\u00centr-un studiu publicat miercuri, intitulat \u201eP\u0103stra\u021bi-v\u0103 calmul \u0219i p\u0103stra\u021bi bani lichizi\u201d, BCE recomand\u0103 s\u0103 existe la dispozi\u021bie o sum\u0103 suficient\u0103 pentru a acoperi necesit\u0103\u021bile esen\u021biale timp de aproximativ 72 de ore, mai ales \u201e\u00een caz de instabilitate sistemic\u0103 major\u0103\u201d. Studiul citeaz\u0103 exemplul \u021a\u0103rilor de Jos, Austriei \u0219i Finlandei, unde autorit\u0103\u021bile recomand\u0103 cet\u0103\u021benilor s\u0103 p\u0103streze \u00eentre 70 \u0219i 100 de euro de persoan\u0103.<\/p>\n
Anali\u0219tii BCE au analizat patru crize recente din Europa: pandemia de COVID-19, invazia Ucrainei de c\u0103tre Rusia, pana major\u0103 a re\u021belei electrice din Spania din aprilie 2025 \u0219i criza datoriei suverane din Grecia. Potrivit Francesc\u0103i Faella \u0219i lui Alejandro Zamora-P\u00e9rez, autorii studiului, \u201eaceste episoade de criz\u0103 variate arat\u0103 c\u0103 utilitatea numerarului se intensific\u0103 puternic atunci c\u00e2nd stabilitatea este amenin\u021bat\u0103\u201d.<\/p>\n
Studiul subliniaz\u0103 c\u0103 banii lichizi ofer\u0103 at\u00e2t \u201eutilitate psihologic\u0103, c\u00e2t \u0219i practic\u0103\u201d, datorit\u0103 \u201enaturii lor tangibile, care confer\u0103 confort \u0219i sentiment de control\u201d, \u0219i a \u201efunc\u021bionalit\u0103\u021bii offline, esen\u021bial\u0103 \u00een cazul defect\u0103rii sistemelor digitale\u201d.<\/p>\n
BCE consider\u0103 aceast\u0103 recomandare un \u201eparadox\u201d, \u00een condi\u021biile \u00een care pl\u0103\u021bile digitale tind s\u0103 \u00eenlocuiasc\u0103 numerarul \u00een via\u021ba de zi cu zi.<\/p>\n
\u00cen timpul pandemiei, cererea de bancnote \u00een euro a crescut cu peste 140 de miliarde, fa\u021b\u0103 de 55 de miliarde \u00eentr-un an obi\u0219nuit. De asemenea, la \u00eenceputul r\u0103zboiului din Ucraina \u0219i \u00een timpul penei din Spania, retragerile de numerar au crescut semnificativ, reflect\u00e2nd nevoia popula\u021biei de a-\u0219i reface rezervele de precau\u021bie.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00centr-un studiu publicat miercuri, intitulat \u201eP\u0103stra\u021bi-v\u0103 calmul \u0219i p\u0103stra\u021bi bani lichizi\u201d, BCE recomand\u0103 s\u0103 existe la dispozi\u021bie o…\n","protected":false},"author":2,"featured_media":3141,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[2473,32,33,31,36,37,27,74,34,35,25,2474,41,40,38,39,26,2475,28,29,30,71,72,73],"class_list":{"0":"post-3140","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-international","8":"tag-banca-centrala-europeana","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-cele-mai-populare-subiecte","12":"tag-featured-news","13":"tag-featurednews","14":"tag-headlines","15":"tag-international","16":"tag-latest-news","17":"tag-latestnews","18":"tag-news","19":"tag-numerar","20":"tag-ro","21":"tag-romana","22":"tag-romania","23":"tag-romanian","24":"tag-stiri","25":"tag-studiu","26":"tag-titluri","27":"tag-top-stories","28":"tag-topstories","29":"tag-world","30":"tag-world-news","31":"tag-worldnews"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/3140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=3140"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/3140\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/3141"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=3140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=3140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=3140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}