<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://financiarul.ro/news-sitemap.xsl"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  <url>
    <loc>https://financiarul.ro/economie/diferenta-dintre-importurile-si-exporturile-romaniei-s-a-marit-cu-307-2/</loc>
    <lastmod>2026-10-12T10:26:02+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T10:26:00+03:00</news:publication_date>
      <news:title>Diferența dintre importurile și exporturile României s-a mărit cu 307,2 milioane euro în ianuarie-august 2026</news:title>
      <news:keywords>comerț exterior, deficit comercial, exporturi, importuri, INS</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/deficit-comercial-1.jpg</image:loc>
      <image:caption>Containere de transport marfă</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/romania-isi-mareste-deficitul-comercial-cu-307-2-milioane-euro/</loc>
    <lastmod>2026-10-12T10:24:39+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T10:24:37+03:00</news:publication_date>
      <news:title>România își mărește deficitul comercial cu 307,2 milioane euro în ianuarie-august 2026</news:title>
      <news:keywords>comerț exterior, deficit comercial, exporturi, importuri, INS</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/deficit-comercial.jpg</image:loc>
      <image:caption>Camion pentru transport mărfuri în România</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/fiora5-a-primit-150-000-de-euro-pentru-designuri-de-procesoare-intr/</loc>
    <lastmod>2026-10-12T08:16:40+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T08:16:38+03:00</news:publication_date>
      <news:title>FIORA5 a primit 150.000 de euro pentru designuri de procesoare, într-o rundă care poate ajunge la un milion de euro</news:title>
      <news:keywords>finanțare startup, FIORA5, procesoare, semiconductori, Vest Ventures</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/fiora5.jpg</image:loc>
      <image:caption>Sistemul FIORA5</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/renuntarea-la-asigurarea-de-viata-la-metropolitan-life-poate-insemna/</loc>
    <lastmod>2026-10-12T08:30:56+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T08:16:28+03:00</news:publication_date>
      <news:title>Renunțarea la asigurarea de viață la Metropolitan Life poate însemna zero lei recuperați în primii doi sau trei ani</news:title>
      <news:keywords>asigurari de viata, economisire, investiții, Metropolitan Life, răscumpărarea poliței</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/asigurare-de-viata-cu-investitie.jpg</image:loc>
      <image:caption>Asigurare de viață cu investiție</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/chiriile-au-crescut-cu-43-5-in-romania-de-ce-majorarea-depaseste-atat/</loc>
    <lastmod>2026-10-12T08:20:33+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T08:11:29+03:00</news:publication_date>
      <news:title>Chiriile au crescut cu 43,5% în România. De ce majorarea depășește atât de mult inflația</news:title>
      <news:keywords>chirii, Croatia, Eurostat, inflație, piața imobiliară, România</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/cresterea-chiriilor.jpg</image:loc>
      <image:caption>Cartier rezidențial cu blocuri noi</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/administratia-trump-ar-sprijini-oferta-consortiului-boehly/</loc>
    <lastmod>2026-10-12T06:53:10+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T06:53:08+03:00</news:publication_date>
      <news:title>Administrația Trump ar sprijini oferta consorțiului Boehly pentru activele Lukoil, inclusiv rafinăria Petrotel</news:title>
      <news:keywords>Donald Trump, insolventa, Petrotel-Lukoil, rafinarii, sancțiuni, Todd Boehly</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/petrotel-lukoil.jpg</image:loc>
      <image:caption>Instalații industriale de prelucrare a petrolului</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/cum-verifica-firmele-recrutarea-personalului-strain-de-la-oferta/</loc>
    <lastmod>2026-10-12T03:09:17+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T03:09:13+03:00</news:publication_date>
      <news:title>Cum verifică firmele recrutarea personalului străin, de la oferta salarială până la banii plătiți efectiv</news:title>
      <news:keywords>angajatori, CSDDD, EY România, Lucrători străini, recrutare</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/angajarea-lucratorilor-straini.jpg</image:loc>
      <image:caption>Cameră pentru cazarea lucrătorilor străini</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/mintia-porneste-prima-turbina-dupa-trei-ani-de-lucrari-fata-de-zece-ani/</loc>
    <lastmod>2026-10-12T00:15:22+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-12T00:15:20+03:00</news:publication_date>
      <news:title>Mintia pornește prima turbină după trei ani de lucrări, față de zece ani de șantier la proiectul Romgaz din Iernut</news:title>
      <news:keywords>centrale pe gaze, energie, Iernut, Mintia, Romgaz</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/centrala-de-la-mintia.jpg</image:loc>
      <image:caption>Stație electrică de transformare</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/companii/insolventele-firmelor-cu-active-de-peste-4-milioane-de-euro-au-crescut/</loc>
    <lastmod>2026-10-11T23:36:54+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T23:36:52+03:00</news:publication_date>
      <news:title>Insolvențele firmelor cu active de peste 4 milioane de euro au crescut cu 141% în primele nouă luni din 2026</news:title>
      <news:keywords>agricultura, CITR, Companii, Construcţii, furnizori, insolvente</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/insolvente-2.jpg</image:loc>
      <image:caption>Firme în pragul insolvenței</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/agricultura/estimarea-recoltei-de-soia-din-romania-scade-la-240-000-tone-oferta/</loc>
    <lastmod>2026-10-11T22:34:29+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T22:34:26+03:00</news:publication_date>
      <news:title>Estimarea recoltei de soia din România scade la 240.000 tone. Oferta mondială de porumb pune presiune pe prețuri</news:title>
      <news:keywords>grâu, porumb, prețuri agricole, recolte România, soia</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/recolta-de-soia-din-romania.jpg</image:loc>
      <image:caption>Recoltă de soia pe câmp</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/fondul-sanatatii-trece-pe-plus-cu-aproape-1-7-miliarde-de-lei/</loc>
    <lastmod>2026-10-11T21:31:10+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T21:31:08+03:00</news:publication_date>
      <news:title>Fondul Sănătății trece pe plus cu aproape 1,7 miliarde de lei după extinderea plății CASS</news:title>
      <news:keywords>buget, CASS, finanțarea sănătății, FNUASS, legea 141/2025, pensii</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/finantarea-sanatatii.jpg</image:loc>
      <image:caption>Sală de așteptare pentru finanțarea sănătății</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/bateriile-din-romania-au-livrat-in-medie-518-mw-la-ora-20-cand-consumul/</loc>
    <lastmod>2026-10-11T21:29:48+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T21:29:46+03:00</news:publication_date>
      <news:title>Bateriile din România au livrat în medie 518 MW la ora 20, când consumul depășea producția</news:title>
      <news:keywords>baterii, energie electrică, importuri de energie, Liviu Gavrilă, stocare energie</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/stocare-energie.jpg</image:loc>
      <image:caption>Sistem pentru stocare energie</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/crypto/actiunile-tokenizate-atrag-investitori-dar-au-fluctuatii-de-pret/</loc>
    <lastmod>2026-10-11T20:16:35+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T20:16:33+03:00</news:publication_date>
      <news:title>Acțiunile tokenizate atrag investitori, dar au fluctuații de preț mai mari și se tranzacționează mai greu</news:title>
      <news:keywords>acțiuni tokenizate, FMI, Ondo Finance, piețe financiare, xStocks</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/actiuni-tokenizate.jpg</image:loc>
      <image:caption>Grafice de acțiuni tokenizate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/transportul-petrolului-din-golful-persic-spre-asia-s-a-scumpit/</loc>
    <lastmod>2026-10-11T19:21:40+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T19:21:38+03:00</news:publication_date>
      <news:title>Transportul petrolului din Golful Persic spre Asia s-a scumpit cu peste 500%</news:title>
      <news:keywords>Arabia Saudită, Golful Persic, petrol, strâmtoarea Hormuz, transport maritim</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/transportul-petrolului-1.jpg</image:loc>
      <image:caption>Nava pentru transportul petrolului</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/euro-la-5-3414-lei-pe-9-octombrie-2026-cat-inseamna-in-lei-o-rata/</loc>
    <lastmod>2026-10-11T14:22:14+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T14:22:12+03:00</news:publication_date>
      <news:title>Euro la 5,3414 lei pe 9 octombrie 2026. Cât înseamnă în lei o rată de 500 de euro și o chirie de 400 de euro</news:title>
      <news:keywords>BNR, chirii, curs valutar, euro, rate în euro, salarii</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/curs-euro-1.png</image:loc>
      <image:caption>Evoluția cursului euro în lei în ultimele 12</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/ce-inseamna-majorarea-salariului-minim-pentru-angajati-si-firme-in-2026/</loc>
    <lastmod>2026-10-11T11:26:37+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T11:16:13+03:00</news:publication_date>
      <news:title>Ce înseamnă majorarea salariului minim pentru angajați și firme în 2026, de la venitul net la costul salarial</news:title>
      <news:keywords>cost salarial, negociere salarială, salarii 2026, salariul minim, scutire fiscala</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/salariul-minim-2026-1.jpg</image:loc>
      <image:caption>Plăcuță pentru salariul minim 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/salariul-minim-din-iulie-2026-aduce-un-cost-lunar-de-4-418-lei/</loc>
    <lastmod>2026-10-11T10:17:45+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T08:12:00+03:00</news:publication_date>
      <news:title>Salariul minim din iulie 2026 aduce un cost lunar de 4.418 lei pentru angajator. Ce condiții se aplică</news:title>
      <news:keywords>angajatori, contribuții sociale, costuri salariale, salariul minim 2026, tichete de masa</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/salariul-minim-2026.jpg</image:loc>
      <image:caption>Salariul minim 2026</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/investitii/un-castig-de-8-inseamna-doar-0-93-dupa-o-inflatie-de-7-cum-se-compara/</loc>
    <lastmod>2026-10-11T10:17:42+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-11T01:25:34+03:00</news:publication_date>
      <news:title>Un câștig de 8% înseamnă doar 0,93% după o inflație de 7%. Cum se compară investițiile înainte de cumpărare</news:title>
      <news:keywords>acțiuni, ETF, inflație, investiții, Paul Maior, titluri de stat</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/compararea-investitiilor.jpg</image:loc>
      <image:caption>Compararea investițiilor în funcție de inflație</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/tva-in-2026-cote-tranzactii-in-ue-si-sesizarea-comisiei-europene/</loc>
    <lastmod>2026-10-10T20:14:30+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T20:08:58+03:00</news:publication_date>
      <news:title>TVA în 2026. Cote, tranzacții în UE și sesizarea Comisiei Europene</news:title>
      <news:keywords>China, cumpărături online, taxe colete, taxe vamale, TVA</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/taxe-colete-china.jpg</image:loc>
      <image:caption>Taxe și bancnote în lei</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/pragurile-si-dobanzile-fidelis-din-octombrie-2026-si-simularile-ratelor/</loc>
    <lastmod>2026-10-10T17:27:38+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T17:18:26+03:00</news:publication_date>
      <news:title>Pragurile și dobânzile FIDELIS din octombrie 2026 și simulările ratelor la credite</news:title>
      <news:keywords>credite, depozite bancare, economii, FIDELIS, IRCC, titluri de stat</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/protectia-economiilor.jpg</image:loc>
      <image:caption>Birou pentru protecția economiilor FIDELIS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/la-cat-ajunge-rata-unui-credit-de-300-000-de-lei-cu-ircc-de-5-57/</loc>
    <lastmod>2026-10-10T15:10:19+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T15:10:17+03:00</news:publication_date>
      <news:title>La cât ajunge rata unui credit de 300.000 de lei cu IRCC de 5,57%. Calculul orientativ pentru 30 de ani</news:title>
      <news:keywords>credite in lei, dobânzi, IRCC, rate la credite, ROBOR</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/robor-si-ircc-2.png</image:loc>
      <image:caption>Evoluția ROBOR la 3 luni în ultimele 12</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/euro-este-5-3414-lei-la-bnr-pe-9-octombrie-2026-cat-inseamna-in-lei/</loc>
    <lastmod>2026-10-10T14:32:11+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T14:32:09+03:00</news:publication_date>
      <news:title>Euro este 5,3414 lei la BNR pe 9 octombrie 2026. Cât înseamnă în lei o rată, o chirie și un salariu în euro</news:title>
      <news:keywords>BNR, chirii, curs valutar, euro, rate în euro, salarii</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/curs-euro.png</image:loc>
      <image:caption>Evoluția cursului euro în lei în ultimele 12</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/finante-personale/pretul-anterior-reperul-pentru-reducerile-online/</loc>
    <lastmod>2026-10-10T18:53:43+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T14:17:41+03:00</news:publication_date>
      <news:title>Reducerile online au ca reper prețul minim din ultimele 30 de zile. Ce excepții trebuie verificate</news:title>
      <news:keywords>ANPC, comerț electronic, compararea prețurilor, protectia consumatorilor, reduceri online</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/reduceri-online-preul-anterior-reperul-pentru-reducerile-onl.jpg</image:loc>
      <image:caption>reduceri online, Prețul anterior, reperul pentru reducerile online</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://financiarul.ro/economie/cum-se-formeaza-pretul-carburantilor-la-pompa-si-ce-inseamna-reducerea/</loc>
    <lastmod>2026-10-10T17:58:47+03:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>Financiarul</news:name>
        <news:language>ro</news:language>
      </news:publication>
      <news:publication_date>2026-10-10T11:15:50+03:00</news:publication_date>
      <news:title>Cum se formează prețul carburanților la pompă și ce înseamnă reducerea de 25% a accizei la motorină</news:title>
      <news:keywords>acciza motorina, benzina, Ministerul Finantelor, preț carburanți, TVA</news:keywords>
    </news:news>
    <image:image>
      <image:loc>https://financiarul.ro/wp-content/uploads/2026/10/cum-se-formeaz-preul-carburanilor-la-pomp-i-ce-nseamn-reduce.jpg</image:loc>
      <image:caption>Cum se formează prețul carburanților la pompă și ce înseamnă reducerea de 25% a accizei la motorină</image:caption>
    </image:image>
  </url>
</urlset>
<!-- NewsEngine News Sitemap | 2026-10-12 10:26:02 | 24 articles -->
