{"id":1886805,"date":"2026-04-16T14:00:36","date_gmt":"2026-04-16T11:00:36","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1886805"},"modified":"2026-04-16T14:00:36","modified_gmt":"2026-04-16T11:00:36","slug":"bnr-lanseaza-cel-de-al-cincilea-numar-al-revistei-de-educatie-financiara","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1886805","title":{"rendered":"BNR lanseaz\u0103 cel de-al cincilea num\u0103r al revistei de educa\u021bie financiar\u0103"},"content":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/img.svnews.ro\/foto\/2026\/04\/16\/529539\/ebcc269154cc5ac5e5c2b8122.jpg”]<\/p>\n

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Banca Na\u021bional\u0103 a Rom\u00e2niei lanseaz\u0103, \u00een contextul Zilei Educa\u021biei Financiare (11 aprilie), cel de-al cincilea num\u0103r al Revistei de Educa\u021bie Financiar\u0103, cu tema Importan\u021ba economisirii \u00een via\u021ba economic\u0103 \u0219i social\u0103.<\/p>\n

Subiectul ales nu este \u00eent\u00e2mpl\u0103tor, ci dore\u0219te s\u0103 sublinieze, \u00eentr-un context economic \u0219i geopolitic marcat de incertitudini \u0219i provoc\u0103ri, tocmai importan\u021ba stabilit\u0103\u021bii financiare \u0219i a echilibrului, fie c\u0103 vorbim despre finan\u021bele personale sau cele publice.<\/p>\n

Invita\u021bii acestui num\u0103r al Revistei \u2013 reprezenta\u021bi ai autorit\u0103\u021bilor publice, ai mediului academic, economic \u0219i bancar \u2013 ofer\u0103 publicului interesat o serie de opinii \u0219i perspective privind importan\u021ba esen\u021bial\u0103 a economisirii \u00een societatea actual\u0103.<\/p>\n

\u00cen mesajul de deschidere, Cosmin Marinescu, Viceguvernator al B\u0103ncii Na\u021bionale a Rom\u00e2niei, arat\u0103 c\u0103 \u201eeconomisirea cultiv\u0103 valori morale \u0219i comportamente economice, precum r\u0103bdare, precau\u021bie, chibzuin\u021b\u0103, disciplin\u0103\u201d, insist\u00e2nd asupra ideii c\u0103 economisirea merit\u0103 reabilitat\u0103, \u00een pofida dominan\u021bei consumului din zilele noastre: \u201eEconomisirea \u0219i valorile responsabilit\u0103\u021bii economice trebuie reabilitate, astfel \u00eenc\u00e2t s\u0103 ghideze politicile publice c\u0103tre sustenabilitate financiar\u0103. Altminteri, se deschide insidios capcana populismului economic, iar politicile publice recurg doar la solu\u021bii facile, bazate pe consum \u0219i deficite bugetare, \u00een detrimentul investi\u021biilor \u0219i al echilibrelor macroeconomice.\u201d<\/p>\n

Prin urmare, \u201eeduca\u021bia financiar\u0103 trebuie s\u0103 reprezinte un obiectiv strategic pentru o societate civilizat\u0103, at\u00e2t \u00een ceea ce prive\u0219te cultivarea comportamentelor adecvate de economisire \u0219i investire, c\u00e2t \u0219i \u00een promovarea unor politici publice s\u0103n\u0103toase.\u201d<\/p>\n

Prof. univ. dr. Sorin Costreie, Consilier Preziden\u021bial pentru educa\u021bie \u0219i cercetare subliniaz\u0103 faptul c\u0103 tendin\u021bele consumeriste contemporane pot genera comportamente \u0219i atitudini ce submineaz\u0103 capacitatea de a economisi \u0219i amplific\u0103 vulnerabilitatea \u00een fa\u021ba riscurilor financiare. \u201eA economisi nu \u00eenseamn\u0103 a refuza prezentul, a nu te bucura de el aici \u0219i acum, ci a proiecta bucuria prezentului \u00een viitor. Economisirea creeaz\u0103 siguran\u021b\u0103 \u00eentr-o lume instabil\u0103. Crizele economice, pierderea unui loc de munc\u0103, problemele de s\u0103n\u0103tate sau evenimentele neprev\u0103zute nu mai sunt excep\u021bii, ci par constante ale existen\u021bei moderne. Economiile func\u021bioneaz\u0103 ca un mecanism de amortizare: \u00een caz de accident, ele reduc \u0219ocul \u0219i permit traversarea momentelor dificile f\u0103r\u0103 consecin\u021be financiare grave\u201d.<\/p>\n

\u00cen viziunea prof. univ. dr. Nicolae Istudor, Rectorul Academiei de Studii Economice din Bucure\u0219ti, \u201ccontextul economic actual, marcat de provoc\u0103ri ce deriv\u0103 dintr-o succesiune de evenimente, precum pandemia, criza energetic\u0103, conflictul militar Rusia \u2013 Ucraina, se caracterizeaz\u0103 prin incertitudine, tranzi\u021bii tehnologice, presiuni demografice \u0219i climatice\u201c. A\u0219adar, procesul economisirii este \u201cdeopotriv\u0103 comportament individual \u0219i mecanism colectiv de sus\u021binere a bun\u0103st\u0103rii societ\u0103\u021bii, c\u0103p\u0103t\u00e2nd importan\u021b\u0103 strategic\u0103 din perspectiva stabilit\u0103\u021bii economice la nivel individual \u0219i colectiv\u201d.<\/p>\n

Cristina Chiriac, Pre\u0219edintele Confedera\u021biei Na\u021bionale pentru Antreprenoriat Feminin atrage aten\u021bia asupra faptului c\u0103 \u201c\u00eentr-o lume dominat\u0103 de urgen\u021b\u0103, vitez\u0103 \u0219i recompens\u0103 imediat\u0103, economisirea pare, la prima vedere, un reflex al pruden\u021bei sau un exerci\u021biu de disciplin\u0103 personal\u0103\u201d, dar \u0219i c\u0103 aceasta are o component\u0103 puternic\u0103 de educa\u021bie, \u00eensemn\u00e2nd \u201ca c\u00e2\u0219tiga spa\u021biul necesar pentru a lua decizii deliberate, nu impulsive; pentru a planifica, nu doar a reac\u021biona, \u00een acest context economisirea devenind \u201cun mecanism de libertate decizional\u0103\u201c.<\/p>\n

Prof. univ. dr. Marilen Pirtea, Rectorul Universit\u0103\u021bii de Vest din Timi\u0219oara transmite c\u0103 economisirea trebuie s\u0103 fie \u201c\u00een\u021beleas\u0103 nu doar ca un demers individual, ci ca parte a unei culturi financiare moderne, iar importan\u021ba economisirii \u00een via\u021ba economic\u0103 \u0219i social\u0103 trebuie analizat\u0103 \u00eentr-un cadru conceptual integrat, care s\u0103 eviden\u021bieze rolul s\u0103u structural at\u00e2t la nivel microeconomic, c\u00e2t \u0219i macroeconomic\u201d, ar\u0103t\u00e2nd faptul c\u0103 \u201epromovarea economisirii, sus\u021binut\u0103 de politici macroeconomice coerente, educa\u021bie financiar\u0103 riguroas\u0103 \u0219i integrarea tehnologiilor emergente, reprezint\u0103 o condi\u021bie necesar\u0103 pentru consolidarea rezilien\u021bei economice\u201d.<\/p>\n

Ca reprezentant al industriei financiar-bancare, Gabriela Folcu\u021b, Director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u00a0transmite c\u0103 \u201ceconomisirea genereaz\u0103 cre\u0219terea siguran\u021bei financiare, protec\u021bie \u00eempotriva \u00eendator\u0103rii excesive, asigur\u0103 realizarea obiectivelor personale, independen\u021b\u0103 la v\u00e2rsta pension\u0103rii \u0219i rezilien\u021b\u0103 \u00een fa\u021ba crizelor. Numai prin economisire \u0219i investi\u021bii se creeaz\u0103 cercul virtuos al prosperit\u0103\u021bii, \u00een lipsa acesteia, singurul aspect predictibil fiind impredictibilitatea\u201d.<\/p>\n

Revista de Educa\u021bie Financiar\u0103 a BNR este un proiect editorial parte a Strategiei B\u0103ncii Na\u021bionale a Rom\u00e2niei \u00een domeniul educa\u021biei financiare 2025-2030 \u0219i este publicat pe website-ul oficial al b\u0103ncii centrale (link: https:\/\/www.bnr.ro\/13182-revista-de-educatie-financiara<\/a> )<\/p>\n<\/div>\n

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Banca Na\u021bional\u0103 a Rom\u00e2niei lanseaz\u0103, \u00een contextul Zilei Educa\u021biei Financiare (11 aprilie), cel de-al cincilea num\u0103r al Revistei de Educa\u021bie Financiar\u0103, cu tema Importan\u021ba economisirii \u00een via\u021ba economic\u0103 \u0219i social\u0103.<\/p>\n

Subiectul ales nu este \u00eent\u00e2mpl\u0103tor, ci dore\u0219te s\u0103 sublinieze, \u00eentr-un context economic \u0219i geopolitic marcat de incertitudini \u0219i provoc\u0103ri, tocmai importan\u021ba stabilit\u0103\u021bii financiare \u0219i a echilibrului, fie c\u0103 vorbim despre finan\u021bele personale sau cele publice.<\/p>\n

Invita\u021bii acestui num\u0103r al Revistei \u2013 reprezenta\u021bi ai autorit\u0103\u021bilor publice, ai mediului academic, economic \u0219i bancar \u2013 ofer\u0103 publicului interesat o serie de opinii \u0219i perspective privind importan\u021ba esen\u021bial\u0103 a economisirii \u00een societatea actual\u0103.<\/p>\n

\u00cen mesajul de deschidere, Cosmin Marinescu, Viceguvernator al B\u0103ncii Na\u021bionale a Rom\u00e2niei, arat\u0103 c\u0103 \u201eeconomisirea cultiv\u0103 valori morale \u0219i comportamente economice, precum r\u0103bdare, precau\u021bie, chibzuin\u021b\u0103, disciplin\u0103\u201d, insist\u00e2nd asupra ideii c\u0103 economisirea merit\u0103 reabilitat\u0103, \u00een pofida dominan\u021bei consumului din zilele noastre: \u201eEconomisirea \u0219i valorile responsabilit\u0103\u021bii economice trebuie reabilitate, astfel \u00eenc\u00e2t s\u0103 ghideze politicile publice c\u0103tre sustenabilitate financiar\u0103. Altminteri, se deschide insidios capcana populismului economic, iar politicile publice recurg doar la solu\u021bii facile, bazate pe consum \u0219i deficite bugetare, \u00een detrimentul investi\u021biilor \u0219i al echilibrelor macroeconomice.\u201d<\/p>\n

Prin urmare, \u201eeduca\u021bia financiar\u0103 trebuie s\u0103 reprezinte un obiectiv strategic pentru o societate civilizat\u0103, at\u00e2t \u00een ceea ce prive\u0219te cultivarea comportamentelor adecvate de economisire \u0219i investire, c\u00e2t \u0219i \u00een promovarea unor politici publice s\u0103n\u0103toase.\u201d<\/p>\n

Prof. univ. dr. Sorin Costreie, Consilier Preziden\u021bial pentru educa\u021bie \u0219i cercetare subliniaz\u0103 faptul c\u0103 tendin\u021bele consumeriste contemporane pot genera comportamente \u0219i atitudini ce submineaz\u0103 capacitatea de a economisi \u0219i amplific\u0103 vulnerabilitatea \u00een fa\u021ba riscurilor financiare. \u201eA economisi nu \u00eenseamn\u0103 a refuza prezentul, a nu te bucura de el aici \u0219i acum, ci a proiecta bucuria prezentului \u00een viitor. Economisirea creeaz\u0103 siguran\u021b\u0103 \u00eentr-o lume instabil\u0103. Crizele economice, pierderea unui loc de munc\u0103, problemele de s\u0103n\u0103tate sau evenimentele neprev\u0103zute nu mai sunt excep\u021bii, ci par constante ale existen\u021bei moderne. Economiile func\u021bioneaz\u0103 ca un mecanism de amortizare: \u00een caz de accident, ele reduc \u0219ocul \u0219i permit traversarea momentelor dificile f\u0103r\u0103 consecin\u021be financiare grave\u201d.<\/p>\n

\u00cen viziunea prof. univ. dr. Nicolae Istudor, Rectorul Academiei de Studii Economice din Bucure\u0219ti, \u201ccontextul economic actual, marcat de provoc\u0103ri ce deriv\u0103 dintr-o succesiune de evenimente, precum pandemia, criza energetic\u0103, conflictul militar Rusia \u2013 Ucraina, se caracterizeaz\u0103 prin incertitudine, tranzi\u021bii tehnologice, presiuni demografice \u0219i climatice\u201c. A\u0219adar, procesul economisirii este \u201cdeopotriv\u0103 comportament individual \u0219i mecanism colectiv de sus\u021binere a bun\u0103st\u0103rii societ\u0103\u021bii, c\u0103p\u0103t\u00e2nd importan\u021b\u0103 strategic\u0103 din perspectiva stabilit\u0103\u021bii economice la nivel individual \u0219i colectiv\u201d.<\/p>\n

Cristina Chiriac, Pre\u0219edintele Confedera\u021biei Na\u021bionale pentru Antreprenoriat Feminin atrage aten\u021bia asupra faptului c\u0103 \u201c\u00eentr-o lume dominat\u0103 de urgen\u021b\u0103, vitez\u0103 \u0219i recompens\u0103 imediat\u0103, economisirea pare, la prima vedere, un reflex al pruden\u021bei sau un exerci\u021biu de disciplin\u0103 personal\u0103\u201d, dar \u0219i c\u0103 aceasta are o component\u0103 puternic\u0103 de educa\u021bie, \u00eensemn\u00e2nd \u201ca c\u00e2\u0219tiga spa\u021biul necesar pentru a lua decizii deliberate, nu impulsive; pentru a planifica, nu doar a reac\u021biona, \u00een acest context economisirea devenind \u201cun mecanism de libertate decizional\u0103\u201c.<\/p>\n

Prof. univ. dr. Marilen Pirtea, Rectorul Universit\u0103\u021bii de Vest din Timi\u0219oara transmite c\u0103 economisirea trebuie s\u0103 fie \u201c\u00een\u021beleas\u0103 nu doar ca un demers individual, ci ca parte a unei culturi financiare moderne, iar importan\u021ba economisirii \u00een via\u021ba economic\u0103 \u0219i social\u0103 trebuie analizat\u0103 \u00eentr-un cadru conceptual integrat, care s\u0103 eviden\u021bieze rolul s\u0103u structural at\u00e2t la nivel microeconomic, c\u00e2t \u0219i macroeconomic\u201d, ar\u0103t\u00e2nd faptul c\u0103 \u201epromovarea economisirii, sus\u021binut\u0103 de politici macroeconomice coerente, educa\u021bie financiar\u0103 riguroas\u0103 \u0219i integrarea tehnologiilor emergente, reprezint\u0103 o condi\u021bie necesar\u0103 pentru consolidarea rezilien\u021bei economice\u201d.<\/p>\n

Ca reprezentant al industriei financiar-bancare, Gabriela Folcu\u021b, Director executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u00a0transmite c\u0103 \u201ceconomisirea genereaz\u0103 cre\u0219terea siguran\u021bei financiare, protec\u021bie \u00eempotriva \u00eendator\u0103rii excesive, asigur\u0103 realizarea obiectivelor personale, independen\u021b\u0103 la v\u00e2rsta pension\u0103rii \u0219i rezilien\u021b\u0103 \u00een fa\u021ba crizelor. Numai prin economisire \u0219i investi\u021bii se creeaz\u0103 cercul virtuos al prosperit\u0103\u021bii, \u00een lipsa acesteia, singurul aspect predictibil fiind impredictibilitatea\u201d.<\/p>\n

Revista de Educa\u021bie Financiar\u0103 a BNR este un proiect editorial parte a Strategiei B\u0103ncii Na\u021bionale a Rom\u00e2niei \u00een domeniul educa\u021biei financiare 2025-2030 \u0219i este publicat pe website-ul oficial al b\u0103ncii centrale (link: https:\/\/www.bnr.ro\/13182-revista-de-educatie-financiara<\/a> )<\/p>\n<\/div>\n

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[analyse_image type=”featured” src=”https:\/\/img.svnews.ro\/foto\/2026\/04\/16\/529539\/ebcc269154cc5ac5e5c2b8122.jpg”] Banca Na\u021bional\u0103 a Rom\u00e2niei lanseaz\u0103, \u00een contextul Zilei Educa\u021biei Financiare (11 aprilie), cel de-al cincilea num\u0103r al Revistei de Educa\u021bie Financiar\u0103, cu tema Importan\u021ba economisirii \u00een via\u021ba economic\u0103 \u0219i social\u0103. Subiectul ales nu este \u00eent\u00e2mpl\u0103tor, ci dore\u0219te s\u0103 sublinieze, \u00eentr-un context economic \u0219i geopolitic marcat de incertitudini \u0219i provoc\u0103ri, tocmai importan\u021ba stabilit\u0103\u021bii […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,175],"class_list":["post-1886805","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-svnews-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1886805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1886805"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1886805\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1886805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1886805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1886805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}