{"id":120346,"date":"2015-04-07T16:28:00","date_gmt":"2015-04-07T16:28:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=120346"},"modified":"2015-04-07T16:28:00","modified_gmt":"2015-04-07T16:28:00","slug":"psihologi-clientii-creditelor-pe-termen-scurt-cu-dobanzi-mari-sunt-cei-care-manifesta-constant-tendinta-de-a-cheltui-mai-mult-decat-produc","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=120346","title":{"rendered":"Psihologi: Clien\u0163ii creditelor pe termen scurt cu dob\u00e2nzi mari sunt cei care manifest\u0103 constant tendin\u0163a de a cheltui mai mult dec\u00e2t produc"},"content":{"rendered":"<p>\n\u201cModul \u00een care ne gestionam nevoile financiare \u015fi nivelul de risc pe care ni-l asum\u0103m atunci c\u00e2nd cheltuim banii difer\u0103 foarte mult de la o persoan\u0103 la alta. M\u0103sura \u00een care ne l\u0103s\u0103m influen\u0163a\u0163i de practicile de fidelizare sau up\/cross-sell ale institu\u0163iilor financiare depinde de asemenea de o serie de tr\u0103s\u0103turi de personalitate. \u00cen general, cred c\u0103 putem vorbi de cel pu\u0163in trei categorii de comportament financiar: unul orientat spre economisire, altul orientat spre limitarea cheltuielilor la resursele personale \u015fi un al treilea care se bazeaz\u0103 pe surse externe de finan\u0163are \u015fi care manifest\u0103 constant tendin\u0163a de a cheltui mai mult dec\u00e2t produce. Persoanele din ultima categorie sunt cele mai predispuse la a se angaja \u00een comportamente financiare riscante sau costisitoare pentru a-\u015fi satisface nevoi ce nu pot fi acoperite din surse proprii\u201d, spune Andreea Enache, psiholog clinician \u015fi coproprietar al Centrului Medical Bellanima.<\/p>\n<p>\nSute de mii de clien\u0163i datoreaz\u0103 jum\u0103tate de miliard de euro dup\u0103 ce au contractat creditele cu cele mai mari dob\u00e2nzi de pe pia\u0163\u0103. Businessul IFN-urilor care ofer\u0103 cei mai scumpi bani din Rom\u00e2nia genereaz\u0103 constant \u00eentreb\u0103ri despre capacitatea BNR sau ANPC de reglementare a pie\u0163ei \u015fi de educare a clientului nedorit de b\u0103nci \u015fi sensibil la tehnici persuasive de marketing.<\/p>\n<p>\n\u201eEste legal, dar nu este moral s\u0103 profi\u0163i de neputin\u0163a unui om. Lipsa de orizont determin\u0103 unele persoane s\u0103 se g\u00e2ndeasc\u0103 doar la clipa \u00een care primesc respectivii bani, f\u0103r\u0103 s\u0103 \u0163in\u0103 cont la acel moment de valoarea sumei de rambursat. Nu este dependen\u0163\u0103, ci o disperare care \u00eentunec\u0103 g\u00e2ndirea\u201c, observ\u0103 \u015fi psihologul Violeta Rot\u0103rescu.<\/p>\n<div>\nCea mai scump\u0103 form\u0103 de creditare din Rom\u00e2nia \u00eei face pe mul\u0163i dependen\u0163i de banii \u00eemprumuta\u0163i, dat fiind c\u0103 unele IFN-uri \u00eei stimuleaz\u0103 prin campanii agresive de marketing s\u0103 devin\u0103 clien\u0163i fideli, oferind condi\u0163ii de creditare mai bune dup\u0103 primul \u00eemprumut. Compania Ferratum accept\u0103 cereri prin SMS \u00eenc\u0103 de la al doilea credit \u015fi m\u0103re\u015fte suma \u00eemprumutat\u0103 de cinci ori, iCredit ofer\u0103 cadou ceasuri, gen\u0163i \u015fi truse de manichiur\u0103, \u00een timp ce Provident ofer\u0103 condi\u0163ii preferen\u0163iale, \u00eensemn\u00e2nd p\u00e2n\u0103 la 30% reducere din costul total al creditului pentru clien\u0163ii vechi. \u00cen plus, cei care le recomand\u0103 prietenilor un \u00eemprumut de la Provident primesc acas\u0103 \u00een numerar suma de 70 de lei pentru fiecare client c\u00e2\u015ftigat de companie.<\/div>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Psihologii contacta\u0163i de Business Magazin cad de acord c\u0103 fidelizarea clien\u0163ilor cu venituri mici este o practic\u0103 discutabil\u0103 a companiilor care acord\u0103 credite pe termen scurt cu dob\u00e2nzi mari.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7208],"tags":[283,4126,485,187,20977,13253],"class_list":["post-120346","post","type-post","status-publish","format-standard","hentry","category-servicii-financiare","tag-cheltuieli","tag-clienti","tag-credite","tag-dobanzi","tag-manifestare","tag-termen"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/120346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=120346"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/120346\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=120346"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=120346"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=120346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}