[analyse_image type=”featured” src=”https:\/\/agerpres.ro\/data\/202610\/20261015151654_996768.jpg”]<\/p>\n
Pre\u0219edintele Institutului de Studii Financiare (ISF), Valentin Ionescu, propune introducerea conceptului de capital de autonomie economic\u0103, un cadru teoretic care urm\u0103re\u0219te evaluarea capacit\u0103\u021bii oamenilor de a \u00een\u021belege alternativele financiare, de a verifica recomand\u0103rile primite \u0219i de a lua decizii \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103.<\/strong><\/p>\n ”Educa\u021bia financiar\u0103 trebuie s\u0103 ne dea capacitatea de a judeca un r\u0103spuns, de a recunoa\u0219te ce informa\u021bii lipsesc \u0219i de a \u00een\u021belege consecin\u021bele unei alegeri. Tehnologia ne poate ajuta foarte mult, dar decizia trebuie s\u0103 r\u0103m\u00e2n\u0103 legat\u0103 de obiectivele \u0219i de via\u021ba fiec\u0103ruia dintre noi”, a explicat Valentin Ionescu, \u00een contextul conferin\u021bei OSEEC 2026 de la Universitatea ”Aurel Vlaicu” din Arad.<\/p>\n Totodat\u0103, noul concept este explicat \u00eentr-un comunicat al institu\u021biei, remis AGERPRES.<\/p>\n ”Conceptul de Capital de Autonomie Economic\u0103 (Economic Autonomy Capital – EAC), este un cadru teoretic integrator care trateaz\u0103 autonomia economic\u0103 drept o resurs\u0103 acumulabil\u0103 \u0219i m\u0103surabil\u0103, rezultat\u0103 din interac\u021biunea capitalului financiar, productiv, uman \u0219i institu\u021bional. De aici porne\u0219te conceptul de capital de autonomie economic\u0103, propus ca instrument de cercetare pentru educa\u021bia financiar\u0103 \u00een era digital\u0103. El descrie capacitatea acumulat\u0103 prin \u00eenv\u0103\u021bare \u0219i experien\u021b\u0103 de a \u00een\u021belege alternativele, de a verifica sfaturile primite \u0219i de a adapta o decizie atunci c\u00e2nd circumstan\u021bele se schimb\u0103”, se arat\u0103 \u00een comunicat.<\/p>\n De asemenea, \u00een document sunt prezentate exemple concrete. ”Exemplele sunt apropiate de via\u021ba cotidian\u0103. La alegerea unei asigur\u0103ri de locuin\u021b\u0103, autonomia se vede \u00een capacitatea de a compara acoperirea, excluderile \u0219i fran\u0219iza \u0219i de a explica de ce o ofert\u0103 r\u0103spunde mai bine nevoilor proprii. La cump\u0103rarea unui telefon \u00een rate, ea presupune \u00een\u021belegerea costului total \u0219i a obliga\u021biilor care vor ap\u0103sa asupra bugetului. \u00cen fa\u021ba unei recomand\u0103ri de investi\u021bie generate de AI, \u00eenseamn\u0103 verificarea riscului, a costurilor \u0219i a posibilit\u0103\u021bii de a recupera banii atunci c\u00e2nd sunt necesari”, se men\u021bioneaz\u0103 \u00een comunicat.<\/p>\n Pre\u0219edintele ISF atrage aten\u021bia \u0219i asupra influen\u021bei platformelor digitale. ”Pe m\u0103sur\u0103 ce platformele \u00eenva\u021b\u0103 mai multe despre comportamentul nostru, educa\u021bia financiar\u0103 trebuie s\u0103 ne ajute s\u0103 recunoa\u0219tem \u0219i felul \u00een care suntem influen\u021ba\u021bi. A putea am\u00e2na o decizie p\u00e2n\u0103 c\u00e2nd o \u00een\u021belegi este, uneori, una dintre cele mai valoroase competen\u021be economice”, afirm\u0103 pre\u0219edintele ISF.<\/p>\n O alt\u0103 direc\u021bie de cercetare vizeaz\u0103 evaluarea competen\u021belor financiare \u00een contextul utiliz\u0103rii asisten\u021bilor digitali.<\/p>\n ”Conceptul propus deschide \u0219i o problem\u0103 de evaluare. Un participant poate ob\u021bine rezultate bune c\u00e2t timp folose\u0219te un asistent digital. Cercetarea trebuie s\u0103 verifice ce competen\u021be p\u0103streaz\u0103 ulterior, dac\u0103 le poate aplica \u00eentr-o situa\u021bie nou\u0103 \u0219i dac\u0103 observ\u0103 o recomandare gre\u0219it\u0103. Aceste probe ar putea completa testele obi\u0219nuite de cuno\u0219tin\u021be financiare”, noteaz\u0103 sursa citat\u0103.<\/p>\n Conceptul propus necesit\u0103 \u00eens\u0103 validare empiric\u0103, sus\u021bin reprezentan\u021bii ISF.<\/p>\n ”Capitalul de autonomie economic\u0103 r\u0103m\u00e2ne o propunere conceptual\u0103 care necesit\u0103 delimitare fa\u021b\u0103 de no\u021biunile existente \u0219i validare empiric\u0103. Miza sa este \u00eens\u0103 clar\u0103: dezvoltarea unei educa\u021bii care formeaz\u0103 judecat\u0103 durabil\u0103 \u0219i capacitate de adaptare. Aceast\u0103 capacitate trebuie privit\u0103 \u00eempreun\u0103 cu resursele \u0219i condi\u021biile \u00een care oamenii tr\u0103iesc. O persoan\u0103 poate \u00een\u021belege foarte bine o solu\u021bie \u0219i totu\u0219i s\u0103 nu \u0219i-o permit\u0103. Educa\u021bia financiar\u0103 trebuie sus\u021binut\u0103 de produse adecvate, conduit\u0103 responsabil\u0103 \u0219i institu\u021bii care protejeaz\u0103 posibilitatea unei alegeri informate. Pentru universit\u0103\u021bi \u0219i pentru furnizorii de educa\u021bie financiar\u0103, direc\u021bia propus\u0103 este s\u0103 urm\u0103reasc\u0103 mai atent ce pot face oamenii cu ceea ce \u00eenva\u021b\u0103”, se mai precizeaz\u0103 \u00een comunicat.<\/p>\n \u00centr-o economie \u00een care recomand\u0103rile se multiplic\u0103, capacitatea de a le verifica \u0219i de a decide argumentat poate deveni una dintre cele mai importante forme de capital personal, noteaz\u0103 sursa citat\u0103.<\/p>\n ”Nu \u00een ultimul r\u00e2nd Capitalul de Autonomie Economic\u0103 pentru un actor economic poate fi definit ca: Stocul dinamic de resurse, competen\u021be, drepturi efective, capacit\u0103\u021bi productive \u0219i mecanisme institu\u021bionale care permite unui actor economic s\u0103 \u00ee\u0219i p\u0103streze libertatea real\u0103 de alegere, s\u0103 \u00ee\u0219i sus\u021bin\u0103 deciziile \u00een timp \u0219i s\u0103 se adapteze \u0219ocurilor f\u0103r\u0103 a intra \u00een rela\u021bii de dependen\u021b\u0103 economic\u0103 excesiv\u0103”, se mai arat\u0103 \u00een document. AGERPRES\/(AS – redactor: Nicoleta B\u0103nciulea, editor: Mariana Nica, editor online: Gabriela Badea)\u00a0<\/p>\n<\/div>\n [analyse_source url=”https:\/\/agerpres.ro\/economic\/2026\/10\/15\/presedintele-isf-propune-un-nou-concept-pentru-evaluarea-autonomiei-in-deciziile-financiare–1603351″]<\/p>\n","protected":false},"excerpt":{"rendered":" [analyse_image type=”featured” src=”https:\/\/agerpres.ro\/data\/202610\/20261015151654_996768.jpg”] Pre\u0219edintele Institutului de Studii Financiare (ISF), Valentin Ionescu, propune introducerea conceptului de capital de autonomie economic\u0103, un cadru teoretic care urm\u0103re\u0219te evaluarea capacit\u0103\u021bii oamenilor de a \u00een\u021belege alternativele financiare, de a verifica recomand\u0103rile primite \u0219i de a lua decizii \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103. ”Educa\u021bia financiar\u0103 trebuie s\u0103 ne dea capacitatea de a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[37,226],"class_list":["post-2200184","post","type-post","status-publish","format-standard","hentry","category-politics","tag-agerpres-ro","tag-crawlmanager"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2200184","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=2200184"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2200184\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2200184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2200184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2200184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}