{"id":214068,"date":"2023-03-14T10:26:02","date_gmt":"2023-03-14T10:26:02","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=214068"},"modified":"2023-03-14T10:26:02","modified_gmt":"2023-03-14T10:26:02","slug":"criza-din-sistemul-bancar-american-cat-de-departe-s-a-extins-ce-banca-ar-mai-putea-pica-cine-plateste-si-cum-sunt-afectati-romanii","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=214068","title":{"rendered":"Criza din sistemul bancar american: c\u00e2t de departe s-a extins, ce banc\u0103 ar mai putea pica, cine pl\u0103te\u015fte \u015fi cum sunt afecta\u0163i rom\u00e2nii"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\"><span style=\"color:#b22222;\">\u2666<\/span><\/span> C\u00e2nd trei b\u0103nci pic\u0103 una dup\u0103 alta, nu mai trebuie mult pentru ca oricine este atent la ce se \u00eent\u00e2mpl\u0103 \u00een lumea financiar\u0103 s\u0103 se \u00eentrebe care va fi urm\u0103toarea victim\u0103, dac\u0103 nu cumva a izbucnit o nou\u0103 criz\u0103 financiar\u0103 \u015fi cine pl\u0103te\u015fte pentru pagube.<\/strong><\/em><\/p>\n<p>\n\u00cen centrul crizei bancare din SUA st\u0103 Silicon Valley Bank (SVB), spe\u00adcializat\u0103 pe finan\u0163area start-up-urilor \u015fi cu opera\u0163iuni \u00een \u00eentreaga lume, av\u00e2nd clien\u0163i chiar \u015fi \u00een Rom\u00e2nia.<\/p>\n<p>\n\u00cen ceea ce ar putea reprezenta viitorul interven\u0163iilor guvernamentale \u00een crizele bancare, guvernul SUA \u015fi banca central\u0103 american\u0103 au intervenit rapid pentru a stopa efectul de contagiune prelu\u00e2nd controlul b\u0103ncilor cu probleme, inclusiv al SVB, \u015fi promi\u0163\u00e2nd pe de-o parte c\u0103 nu va fi cheltuit nimic din banii contribuabililor, iar pe de alta c\u0103 va proteja depozitele bancare indiferent de m\u0103rimea lor, chiar dac\u0103 cele mai multe \u00een mod normal nu sunt garantate.<\/p>\n<p>\nBuni de plat\u0103 sunt ac\u0163ionarii, o parte din investitori, \u015fi dac\u0103 fondul de garantare a depozitelor r\u0103m\u00e2ne f\u0103r\u0103 bani, \u015fi celelalte b\u0103nci din sistem. Nimeni nu garanteaz\u0103 \u00eens\u0103 c\u0103 b\u0103ncile nu-\u015fi vor taxa \u00een schimb clien\u0163ii.&nbsp; Colapsul SVB a expus mai multe problemele ale sistemului financiar american. Banca vine dintr-un col\u0163 al sectorului bancar mai slab reglementat \u015fi de aceea sunt voci care spun c\u0103 actuala criz\u0103 a fost f\u0103cut\u0103 posibil\u0103 de politicile de dereglementare, pentru care \u015fi SVB a luptat, din epoca Trump.<\/p>\n<p>\nAl\u0163ii arat\u0103 spre Rezerva Federal\u0103, care printr-o campanie agresiv\u0103 de major\u0103ri de dob\u00e2nzi a f\u0103cut ca titlurile de stat asupra c\u0103rora s-au repezit b\u0103ncile pe vremea banilor ieftini s\u0103 devin\u0103 toxice.<\/p>\n<p>\nNu doar SVB a avut \u00een portofoliu obliga\u0163iuni de stat otr\u0103vitoare, ci multe alte b\u0103nci, chiar \u015fi cu nume mari. \u015ei mai multor start-up-uri tech pornite din Rom\u00e2nia, care s-au extins la nivel mondial \u015fi au intrat pe pia\u0163a american\u0103, le-a trecut glon\u0163ul pe la ureche \u00een acest weekend deoarece \u00ee\u015fi deschi\u00adseser\u0103 conturi \u015fi aveau sume importante \u00een conturi la banca preferat\u0103 de ecosistemul de VC-uri \u015fi start-up-uri tech din SUA, \u015fi anume la SVB. \u00cen Rom\u00e2nia sunt revizuite de\u0163inerile de titluri de stat ale b\u0103ncilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen centrul crizei bancare din SUA st\u0103 Silicon Valley Bank (SVB), spe\u00adcializat\u0103 pe finan\u0163area start-up-urilor \u015fi cu opera\u0163iuni \u00een \u00eentreaga lume, av\u00e2nd clien\u0163i chiar \u015fi \u00een Rom\u00e2nia.<\/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":[7267,182,7833,54330],"class_list":["post-214068","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-criza","tag-criza-financiara","tag-sistemul-bancar-american"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/214068","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=214068"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/214068\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=214068"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=214068"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=214068"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}