{"id":1613,"date":"2024-03-25T21:04:13","date_gmt":"2024-03-25T21:04:13","guid":{"rendered":"https:\/\/www.legaltobusiness.com\/?page_id=1613"},"modified":"2025-08-12T23:44:56","modified_gmt":"2025-08-12T20:44:56","slug":"banci-fintech","status":"publish","type":"page","link":"https:\/\/www.legaltobusiness.com\/fr\/banci-fintech\/","title":{"rendered":"Banques | Fintech"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1613\" class=\"elementor elementor-1613\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb98598 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb98598\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7c81c7\" data-id=\"f7c81c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56a76ab elementor-widget elementor-widget-heading\" data-id=\"56a76ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.legaltobusiness.com\/index.php\/industrii\/\">Industries<\/a><\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb2f063 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"bb2f063\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon 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var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" d=\"M238.07,40.89a6.71,6.71,0,0,1,3.21-4.73,21.17,21.17,0,0,1,10.11-2.28h1.55v-.45H205.32v.45h2.77a20.61,20.61,0,0,1,10.31,2.39q2.35,1.4,3,5t.7,16.13V76.73H185V90h37.13v18.78q0,13.13-.7,16.72a7.7,7.7,0,0,1-3.28,5.28,16.42,16.42,0,0,1-9.22,2.7h-3.62v.45h47.62v-.45h-2.4a16.18,16.18,0,0,1-9.57-2.85,8.18,8.18,0,0,1-3.13-5.67q-.57-3.82-.57-16.18V57.41Q237.27,44.38,238.07,40.89Z\"><\/path><path class=\"cls-1\" d=\"M113.93,44.77l-6.22-14.9h-3L69.73,113l-4.79,12a14.45,14.45,0,0,1-4.36,5.84c-1.82,1.41-4.56,2.3-8.21,2.65v.39H93.5v-.39c-5,0-8.45-.36-10.23-1.1A4.36,4.36,0,0,1,80.61,128c0-1.14,1.19-5.57,3.56-11.17L95.86,88.49h20.59V75.26H101.33Z\"><\/path><\/g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-430fcbb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"430fcbb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f06ae6c\" data-id=\"f06ae6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79dd1d9 elementor-widget elementor-widget-text-editor\" data-id=\"79dd1d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>La Banque nationale de Roumanie est la banque centrale de Roumanie. Il s'agit d'une institution publique ind\u00e9pendante, dont le si\u00e8ge est dans la ville de Bucarest.<\/p><p class=\" translation-block\">Depuis le 1er janvier 2007, avec l'adh\u00e9sion de la Roumanie \u00e0 l'Union europ\u00e9enne, la Banque nationale de Roumanie est devenue membre du Syst\u00e8me europ\u00e9en de banques centrales (<strong><strong style=\"color: #1cbbb4\">SEBC<\/strong><\/strong>), et le gouverneur de la BNR, membre du Conseil g\u00e9n\u00e9ral de la Banque centrale europ\u00e9enne (<strong><strong style=\"color: #1cbbb4\">BCE<\/strong><\/strong>) .<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b91cce6 elementor-widget elementor-widget-text-editor\" data-id=\"b91cce6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tLes principales attributions de la BNR\n<ul>\n \t<li>l'\u00e9laboration et l'application de la politique mon\u00e9taire et de la politique de change;<\/li>\n \t<li>autorisation, r\u00e9glementation et surveillance prudentielle des \u00e9tablissements de cr\u00e9dit, promotion et suivi du bon fonctionnement des syst\u00e8mes de paiement pour assurer la stabilit\u00e9 financi\u00e8re;<\/li>\n \t<li>\u00e9mission de billets et de pi\u00e8ces comme moyens de paiement l\u00e9gaux sur le territoire de la Roumanie;<\/li>\n \t<li>\u00e9tablir le r\u00e9gime mon\u00e9taire et superviser son respect;<\/li>\n \t<li>administration des r\u00e9serves internationales de la Roumanie.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12e312c elementor-widget elementor-widget-text-editor\" data-id=\"12e312c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La banque centrale a la comp\u00e9tence exclusive d'agr\u00e9ment et de r\u00e9gulation dans le domaine bancaire et est charg\u00e9e de la surveillance prudentielle des \u00e9tablissements de cr\u00e9dit, afin d'assurer le fonctionnement et la viabilit\u00e9 du syst\u00e8me bancaire.<\/p><p>Depuis d\u00e9cembre 2015, la BNR est l'autorit\u00e9 nationale de r\u00e9solution du secteur bancaire.<\/p><p class=\" translation-block\">L'Autorit\u00e9 bancaire europ\u00e9enne (<strong><strong style=\"color: #1cbbb4\">EBA<\/strong><\/strong>) est une autorit\u00e9 ind\u00e9pendante de l'UE dont l'objectif est d'assurer un niveau efficace et coh\u00e9rent de r\u00e9glementation et de surveillance prudentielle. dans l\u2019ensemble du secteur bancaire de l\u2019UE. Ses objectifs g\u00e9n\u00e9raux sont de maintenir la stabilit\u00e9 financi\u00e8re dans l'UE et de garantir l'int\u00e9grit\u00e9, l'efficacit\u00e9 et le bon fonctionnement du secteur bancaire.<\/p><p class=\" translation-block\">L'ABE fait partie du Syst\u00e8me europ\u00e9en de surveillance financi\u00e8re (<strong><strong style=\"color: #1cbbb4\">SESF<\/strong><\/strong>), compos\u00e9 de trois autorit\u00e9s de surveillance : l'European Securities and Markets (<strong><strong style=\"color: #1cbbb4\">ESMA<\/strong><\/strong>), l'Autorit\u00e9 bancaire europ\u00e9enne (ABE) et l'Autorit\u00e9 europ\u00e9enne des assurances et des pensions professionnelles (<strong><strong>EIOPA<\/strong><\/strong>). Le syst\u00e8me comprend \u00e9galement le Comit\u00e9 europ\u00e9en du risque syst\u00e9mique (<strong><strong style=\"color: #1cbbb4\">ESRB<\/strong><\/strong>), ainsi que le Comit\u00e9 mixte des autorit\u00e9s de surveillance nationales et europ\u00e9ennes.<\/p><p>Au cours de la p\u00e9riode janvier - d\u00e9cembre 2023, le compte courant de la balance des paiements a enregistr\u00e9 un d\u00e9ficit de 22 694 millions d'euros, contre 26 040 millions d'euros au cours de la p\u00e9riode janvier - d\u00e9cembre 2022. Dans sa structure, la balance des biens a enregistr\u00e9 un d\u00e9ficit inf\u00e9rieur de 2,990 millions d'euros, la balance des services a enregistr\u00e9 un exc\u00e9dent plus important de 204 millions d'euros, la balance des revenus primaires a enregistr\u00e9 un d\u00e9ficit plus faible de 9 millions d'euros et la balance des revenus secondaires a enregistr\u00e9 un exc\u00e9dent plus important de 143 millions d'euros.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7639c4 elementor-widget elementor-widget-image\" data-id=\"e7639c4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"284\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png\" class=\"attachment-large size-large wp-image-1621\" alt=\"Banc\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png 1024w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-300x107.png 300w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-768x273.png 768w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-18x6.png 18w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci.png 1234w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01451ab elementor-widget elementor-widget-text-editor\" data-id=\"01451ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\">Les <strong><strong style=\"color: #1cbbb4\">Les investissements directs des non-r\u00e9sidents <\/strong><\/strong>en Roumanie ont totalis\u00e9 6,587 millions d'euros (contre 10,039 millions d'euros pour la p\u00e9riode janvier - d\u00e9cembre 2022), dont les participations (y compris le b\u00e9n\u00e9fice net r\u00e9investi estim\u00e9) ont totalis\u00e9 une valeur nette de 6,548 millions d'euros et les pr\u00eats intragroupe ont enregistr\u00e9 une valeur nette de 39 millions d'euros.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440e4ab elementor-widget elementor-widget-text-editor\" data-id=\"440e4ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tEntre janvier et d\u00e9cembre 2023, la dette ext\u00e9rieure totale a augment\u00e9 de 24,926 millions d'euros, pour atteindre 168,812 millions d'euros. En structure:\n<ul>\n \t<li>la dette ext\u00e9rieure \u00e0 long terme s'\u00e9l\u00e8ve \u00e0 121,162 millions d'euros au 31 d\u00e9cembre 2023 (71,8 pour cent de la dette ext\u00e9rieure totale), en augmentation de 22,8 pour cent par rapport au 31 d\u00e9cembre 2022;<\/li>\n \t<li>la dette ext\u00e9rieure \u00e0 court terme a enregistr\u00e9 au 31 d\u00e9cembre 2023 le niveau de 47,650 millions d'euros (28,2 pour cent de la dette ext\u00e9rieure totale), en augmentation de 5,3 pour cent par rapport au 31 d\u00e9cembre 2022.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3670d3c elementor-widget elementor-widget-text-editor\" data-id=\"3670d3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Le taux du service de la dette ext\u00e9rieure \u00e0 long terme <\/strong><\/strong>\u00e9tait de 17,4 pour cent entre janvier et d\u00e9cembre 2023, contre 17,9 pour cent en 2022. le degr\u00e9 de couverture des importations de biens et services au 31 d\u00e9cembre 2023 \u00e9tait de 5,6 mois, contre 4,4 mois au 31 d\u00e9cembre 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Le degr\u00e9 de couverture de la dette ext\u00e9rieure \u00e0 court terme<\/strong><\/strong>, calcul\u00e9 \u00e0 la valeur r\u00e9siduelle, avec les r\u00e9serves de change de la BNR en d\u00e9cembre Au 31 d\u00e9cembre 2023, il \u00e9tait de 97,4 pour cent, contre 82,4 pour cent au 31 d\u00e9cembre 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Bureau de Cr\u00e9dit <\/strong><\/strong>est une institution qui a comme actionnaires 20 banques qui collectent des informations sur les clients des banques afin d'obtenir un dossier clair de la fa\u00e7on dont les versements sont pay\u00e9s, qui paie, qui ne le fait pas.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2447b3f elementor-widget elementor-widget-text-editor\" data-id=\"2447b3f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tVous vous retrouvez sur la liste du Bureau de Cr\u00e9dit si:\n<ul>\n \t<li>vous \u00eates en retard dans le paiement de l'acompte de plus de 30 jours calendaires<\/li>\n \t<li>le montant d\u00fb est sup\u00e9rieur \u00e0 10 lei<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492c673 elementor-widget elementor-widget-text-editor\" data-id=\"492c673\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\">La banque vous informera<strong> <strong style=\"color: #1cbbb4\">15 jours \u00e0 l'avance<\/strong><\/strong> que vous \u00eates en retard dans le paiement d'une acompte et qu'elle transmettra cette information au bureau de cr\u00e9dit.<\/p><p>Si vous souhaitez \u00e9viter d'appara\u00eetre avec un historique n\u00e9gatif, vous pouvez soumettre une demande de suppression de la liste noire et c'est totalement gratuit. La condition pour que la banque vous signale au bureau de cr\u00e9dit est d'en \u00eatre inform\u00e9e. Il est donc impossible que vous ayez des surprises et que vous d\u00e9couvriez que vous \u00eates sur la liste alors que vous n\u2019en aviez aucune id\u00e9e.<\/p><p>Vous ne pouvez pas demander \u00e0 la banque d'\u00eatre retir\u00e9e de la liste, car le Bureau de Cr\u00e9dit n'est qu'une base de donn\u00e9es, un interm\u00e9diaire entre vous et la banque. Vous devez contacter directement le bureau de cr\u00e9dit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8e96e6 elementor-widget elementor-widget-text-editor\" data-id=\"e8e96e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tDes situations impr\u00e9vues peuvent \u00e9galement survenir<strong> <strong style=\"color: #1cbbb4;\">demander la suppression de la base de donn\u00e9es <\/strong><\/strong>du Bureau de cr\u00e9dit:\n<ul>\n \t<li>Il se peut qu'une erreur mat\u00e9rielle se soit gliss\u00e9e et vous pouvez demander la suppression sur cette base. Par exemple, si la banque vous a envoy\u00e9 le mauvais CNP.<\/li>\n \t<li>Si la banque qui vous a signal\u00e9 ne vous a pas averti au moins 15 jours calendaires \u00e0 l'avance.<\/li>\n \t<li>Il existe des situations dans lesquelles la banque peut omettre d'annuler le pr\u00eat, m\u00eame si le terme de 4 ans est \u00e9coul\u00e9 et que le pr\u00eat a \u00e9t\u00e9 rembours\u00e9.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-115c494 elementor-widget elementor-widget-text-editor\" data-id=\"115c494\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong><strong style=\"color: #1cbbb4;\">Pointage de cr\u00e9dit <\/strong><\/strong>\u00a0= Le degr\u00e9 de risque en fonction duquel la banque d\u00e9cide de vous accorder ou non le pr\u00eat est indiqu\u00e9 par un nombre compris entre 300 et 850, appel\u00e9 score FICO. Fondamentalement, le score est une note que vous recevez du bureau de cr\u00e9dit et qui prend en compte plusieurs facteurs, tels que:\n<ul>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Historique des paiements<\/strong><\/strong>\u00a0: il compte si vous payez vos dettes \u00e0 temps et si vous \u00eates en retard ou en retard, il compte les montants dus et depuis combien de temps tu es en retard. L\u2019historique des paiements vaut 35 % de votre score FICO.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Cr\u00e9dits en cours<\/strong><\/strong>\u00a0: plus vous avez de cr\u00e9dits en cours, plus vous soul\u00e8verez de points d'interrogation, le statut des versements compte aussi ou si vous \u00eates en retard dans le paiement des acomptes. Cet indice vaut 30% de la note finale.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Dur\u00e9e de l'historique<\/strong><\/strong>\u00a0: il v\u00e9rifiera combien de temps s'est \u00e9coul\u00e9 depuis que vous avez re\u00e7u le premier cr\u00e9dit, plus la dur\u00e9e est longue, avec plus vous avez de chances d\u2019obtenir un pr\u00eat car votre situation financi\u00e8re jusqu\u2019\u00e0 pr\u00e9sent ne vous a pas oblig\u00e9 \u00e0 acc\u00e9der \u00e0 un pr\u00eat. Ce facteur vaut 15 % de votre score FICO.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Nouveaux pr\u00eats<\/strong><\/strong>\u00a0: il v\u00e9rifie \u00e0 quels types de pr\u00eats vous avez acc\u00e9d\u00e9 r\u00e9cemment, si au cours des 5 derni\u00e8res ann\u00e9es vous avez ouvert 2 pr\u00eats personnels besoins, et un pr\u00eat hypoth\u00e9caire, nous pouvons avoir un probl\u00e8me, \u00e9tant donn\u00e9 que vous contribuez 40% de vos revenus pour payer les pr\u00eats, vous n'avez certainement aucun moyen d'en acc\u00e9der \u00e0 un nouveau. Cet indice a une valeur de 10 % du score FICO total.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Types de pr\u00eats<\/strong><\/strong>\u00a0: le score sera \u00e9galement influenc\u00e9 par les types de pr\u00eats auxquels vous avez acc\u00e9d\u00e9 au fil du temps (pr\u00eat pour besoins personnels, pr\u00eat hypoth\u00e9caire, pr\u00eat automobile, etc.). Ce facteur s'ajoute \u00e0 votre score FICO total et repr\u00e9sente les 10 derniers %.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ce56a65 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ce56a65\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f9b6e8 elementor-widget elementor-widget-template\" data-id=\"8f9b6e8\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"537\" class=\"elementor elementor-537\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c1293ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c1293ef\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e1a959\" data-id=\"1e1a959\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4384bc83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4384bc83\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-622f0363\" data-id=\"622f0363\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63de2ff7 elementor-widget elementor-widget-heading\" data-id=\"63de2ff7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Industries<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16dd4857 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"16dd4857\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" 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elementor-element elementor-element-f6863ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6863ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3507d19\" data-id=\"3507d19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-46d4dd0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46d4dd0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3461128\" data-id=\"3461128\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5edbd05 elementor-widget elementor-widget-icon-box\" data-id=\"5edbd05\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.legaltobusiness.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h2 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tArticles dans le domaine\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6eeba elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"bb6eeba\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" d=\"M238.07,40.89a6.71,6.71,0,0,1,3.21-4.73,21.17,21.17,0,0,1,10.11-2.28h1.55v-.45H205.32v.45h2.77a20.61,20.61,0,0,1,10.31,2.39q2.35,1.4,3,5t.7,16.13V76.73H185V90h37.13v18.78q0,13.13-.7,16.72a7.7,7.7,0,0,1-3.28,5.28,16.42,16.42,0,0,1-9.22,2.7h-3.62v.45h47.62v-.45h-2.4a16.18,16.18,0,0,1-9.57-2.85,8.18,8.18,0,0,1-3.13-5.67q-.57-3.82-.57-16.18V57.41Q237.27,44.38,238.07,40.89Z\"><\/path><path class=\"cls-1\" d=\"M113.93,44.77l-6.22-14.9h-3L69.73,113l-4.79,12a14.45,14.45,0,0,1-4.36,5.84c-1.82,1.41-4.56,2.3-8.21,2.65v.39H93.5v-.39c-5,0-8.45-.36-10.23-1.1A4.36,4.36,0,0,1,80.61,128c0-1.14,1.19-5.57,3.56-11.17L95.86,88.49h20.59V75.26H101.33Z\"><\/path><\/g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-63752d0 elementor-posts--align-center elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-invisible elementor-widget elementor-widget-posts\" data-id=\"63752d0\" data-element_type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:40,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;classic_columns&quot;:&quot;3&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.legaltobusiness.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-925 post type-post status-publish format-standard has-post-thumbnail hentry category-asigurari category-banci category-imobile tag-bancar\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.legaltobusiness.com\/fr\/acces-la-finantare\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"347\" height=\"231\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10.png\" class=\"attachment-medium_large size-medium_large wp-image-926\" alt=\"Acces la finan\u021bare. Finan\u021bare. UE. Uniune European\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/fr\/acces-la-finantare\/\" >\n\t\t\t\tL&#039;acc\u00e8s au financement\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t29 octobre 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-945 post type-post status-publish format-standard has-post-thumbnail hentry category-agricultura category-arta-cultura category-asigurari category-banci category-comert category-compliance category-comunicatii-it category-contracte category-corporatii-societati category-date-personale category-divertisment-media category-dizolvare-lichidare category-due-diligence category-educatie category-energie category-fiscal category-fuziuni-achizitii category-imobile category-jocuri-de-noroc category-litigii-arbitraj-mediere category-mediul-inconjurator category-munca-protectie-sociala category-ong category-private-equity-venture-capital category-pro-bono category-proprietate-intelectuala category-sanatate-farmacie category-transporturi category-turism tag-societati\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.legaltobusiness.com\/fr\/sediul-social-al-societatilor\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"347\" height=\"231\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png\" class=\"attachment-medium_large size-medium_large wp-image-947\" alt=\"Sediul social al societ\u0103\u021bilor. Business\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/fr\/sediul-social-al-societatilor\/\" >\n\t\t\t\tLe si\u00e8ge social de la soci\u00e9t\u00e9\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t1 septembre 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Industrii Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei. Este o institu\u0163ie public\u0103 independent\u0103, cu sediul central \u00een municipiul Bucure\u015fti. \u00cencep\u00e2nd cu 1 ianuarie<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1613","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u0103nci | Fintech - Legal to Business<\/title>\n<meta name=\"description\" content=\"Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei.\" \/>\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.legaltobusiness.com\/fr\/banci-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u0103nci | Fintech - 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