{"id":132816,"date":"2016-04-23T04:15:00","date_gmt":"2016-04-23T04:15:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=132816"},"modified":"2016-04-23T04:15:00","modified_gmt":"2016-04-23T04:15:00","slug":"tara-cu-cei-mai-fericiti-locuitori-bancile-iti-dau-banii-sa-iti-platesti-ratele-la-credit","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=132816","title":{"rendered":"\u0162ara cu cei mai ferici\u0163i locuitori: B\u0103ncile \u00ee\u0163i dau banii s\u0103 \u00ee\u0163i pl\u0103te\u015fti ratele la credit"},"content":{"rendered":"<p 0px=\"\" color:=\"\" font-family:=\"\" font-size:=\"\" line-height:=\"\" margin:=\"\" padding:=\"\">\nConceptul de banca antrena deja si acest avantaj al sigurantei, insa modelul de afaceri al institutiilor financiare de acest tip se baza, in principal, tocmai pe atragerea unor sume de bani cat mai mari de la deponenti, iar pentru a ii motiva sa faca acest lucru, ii rascumpara cu un procent din banii depusi. Acest capital urma sa il distribuie sub forma de credite fata de alti clienti. Din diferentele de dobanda si din comisioane, banca inregistra profit. Acesta este modelul clasic si mult simplificat al unei banci.<\/p>\n<div color:=\"\" font-family:=\"\" margin:=\"\" padding:=\"\">\nDaca ar fi sa inversam sistemul, cei care depun bani, vor trebui sa plateasca. Cei care vor cere bani, vor primi mai mult. Problema apare imediat. Depunerea de bani reprezinta o amanare a consumului, pe cand creditul inseamna o cheltuiala imediata.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n<a href=\"http:\/\/www.zf.ro\/business-international\/danemarca-tara-unde-face-cel-mare-experiment-monetar-bancile-iti-dau-credit-ajung-iti-dea-rata-banca-totul-numai-cheltui-bani-impiedica-scaderea-economica-experimentul-reusi-ar-putea-fie-preluat-15269810\" target=\"_blank\"><span style=\"font-size:18px;\"><strong>Vede\u0163i AICI&nbsp;\u0162ara unde b\u0103ncile \u00ee\u0163i dau banii s\u0103 \u00ee\u0163i pl\u0103te\u015fti ratele la credit&nbsp;<\/strong><\/span><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Conceptul de banca antrena deja si acest avantaj al sigurantei<\/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":[7267,82,7736],"class_list":["post-132816","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bani","tag-credit"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/132816","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=132816"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/132816\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=132816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=132816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=132816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}