{"id":1972,"date":"2022-11-04T14:44:03","date_gmt":"2022-11-04T12:44:03","guid":{"rendered":"https:\/\/investitie.md\/?p=1972"},"modified":"2022-11-04T14:44:03","modified_gmt":"2022-11-04T12:44:03","slug":"aten-ie-la-investi-iile-n-criptomonede-bnm-este-cu-ochii-pe-aceast-activitate","status":"publish","type":"post","link":"https:\/\/investitie.md\/ro\/aten-ie-la-investi-iile-n-criptomonede-bnm-este-cu-ochii-pe-aceast-activitate\/","title":{"rendered":"Aten\u021bie la investi\u021biile \u00een criptomonede: BNM este cu ochii pe aceast\u0103 activitate"},"content":{"rendered":"<p><strong>Aten\u021bie la investi\u021biile \u00een criptomonede: BNM este cu ochii pe aceast\u0103 activitate. <\/strong><\/p>\n<p>Institu\u021biile financiare interna\u021bionale trebuie s\u0103 caute noi instrumente, a\u0219a ca obliga\u021biunile indexate la PIB, care ar ajuta la o \u00eemp\u0103r\u021bire s\u0103n\u0103toas\u0103 a riscurilor \u00eentre ele \u0219i \u021b\u0103rile \u00eemprumutate \u0219i ar responsabiliza IFI \u00een ceea ce prive\u0219te calitatea condi\u021bionalit\u0103\u021bilor;<\/p>\n<p>Partenerii de dezvoltare trebuie s\u0103 sprijine \u00een continuare ini\u021biativele de transparen\u021b\u0103, cum ar fi denun\u021barea infrac\u021biunilor, jurnalismul de investiga\u021bie \u0219i campaniile societ\u0103\u021bii civile pentru supravegherea proiectelor de stat.<\/p>\n<p>De asemenea, trebuie sus\u021binute m\u0103surile de instruire, astfel ca deciden\u021bii na\u021bionali s\u0103-\u0219i \u00eembun\u0103t\u0103\u021beasc\u0103 abilit\u0103\u021bile de evaluare, negociere \u0219i reglementare a proiectelor finan\u021bate din surse externe.<\/p>\n<h2>Investi\u021biile \u00een criptomonede<\/h2>\n<p>Banca Na\u021bional\u0103 a Moldovei nu autorizeaz\u0103, nu reglementeaz\u0103 \u0219i nu monitorizeaz\u0103 activit\u0103\u021bile legate investi\u021biile \u00een criptomonede. Motivul este c\u0103 e un activ virtual care nu este emis \u0219i garantat de o banc\u0103 central\u0103 sau de un organ public \u0219i nu este legat de moneda na\u021bional\u0103. BP a contactat BNM pentru a afla de ce criptomoneda nu este o form\u0103 de numerar \u0219i care sunt riscurile privind moneda viitorului.<\/p>\n<p>Astfel, potrivit b\u0103ncii, monedele virtuale nu sunt o form\u0103 de bani (de exemplu, moned\u0103 electronic\u0103) sau un instrument de plat\u0103. Prin urmare, \u00een conformitate cu Legea privind pl\u0103\u021bile pentru servicii \u0219i moneda electronic\u0103, tranzac\u021biile cu criptomonede nu reprezint\u0103 servicii de plat\u0103.<\/p>\n<p>Cu toate acestea, persoanele fizice sau juridice pot schimba, transfera, stoca sau vinde criptomonede.<\/p>\n<p>De\u0219i BNM nu reglementeaz\u0103 moneda virtual\u0103, ea monitorizeaz\u0103 dezvoltarea acesteia \u0219i analizeaz\u0103 documenta\u021bia interna\u021bional\u0103 cu privire la aceasta.<\/p>\n<p>Astfel, \u00een comunicatele sale de pres\u0103, Banca Na\u021bional\u0103 a identificat unele riscuri pentru investitorii \u00een criptomonede. Printre acestea se num\u0103r\u0103:<\/p>\n<ul>\n<li>Volatilitatea ridicat\u0103 a activelor \u0219i securitatea sc\u0103zut\u0103 \u00een compara\u021bie cu monedele emise de b\u0103ncile centrale \u0219i cu monedele electronice reglementate;<\/li>\n<li>Riscurile de a pierde fondurile investite sau de a nu le putea schimba pe bunuri, servicii sau moned\u0103 emis\u0103 de b\u0103ncile centrale;<\/li>\n<li>Riscuri de specula\u021bii \u0219i fraud\u0103;<\/li>\n<li>Comisioane sau rate de schimb neprofitabile la conversie;<\/li>\n<li>Lipsa de garan\u021bii \u0219i de protec\u021bie a fondurilor;<\/li>\n<li>Lipsa de protec\u021bie a investitorilor, deoarece tranzac\u021bionarea criptomonedelor are loc pe pie\u021be nereglementate;<\/li>\n<li>Riscurile de depreciere a criptomonedelor;<\/li>\n<li>Riscul de a pierde bani \u00een cazul \u00een care platforma de schimb d\u0103 faliment;<\/li>\n<li>Posibilitatea de piratare a portofelului \u0219i de pierdere a datelor personale etc.<\/li>\n<\/ul>\n<p>\u00cen ceea ce prive\u0219te sistemul financiar, exist\u0103:<\/p>\n<ul>\n<li>Riscurile de sp\u0103lare a banilor \u0219i de finan\u021bare a terorismului;<\/li>\n<li>Riscuri asociate infrac\u021biunilor financiare: utilizarea monedelor virtuale pentru v\u00e2nzarea de bunuri ilicite etc.<\/li>\n<\/ul>\n<p><strong>\u201eBanca Na\u021bional\u0103 recomand\u0103 pruden\u021b\u0103 maxim\u0103 la luarea deciziilor privind investirea capitalului \u00een active virtuale\u201d<\/strong>, conchide BNM.<\/p>\n<p>Amintim c\u0103 Coinbank, primul terminal din Moldova care permite v\u00e2nzarea \u0219i cump\u0103rarea de bitcoini \u0219i alte criptomonede, func\u021bioneaz\u0103 la Chi\u0219in\u0103u de aproape trei luni. \u00cen ciuda faptului c\u0103 banca nu este licen\u021biat\u0103 de Banca Na\u021bional\u0103, procedurile de moned\u0103 digital\u0103 nu sunt interzise \u00een \u021bar\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aten\u021bie la investi\u021biile \u00een criptomonede: BNM este cu ochii pe aceast\u0103 activitate. Institu\u021biile financiare interna\u021bionale trebuie s\u0103 caute noi instrumente, a\u0219a ca obliga\u021biunile indexate la PIB, care ar ajuta la o \u00eemp\u0103r\u021bire s\u0103n\u0103toas\u0103 a riscurilor \u00eentre ele \u0219i \u021b\u0103rile \u00eemprumutate \u0219i ar responsabiliza IFI \u00een ceea ce prive\u0219te calitatea condi\u021bionalit\u0103\u021bilor; Partenerii de dezvoltare trebuie s\u0103 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1973,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[21],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Institu\u021biile financiare interna\u021bionale trebuie s\u0103 caute noi instrumente, a\u0219a ca obliga\u021biunile indexate la PIB\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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