{"id":2064569,"date":"2026-07-24T19:18:08","date_gmt":"2026-07-24T16:18:08","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2064569"},"modified":"2026-07-24T19:18:08","modified_gmt":"2026-07-24T16:18:08","slug":"precizari-privind-securitatea-cibernetica-a-sistemului-financiar-si-rolul-numerarului","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2064569","title":{"rendered":"Preciz\u0103ri privind securitatea cibernetic\u0103 a sistemului financiar \u0219i rolul numerarului"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/infotulcea.ro\/wp-content\/uploads\/2021\/11\/bulina.png&#8221;]<\/p>\n<div id=\"content\" class=\"site-content container\">\n<div id=\"main-content-row\" class=\"tie-row main-content-row\">\n<div class=\"main-content tie-col-md-8 tie-col-xs-12\" role=\"main\">\n<article id=\"the-post\" class=\"container-wrapper post-content tie-standard\">\n<header class=\"entry-header-outer\">\n<nav id=\"breadcrumb\"><a href=\"https:\/\/infotulcea.ro\/\"> Home<\/a><em class=\"delimiter\">\/<\/em><a href=\"https:\/\/infotulcea.ro\/categorie\/comunicate\/\">Comunicate<\/a><em class=\"delimiter\">\/<\/em><span class=\"current\">Preciz\u0103ri privind securitatea cibernetic\u0103 a sistemului financiar \u0219i rolul numerarului<\/span><\/nav>\n<div class=\"entry-header\"><span class=\"post-cat-wrap\"><a class=\"post-cat tie-cat-35\" href=\"https:\/\/infotulcea.ro\/categorie\/comunicate\/\">Comunicate<\/a><\/span><\/p>\n<h1 class=\"post-title entry-title\">\n\t\t\tPreciz\u0103ri privind securitatea cibernetic\u0103 a sistemului financiar \u0219i rolul numerarului\t\t<\/h1>\n<div class=\"single-post-meta post-meta clearfix\"><span class=\"author-meta single-author no-avatars\"><span class=\"meta-item meta-author-wrapper meta-author-9\"><span class=\"meta-author\"><a href=\"https:\/\/infotulcea.ro\/author\/redactia-2\/\" class=\"author-name tie-icon\" title=\"Redactia\">Redactia<\/a><\/span><\/span><\/span><span class=\"date meta-item tie-icon\">24 iulie 2026<\/span><\/p>\n<div class=\"tie-alignright\"><span class=\"meta-comment tie-icon meta-item fa-before\">0<\/span><span class=\"meta-views meta-item \"> 136 <\/span><span class=\"meta-reading-time meta-item\"> 2 minutes read<\/span><\/div>\n<\/div>\n<\/div>\n<\/header>\n<div class=\"entry-content entry clearfix\">\n<p><strong>La data de 7 iulie 2026, Comitetul European pentru Risc Sistemic (CERS) a publicat<\/strong><br \/><strong>Avertismentul CERS\/2026\/3 privind riscurile cibernetice sistemice generate de modelele de<\/strong><br \/><strong>inteligen\u021b\u0103 artificial\u0103 de frontier\u0103. Documentul arat\u0103 c\u0103 aceste modele pot spori viteza,<\/strong><br \/><strong>amploarea \u0219i gradul de sofisticare a atacurilor cibernetice \u0219i pot modifica structural profilul de<\/strong><br \/><strong>risc al sistemului financiar european. La elaborarea analizei tehnice care fundamenteaz\u0103<\/strong><br \/><strong>avertismentul din perspectiva stabilit\u0103\u021bii financiare au participat \u0219i exper\u021bi ai B\u0103ncii Na\u021bionale a<\/strong><br \/><strong>Rom\u00e2niei. Avertismentul este un instrument preventiv de politic\u0103 macropruden\u021bial\u0103, adresat<\/strong><br \/><strong>autorit\u0103\u021bilor \u0219i institu\u021biilor financiare \u00een vederea consolid\u0103rii rezilien\u021bei. Acesta nu anun\u021b\u0103<\/strong><br \/><strong>producerea unui incident \u0219i nu anticipeaz\u0103 inevitabilitatea unui blocaj sistemic a sectorului<\/strong><br \/><strong>financiar. Identificarea \u0219i comunicarea din timp a riscurilor reprezint\u0103 o condi\u021bie pentru<\/strong><br \/><strong>prevenirea acestora \u0219i pentru limitarea efectelor poten\u021biale.<\/strong><br \/>\nPreocuparea pentru aceste riscuri nu este una recent\u0103. BNR monitorizeaz\u0103 permanent riscurile<br \/>\nopera\u021bionale \u0219i cibernetice prin supravegherea institu\u021biilor de credit \u0219i a infrastructurilor pie\u021bei<br \/>\nfinanciare, analiza incidentelor raportate, misiuni de evaluare, chestionare \u0219i analize tematice<br \/>\nprivind digitalizarea \u0219i utilizarea inteligen\u021bei artificiale. Instrumentele folosite includ at\u00e2t<br \/>\nexerci\u021bii de testare la stres a sectorului bancar din perspectiva riscului cibernetic, c\u00e2t \u0219i, distinct,<br \/>\nteste avansate de rezilien\u021b\u0103 cibernetic\u0103. Aceste din urm\u0103 teste sunt efectuate cu regularitate,<br \/>\n\u00eenc\u0103 din 2024, de infrastructurile pie\u021bei financiare \u0219i de institu\u021biile de credit sistemice la nivel<br \/>\nna\u021bional \u0219i simuleaz\u0103 tehnicile utilizate de atacatori avansa\u021bi. Cel mai recent exerci\u021biu nu a<br \/>\neviden\u021biat vulnerabilit\u0103\u021bi opera\u021bionale semnificative la nivelul entit\u0103\u021bilor evaluate, institu\u021biile de<br \/>\ncredit fiind, \u00een general, preg\u0103tite s\u0103 activeze planurile de continuitate a activit\u0103\u021bii \u0219i procedurile<br \/>\nde gestionare a crizelor.<br \/>\nCadrul de reglementare european impune institu\u021biilor financiare obliga\u021bii stricte privind<br \/>\nrezilien\u021ba opera\u021bional\u0103 digital\u0103. Astfel, b\u0103ncile trebuie s\u0103 demonstreze nu doar c\u0103 dispun de<\/p>\n<p>2\/2<br \/>\nStr. Lipscani nr. 25, sector 3, Bucure\u0219ti, cod 030031, Rom\u00e2nia<br \/>\nT: +40 031 132 23 21 E: press@bnro.ro<br \/>\nwww.bnr.ro<br \/>\nm\u0103suri eficiente de protec\u021bie, ci \u0219i c\u0103 pot asigura continuitatea serviciilor critice sau, dup\u0103 caz,<br \/>\nrestabilirea lor rapid\u0103 \u00een urma unor incidente sau evenimente perturbatoare, prin testarea<br \/>\nperiodic\u0103 a capacit\u0103\u021bii lor opera\u021bionale.<br \/>\nNumerarul r\u0103m\u00e2ne \u00eens\u0103 o component\u0103 esen\u021bial\u0103 a sistemului monetar, iar asigurarea accesului<br \/>\npopula\u021biei \u0219i agen\u021bilor economici la numerar este una dintre preocup\u0103rile constante ale BNR, \u00een<br \/>\nconcordan\u021b\u0103 cu nevoile reale ale acestora. Accesul la numerar are un rol important \u00een<br \/>\nasigurarea particip\u0103rii la activit\u0103\u021bile economice, c\u00e2t \u0219i ca instrument de asigurare a incluziunii<br \/>\nfinanciare, \u00een special \u00een regiunile cu infrastructur\u0103 financiar\u0103 slab dezvoltat\u0103. Pe l\u00e2ng\u0103 rolul<br \/>\nimportant pe care numerarul \u00eel are \u00een circumstan\u021be normale, acesta se poate dovedi relevant \u00een<br \/>\nsitua\u021bii de criz\u0103, mai ales av\u00e2nd \u00een vedere intensificarea riscului cibernetic pe fondul evolu\u021biilor<br \/>\ngeopolitice. Tema special\u0103 privind accesul la numerar, publicat\u0103 de BNR \u00een Raportul asupra<br \/>\nstabilit\u0103\u021bii financiare din decembrie 2024, arat\u0103 c\u0103 numerarul \u00een circula\u021bie ajunsese la 120,3<br \/>\nmiliarde lei, iar gradul s\u0103u de disponibilitate era de 98 la sut\u0103. Re\u021beaua de bancomate acoperea<br \/>\naproximativ 13,4 milioane de persoane, respectiv 71 la sut\u0103 din popula\u021bia rezident\u0103 de peste 15<br \/>\nani, toate localit\u0103\u021bile urbane dispun\u00e2nd de cel pu\u021bin un bancomat. Raportat la popula\u021bie,<br \/>\nre\u021beaua din Rom\u00e2nia este comparabil\u0103 cu cea din Polonia \u0219i mai extins\u0103 dec\u00e2t cea din Cehia,<br \/>\nde\u0219i persist\u0103 diferen\u021be de acces \u00een zonele rurale.<br \/>\nNumerarul \u0219i serviciile financiare digitale trebuie privite ca instrumente complementare.<br \/>\nP\u0103strarea unor sume rezonabile \u00een numerar poate sprijini continuitatea pl\u0103\u021bilor esen\u021biale \u00een<br \/>\nsitua\u021bii excep\u021bionale, \u00eens\u0103 de\u021binerea unor sume mari \u00een afara sectorului bancar implic\u0103 riscuri de<br \/>\nfurt, pierdere sau distrugere, \u00een condi\u021biile \u00een care stabilitatea sistemului bancar rom\u00e2nesc este<br \/>\nun fapt dovedit. Depozitele eligibile beneficiaz\u0103 de protec\u021bia schemei de garantare \u00een limita<br \/>\nechivalentului a 100.000 euro pentru fiecare deponent, la fiecare banc\u0103.<br \/>\nAnaliza prudent\u0103 a riscurilor cibernetice nu trebuie, prin urmare, confundat\u0103 cu un \u00eendemn la<br \/>\nretragerea depozitelor sau la renun\u021barea la serviciile financiare digitale.<\/p>\n<\/div>\n<div id=\"post-extra-info\">\n<div class=\"theiaStickySidebar\">\n<div class=\"single-post-meta post-meta clearfix\"><span class=\"author-meta single-author no-avatars\"><span class=\"meta-item meta-author-wrapper meta-author-9\"><span class=\"meta-author\"><a href=\"https:\/\/infotulcea.ro\/author\/redactia-2\/\" class=\"author-name tie-icon\" title=\"Redactia\">Redactia<\/a><\/span><\/span><\/span><span class=\"date meta-item tie-icon\">24 iulie 2026<\/span><\/p>\n<div class=\"tie-alignright\"><span class=\"meta-comment tie-icon meta-item fa-before\">0<\/span><span class=\"meta-views 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src=\"https:\/\/infotulcea.ro\/wp-content\/uploads\/2025\/04\/banner-angajazate-1-500x305.jpg\" class=\"image wp-image-34317  attachment-medium size-medium\" alt><\/a><\/div>\n<\/div>\n<\/aside>\n<\/div>\n<\/div>\n<div class=\"entry-content entry clearfix\">\n<p><strong>La data de 7 iulie 2026, Comitetul European pentru Risc Sistemic (CERS) a publicat<\/strong><br \/><strong>Avertismentul CERS\/2026\/3 privind riscurile cibernetice sistemice generate de modelele de<\/strong><br \/><strong>inteligen\u021b\u0103 artificial\u0103 de frontier\u0103. Documentul arat\u0103 c\u0103 aceste modele pot spori viteza,<\/strong><br \/><strong>amploarea \u0219i gradul de sofisticare a atacurilor cibernetice \u0219i pot modifica structural profilul de<\/strong><br \/><strong>risc al sistemului financiar european. La elaborarea analizei tehnice care fundamenteaz\u0103<\/strong><br \/><strong>avertismentul din perspectiva stabilit\u0103\u021bii financiare au participat \u0219i exper\u021bi ai B\u0103ncii Na\u021bionale a<\/strong><br \/><strong>Rom\u00e2niei. Avertismentul este un instrument preventiv de politic\u0103 macropruden\u021bial\u0103, adresat<\/strong><br \/><strong>autorit\u0103\u021bilor \u0219i institu\u021biilor financiare \u00een vederea consolid\u0103rii rezilien\u021bei. Acesta nu anun\u021b\u0103<\/strong><br \/><strong>producerea unui incident \u0219i nu anticipeaz\u0103 inevitabilitatea unui blocaj sistemic a sectorului<\/strong><br \/><strong>financiar. Identificarea \u0219i comunicarea din timp a riscurilor reprezint\u0103 o condi\u021bie pentru<\/strong><br \/><strong>prevenirea acestora \u0219i pentru limitarea efectelor poten\u021biale.<\/strong><br \/>\nPreocuparea pentru aceste riscuri nu este una recent\u0103. BNR monitorizeaz\u0103 permanent riscurile<br \/>\nopera\u021bionale \u0219i cibernetice prin supravegherea institu\u021biilor de credit \u0219i a infrastructurilor pie\u021bei<br \/>\nfinanciare, analiza incidentelor raportate, misiuni de evaluare, chestionare \u0219i analize tematice<br \/>\nprivind digitalizarea \u0219i utilizarea inteligen\u021bei artificiale. Instrumentele folosite includ at\u00e2t<br \/>\nexerci\u021bii de testare la stres a sectorului bancar din perspectiva riscului cibernetic, c\u00e2t \u0219i, distinct,<br \/>\nteste avansate de rezilien\u021b\u0103 cibernetic\u0103. Aceste din urm\u0103 teste sunt efectuate cu regularitate,<br \/>\n\u00eenc\u0103 din 2024, de infrastructurile pie\u021bei financiare \u0219i de institu\u021biile de credit sistemice la nivel<br \/>\nna\u021bional \u0219i simuleaz\u0103 tehnicile utilizate de atacatori avansa\u021bi. Cel mai recent exerci\u021biu nu a<br \/>\neviden\u021biat vulnerabilit\u0103\u021bi opera\u021bionale semnificative la nivelul entit\u0103\u021bilor evaluate, institu\u021biile de<br \/>\ncredit fiind, \u00een general, preg\u0103tite s\u0103 activeze planurile de continuitate a activit\u0103\u021bii \u0219i procedurile<br \/>\nde gestionare a crizelor.<br \/>\nCadrul de reglementare european impune institu\u021biilor financiare obliga\u021bii stricte privind<br \/>\nrezilien\u021ba opera\u021bional\u0103 digital\u0103. Astfel, b\u0103ncile trebuie s\u0103 demonstreze nu doar c\u0103 dispun de<\/p>\n<p>2\/2<br \/>\nStr. Lipscani nr. 25, sector 3, Bucure\u0219ti, cod 030031, Rom\u00e2nia<br \/>\nT: +40 031 132 23 21 E: press@bnro.ro<br \/>\nwww.bnr.ro<br \/>\nm\u0103suri eficiente de protec\u021bie, ci \u0219i c\u0103 pot asigura continuitatea serviciilor critice sau, dup\u0103 caz,<br \/>\nrestabilirea lor rapid\u0103 \u00een urma unor incidente sau evenimente perturbatoare, prin testarea<br \/>\nperiodic\u0103 a capacit\u0103\u021bii lor opera\u021bionale.<br \/>\nNumerarul r\u0103m\u00e2ne \u00eens\u0103 o component\u0103 esen\u021bial\u0103 a sistemului monetar, iar asigurarea accesului<br \/>\npopula\u021biei \u0219i agen\u021bilor economici la numerar este una dintre preocup\u0103rile constante ale BNR, \u00een<br \/>\nconcordan\u021b\u0103 cu nevoile reale ale acestora. Accesul la numerar are un rol important \u00een<br \/>\nasigurarea particip\u0103rii la activit\u0103\u021bile economice, c\u00e2t \u0219i ca instrument de asigurare a incluziunii<br \/>\nfinanciare, \u00een special \u00een regiunile cu infrastructur\u0103 financiar\u0103 slab dezvoltat\u0103. Pe l\u00e2ng\u0103 rolul<br \/>\nimportant pe care numerarul \u00eel are \u00een circumstan\u021be normale, acesta se poate dovedi relevant \u00een<br \/>\nsitua\u021bii de criz\u0103, mai ales av\u00e2nd \u00een vedere intensificarea riscului cibernetic pe fondul evolu\u021biilor<br \/>\ngeopolitice. Tema special\u0103 privind accesul la numerar, publicat\u0103 de BNR \u00een Raportul asupra<br \/>\nstabilit\u0103\u021bii financiare din decembrie 2024, arat\u0103 c\u0103 numerarul \u00een circula\u021bie ajunsese la 120,3<br \/>\nmiliarde lei, iar gradul s\u0103u de disponibilitate era de 98 la sut\u0103. Re\u021beaua de bancomate acoperea<br \/>\naproximativ 13,4 milioane de persoane, respectiv 71 la sut\u0103 din popula\u021bia rezident\u0103 de peste 15<br \/>\nani, toate localit\u0103\u021bile urbane dispun\u00e2nd de cel pu\u021bin un bancomat. Raportat la popula\u021bie,<br \/>\nre\u021beaua din Rom\u00e2nia este comparabil\u0103 cu cea din Polonia \u0219i mai extins\u0103 dec\u00e2t cea din Cehia,<br \/>\nde\u0219i persist\u0103 diferen\u021be de acces \u00een zonele rurale.<br \/>\nNumerarul \u0219i serviciile financiare digitale trebuie privite ca instrumente complementare.<br \/>\nP\u0103strarea unor sume rezonabile \u00een numerar poate sprijini continuitatea pl\u0103\u021bilor esen\u021biale \u00een<br \/>\nsitua\u021bii excep\u021bionale, \u00eens\u0103 de\u021binerea unor sume mari \u00een afara sectorului bancar implic\u0103 riscuri de<br \/>\nfurt, pierdere sau distrugere, \u00een condi\u021biile \u00een care stabilitatea sistemului bancar rom\u00e2nesc este<br \/>\nun fapt dovedit. Depozitele eligibile beneficiaz\u0103 de protec\u021bia schemei de garantare \u00een limita<br \/>\nechivalentului a 100.000 euro pentru fiecare deponent, la fiecare banc\u0103.<br \/>\nAnaliza prudent\u0103 a riscurilor cibernetice nu trebuie, prin urmare, confundat\u0103 cu un \u00eendemn la<br \/>\nretragerea depozitelor sau la renun\u021barea la serviciile financiare digitale.<\/p>\n<\/div>\n<div class=\"articleBody\" data-key=\"articleBody\">La data de 7 iulie 2026, Comitetul European pentru Risc Sistemic (CERS) a publicat<br \/>\nAvertismentul CERS\/2026\/3 privind riscurile cibernetice sistemice generate de modelele de<br \/>\ninteligen\u021b\u0103 artificial\u0103 de frontier\u0103. Documentul arat\u0103 c\u0103 aceste modele pot spori viteza,<br \/>\namploarea \u0219i gradul de sofisticare a atacurilor cibernetice \u0219i pot modifica structural profilul de<br \/>\nrisc al sistemului financiar european. La elaborarea analizei tehnice care fundamenteaz\u0103<br \/>\navertismentul din perspectiva stabilit\u0103\u021bii financiare au participat \u0219i exper\u021bi ai B\u0103ncii Na\u021bionale a<br \/>\nRom\u00e2niei. Avertismentul este un instrument preventiv de politic\u0103 macropruden\u021bial\u0103, adresat<br \/>\nautorit\u0103\u021bilor \u0219i institu\u021biilor financiare \u00een vederea consolid\u0103rii rezilien\u021bei. Acesta nu anun\u021b\u0103<br \/>\nproducerea unui incident \u0219i nu anticipeaz\u0103 inevitabilitatea unui blocaj sistemic a sectorului<br \/>\nfinanciar. Identificarea \u0219i comunicarea din timp a riscurilor reprezint\u0103 o condi\u021bie pentru<br \/>\nprevenirea acestora \u0219i pentru limitarea efectelor poten\u021biale.<br \/>\nPreocuparea pentru aceste riscuri nu este una recent\u0103. BNR monitorizeaz\u0103 permanent riscurile<br \/>\nopera\u021bionale \u0219i cibernetice prin supravegherea institu\u021biilor de credit \u0219i a infrastructurilor pie\u021bei<br \/>\nfinanciare, analiza incidentelor raportate, misiuni de evaluare, chestionare \u0219i analize tematice<br \/>\nprivind digitalizarea \u0219i utilizarea inteligen\u021bei artificiale. Instrumentele folosite includ at\u00e2t<br \/>\nexerci\u021bii de testare la stres a sectorului bancar din perspectiva riscului cibernetic, c\u00e2t \u0219i, distinct,<br \/>\nteste avansate de rezilien\u021b\u0103 cibernetic\u0103. Aceste din urm\u0103 teste sunt efectuate cu regularitate,<br \/>\n\u00eenc\u0103 din 2024, de infrastructurile pie\u021bei financiare \u0219i de institu\u021biile de credit sistemice la nivel<br \/>\nna\u021bional \u0219i simuleaz\u0103 tehnicile utilizate de atacatori avansa\u021bi. Cel mai recent exerci\u021biu nu a<br \/>\neviden\u021biat vulnerabilit\u0103\u021bi opera\u021bionale semnificative la nivelul entit\u0103\u021bilor evaluate, institu\u021biile de<br \/>\ncredit fiind, \u00een general, preg\u0103tite s\u0103 activeze planurile de continuitate a activit\u0103\u021bii \u0219i procedurile<br \/>\nde gestionare a crizelor.<br \/>\nCadrul de reglementare european impune institu\u021biilor financiare obliga\u021bii stricte privind<br \/>\nrezilien\u021ba opera\u021bional\u0103 digital\u0103. Astfel, b\u0103ncile trebuie s\u0103 demonstreze nu doar c\u0103 dispun de<\/p>\n<p>2\/2<br \/>\nStr. Lipscani nr. 25, sector 3, Bucure\u0219ti, cod 030031, Rom\u00e2nia<br \/>\nT: +40 031 132 23 21 E: press@bnro.ro<br \/>\nwww.bnr.ro<br \/>\nm\u0103suri eficiente de protec\u021bie, ci \u0219i c\u0103 pot asigura continuitatea serviciilor critice sau, dup\u0103 caz,<br \/>\nrestabilirea lor rapid\u0103 \u00een urma unor incidente sau evenimente perturbatoare, prin testarea<br \/>\nperiodic\u0103 a capacit\u0103\u021bii lor opera\u021bionale.<br \/>\nNumerarul r\u0103m\u00e2ne \u00eens\u0103 o component\u0103 esen\u021bial\u0103 a sistemului monetar, iar asigurarea accesului<br \/>\npopula\u021biei \u0219i agen\u021bilor economici la numerar este una dintre preocup\u0103rile constante ale BNR, \u00een<br \/>\nconcordan\u021b\u0103 cu nevoile reale ale acestora. Accesul la numerar are un rol important \u00een<br \/>\nasigurarea particip\u0103rii la activit\u0103\u021bile economice, c\u00e2t \u0219i ca instrument de asigurare a incluziunii<br \/>\nfinanciare, \u00een special \u00een regiunile cu infrastructur\u0103 financiar\u0103 slab dezvoltat\u0103. Pe l\u00e2ng\u0103 rolul<br \/>\nimportant pe care numerarul \u00eel are \u00een circumstan\u021be normale, acesta se poate dovedi relevant \u00een<br \/>\nsitua\u021bii de criz\u0103, mai ales av\u00e2nd \u00een vedere intensificarea riscului cibernetic pe fondul evolu\u021biilor<br \/>\ngeopolitice. Tema special\u0103 privind accesul la numerar, publicat\u0103 de BNR \u00een Raportul asupra<br \/>\nstabilit\u0103\u021bii financiare din decembrie 2024, arat\u0103 c\u0103 numerarul \u00een circula\u021bie ajunsese la 120,3<br \/>\nmiliarde lei, iar gradul s\u0103u de disponibilitate era de 98 la sut\u0103. Re\u021beaua de bancomate acoperea<br \/>\naproximativ 13,4 milioane de persoane, respectiv 71 la sut\u0103 din popula\u021bia rezident\u0103 de peste 15<br \/>\nani, toate localit\u0103\u021bile urbane dispun\u00e2nd de cel pu\u021bin un bancomat. Raportat la popula\u021bie,<br \/>\nre\u021beaua din Rom\u00e2nia este comparabil\u0103 cu cea din Polonia \u0219i mai extins\u0103 dec\u00e2t cea din Cehia,<br \/>\nde\u0219i persist\u0103 diferen\u021be de acces \u00een zonele rurale.<br \/>\nNumerarul \u0219i serviciile financiare digitale trebuie privite ca instrumente complementare.<br \/>\nP\u0103strarea unor sume rezonabile \u00een numerar poate sprijini continuitatea pl\u0103\u021bilor esen\u021biale \u00een<br \/>\nsitua\u021bii excep\u021bionale, \u00eens\u0103 de\u021binerea unor sume mari \u00een afara sectorului bancar implic\u0103 riscuri de<br \/>\nfurt, pierdere sau distrugere, \u00een condi\u021biile \u00een care stabilitatea sistemului bancar rom\u00e2nesc este<br \/>\nun fapt dovedit. Depozitele eligibile beneficiaz\u0103 de protec\u021bia schemei de garantare \u00een limita<br \/>\nechivalentului a 100.000 euro pentru fiecare deponent, la fiecare banc\u0103.<br \/>\nAnaliza prudent\u0103 a riscurilor cibernetice nu trebuie, prin urmare, confundat\u0103 cu un \u00eendemn la<br \/>\nretragerea depozitelor sau la renun\u021barea la serviciile financiare digitale.<\/p><\/div>\n<p>[analyse_source url=&#8221;https:\/\/infotulcea.ro\/precizari-privind-securitatea-cibernetica-a-sistemului-financiar-si-rolul-numerarului\/&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/infotulcea.ro\/wp-content\/uploads\/2021\/11\/bulina.png&#8221;] Home\/Comunicate\/Preciz\u0103ri privind securitatea cibernetic\u0103 a sistemului financiar \u0219i rolul numerarului Comunicate Preciz\u0103ri privind securitatea cibernetic\u0103 a sistemului financiar \u0219i rolul numerarului Redactia24 iulie 2026 0 136 2 minutes read La data de 7 iulie 2026, Comitetul European pentru Risc Sistemic (CERS) a publicatAvertismentul CERS\/2026\/3 privind riscurile cibernetice sistemice generate de modelele deinteligen\u021b\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,221],"class_list":["post-2064569","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-infotulcea-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2064569","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=2064569"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2064569\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2064569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2064569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2064569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}