{"id":127451,"date":"2015-09-25T13:06:37","date_gmt":"2015-09-25T13:06:37","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=127451"},"modified":"2015-09-25T13:06:37","modified_gmt":"2015-09-25T13:06:37","slug":"studiu-dupa-ce-sunt-jefuite-bancile-isi-trateaza-mai-bine-noii-clienti","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=127451","title":{"rendered":"Studiu: Dup\u0103 ce sunt jefuite, b\u0103ncile \u00ee\u015fi trateaz\u0103 mai bine noii clien\u0163i"},"content":{"rendered":"<p>\n\u00cen Colombia au avut loc 835 de jafuri bancare \u00eentre 2003 \u015fi 2011. Paola Acevedo \u015fi Steven Ongena au decis s\u0103 realizeze un studiu pe aceast\u0103 tem\u0103, numit &#8220;Fear, anger and credit: On Bank robberies and loan conditions&#8221;, \u015fi au descoperit c\u0103 banca care a fost jefuit\u0103 \u00ee\u015fi trateaz\u0103 preferen\u0163ial clien\u0163ii \u00een c\u0103utarea unui \u00eemprumut, relateaz\u0103 The Economist.<\/p>\n<p>\nNum\u0103rul de credite nu a crescut, \u00een schimb durata \u00eemprumutului emis a crescut cu p\u00e2n\u0103 la 70% \u00een perioada de dup\u0103 incident. Perioada de creditare a \u00eemprumutului, \u00een Columbia, este de 5,4 luni, iar dup\u0103 un jaf aceast\u0103 perioad\u0103 cre\u015fte la 8,7 luni. De asemenea, bancherii cer garan\u0163ii mai mari, dar ofer\u0103 dob\u00e2nd\u0103 mai mic\u0103 dec\u00e2t \u00een mod normal.<\/p>\n<p>\nAstfel bancherii nu trebuie s\u0103 se \u00eent\u00e2lneasc\u0103 prea des cu noi clien\u0163i, iar garan\u0163iile mai mari scurteaz\u0103 procesul de aprobare a creditului.<\/p>\n<p>\nInteresant este faptul c\u0103 aceste schimb\u0103ri se \u00eent\u00e2mpl\u0103 doar \u00een urma unui jaf armat. Jafurile mai pu\u0163in traumatizante nu au acela\u015fi efect.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen Colombia au avut loc 835 de jafuri bancare \u00eentre 2003 \u015fi 2011. Paola Acevedo \u015fi Steven Ongena au decis s\u0103 realizeze un studiu pe aceast\u0103 tem\u0103, numit &#8220;Fear, anger and credit: On Bank robberies and loan conditions&#8221;, \u015fi au descoperit c\u0103 banca care a fost jefuit\u0103 \u00ee\u015fi trateaz\u0103 preferen\u0163ial clien\u0163ii \u00een c\u0103utarea unui \u00eemprumut, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[236,4126,7736,183,114],"class_list":["post-127451","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-clienti","tag-credit","tag-imprumut","tag-jaf"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/127451","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=127451"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/127451\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=127451"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=127451"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=127451"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}