SPECIFICUL DECONTARILOR INTERBANCARE NATIONALE ÎN
            CADRUL SISTEMULUI ELECTRONIC DE PLATI /
    SPECIFICITIES OF INTERBANK SETTLEMENT IN THE NATIONAL
               SYSTEM FOR ELECTRONIC PAYMENTS

Lect. univ. dr. Socol Adela – Universitatea „1 Decembrie 1918” Alba Iulia, e-mail:
adelasocol@yahoo.com
Lect. univ. dr. Codruta Fat – Universitatea „Babes-Bolyai” Cluj Napoca, e-mail:
codrutafat@yahoo.com

Abstract:
The paper presents from the past until present the situation of the inter-banking payment systems
from Romania, with the critical aspect of the transforming procedural stages in the period that
followed the centralized economy, the post communist period. It is presented the present stage and
developing opportunities for a National System of Electronic Payments, a modern and suitable
system for the requirements of the European Union, Romania following to be a member from
January 1st 2007. The elements of the Romanian electronic Gross Interbank Settlement – ReGIS,
SENT (Electronic System of the Payments) and SaFIR (Recording the Financial Instruments
Operations System) – are described considering the operational approach and the advantages of
the eliminating physical circuit of the payment instruments, by realizing the electronic transfer of
the funds.

Keywords: inter-banking payment system, payment instruments, electronic transfer

JEL code: G21