{"id":3477,"date":"2022-11-22T15:43:35","date_gmt":"2022-11-22T13:43:35","guid":{"rendered":"https:\/\/david-law.ro\/?page_id=3477"},"modified":"2025-07-14T10:44:13","modified_gmt":"2025-07-14T08:44:13","slug":"drept-financiar-bancar","status":"publish","type":"page","link":"https:\/\/david-law.ro\/en\/drept-financiar-bancar\/","title":{"rendered":"Drept financiar bancar"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3477\" class=\"elementor elementor-3477\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c10cd87 elementor-section-full_width category-page-main-wrapper elementor-section-height-default elementor-section-height-default\" data-id=\"c10cd87\" 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-50 elementor-top-column elementor-element elementor-element-d616171 side-content\" data-id=\"d616171\" 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-69177c2 elementor-widget elementor-widget-shortcode\" data-id=\"69177c2\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3167\" class=\"elementor elementor-3167\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85d5df2 elementor-section-full_width elementor-hidden-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"85d5df2\" 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-4bdf116\" data-id=\"4bdf116\" 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-4a833ef elementor-widget elementor-widget-heading\" data-id=\"4a833ef\" 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 - v3.23.0 - 05-08-2024 *\/\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><div class=\"elementor-heading-title elementor-size-default\">DAVID-LAW <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-572406a mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"572406a\" 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 - v3.23.0 - 05-08-2024 *\/\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>DAVID-LAW is an experienced and dynamic law firm that is continuously developing to serve the client.<\/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-df63ad8 mb-0 elementor-widget elementor-widget-html\" data-id=\"df63ad8\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"divider-50 divider-d\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a18e74 elementor-widget elementor-widget-heading\" data-id=\"2a18e74\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Our values<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b911a1 elementor-widget elementor-widget-html\" data-id=\"7b911a1\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-accordion accordion-custom\" role=\"tablist\">\n\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div class=\"elementor-tab-title elementor-active\" style=\"color: #16325a; font-size:20px;\"><i aria-hidden=\"true\" class=\"far fa-handshake\"><\/i> TRUST BASED ON TRUST\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-tab-content elementor-clearfix elementor-active\" style=\"display: block;\"><p>Our earned trust and loyalty towards the client is the most important pillar of every client-lawyer relationship.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div class=\"elementor-tab-title elementor-active\" style=\"color: #16325a; font-size:20px;\"><i aria-hidden=\"true\" class=\"fas fa-people-arrows\"><\/i> CLIENT-LAWYER RELATIONSHIP\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-tab-content elementor-clearfix elementor-active\" style=\"display: block;\"><p>We are closer to the needs of each individual client, by creating a lawyer-client relationship based especially on mutual trust, confidentiality and action.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div class=\"elementor-tab-title elementor-active\" style=\"color: #16325a; font-size:20px;\"><i aria-hidden=\"true\" class=\"fas fa-lock\"><\/i> SOLUTION AND PREVENTION\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-tab-content elementor-clearfix elementor-active\" style=\"display: block;\"><p>We manage to prevent the emergence of legal problems and apply solutions to resolve conflicts, leading each client on the path to success.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div class=\"elementor-tab-title elementor-active\" style=\"color: #16325a; font-size:20px;\"><i aria-hidden=\"true\" class=\"fas fa-clipboard-list\"><\/i>     TRANSPARENCY\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-tab-content elementor-clearfix elementor-active\" style=\"display: block;\"><p>We value open communication, sharing information with customers and joint decision-making.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div class=\"elementor-tab-title elementor-active\" style=\"color: #16325a; font-size:20px;\"><i aria-hidden=\"true\" class=\"fas fa-globe\"><\/i>         MOBILITY\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-tab-content elementor-clearfix elementor-active\" style=\"display: block;\"><p>Our company is built to provide services at a national level, assisting and representing clients throughout the country.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\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<\/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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f7157de category-page-main-content\" data-id=\"f7157de\" 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-c33aeff elementor-widget elementor-widget-html\" data-id=\"c33aeff\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class='flex-container-h domain-presentation presentation-light'>\n<div class='flex-item main-domain-info-d'>\n<h1 class=\"mb-0\">Banking and Financial Law<\/h1>\n<div class=\"divider-50 divider-l\"><\/div>\n<p>Banking and financial law concerns the organization, ownership and operation of banks and depository institutions, mortgage banks, other financial service providers regulated or authorized by state or federal banking regulators, and holding companies.\n<\/p>\n<\/div>\n<div class='flex-item flex-container-h casute-wrapper'>\n    <div class='flex-item flex-container-v'>\n    <div class='flex-item item-box item-box-d box-asistare-si-reprezentare'>\n<h2><i class='fa-sharp fa-solid fa-people-arrows'><\/i> ASSISTANCE AND REPRESENTATION<\/h2>\n<p>Our team of lawyers has a vast experience to assist and represent you before courts and other jurisdictional bodies, public authorities and institutions, as well as in front of other natural or legal persons.<\/p>\n<\/div>\n<div class='flex-item item-box item-box-d box-consultanta-juridica'>\n<h2><i class='fa-solid fa-globe'><\/i> ONLINE LEGAL SERVICES<\/h2>\n<p>New digital tools allow us to provide services to clients using all the benefits of the internet and technology as working tools. \n<\/p>\n<p>\n    We use new forms of communication between lawyer and client, offering greater speed in communication and deliverability.\n<\/p>\n<\/div>\n<\/div>\n<div class='flex-item flex-container-v'>\n    <div class='flex-item item-box item-box-d box-servicii-juridice-online'>\n<h2><i class='fa-solid fa-scale-balanced'><\/i> LEGAL ADVICE<\/h2>\n<p>As a result of our applied knowledge, we offer all our clients complete and dynamic legal consulting services. We offer you the benefit of quality legal services exactly when you need them, quick and effective.<\/p>\n<p> Whether you need the drafting or verification of documents with legal value, you encounter problems in the interpretation of legal provisions, or you want to be assisted in negotiations with partners or state institutions, it is enough to contact us, our lawyers are at your disposal.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6b62f05 serviciile-noastre elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b62f05\" 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-inner-column elementor-element elementor-element-6e2f6dc\" data-id=\"6e2f6dc\" 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-8abc439 elementor-widget elementor-widget-shortcode\" data-id=\"8abc439\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3684\" class=\"elementor elementor-3684\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b245913 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b245913\" 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-1fd0520\" data-id=\"1fd0520\" 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-e1caa4c elementor-widget elementor-widget-heading\" data-id=\"e1caa4c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">OUR SERVICES<\/h3>\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85e411a elementor-widget elementor-widget-text-editor\" data-id=\"85e411a\" 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<div class=\"flex-container-h\"><div class=\"flex-item width-50\"><ul><li>We offer advice and assistance in negotiating the financing terms requested by the bank and in negotiating the financing contract;<\/li><li>Assistance in the process of issuance, modification, execution and extinguishment of bank guarantees;<\/li><li>Assisting and representing debtors in processes related to abusive clauses inserted by banking institutions in credit contracts or in processes that have as their object the payment of real estate;<\/li><\/ul><\/div><div class=\"flex-item width-50\"><ul><li>Adaptation of banking contracts to legislative changes in the matter;<\/li><li>Legal assistance in the process of launching new products and services;<\/li><li>Representation of debtors in the deletion procedure from the credit bureau or before the Center for Alternative Dispute Resolution in the Banking Domain.<\/li><\/ul><\/div><\/div>\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\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-3f237fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f237fb\" 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-0c68fbe\" data-id=\"0c68fbe\" 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-b39a018 elementor-widget elementor-widget-shortcode\" data-id=\"b39a018\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2513\" class=\"elementor elementor-2513\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f46d6fb contact-section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f46d6fb\" 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-fbf10c3\" data-id=\"fbf10c3\" 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-e0127ce elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"e0127ce\" 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 - v3.23.0 - 05-08-2024 *\/\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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