{"id":900,"date":"2023-11-22T08:19:11","date_gmt":"2023-11-22T08:19:11","guid":{"rendered":"https:\/\/silviabogdan.ro\/?p=900"},"modified":"2024-09-12T19:28:13","modified_gmt":"2024-09-12T19:28:13","slug":"eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-7","status":"publish","type":"post","link":"https:\/\/silviabogdan.ro\/eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-7\/","title":{"rendered":"Eu \u0219i Banii | Un jurnal personal de aventuri financiare | Capitolul 7"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"900\" class=\"elementor elementor-900\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2764305 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2764305\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe96ca2\" data-id=\"fe96ca2\" 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-ae2011f elementor-widget elementor-widget-text-editor\" data-id=\"ae2011f\" 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<h5 class=\"p1\"><b>Eu \u0219i Banii | 7<\/b><span class=\"s1\"><b><sup>th<\/sup><\/b><\/span><b> ISTORIA BANILOR SPUS\u0102 DE PRIETENI<\/b><\/h5><p class=\"p3\">\u00cen prima zi de vacan\u021b\u0103, reuni\u021bi la malul apei, cei 5 prieteni dialogheaz\u0103 pe tema schimbului de bunuri, a apari\u021biei monedelor \u0219i evolu\u021biei bancnotelor. Animat\u0103 de sunetul glasurilor tinerilor care vehiculau informa\u021bii pe parcursul c\u0103l\u0103toriei lor financiare, valea s-a transformat dintr-o dat\u0103 \u00eentr-un t\u0103r\u00e2m al cunoa\u0219terii, cu r\u00e2sete cristaline, expresii de bun\u0103 dispozi\u021bie \u0219i pe alocuri, pline de uimire.<\/p><p class=\"p5\">Ada: Hei, m\u0103 bucur s\u0103 v\u0103 rev\u0103d! Mi-a fost tare dor de discu\u021biile noastre, iar ast\u0103zi pare ziua perfect\u0103 s\u0103 povestim. Sunt curioas\u0103 s\u0103 aflu ce a\u021bi descoperit despre troc \u0219i bani?<\/p><p class=\"p5\">George: Dup\u0103 toate aparen\u021bele, \u00een Epoca de Piatr\u0103, c\u00e2nd oamenii au devenit agricultori, c\u00e2nd \u00ee\u0219i adunau recoltele \u0219i cre\u0219teau animale, au con\u0219tientizat c\u0103 produceau mai mult dec\u00e2t puteau consuma. A\u0219a a ap\u0103rut trocul.<\/p><p class=\"p5\">Rare\u0219: Trocul a fost o modalitate greoaie folosit\u0103 pentru primele schimburi comerciale dintre oameni. Bunurile, \u00een plus, erau schimbate pentru lucruri care lipseau din gospod\u0103rie.\u00a0<\/p><p class=\"p5\">Daniel: Sarea, condimentele, ceaiul, vitele sau gr\u00e2nele, chiar lemnul, au fost primii &#8220;bani&#8221; ai omenirii. Ceva mai t\u00e2rziu, \u00een unele societ\u0103\u021bi erau folosite m\u0103rgelele de filde\u0219, pietrele \u0219lefuite, <span class=\"s2\">pepitele<\/span> din aur sau argint.<\/p><p class=\"p5\">Rare\u0219: Mi se pare fascinant c\u0103 banii au ap\u0103rut din nevoia de a \u00eenlocui trocul.\u00a0Practic, a\u0219a au ap\u0103rut\u00a0\u201ebanii marf\u0103\u201d, \u00eens\u0103 doar anumite m\u0103rfuri au devenit mijloc de schimb.<\/p><p class=\"p5\">George: Apari\u021bia banilor a fost un pas important pentru comer\u021b, \u00eens\u0103 transportul monedelor grele a fost mai mereu incomod\u0103. Proful de mate ne-a spus c\u0103 exista o moned\u0103 at\u00e2t de grea \u0219i de mare c\u0103 era transportat\u0103 cu ajutorul unor pr\u0103jini. De fapt, moneda aceasta exist\u0103 \u0219i \u00eenc\u0103 mai este folosit\u0103. Am s\u0103 detaliez pu\u021bin mai t\u00e2rziu.<\/p><p class=\"p5\">Ana: Eu am aflat c\u0103 \u00een trecut, banii au fost utiliza\u021bi \u00een principal \u00een comer\u021b ca mijloc de plat\u0103, sub form\u0103 de monede.<\/p><p class=\"p5\">Daniel: Da, iar ulterior, au ap\u0103rut chitan\u021bele de banc\u0103 (str\u0103mo\u0219ul bancnotelor) \u0219i acum, \u00een lumea modern\u0103 mijloacele electronice de plat\u0103 \u0219i moneda cripto.<\/p><p class=\"p5\">George: Bine, dar care au fost primele monede ap\u0103rute \u0219i cum au ajuns banii bancnote?<\/p><p class=\"p5\">Ada: Hai s\u0103 v\u0103 spun o poveste. Dup\u0103 toate aparen\u021bele, primele monede din metale pre\u021bioase au ap\u0103rut \u00een cetatea Lidia, o colonie greceasc\u0103 din Asia Mic\u0103, \u00een prezent teritoriu turcesc, momentul fiind marcat de istoricul Herodot. Locuitorii Lidiei au b\u0103tut primele monede din <span class=\"s2\">electrum<\/span> sau aur alb, un aliaj de aur extras din r\u00e2urile actualei Anatolii \u015fi din argint, \u00een propor\u021bii egale.<\/p><p class=\"p5\">Daniel: De la lec\u021bia de istorie, am aflat c\u0103 tot atunci a ap\u0103rut primul bancher, Pithius, iar regele grec Cressus, a b\u0103tut primele monede de aur.<\/p><p class=\"p5\">Ana: Eu am aflat c\u0103 cele mai vechi \u00eenregistr\u0103ri referitoare la utilizarea metalelor pre\u021bioase \u00eenainte de apari\u021bia sistemului monetar sunt din Mesopotamia \u0219i Egipt.<\/p><p class=\"p5\">Ada: Referitor la bancnote, am citit c\u0103 fondatorii primelor bancnote sunt considera\u021bi chinezii. De altfel, tot ei au inventat \u0219i h\u00e2rtia. Dezvoltarea bancnotei a \u00eenceput \u00een secolul al VII-lea, \u00een timpul dinastiei Tang, dar banii de h\u00e2rtie adev\u0103ra\u021bi au ap\u0103rut \u00een secolul al XI-lea, \u00een timpul dinastiei Song.<\/p><p class=\"p5\">George: A\u0219a este! Pare c\u0103 \u00een jurul anului 100 d.Hr., un func\u021bionar de la curtea chinez\u0103 a m\u0103cinat un amestec de scoar\u021b\u0103 de mure, bumbac \u0219i plase de pescuit \u0219i a inventat h\u00e2rtia.<\/p><p class=\"p5\">Rare\u0219: Iar c\u00e2teva secole mai t\u00e2rziu, cineva a inventat tiparul.<\/p><p class=\"p5\">Daniel: \u00cen plus, negustorii chinezi din capitala Sichuan au emis primele poli\u021be de schimb, care au fost garantate cu m\u0103rfuri. Altfel spus, comercian\u021bii p\u0103strau monedele \u00een seifuri \u0219i eliberau ni\u0219te chitan\u021be, pe care notau suma total\u0103 de bani. Cu timpul, h\u00e2rtiile eliberate au \u00eenceput s\u0103 fie folosite ca mijloace de plat\u0103, iar utilizarea lor a dat na\u0219tere la h\u00e2rtia-moned\u0103.<\/p><p class=\"p5\">Rare\u0219: La modul practic, h\u00e2rtia-moned\u0103 a fost o nou\u0103 tehnologie \u00een acele vremuri, pentru c\u0103 se baza pe h\u00e2rtie \u0219i pe tipar. \u00cen\u021beleg c\u0103 a\u0219a a luat na\u0219tere acest instrument care a facilitat comer\u021bul. Schimbul sporit de idei \u0219i mai marea specializare economic\u0103, a condus la faptul c\u0103 oamenii puteau s\u0103 cultive mai mult\u0103 hran\u0103, s\u0103 produc\u0103 mai multe bunuri sau s\u0103 ofere servicii.<\/p><p class=\"p5\">Daniel: Apari\u021bia bancnotelor a ajutat China s\u0103 devin\u0103 mai bogat\u0103. \u00cens\u0103, minusul cel mai mare a fost c\u0103 guvernan\u021bii puteau tip\u0103ri bani cu nemiluita, ceea ce deseori a dus la perioade cu infla\u021bie ruin\u0103toare pentru popula\u021bie.<\/p><p class=\"p5\">George: Ah, \u0219tiu \u0219i eu un am\u0103nunt mai picant. Pe primele bancnote chineze\u0219ti au scris \u02ddTo\u021bi falsificatorii vor fi executa\u021bi\u201d. Pare c\u0103 din timpuri str\u0103vechi, responsabilitatea asumat\u0103 era o piatr\u0103 de hotar \u00een cultura chinez\u0103.<\/p><p class=\"p5\">Ada: Dup\u0103 toate aparen\u021bele, banii de h\u00e2rtie au ap\u0103rut \u0219i \u00een Europa, \u00een secolul al XIII-lea, odat\u0103 cu c\u0103l\u0103toriile lui Marco Polo, \u00eens\u0103 r\u0103sp\u00e2ndirea acestora a fost lent\u0103 \u0219i greoaie.<\/p><p class=\"p5\">George: Da, se pare c\u0103 pe vremea aceea, a fost greu de acceptat ca o bucat\u0103 de h\u00e2rtie s\u0103 devin\u0103 la fel de valoroas\u0103 ca o moned\u0103.<\/p><p class=\"p5\">Daniel: Iar eu am aflat c\u0103 primele bancnote tip\u0103rite de c\u0103tre un stat au fost emise de guvernele coloniale din partea de nord a continentului American.<\/p><p class=\"p5\">George: Bancnotele de h\u00e2rtie, \u00eencep\u00e2nd cu secolul al XIX-lea, erau tip\u0103rite pe o h\u00e2rtie fin\u0103 multistrat, foarte rezistent\u0103 la \u00eemb\u0103tr\u00e2nire \u0219i la m\u00e2nuire, purt\u0103toare de un filigran. \u00cen ultimii treizeci de ani, tot mai multe state au trecut la adoptarea bancnotelor din polipropilen\u0103, care sunt mult mai rezistente la rupere \u0219i la \u0219ifonare dec\u00e2t cele de h\u00e2rtie.<\/p><p class=\"p5\">Ana: Bancnotele noastre chiar a\u0219a sunt, dar au fost emise doar de c\u00e2\u021biva ani.<\/p><p class=\"p5\">Rare\u0219: Am aflat \u0219i eu ceva surprinz\u0103tor! Am g\u0103sit un articol referitor la o a\u0219a numita moned\u0103 Fiat. Mi s-a p\u0103rut interesant\u0103 evolu\u021bia monedei \u00een lume. Pare c\u0103 aceast\u0103 moned\u0103 Fiat reprezint\u0103 un mijloc de schimb stabilit ca bani care prin reglement\u0103ri guvernamentale poate fi declarat\u0103 mijloc legal de plat\u0103, aceasta nefiind sus\u021binut\u0103 de o marf\u0103 fizic\u0103.<\/p><p class=\"p5\">Ana: Ce vrei s\u0103 spui cu asta? Nu \u00een\u021beleg!<\/p><p class=\"p5\">Rare\u0219: Valoarea monedei Fiat deriv\u0103 din raportul dintre cererea \u0219i oferta din pia\u021b\u0103 \u0219i nu din valoarea materialului din care sunt confec\u021biona\u021bi banii.<\/p><p class=\"p5\">George: Adaug \u0219i eu c\u0103 din punct de vedere istoric, cele mai multe valute s-au bazat pe m\u0103rfuri fizice (<a href=\"http:\/\/www.stiri-economice.ro\/ce-sunt-banii.html\">bani marf\u0103<\/a>), precum aurul sau argintul, \u00een timp ce moneda Fiat se bazeaz\u0103 doar pe \u00eencrederea \u0219i creditul, pe care comercian\u021bii le acord\u0103 economiei.<\/p><p class=\"p5\">Rare\u0219: Cu alte cuvinte, moneda Fiat nu are valoare intrinsec\u0103 \u0219i nu are valoare utilitar\u0103 (utilitate inerent\u0103, cum ar fi o piele de vac\u0103 sau o blan\u0103 de castor). Aceasta are valoare doar pentru c\u0103 un guvern \u00eei men\u021bine cota sau pentru c\u0103 p\u0103r\u021bile care se angajeaz\u0103 \u00een schimbul economic sunt de acord asupra valorii acesteia.<\/p><p class=\"p5\">Ana: Aaaa\u2026. Devine complicat pentru mine. Nu cred c\u0103 m-ajut\u0103 informa\u021bia aceasta\u2026<\/p><p class=\"p5\">Daniel: Bine, sunt de acord cu Ana. Dar care sunt func\u021biile banilor? \u0218tiu c\u0103 am mai deschis subiectul, dar ce le d\u0103 banilor importan\u021b\u0103?<\/p><p class=\"p5\">George: Cred c\u0103 banii contribuie la dezvoltarea matematicii financiare \u00een domeniul analizei de risc \u0219i contribuie la dezvoltarea omenirii odat\u0103 cu apari\u021bia unor probleme de datorie, deficite, blocaje de pia\u021b\u0103, falimente, crize, inegalitatea veniturilor, profitabilitatea corpora\u021biilor etc.<\/p><p class=\"p5\">Daniel: Banii influen\u021beaz\u0103 dezvoltarea tehnologiilor, calea c\u0103tre \u00een\u021belegerea fenomenelor men\u021bionate de George \u0219i se dezvolt\u0103 prin inovare, devin mai eficien\u021bi \u0219i nu sunt \u00een mod inerent buni sau r\u0103i.<\/p><p class=\"p5\">Ada: Hei, George, Daniel, v-a\u021bi dus chiar prea departe. Eu nu pot procesa at\u00e2t de mut\u0103 informa\u021bie. Este mult prea complex ce spune\u021bi voi aici.<\/p><p class=\"p5\">Rare\u0219: Nu-i nimic, eu zic c\u0103 putem aprofunda mai t\u00e2rziu, atunci c\u00e2nd vom fi preg\u0103ti\u021bi. Informa\u021bia este \u00eentotdeauna valoroas\u0103.<\/p><p class=\"p3\">George: \u00cenainte de a ne desp\u0103r\u021bi, da\u021bi-mi voie s\u0103 v\u0103 spun \u0219i eu despre o moned\u0103 mai pu\u021bin obi\u0219nuit\u0103, denumit\u0103 moneda Rai. Aceasta este moneda de piatra a insulei Yap, situat\u0103 la circa 400 mile sud-vest de Guam \u0219i 250 mile de Palau, \u00een Micronezia, \u00een vestul oceanului Pacific.\u00a0De\u0219i \u00een prezent dolarul american este moneda de circula\u021bie, localnicii \u00eenc\u0103 utilizeaz\u0103 pentru cump\u0103r\u0103ri de terenuri, daruri de nunt\u0103 etc. ni\u0219te discuri din aragonit, asem\u0103n\u0103toare unor pietre de moar\u0103 cu o gaur\u0103 \u00een mijloc, manevrat\u0103 cu pr\u0103jini. \u00cen trecut monedele Rai erau folosite ca mijloc de plat\u0103 pentru cump\u0103rarea de hran\u0103, p\u0103m\u00e2nturi, case, b\u0103rci canoe sau ca daruri la diverse ceremonii. \u00cen 1910 o moned\u0103 cu diametrul de 3 palme valora\u00a01.000 nuci de cocos sau un purcel de 40-50 kg, ori 50 co\u0219uri de cereale.<\/p><p class=\"p3\">Rare\u0219: Uau! Foarte interesant, mai ales c\u0103 este \u00eenc\u0103 utilizat\u0103 ocazional!<\/p><p class=\"p3\">Ada: O, dar s\u0103 nu uit\u0103m de moneda digital\u0103, din zilele noastre. Am citit chiar acum c\u0103 o tem\u0103 care str\u0103bate ca un fir de aur istoria banilor, este caracterizat\u0103 de tensiunea existent\u0103 \u00eentre guverne \u0219i firmele private care emit monede, pe m\u0103sur\u0103 ce moneda digital\u0103 evolueaz\u0103.<\/p><p class=\"p3\">Daniel: Legat de asta, eu tare sunt curios s\u0103 afl\u0103m despre provoc\u0103rile economice cu care se confruntau oamenii \u00een diferite epoci \u0219i despre modul \u00een care \u00ee\u0219i gestionau ei finan\u021bele. Cred c\u0103 am putea ob\u021bine lec\u021bii valoroase din succesele \u0219i e\u0219ecurile lor, pentru viitorul nostru hiper-digitalizat.<\/p><p class=\"p3\">O lini\u0219te t\u0103cut\u0103 s-a a\u0219ternut peste vale \u00een timp ce Ada st\u0103tea \u00een fa\u021ba capodoperei la care tocmai lucra, pentru a transfera \u00een art\u0103 conversa\u021bia avut\u0103 cu cei 4 prieteni ai s\u0103i. Loviturile penelului dansau pe p\u00e2nz\u0103, captur\u00e2nd esen\u021ba istoriei banilor \u0219i a abunden\u021bei informa\u021biilor pe care le vehiculaser\u0103 ast\u0103zi. Era ca \u0219i cum tabloul \u00eei \u0219optea secrete referitoare la apari\u021bia banilor \u0219i evolu\u021biei acestora \u00een timp, amintindu-i c\u0103 adev\u0103rata provocare avea s\u0103 se extind\u0103 cur\u00e2nd, dincolo de monedele fizice, cuprinz\u00e2nd experien\u021bele ce se prefigureaz\u0103 s\u0103 vin\u0103 odat\u0103 cu moneda digital\u0103 a viitorului.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b83b6a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b83b6a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97cb72a\" data-id=\"97cb72a\" 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-580af24 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"580af24\" 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<\/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-fca9696 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fca9696\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9653c3\" data-id=\"d9653c3\" 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-51bb7bf elementor-widget elementor-widget-text-editor\" data-id=\"51bb7bf\" 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<h5 class=\"p5\"><b>PAGIN\u0102 DE JURNAL | Istoria Banilor scris\u0103 chiar de tine<\/b><\/h5><p class=\"p5\">Dac\u0103 am reu\u0219it s\u0103-\u021bi suscit interesul, te provoc s\u0103 aprofundezi subiectul, acces\u00e2nd informa\u021biile din internet \u0219i c\u0103r\u021bile de specialitate care adreseaz\u0103 acest subiect.\u00a0<\/p><p class=\"p5\">\u00cen plus, pentru a capta c\u00e2t mai memorabil informa\u021biile pe care le-ai aflat parcurg\u00e2nd acest capitol \u0219i document\u00e2ndu-te ulterior, te rog s\u0103 creezi o schi\u021b\u0103, s\u0103 scrii un eseu, s\u0103 compui un c\u00e2ntecel sau o poezie, s\u0103 inventezi un dans sau s\u0103 alegi orice form\u0103 de exprimare \u00ee\u021bi este \u021bie drag\u0103. Fii creativ(\u0103) dar \u0219i distreaz\u0103-te! Apoi, arat\u0103 opera ta celorlal\u021bi.\u00a0\u00a0<\/p><p class=\"p5\">\u00cen plus, despre bani \u0219i istoria lor, ai putea s\u0103 le poveste\u0219ti fra\u021bilor, verilor, prietenilor \u0219i colegilor t\u0103i de la \u0219coal\u0103.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9ed21a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9ed21a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64ff9f9\" data-id=\"64ff9f9\" 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-5659e85 elementor-widget elementor-widget-text-editor\" data-id=\"5659e85\" 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>\u00a0<\/p><p class=\"p1\"><b>Afl\u0103 detalii despre Istoria Banilor <\/b>|\u00a0 by T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5a3ac2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5a3ac2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-941e27a\" data-id=\"941e27a\" 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-77f3360 elementor-widget elementor-widget-video\" data-id=\"77f3360\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=czEPG75wzPI&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\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-5644242 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5644242\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e88528\" data-id=\"7e88528\" 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-82fbe73 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"82fbe73\" 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<\/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-0574f23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0574f23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d0a315c\" data-id=\"d0a315c\" 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-cf4faf9 elementor-widget elementor-widget-text-editor\" data-id=\"cf4faf9\" 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<h5 class=\"p5\"><b>\u0218tiai c\u0103\u2026<\/b><\/h5><p class=\"p5\">\u00cen America, la mijlocul secolului al XIX-lea, aproape orice banc\u0103 putea s\u0103-\u0219i tip\u0103reasc\u0103 propria moned\u0103 de h\u00e2rtie \u0219i ca urmare a acestui fapt, la un moment dat, b\u0103ncile private tip\u0103reau mai mult de 8.000 de tipuri diferite de bani. Acest risc a disp\u0103rut abia \u00een anii 1930, c\u00e2nd guvernul federal al SUA a \u00eenceput s\u0103 asigure majoritatea depozitelor bancare.<\/p><p class=\"p5\">Acum \u00eens\u0103, la nivel mondial, b\u0103ncile moderne creeaz\u0103 bani publici sau priva\u021bi care, la r\u00e2ndul lor, sunt garanta\u021bi de guvernul statului care emite moneda respectiv\u0103.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30732ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30732ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81d1024\" data-id=\"81d1024\" 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-95c2d79 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"95c2d79\" 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<\/span>\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-d75127a elementor-widget elementor-widget-text-editor\" data-id=\"d75127a\" 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>\u00a0<\/p><p class=\"p1\"><b>Bibliografie<\/b>:<\/p><ul class=\"ul1\"><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.cityindex.com\/en-uk\/news-and-analysis\/history-of-money\/\"><span class=\"s2\">https:\/\/www.cityindex.com\/en-uk\/news-and-analysis\/history-of-money\/<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/mint.intuit.com\/blog\/investments\/the-history-of-money\/\"><span class=\"s2\">https:\/\/mint.intuit.com\/blog\/investments\/the-history-of-money\/<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.rba.gov.au\/education\/resources\/explainers\/what-is-money.html\"><span class=\"s2\">https:\/\/www.rba.gov.au\/education\/resources\/explainers\/what-is-money.html<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.investopedia.com\/articles\/07\/roots_of_money.asp\"><span class=\"s2\">https:\/\/www.investopedia.com\/articles\/07\/roots_of_money.asp<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.investopedia.com\/terms\/m\/money.asp\"><span class=\"s2\">https:\/\/www.investopedia.com\/terms\/m\/money.asp<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/time.com\/6106675\/money-history-future\/\"><span class=\"s2\">https:\/\/time.com\/6106675\/money-history-future\/<\/span><\/a><\/span><\/li><\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3b26d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3b26d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8b4b4a\" data-id=\"b8b4b4a\" 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-5a71614 elementor-widget elementor-widget-text-editor\" data-id=\"5a71614\" 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>\u00a0<\/p><h5 class=\"p1\"><b>C\u00e2\u0219tig\u0103 bani cu inteligen\u021b\u0103, economise\u0219te-i cu consecven\u021b\u0103 \u0219i cheltuie-i cu \u00een\u021belepciune!<\/b><\/h5>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>POVESTEA BANILOR SPUS\u0102 DE PRIETENI | C\u00e2nd nu existau mijloace de transport mecanizate, capacitatea de a muta valoarea tranzac\u021biilor economice pe c\u00e2teva buc\u0103\u021bi de h\u00e2rtie, \u00een loc de o c\u0103ru\u021b\u0103 plin\u0103 cu produse agricole sau cu monede de metal, a fost un progres real pentru omenire.<\/p>\n","protected":false},"author":8473,"featured_media":1226,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,9,13],"tags":[],"class_list":["post-900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educatia-financiara-timpurie","category-educatie-financiara","category-educatie-pentru-o-viata-prospera"],"_links":{"self":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/900"}],"collection":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/users\/8473"}],"replies":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/comments?post=900"}],"version-history":[{"count":25,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/900\/revisions"}],"predecessor-version":[{"id":1229,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/900\/revisions\/1229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media\/1226"}],"wp:attachment":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media?parent=900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/categories?post=900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/tags?post=900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}