{"id":3616,"date":"2025-07-30T12:00:39","date_gmt":"2025-07-30T09:00:39","guid":{"rendered":"https:\/\/123leasing.ro\/blog\/?p=3616"},"modified":"2025-08-01T11:43:21","modified_gmt":"2025-08-01T08:43:21","slug":"mifidi-midifii-impactul-asupra-pietelor-financiare-din-romania","status":"publish","type":"post","link":"https:\/\/123leasing.ro\/blog\/credit-firma\/mifidi-midifii-impactul-asupra-pietelor-financiare-din-romania\/","title":{"rendered":"MIFID I \/ MIFID II: impactul asupra pie\u021belor financiare din Rom\u00e2nia"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Dac\u0103 activezi sau inten\u021bionezi s\u0103 te implici \u00een domeniul financiar, fie ca investitor, fie ca profesionist \u00een servicii financiare, cu siguran\u021b\u0103 ai auzit de <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\">. Dar ce \u00eenseamn\u0103, efectiv, aceste acronime, \u0219i cum au fost transpuse \u00een legisla\u021bia na\u021bional\u0103? \u00cen acest articol, vei descoperi tot ce trebuie s\u0103 \u0219tii despre aceste reglement\u0103ri europene, despre modul \u00een care influen\u021beaz\u0103 pie\u021bele de capital \u0219i despre ce trebuie s\u0103 \u0219tii ca investitor sau profesionist pentru a fi \u00een conformitate cu noile cerin\u021be.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00ce\u021bi voi explica, pas cu pas, ce reprezint\u0103 <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\">, de ce au fost create aceste reglement\u0103ri, ce schimb\u0103ri aduc \u00een modul de operare al pie\u021belor financiare \u0219i, cel mai important, ce \u00eenseamn\u0103 pentru tine, ca investitor sau profesionist.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce reprezint\u0103, \u00een esen\u021b\u0103, MIFID I \/ MIFID II?<\/b><\/h2>\n<p><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> sunt denumirile abreviate ale unor directive europene menite s\u0103 reglementeze activitatea pie\u021belor financiare din Uniunea European\u0103, pentru a cre\u0219te transparen\u021ba, proteja investitorii \u0219i standardiza modul de operare al actorilor de pe pia\u021b\u0103.<\/span><\/p>\n<p><b>MIFID I<\/b><span style=\"font-weight: 400;\"> a fost adoptat\u0103 \u00een 2004 \u0219i a stabilit primele reguli comune pentru serviciile de investi\u021bii \u0219i pia\u021ba de capital. Ulterior, \u00eens\u0103, a fost nevoie de o actualizare major\u0103, pentru a r\u0103spunde noilor provoc\u0103ri \u0219i riscuri, \u0219i astfel a ap\u0103rut <\/span><b>MIFID II<\/b><span style=\"font-weight: 400;\">, \u00een 2018, care a extins \u0219i aprofundat regulile existente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen Rom\u00e2nia, <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> au fost transpuse \u00een legisla\u021bia na\u021bional\u0103 prin Legea nr. 126\/2018 privind pie\u021bele de instrumente financiare \u0219i normele secundare emise de ASF, pentru a asigura conformitatea cu directiva european\u0103 \u0219i pentru a proteja investitorii locali.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>De ce a fost nevoie de MIFID I \/ MIFID II?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pia\u021ba de capital european\u0103 a evoluat rapid \u00een ultimii ani, iar riscurile \u0219i complexitatea activit\u0103\u021bilor financiare au crescut semnificativ. \u00cen plus, au ap\u0103rut noi instrumente financiare \u0219i metode de tranzac\u021bionare, ceea ce a f\u0103cut necesar\u0103 o reglementare mai strict\u0103 pentru:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cre\u0219terea transparen\u021bei \u0219i protejarea investitorilor individuali \u0219i institu\u021bionali;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asigurarea unei concuren\u021be echitabile \u00eentre actorii de pe pia\u021b\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reducerea riscurilor sistemice \u0219i evitarea crizelor financiare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cembun\u0103t\u0103\u021birea calit\u0103\u021bii serviciilor oferite \u0219i a informa\u021biilor furnizate investitorilor.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Astfel, <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> au fost concepute pentru a stabili reguli clare, pentru a crea un cadru unitar \u00een Uniunea European\u0103 \u0219i pentru a cre\u0219te \u00eencrederea \u00een pie\u021bele financiare. <\/span><\/p>\n<p>Pia\u021ba financiar\u0103 ca \u0219i cea bancar\u0103 trebuie sa se supun\u0103 unor reguli \u0219i reglement\u0103ri pentru a functiona coerent, ca \u0219i cazul unor credite mai mari, dar si a celor mai mici, vezi un exemplu \u0219i \u00een <b><span style=\"color: var(--awb-color5);\">acest <\/span><a href=\"https:\/\/123leasing.ro\/blog\/creditul-sindicalizat\/\"><span style=\"color: var(--awb-color5);\">articol<\/span><\/a><\/b><span style=\"font-weight: 400;\"> despre creditul sindicalizat.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce schimb\u0103ri aduc MIFID I \/ MIFID II \u00een pie\u021bele financiare<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Unul dintre cele mai importante efecte ale <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> este crearea unui sistem de reguli uniforme pentru toate \u021b\u0103rile membre EU, inclusiv Rom\u00e2nia. Acestea influen\u021beaz\u0103 modul \u00een care se fac tranzac\u021biile, cum se ofer\u0103 servicii de investi\u021bii, ce informa\u021bii trebuie oferite investitorilor \u0219i cum trebuie gestionate riscurile.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Printre cele mai relevante schimb\u0103ri se num\u0103r\u0103:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transparen\u021ba total\u0103<\/b><span style=\"font-weight: 400;\">: toate costurile, comisioanele \u0219i riscurile trebuie comunicate clar \u0219i complet investitorilor, \u00eenainte de a realiza orice tranzac\u021bie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Protec\u021bia investitorilor<\/b><span style=\"font-weight: 400;\">: trebuie s\u0103 fie clar specificat\u0103 profilul de risc, obiectivul investi\u021biei \u0219i nivelul de cuno\u0219tin\u021be financiare al clientului.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gestionarea conflictelor de interese<\/b><span style=\"font-weight: 400;\">: firmele de brokeraj \u0219i asocia\u021biile de investi\u021bii trebuie s\u0103 implementeze reguli stricte pentru a evita situa\u021biile de favoritism sau conflicte de interese.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Raportarea \u0219i supravegherea<\/b><span style=\"font-weight: 400;\">: toate tranzac\u021biile \u0219i activit\u0103\u021bile trebuie raportate autorit\u0103\u021bilor de supraveghere, pentru a asigura transparen\u021ba sistemului.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Organizarea intern\u0103<\/b><span style=\"font-weight: 400;\">: actorii pie\u021bei trebuie s\u0103 aib\u0103 politici \u0219i proceduri clare pentru gestionarea riscurilor, pentru a proteja depozitele \u0219i pentru a asigura integritatea pie\u021bei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accesul egal<\/b><span style=\"font-weight: 400;\">: toate entit\u0103\u021bile trebuie s\u0103 aib\u0103 acces egal la informa\u021bii \u0219i la oportunit\u0103\u021bi de tranzac\u021bionare, pentru a evita monopolurile sau privilegiile.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen plus, <\/span><b>MIFID II<\/b><span style=\"font-weight: 400;\"> a introdus reguli speciale pentru tranzac\u021bionarea instrumentelor financiare derivate, pentru automatizarea pie\u021bei \u0219i pentru crearea unui cadru pentru instrumente financiare complexe.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum s-a transpus legisla\u021bia european\u0103 \u00een Rom\u00e2nia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u00cen Rom\u00e2nia, <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> au fost transpuse \u00een legisla\u021bie prin Legea nr. 126\/2018 privind pie\u021bele de instrumente financiare, care a introdus norme clare pentru actorii de pe pia\u021ba de capital \u0219i pentru autorit\u0103\u021bile de supraveghere. Aceast\u0103 lege stabile\u0219te cadrul legal pentru autorizarea, supravegherea \u0219i sanc\u021bionarea entit\u0103\u021bilor care activeaz\u0103 \u00een domeniu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Autoritatea de Supraveghere Financiar\u0103 (ASF) are rolul de a asigura respectarea acestor reguli \u0219i de a proteja investitorii. \u00cen plus, normele secundare \u0219i ghidurile emise de ASF clarific\u0103 procedurile, obliga\u021biile \u0219i drepturile p\u0103r\u021bilor implicate.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Principalele atribu\u021bii ale ASF<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reglementarea \u0219i autorizarea entit\u0103\u021bilor financiare<\/b><span style=\"font-weight: 400;\">: ASF emite licen\u021be \u0219i autorizeaz\u0103 b\u0103ncile, companiile de asigur\u0103ri, fondurile de pensii private, brokerii, societ\u0103\u021bile de investi\u021bii \u0219i alte entit\u0103\u021bi din sectorul financiar, asigur\u00e2nd c\u0103 acestea respect\u0103 legisla\u021bia \u00een vigoare \u0219i standardele interna\u021bionale.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Supravegherea activit\u0103\u021bilor<\/b><span style=\"font-weight: 400;\">: Autoritatea monitorizeaz\u0103 constant activitatea entit\u0103\u021bilor autorizate, verific\u00e2nd respectarea normelor, gestionarea riscurilor, solvabilitatea \u0219i transparen\u021ba opera\u021biunilor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Protec\u021bia consumatorilor<\/b><span style=\"font-weight: 400;\">: ASF are ca scop protejarea drepturilor \u0219i intereselor investitorilor, asigura\u021bilor, participan\u021bilor la fondurile de pensii \u0219i altor utilizatori ai serviciilor financiare. \u00cen cazul unor abuzuri sau probleme, ASF intervine pentru solu\u021bionarea reclama\u021biilor \u0219i aplicarea sanc\u021biunilor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reglementarea \u0219i supravegherea pie\u021bei de capital<\/b><span style=\"font-weight: 400;\">: ASF asigur\u0103 transparen\u021ba emiterii de instrumente financiare, respectarea normelor privind tranzac\u021biile \u0219i raport\u0103rile companiilor listate, precum \u0219i prevenirea manipul\u0103rii pie\u021bei.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Emiterea \u0219i aplicarea normelor<\/b><span style=\"font-weight: 400;\">: ASF elaboreaz\u0103 regulamente, ghiduri \u0219i norme interne pentru a implementa legisla\u021bia na\u021bional\u0103 \u0219i european\u0103 \u00een domeniul financiar, inclusiv standarde pentru gestionarea riscurilor, capitalul minim, informa\u021biile c\u0103tre clien\u021bi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prevenirea \u0219i gestionarea riscurilor sistemice<\/b><span style=\"font-weight: 400;\">: \u00cen situa\u021bii de criz\u0103 sau instabilitate financiar\u0103, ASF intervin pentru a preveni r\u0103sp\u00e2ndirea problemelor \u0219i pentru a proteja economia \u0219i consumatorii.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Controlul \u0219i sanc\u021bionarea<\/b><span style=\"font-weight: 400;\">: \u00cen cazul \u00eenc\u0103lc\u0103rilor legii sau normelor, ASF are dreptul s\u0103 aplice sanc\u021biuni, amenzi, retrage licen\u021be sau s\u0103 ia m\u0103suri speciale pentru remedierea situa\u021biei.<\/span><\/li>\n<\/ol>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce \u00eenseamn\u0103, pentru tine, MIFID I \/ MIFID II?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru tine, ca investitor, <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> \u00eenseamn\u0103 mai mult\u0103 siguran\u021b\u0103, transparen\u021b\u0103 \u0219i informa\u021bii clare. De acum \u00eenainte, vei fi informat \u00een detaliu despre toate costurile, riscurile \u0219i avantajele fiec\u0103rui instrument financiar pe care vrei s\u0103-l tranzac\u021bionezi. \u00cen plus, ai dreptul s\u0103 fii consultat \u0219i s\u0103 prime\u0219ti recomand\u0103ri adaptate nivelului t\u0103u de cuno\u0219tin\u021be \u0219i obiectivelor tale financiare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 activezi \u00een domeniul serviciilor financiare, <\/span><b>MIFID II<\/b><span style=\"font-weight: 400;\"> impune reguli stricte pentru gestionarea conflictelor de interese, pentru transparen\u021ba comunic\u0103rii \u0219i pentru protec\u021bia clientului, cresc\u00e2nd \u00eencrederea \u00een sistem.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> reprezint\u0103 un pas major spre o pia\u021b\u0103 de capital mai sigur\u0103, mai transparent\u0103 \u0219i mai protejat\u0103 pentru to\u021bi participan\u021bii. \u00cen Rom\u00e2nia, aceste directive au fost transpuse prin Legea nr. 126\/2018, iar autorit\u0103\u021bile de supraveghere se asigur\u0103 c\u0103 regulile sunt respectate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 fii informat \u0219i protejat atunci c\u00e2nd tranzac\u021bionezi sau activezi pe pia\u021ba financiar\u0103, trebuie s\u0103 \u00een\u021belegi \u0219i s\u0103 respec\u021bi aceste reguli. La <\/span><a href=\"http:\/\/123credit.ro\/contact\"><b style=\"color: var(--awb-color5);\">123Credit.ro<\/b><\/a><span style=\"font-weight: 400;\"> vei g\u0103si informa\u021bii actualizate \u0219i servicii conforme cu <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\">, pentru ca tu s\u0103 investe\u0219ti \u00een siguran\u021b\u0103 \u0219i \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce reprezint\u0103, efectiv, MIFID I \/ MIFID II?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Sunt directive europene care reglementeaz\u0103 activitatea pie\u021belor financiare, protec\u021bia investitorilor \u0219i transparen\u021ba \u00een domeniu.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>De ce au fost create aceste directive?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pentru a r\u0103spunde riscurilor financiare crescute, pentru a cre\u0219te \u00eencrederea \u0219i pentru a asigura un cadru unitar \u00een Uniunea European\u0103.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Cum m\u0103 afecteaz\u0103, ca investitor?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Vei primi informa\u021bii clare despre costuri \u0219i riscuri, iar firmele de servicii financiare vor trebui s\u0103 respecte reguli stricte de protec\u021bie \u0219i transparen\u021b\u0103.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce obliga\u021bii au entit\u0103\u021bile din domeniu?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">S\u0103 informeze corect clien\u021bii, s\u0103 gestioneze conflictele de interese, s\u0103 raporteze activit\u0103\u021bile \u0219i s\u0103 p\u0103streze politici interne conforme.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Pot s\u0103 investesc \u00een siguran\u021b\u0103 dac\u0103 respect aceste reguli?<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da, <\/span><b>MIFID I \/ MIFID II<\/b><span style=\"font-weight: 400;\"> sunt menite s\u0103 protejeze \u0219i s\u0103 creasc\u0103 transparen\u021ba, reduc\u00e2nd riscurile de fraud\u0103 \u0219i de pierdere a banilor.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":8,"featured_media":3619,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[237],"tags":[],"class_list":["post-3616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-firma"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MIFID I \/ MIFID II: impactul asupra pie\u021belor financiare din Rom\u00e2nia - Blogul 123Leasing<\/title>\n<meta name=\"description\" content=\"Afla ce reprezint\u0103 MIFID I \/ MIFID II, cum au fost transpuse \u00een legisla\u021bia na\u021bional\u0103 prin Legea nr. 126\/2018 \u0219i cum te protejeaz\u0103, ca investitor, \u00een pia\u021ba de capital european\u0103\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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