{"id":1598,"date":"2021-06-11T18:09:50","date_gmt":"2021-06-11T16:09:50","guid":{"rendered":"http:\/\/www.solidaritate.eu\/?page_id=1598"},"modified":"2021-06-11T18:14:13","modified_gmt":"2021-06-11T16:14:13","slug":"banca-victoria","status":"publish","type":"page","link":"https:\/\/www.solidaritate.eu\/index.php\/activitati\/proiecte\/cooperformance-ro\/banca-victoria\/","title":{"rendered":"Banca Cooperatist\u0103 Victoria Bucure\u0219ti"},"content":{"rendered":"<h2 style=\"text-align: center;\"><span class=\"tlid-translation translation\" lang=\"ro\">Banca Cooperatist\u0103 Victoria Bucure\u0219ti <\/span><\/h2>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-1616 aligncenter\" src=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/logo-victoria-300x77.jpg\" alt=\"\" width=\"300\" height=\"77\" srcset=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/logo-victoria-300x77.jpg 300w, https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/logo-victoria.jpg 446w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Banca Cooperatist\u0103 Victoria Bucure\u0219ti a fost \u00eenfiin\u021bat\u0103 \u00een 1992 \u00een Bucure\u0219ti pentru a deservi comunit\u0103\u021bile din \u0219i din jurul Bucure\u0219tiului. \u00cen perioada 1992-2015, strategia b\u0103ncii a fost consolidarea \u0219i extinderea geografic\u0103 prin fuziuni cu cooperative mai mici, \u00een principal \u00een zonele rurale din Bucure\u0219ti \u0219i din jude\u021bul Giurgiu (280.000 locuitori) un jude\u021b din categoria \u201eServicii bancare nesemnificative\u201d cu doar 40 de agen\u021bii la nivel de jude\u021b. Aceste cooperative de credit au ad\u0103ugat la Banca Cooperatist\u0103 Victoria Bucure\u0219ti un num\u0103r semnificativ de membri cooperatori \u0219i sedii secundare cu importan\u021b\u0103 strategic\u0103 pe pia\u021ba de v\u00e2nz\u0103ri din sud-estul \u021b\u0103rii.<\/p>\n<p><img loading=\"lazy\" class=\" wp-image-1618 aligncenter\" src=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/crestere-Victoria-300x165.jpg\" alt=\"\" width=\"425\" height=\"234\" srcset=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/crestere-Victoria-300x165.jpg 300w, https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/crestere-Victoria.jpg 738w\" sizes=\"(max-width: 425px) 100vw, 425px\" \/><\/p>\n<p>Cooperativele de credit absorbite, devenind sedii secundare ale B\u0103ncii Cooperatiste Victoria Bucure\u0219ti, s-au remarcat prin cre\u0219terea portofoliului de clien\u021bi, dar \u0219i a membrilor asocia\u021bi cu o dorin\u021b\u0103 proeminent\u0103 de a dezvolta unitatea rezultat\u0103 din fuziune. Astfel, Banca Cooperatist\u0103 Victoria Bucure\u0219ti a ajuns la o pozi\u021bie financiar\u0103 stabil\u0103 \u0219i la un rol social \u00een comunit\u0103\u021bile pe care le deserve\u0219te. \u00cen jude\u021bul Giurgiu, un jude\u021b predominant rural, Banca este prezent\u0103 \u00een municipiul Giurgiu \u2013 resedin\u021ba jude\u021bului\u2013, \u00een Mih\u0103ile\u0219ti, unul dintre cele dou\u0103 ora\u0219e \u0219i \u00een 6 din cele 51 de comune. Popula\u021bia de peste 15 ani din aceste localit\u0103\u021bi reprezint\u0103 41% din popula\u021bia jude\u021bului. Banca de\u021bine aproximativ 10% din cota de pia\u021b\u0103 a jude\u021bului \u00een serviciile bancare cu am\u0103nuntul destinate persoanelor fizice, cu cote semnificative de peste 20% \u00een Buc\u0219ani, Flore\u0219ti-Stoene\u0219ti, Fr\u0103te\u0219ti \u0219i Ghimpa\u021bi.<\/p>\n<p>Cooperativa de credit are ca obiectiv principal identificarea \u0219i r\u0103spunsul la nevoile membrilor s\u0103i, pun\u00e2nd \u00een acela\u0219i timp \u00een practic\u0103 principiile cooperatiste precum teritorialitate \u0219i cooperare \u00eentre membri \u0219i organiza\u021bii. Principalele provoc\u0103ri ale cooperativei sunt: 1) utilizarea cardurilor bancare \u0219i a instrumentelor de debit (cec, cambie \u0219i bilet la ordin), care vor stimula rela\u021bia cu institu\u021biile nefinanciare, inclusiv \u00eemprumuturile acestora; 2) asigurarea accesului cooperativei la fonduri suplimentare sau activit\u0103\u021bi generatoare de venituri; \u0219i 3) alinierea la cerin\u021bele reglement\u0103rilor europene.<\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-1617 aligncenter\" src=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/sediu-victoria-300x197.jpg\" alt=\"\" width=\"300\" height=\"197\" srcset=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/sediu-victoria-300x197.jpg 300w, https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/sediu-victoria.jpg 630w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Banca Cooperatist\u0103 Victoria Bucure\u0219ti face parte din re\u021beaua cooperatist\u0103 CREDITCOOP \u0219i este afiliat\u0103 la Banca Central\u0103 Cooperatist\u0103 CREDITCOOP (Casa Central\u0103) care asigur\u0103 reprezentarea intereselor economice, financiare \u0219i legale ale b\u0103ncilor cooperatiste afiliate.<\/p>\n<p>Re\u021beaua CREDITCOOP are acoperire na\u021bional\u0103, cu un num\u0103r total de 801 de unit\u0103\u021bi, dintre care 41 de b\u0103nci cooperative afiliate, unit\u0103\u021bi cu personalitate juridic\u0103, 17 agen\u021bii proprii \u0219i un num\u0103r de 743 de agen\u021bii \u0219i puncte de lucru ale b\u0103ncilor cooperatiste, a doua re\u021bea teritorial\u0103 dintre institu\u021biile de credit \u00een Rom\u00e2nia, respectiv 14% din cele aproape 6000 de unit\u0103\u021bi bancare existente. Cele 550 de agen\u021bii \u0219i puncte care opereaz\u0103 \u00een zonele rurale reprezint\u0103 mai mult de jum\u0103tate din totalul unit\u0103\u021bilor bancare prezente \u00een acest domeniu. \u00cen prezent, ca urmare a fuziunilor operate, re\u021beaua CREDITCOOP este compus\u0103 din 34 b\u0103nci cooperatiste \u0219i 17 agen\u021bii<br \/>proprii. Sistemul CREDITCOOP este de\u021binut de peste 600.000 de membri asocia\u021bi \u0219i deserve\u0219te peste 1.200.000 de clien\u021bi.<\/p>\n<p>Modelul B\u0103ncii Centrale Cooperatiste CREDITCOOP \u0219i al b\u0103ncilor sale cooperatiste afiliate ofer\u0103 un exemplu unic de transformare a activit\u0103\u021bilor financiare \u0219i de credit locale, la scar\u0103 mic\u0103, ale cooperativelor de credit \u00eenainte de 2000, \u00eentr-o opera\u021biune bancar\u0103 na\u021bional\u0103, conform\u0103 cu reglement\u0103rile bancare na\u021bionale \u0219i cu supravegherea B\u0103ncii Na\u021bionale a Rom\u00e2niei.<\/p>\n<p>Studiul de caz \u00een forma extins\u0103 poate fi consultat\u00a0<a href=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2021\/06\/O1_Romania_Victoria_final_romanian.pdf\">la acest link<\/a>.<\/p>\n<p>\u00a0<img loading=\"lazy\" class=\"size-medium wp-image-307 aligncenter\" src=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2018\/03\/FINCare_UE-300x66.jpg\" alt=\"\" width=\"300\" height=\"66\" srcset=\"https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2018\/03\/FINCare_UE-300x66.jpg 300w, https:\/\/www.solidaritate.eu\/wp-content\/uploads\/2018\/03\/FINCare_UE.jpg 700w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Cooperatist\u0103 Victoria Bucure\u0219ti Banca Cooperatist\u0103 Victoria Bucure\u0219ti a fost \u00eenfiin\u021bat\u0103 \u00een 1992 \u00een Bucure\u0219ti pentru a deservi comunit\u0103\u021bile din \u0219i din jurul Bucure\u0219tiului. \u00cen perioada 1992-2015, strategia b\u0103ncii a fost consolidarea \u0219i extinderea geografic\u0103 prin fuziuni cu cooperative mai&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1532,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"_links":{"self":[{"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/pages\/1598"}],"collection":[{"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/comments?post=1598"}],"version-history":[{"count":2,"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/pages\/1598\/revisions"}],"predecessor-version":[{"id":1620,"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/pages\/1598\/revisions\/1620"}],"up":[{"embeddable":true,"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/pages\/1532"}],"wp:attachment":[{"href":"https:\/\/www.solidaritate.eu\/index.php\/wp-json\/wp\/v2\/media?parent=1598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}