin trn#$er 'ncr $"r" n&7err
Fct&r vine 6n contin&re l do7icili&l client&l&i
ECtr#&l de cont dovede;te !l"+ile
Se !ote re$&9 !lt- 6n vn#- !rintr4o cerere
Co#t&ri 7ini7e4 de!&nere 'ncr" $"r" co7i#ion- trn#$er 'ncr c& &n
co7i#ion #c"9&t
Co7i#ion !entr& $iecre !lt" e#te de >-=// lei
N& #e d7it !l"+ile !r+ile% Pl"+ile #e $c dor 6n c9&l 6n cre 6n cont #e $l"
#&7 de !l"tit [ co7i#ion&l 'ncr
=*S'*RN UNI1N
Ri$$ei#en Bn2 v" o$er" #ervici&l de trn#$er&ri r!ide de 'ni !rin inter7edi&l
We#tern Union % Ace#t #ervici& !er7ite trn#$er&l electronic de n&7err de l oricre din
*en+ii We#tern Union- !&t6nd&4#e !ri7i #& tri7ite 'ni ori&nde 6n l&7e- $r" #e $olo#i
cont&ri 'ncre- crti de credit #& ordine de !lt%
'erviciul 9estern :nion v ofer.
=ill Call 4 MoneG Trn#$er: trn#$er&ri 6ntre !er#one $i9ice% Per7ite clien+ilor #"
tri7it" ;i #" !ri7e#c" 'ni- !rin inter7edi&l oric"r&i *ent We#tern Union- ori&nde
6n l&7e- 6n c6tev 7in&te
Muic9 PaN 4 cel 7i r!id- #i*&r ;i de7n de 6ncredere 7iBloc de !lt" $olo#it !entr&
c o co7!nie #" !ri7e#c" #&7e de 'ni trn#7i#e de clien+ii #"i din 6ntre* l&7e%
Ace#te $ond&ri !ri7ite de !er#onele B&ridice #tr"ine- 6nre*i#trte 6n #i#te7&l We#tern
Union- vor $i direct de!o9itte 6n cont&l 'ncr l ce#tor%
Muic9 Cas( 4 #ervici& ce o$er" o 7odlitte #i*&r" ;i r!id !entr& o co7!nie de
tri7ite $ond&ri- !rin inter7edi&l retelei We#tern Union- clientilor #i #& #lri+ilor
#"i ori&nde 6n l&7e%
7vantajele serviciului We#tern Union
ccesibilitate: orice !er#on $i9ic #& B&ridic re cce# l #ervici&l We#tern
Union- con$or7 re*le7entrilor 6n vi*ore%
Simplitatea folosirii: #&7ele #e !ot trn#7ite !rin rete& We#tern Union !rin
#i7!l co7!letre &n&i $or7&lr- 6n li7it !l$onelor #t'ilite
%Siguranta: #i#te7&l in$or7ti9t l retelei We#tern Union #i*&r 7Ci7 #ec&ritte
trn#$er&rilor%
Rapi"itate: 6nc#re 6n c8tev 7in&te #&7elor eC!edite- 6n orice colt l l&7ii-
We#tern Union $iind cel 7i r!id #i#te7 de trn#$er l 'nilor 6n ce#t 7o7ent 3in
7Ci70/ 7in% de l de!&nere5%
/ui se adreseaz ;
o7enilor $l+i 6n #it&+ii critice 3!ierdere #& $&rt&l 'nilor- cr+ilor de credit
#& cec&rilor de c"l"torie5O
!rin+ilor cre tri7it 'ni co!iilor $l+i 6n c"l"torie #& l #t&dii 6n #tr"in"tteO
!er#onelor #t'ilite 6n #tr"intte cre tri7it re*&lt 'ni r&delor din +r"O
!er#onelor cre l&cre9" 6n #tr"in"tte ;i cre tri7it 'ni c#"
o7enilor de $ceri cre & nevoie &r*ent de 'ni !entr& c&7!"r"t&ri #& $ceri
6n ti7!&l c"l"toriilor 6n #tr"in"tte% <n #tr"intte- 'ene$icirii !ot $i t6t !er#one
$i9ice- c6t ;i B&ridice
/um procedai pentru a folosi serviciul 9estern :nion;
!er#on cre &r7e9" #" !ri7e#c"Q#" tri7it" o #&7" de 'ni #e !re9int" l ce
7i !ro!it" &nitte B"ncii cre o$er" #erviciile de trn#$er We#tern Union-
&nde tre'&ie #" !re9inte &n ct de identitte vl'il 3'&letin #& crte de identitte
!entr& re9iden+i ;i !;!ort !entr& nere9iden+i5 ;i #" co7!lete9e &n $or7&lrO
de#tintr&l &nor #&7e trn#7i#e tre'&ie #" c&no#c" n&7ele eC!editor&l&i- +r ;i
loclitte de &nde #4& tri7i# 'nii ;i #&7 trn#7i#"%
/are este preul utilizrii serviciului 9estern :nion;
co7i#ionele $erente e$ect&"rii trn#$er&rilor de n&7err #e !l"te#c de c"tre
eC!editor- 6n 7o7ent&l 6n cre 'nii #&nt de!&;i !entr& trn#$erO de;i
trn#$er&l !ote $i ini+it 6n di$erite vl&te- !lt #&7elor c"tre 'ene$iciri #e
reli9e9" n&7i 6n dolri SUAO
!entr& 'nii !ri7i+i- de#tintr&l&i n& i #e !erce! co7i#ione% (ril de
co7i#ione e#te #tndrd ;i e#te di#!oni'il" l #ediile &nit"+ilor B"ncii%
<n !re9ent ce#t #ervici& e#te di#!oni'il 6n A= de &nit+i 'ncre%
C1NC.U6II:
Raiffeisen +an9 e#te &n din cele 7i ren&7ite '"nci de !e teritori&l +rii
no#tre%
Ri$$ei#en Bn2 e#te lider&l !ie+ei 'ncre !rin clitte- din7i#7 #i
inovre%
Ri$$ei#en Bn2 !ote deveni 'nc" de !ri7" o!+i&ne !entr& clien+i ;i
!ote $i rec&no#c&t" c $iind lider&l !ie+ei 'ncre%
Ri$$ei#en Bn2 e#te &n !rtener de ter7en l&n* !entr& to+i clien+ii #"i-
o$erind o *7" co7!let" de #ervicii $inncire l #tndrde ridicte ;i *ener8nd &n
!ro$it !e c+i&ne !e#te 7edie%
E#te o 'nc" &niver#l"- !r+in8nd &n&i *r&! cre o$er" #ervicii $inncire
inte*rte 6n &r7"torele do7enii: 'ncr- 'nc de inve#ti+ii- nli9" ;i con#&ltn+"
$inncir"- le#in*- #i*&r"ri%
Stndrdele ridicte #e !lic" $iecr&i #!ect l ctivit"+ii no#tre: #ervicii ;i
!rod&#e de clitte- inve#ti+ii 6n in$r#tr&ct&r"- conce!t&l ori*inl Ri$$ei#en !entr&
I#&c&r#l 7odern"I- 7&lti!le cnle de di#tri'&+ie- inovre con#tnt" 6n cee ce
!rive;te !rod&#ele- #ol&+ii lterntive #& !er#onli9te nevoilor #!eci$ice le
clien+ilor no#tri%
Slo*n&lKREUaIM <MPREUNL o$er clientilor 6ncredere c lt&ri de
Ri$$ei#en Bn2 !ro!e tote !ro'le7e #e vor re9olv%
Prod&#ele ;i #erviciile #&nt o$erite clien+ilor !rin inter7edi&l 7##47edi-
internet&l&i3DDD%ri$$ei#en'n2%ro5 !lintelor ;i de c"tre !er#onl&l n*Bt 6n
centrele de de#$#&rre '"ncii%