{"id":2241958,"date":"2026-11-06T13:40:47","date_gmt":"2026-11-06T10:40:47","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2241958"},"modified":"2026-11-06T13:40:47","modified_gmt":"2026-11-06T10:40:47","slug":"dupa-amenzile-din-dosarul-robor-bancile-risca-noi-sanctiuni-consiliul-concurentei-investigheaza-scorul","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2241958","title":{"rendered":"Dup\u0103 amenzile din dosarul ROBOR, b\u0103ncile risc\u0103 noi sanc\u021biuni. Consiliul Concuren\u021bei investigheaz\u0103 scorul…"},"content":{"rendered":"

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B\u0103ncile risc\u0103 noi amenzi dup\u0103 sanc\u021biunile aplicate \u00een dosarul ROBOR, \u00eentr-o investiga\u021bie separat\u0103 privind schimbul de informa\u021bii folosit pentru stabilirea scorului FICO \u0219i evaluarea persoanelor care solicit\u0103 credite. Consiliul Concuren\u021bei suspecteaz\u0103 o \u00eenc\u0103lcare a legii \u0219i estimeaz\u0103 c\u0103 va \u00eencheia ancheta \u00een c\u00e2teva luni, cel mai probabil \u00een 2027.<\/strong><\/p>\n

\u201eAveam dou\u0103 investiga\u021bii pe b\u0103nci, una privind ROBOR-ul, care s-a finalizat, \u0219i mai este cea privind FICO, care este scoringul, modul \u00een care b\u0103ncile schimb\u0103 informa\u021bii \u00eentre ele ca s\u0103 stabileasc\u0103 bonitatea unui solicitant de credite\u201d, a declarat vineri Bogdan Chiri\u021boiu, pre\u0219edintele Consiliului Concuren\u021bei, la conferin\u021ba \u201eProvoc\u0103ri concuren\u021biale \u00een sectorul construc\u021biilor\u201d, organizat\u0103 la Sinaia.<\/p>\n

Chiri\u021boiu a precizat c\u0103 autoritatea suspecteaz\u0103 \u00eenc\u0103lcarea legisla\u021biei concuren\u021bei, ceea ce \u00eenseamn\u0103 c\u0103 investiga\u021bia s-ar putea \u00eencheia cu sanc\u021biuni.<\/p>\n

\u201eEste o investiga\u021bie unde suspect\u0103m o \u00eenc\u0103lcare a legii, deci, teoretic, se pot aplica sanc\u021biuni\u201d, a afirmat pre\u0219edintele Consiliului Concuren\u021bei.<\/p>\n

Investiga\u021bia vizeaz\u0103 posibile \u00een\u021belegeri care ar fi putut limita accesul consumatorilor la creditele acordate persoanelor fizice. Autoritatea analizeaz\u0103 modul \u00een care institu\u021biile financiare schimb\u0103 informa\u021bii \u0219i le folosesc pentru evaluarea bonit\u0103\u021bii solicitan\u021bilor.<\/p>\n

Scorul FICO este un indicator utilizat pentru evaluarea riscului ca o persoan\u0103 s\u0103 nu \u00ee\u0219i achite obliga\u021biile. Acesta este stabilit pe baza informa\u021biilor din istoricul de creditare \u0219i poate influen\u021ba decizia unei b\u0103nci de a acorda un \u00eemprumut, precum \u0219i condi\u021biile \u00een care creditul este oferit.<\/p>\n

Consiliul Concuren\u021bei a anun\u021bat investiga\u021bia \u00een septembrie 2023, c\u00e2nd a efectuat inspec\u021bii \u00een cadrul a 12 entit\u0103\u021bi: zece institu\u021bii de credit, Biroul de Credit \u0219i Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor.<\/p>\n

B\u0103ncile vizate sunt Alpha Bank Rom\u00e2nia, CEC Bank, Garanti Bank, Raiffeisen Bank Rom\u00e2nia, ING Bank, Banca Transilvania, Banca Comercial\u0103 Rom\u00e2n\u0103, BRD \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, Credit Europe Bank Rom\u00e2nia \u0219i First Bank.<\/p>\n

Ancheta ar urma s\u0103 fie finalizat\u0103 \u00een c\u00e2teva luni, cel mai probabil \u00een cursul anului viitor. Stabilirea unor amenzi va depinde \u00eens\u0103 de concluziile investiga\u021biei \u0219i de decizia Plenului Consiliului Concuren\u021bei.<\/p>\n

Bogdan Chiri\u021boiu a explicat c\u0103 p\u00e2n\u0103 la sf\u00e2r\u0219itul acestui an nu vor mai fi \u00eencheiate dosare care s\u0103 conduc\u0103 imediat la aplicarea unor sanc\u021biuni.<\/p>\n

\u201eSe lucreaz\u0103, se termin\u0103 rapoarte de investiga\u021bii, deci propuneri de amenzi, dar ele vor fi discutate fie de viitorul Plen al Consiliului Concuren\u021bei, fie tot de noi, dac\u0103 Curtea Constitu\u021bional\u0103 ne spune c\u0103 legea este bun\u0103. Atunci adopt\u0103m deciziile\u201d, a precizat el.<\/p>\n

Cite\u0219te \u0219i:<\/strong>BNR respinge modificarea reglement\u0103rilor privind ROBOR: \u201eNu exist\u0103 motive pentru revizuirea cadrului normativ\u201d<\/a><\/p>\n

Amenzi de 3,73 miliarde de lei \u00een dosarul ROBOR<\/h2>\n

Noua investiga\u021bie din sectorul bancar vine dup\u0103 ce Consiliul Concuren\u021bei a sanc\u021bionat<\/a> zece b\u0103nci cu amenzi totale de 3,73 miliarde de lei, echivalentul a aproximativ 710 milioane de euro, pentru coordonarea comportamentului \u00een procedura de stabilire a ROBOR.<\/p>\n

Autoritatea a constatat c\u0103 b\u0103ncile participante la procedura de fixing au schimbat informa\u021bii confiden\u021biale \u0219i strategice despre nivelul ROBOR, influen\u021b\u00e2nd un proces \u00een cadrul c\u0103ruia fiecare institu\u021bie trebuia s\u0103 transmit\u0103 independent cota\u021biile utilizate pentru calcularea indicelui.<\/p>\n

Au fost sanc\u021bionate Banca Comercial\u0103 Intesa Sanpaolo Rom\u00e2nia, Banca Comercial\u0103 Rom\u00e2n\u0103, BRD \u2013 Groupe Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, Banca Transilvania, CEC Bank, Exim Banca Rom\u00e2neasc\u0103, ING Bank, OTP Bank Rom\u00e2nia, Raiffeisen Bank \u0219i UniCredit Bank.<\/p>\n

Investiga\u021bia a fost deschis\u0103 din oficiu \u00een octombrie 2022 \u0219i a vizat o posibil\u0103 \u00een\u021belegere sau practic\u0103 concertat\u0103 \u00eentre institu\u021biile participante la stabilirea ROBOR.<\/p>\n

Cite\u0219te \u0219i:<\/strong>Zece mari b\u0103nci au fost amendate cu 710 milioane de euro, pentru manipularea ROBOR, anun\u021b\u0103 Consiliul Concuren\u021bei<\/a><\/p>\n

Consiliul Concuren\u021bei finalizeaz\u0103 \u0219i investiga\u021bia privind Apple<\/h2>\n

Autoritatea se apropie \u0219i de finalizarea anchetei care vizeaz\u0103 Apple Inc. \u0219i Apple Distribution International Limited.<\/p>\n

\u201eFinaliz\u0103m ancheta Apple \u00een cur\u00e2nd, este aproape gata\u201d, a anun\u021bat Bogdan Chiri\u021boiu.<\/p>\n

Investiga\u021bia a fost declan\u0219at\u0103 \u00een octombrie 2023 \u0219i prive\u0219te o posibil\u0103 \u00eenc\u0103lcare a regulilor de concuren\u021b\u0103 pe pia\u021ba publicit\u0103\u021bii afi\u0219ate prin aplica\u021biile instalate pe dispozitivele mobile cu sistem iOS.<\/p>\n

Apple a dezvoltat un ecosistem integrat \u0219i \u00eenchis, care include componente hardware, software \u0219i servicii online. Compania nu permite instalarea pe dispozitivele sale a altor magazine de distribuire a aplica\u021biilor \u00een afara propriului App Store.<\/p>\n

Consiliul Concuren\u021bei a anun\u021bat c\u0103 avea indicii potrivit c\u0103rora Apple ar fi putut abuza de pozi\u021bia dominant\u0103 pe pia\u021ba distribu\u021biei aplica\u021biilor pentru iOS. Compania este suspectat\u0103 c\u0103 ar fi limitat accesul altor operatori la datele utilizatorilor folosite \u00een scopuri publicitare, favoriz\u00e2ndu-\u0219i \u00een acela\u0219i timp propriile servicii tehnologice pentru afi\u0219area reclamelor \u00een aplica\u021biile compatibile cu iOS.<\/p>\n

Editor : A.D. <\/a><\/p>\n<\/div>\n

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[analyse_image type=”featured” src=”https:\/\/s.iw.ro\/gateway\/g\/ZmlsZVNvdXJjZT1odHRwJTNBJTJGJTJG\/c3RvcmFnZTA3dHJhbnNjb2Rlci5yY3Mt\/cmRzLnJvJTJGc3RvcmFnZSUyRjIwMjEl\/MkYwMyUyRjEwJTJGMTI5OTA5N18xMjk5\/MDk3X2Jhbmktcm9ib3ItaW5xdWFtLW9j\/dGF2LWdhbmVhLmpwZyZ3PTEyMDAmaD02\/MzAmemM9MSZoYXNoPWU0Y2IyNThkYmY0MTkwNWJjZjkwZGRlNDFiYjc1NzRh.thumb.jpg”] B\u0103ncile risc\u0103 noi amenzi dup\u0103 sanc\u021biunile aplicate \u00een dosarul ROBOR, \u00eentr-o investiga\u021bie separat\u0103 privind schimbul de informa\u021bii folosit pentru stabilirea scorului FICO \u0219i evaluarea persoanelor care solicit\u0103 credite. Consiliul Concuren\u021bei suspecteaz\u0103 o \u00eenc\u0103lcare a legii \u0219i estimeaz\u0103 c\u0103 va \u00eencheia ancheta \u00een c\u00e2teva luni, cel mai probabil \u00een 2027. \u201eAveam dou\u0103 investiga\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":[],"class_list":["post-2241958","post","type-post","status-publish","format-standard","hentry","category-romania"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2241958","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=2241958"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2241958\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2241958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2241958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2241958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}