{"id":622,"date":"2020-10-06T15:36:50","date_gmt":"2020-10-06T12:36:50","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=622"},"modified":"2020-10-06T15:36:52","modified_gmt":"2020-10-06T12:36:52","slug":"despre-obligatiunile-de-stat","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/","title":{"rendered":"Despre obliga\u021biunile de stat"},"content":{"rendered":"

Fiecare dintre noi \u00ee\u0219i propune s\u0103 economiseasc\u0103 bani<\/a>. Fie pentru a avea o rezerv\u0103 destinat\u0103 unei perioade mai pu\u021bin pl\u0103cut\u0103, fie pentru a-\u0219i permite vacan\u021be, o cas\u0103 sau o ma\u0219in\u0103, fie pentru a-i folosi ca investi\u021bie s\u0103 \u00ee\u0219i creasc\u0103 economiile.<\/p>\n

Comportamentul nostru economic a dezvoltat sau s-a adaptat unor modalit\u0103\u021bi de a pune bani deoparte numite ast\u0103zi instrumente economice. Obliga\u021biunile de stat fac parte din aceast\u0103 ultim\u0103 categorie \u0219i reprezint\u0103 una dintre cele mai sigure metode de a investi bani.<\/p>\n

Ce sunt obliga\u021biunile de stat<\/h2>\n

Obliga\u021biunile de stat reprezint\u0103 un instrument financiar creat de statul rom\u00e2n prin intermediul c\u0103ruia acesta \u00ee\u0219i poate crea noi resurse pentru cheltuielile\/ datoriile pe care le are. Cu alte cuvinte, tu po\u021bi \u00eemprumuta banca \u00een lei<\/a> sau \u00een valut\u0103, cu economiile pe care le-ai str\u00e2ns, iar statul se oblig\u0103 s\u0103 \u00ee\u021bi returneze banii respectivi \u00eempreun\u0103 cu o dob\u00e2nd\u0103 anual\u0103 pentru a dep\u0103\u0219i deficitul bugetar sau pentru refinan\u021barea datoriei publice.<\/p>\n

Obliga\u021biunile de stat constau \u00eentr-un document echivalent unui certificat emis de Ministerul Finan\u021belor Publice, prin care statul rom\u00e2n recunoa\u0219te datoria pe care o are la tine. Acestea au \u0219i valori mai mici de 10.000 lei \u0219i pot fi pe termen scurt (p\u00e2n\u0103 la 1 an), mediu (\u00eentre 1-5 ani) sau lung (peste 5 ani), iar dob\u00e2nda poate fi p\u00e2n\u0103 la 4% pe an.<\/p>\n

A\u0219a cum am men\u021bionat mai sus, comportamentul nostru economic a fost adaptat \u0219i educat astfel \u00eenc\u00e2t b\u0103ncile \u0219i-au creat diverse instrumente financiare, cum ar fi depozitele bancare<\/a>. Acestea constituie realmente cea mai modern\u0103 solu\u021bie de a economisi. \u00cens\u0103 pentru cei care aleg varianta clasic\u0103 \u0219i au mai mult\u0103 \u00eencredere \u00een puterea economic\u0103 a statului, obliga\u021biunile de stat reprezint\u0103 cea mai sigur\u0103 metoda de investi\u021bie. Motiv pentru care, pe l\u00e2ng\u0103 trezorerie, mai sunt aproximativ 15 b\u0103nci partenere prin intermediul c\u0103rora po\u021bi achizi\u021biona obliga\u021biuni.<\/p>\n

Despre investi\u021bia \u00een obliga\u021biuninile de stat<\/h2>\n

La fel cum fiecare dintre noi apeleaz\u0103 la un ajutor financiar atunci c\u00e2nd are nevoie (prieten, banc\u0103, institu\u021bii non-bancare), la fel \u0219i statul \u00eencearc\u0103 s\u0103 fac\u0103 rost de resurse atunci c\u00e2nd nu dispune de ele. \u0218i reu\u0219e\u0219te cu ajutorul cet\u0103\u021benilor care au economii puse deoparte. Tocmai pentru c\u0103 ofer\u0103 cea mai mare \u00eencredere \u0219i garan\u021bie de returnare a banilor, \u00eempreun\u0103 cu o dob\u00e2nd\u0103 stabilit\u0103 \u00een func\u021bie de suma pe care o pl\u0103te\u0219ti pe obliga\u021biuni, statul de\u021bine cel mai sigur instrument financiar.<\/p>\n

Indiferent de termenul obliga\u021biunilor, diferen\u021ba \u0219i avantajul fa\u021b\u0103 de depozitele bancare este c\u0103 banii pot fi recupera\u021bi anticipat prin v\u00e2nzarea acestora la burs\u0103<\/a>, f\u0103r\u0103 a pierde dob\u00e2nda. Aceasta se pl\u0103te\u0219te anual, dar dac\u0103 tu vrei s\u0103 \u00ee\u021bi prime\u0219ti banii \u00eenapoi dup\u0103 doar 6 luni, po\u021bi calcula pre\u021bul de r\u0103scump\u0103rare \u00eempreun\u0103 cu dob\u00e2nda aferent\u0103 celor 6 luni. Pe c\u00e2nd b\u0103ncile penalizeaz\u0103 clien\u021bii care \u00ee\u0219i retrag anticipat banii din depozitele bancare.<\/p>\n

Pe l\u00e2ng\u0103 faptul c\u0103 nu pierzi dob\u00e2nda, listarea la burs\u0103 a ac\u021biunilor face investi\u021bia una foarte flexibil\u0103, f\u0103r\u0103 a-\u021bi \u021bine banii bloca\u021bi sau s\u0103 \u00ee\u021bi \u00eengr\u0103deasc\u0103 inspira\u021bia \u0219i viziunea monetar\u0103 de viitor.<\/p>\n

Un alt avantaj al obliga\u021biunilor de stat este c\u0103 veniturile ob\u021binute din trazac\u021bionare nu se impoziteaz\u0103, \u00een timp ce dob\u00e2nda depozitelor bancare este impozitat\u0101 cu p\u00e2n\u0103 la 16%. Multe b\u0103nci<\/a> accept\u0103 o dob\u00e2nd\u0103 mai mare, dar pentru sume semnificative depuse (peste echivalentul a 10.000 euro). A\u0219a c\u0103 obliga\u021biunile de stat primesc o nou\u0103 bulin\u0103 alb\u0103 pentru accesibilitatea pe care o ofer\u0103, fiind u\u0219or de cump\u0103rat \u0219i de tranzac\u021bionat.<\/p>\n

Cu to\u021bii am testat multe din serviciile bancare, chiar \u0219i de\u021binerea unui simplu card prin intermediul c\u0103ruia facem diverse pl\u0103\u021bi. \u00cens\u0103 rela\u021bia cu banca<\/a> poate fi costisitoare, a\u0219a c\u0103 este bine s\u0103 ai \u0219i o variant\u0103 mai sigur\u0103 pe care s\u0103 o iei \u00een calcul.<\/p>\n","protected":false},"excerpt":{"rendered":"

Securizeaz\u0103-\u021bi economiile cu investi\u021bii sigure. Afl\u0103 ce sunt obliga\u021biunile de stat, cum le po\u021bi cump\u0103ra \u0219i tranzac\u021biona la burs\u0103 \u0219i care sunt avantajele pentru a investi \u00een ele.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-622","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nDespre obliga\u021biunile de stat - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 ce sunt obliga\u021biunile de stat, cum le po\u021bi cump\u0103ra \u0219i tranzac\u021biona la burs\u0103 \u0219i care sunt avantajele pentru a investi \u00een ele.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Despre obliga\u021biunile de stat - Blog CursValutar.ro\" \/>\n<meta property=\"og:description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 ce sunt obliga\u021biunile de stat, cum le po\u021bi cump\u0103ra \u0219i tranzac\u021biona la burs\u0103 \u0219i care sunt avantajele pentru a investi \u00een ele.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog CursValutar.ro\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-06T12:36:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-10-06T12:36:52+00:00\" \/>\n<meta name=\"author\" content=\"Natalia Manolescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Natalia Manolescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/\",\"url\":\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/\",\"name\":\"Despre obliga\u021biunile de stat - Blog CursValutar.ro\",\"isPartOf\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#website\"},\"datePublished\":\"2020-10-06T12:36:50+00:00\",\"dateModified\":\"2020-10-06T12:36:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282\"},\"description\":\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 ce sunt obliga\u021biunile de stat, cum le po\u021bi cump\u0103ra \u0219i tranzac\u021biona la burs\u0103 \u0219i care sunt avantajele pentru a investi \u00een ele.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/despre-obligatiunile-de-stat\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Prima pagin\u0103\",\"item\":\"https:\/\/www.cursvalutar.ro\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Despre obliga\u021biunile de stat\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#website\",\"url\":\"https:\/\/www.cursvalutar.ro\/blog\/\",\"name\":\"Blog CursValutar.ro\",\"description\":\"Mic blog pe teme financiare\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cursvalutar.ro\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.cursvalutar.ro\/blog\/#\/schema\/person\/3f5c8e3e077fa30f68a95121618f7282\",\"name\":\"Natalia Manolescu\",\"description\":\"Pasionat\u0103 de cuvinte care educ\u0103 \u0219i content marketing \u0219i cu o experien\u021b\u0103 de peste 8 ani \u00een jurnalism \u0219i comunicare (Na\u021bional TV, Impact Hub, Startarium), ajut business-urile la \u00eenceput de drum s\u0103 \u00ee\u0219i defineasc\u0103 \u201cvocea\u201d \u00een online \u0219i s\u0103 comunice cu folos cu publicul lor. 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