\nRezerva federal\u0103 a Statelor Unite (Fed) a anun\u0163at recent c\u0103 nu va extinde un amendament temporar la reglement\u0103rile aflate \u00een vigoare pentru b\u0103ncile americane, m\u0103surile urm\u00e2nd s\u0103 fie ridicate pe 31 martie, potrivit Bloomberg.<\/p>\n
\nJamie Dimon, CEO-ul celei mai mari b\u0103nci din Statele Unite \u2013 JPMorgan, a declarat anterior c\u0103, dac\u0103 amendamentul va lua sf\u00e2r\u015fit, compania pe care o conduce ar avea suficient de multe stimulente financiare pentru a refuza depozitele, mi\u015fcare adoptat\u0103 \u00een trecut pentru marile depozite institu\u0163ionale.<\/p>\n
\nDimon nu s-a sfiit p\u00e2n\u0103 acum \u00een ceea ce prive\u015fte criticile aduse seriilor de reglement\u0103ri bancare, \u00eens\u0103 \u00een acest caz pare s\u0103 aib\u0103 dreptate, scrie publica\u0163ia american\u0103, av\u00e2nd \u00een vedere c\u0103 o m\u0103sur\u0103 care afecteaz\u0103 profiturile b\u0103ncilor din momentul c\u00e2nd sunt acceptate depozitele este extrem greu de justificat.<\/p>\n
\nVechiul stil de reglementare bancar\u0103 se define\u015fte prin limitarea influen\u0163ei b\u0103ncilor, similar cu modul prin care institu\u0163iile bancare le cer cump\u0103r\u0103torilor de case s\u0103 \u201epun\u0103 pe mas\u0103\u201d o parte din bani, astfel \u00eenc\u00e2t creditul ipotecar va fi mai mic dec\u00e2t valoarea casei pe care o achizi\u0163ioneaz\u0103.<\/p>\n
\nAstfel, dac\u0103 proprietarul \u00eenceteaz\u0103 s\u0103 pl\u0103teasc\u0103, banca \u00eei poate confisca locuin\u0163a, urm\u00e2nd s\u0103 o v\u00e2nd\u0103 \u015fi s\u0103 \u00ee\u015fi recupereze \u00eemprumutul. \u00cen mod asem\u0103n\u0103tor, sub un set de reglement\u0103ri mai u\u015foare, b\u0103ncile trebuie s\u0103 arat\u0103 c\u0103 valoarea activelor pe care le de\u0163in este considerabil mai mare dec\u00e2t num\u0103rul de datorii (cum ar fi depozitele pe care le primesc, adic\u0103 bani pe care \u00eei datoreaz\u0103 deponen\u0163ilor). \u00cen linii mari, excesul de active asupra datoriilor a fost numit capital.<\/p>\n
\nTotu\u015fi, sistemul a dat gre\u015f. B\u0103ncile pot face mai mul\u0163i bani dac\u0103 accept\u0103 active de risc precum creditele cu dob\u00e2nzi ridicate, \u00een loc s\u0103 investeasc\u0103, de exemplu, \u00een titluri de trezorerie. <\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Rezerva federal\u0103 a Statelor Unite (Fed) a anun\u0163at recent c\u0103 nu va extinde un amendament temporar la reglement\u0103rile aflate \u00een vigoare pentru b\u0103ncile americane, m\u0103surile urm\u00e2nd s\u0103 fie ridicate pe 31 martie, potrivit Bloomberg. Jamie Dimon, CEO-ul celei mai mari b\u0103nci din Statele Unite \u2013 JPMorgan, a declarat anterior c\u0103, dac\u0103 amendamentul va lua sf\u00e2r\u015fit, […]<\/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":[25960,439,16538,10898],"class_list":["post-192450","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci-americane","tag-depozite","tag-jpmorgan","tag-masuri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/192450","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=192450"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/192450\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=192450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=192450"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=192450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}