\nB\u0103ncile regionale ameri\u00adca\u00adne se gr\u0103besc s\u0103 exploateze anumite reguli ce permit deponen\u0163ilor s\u0103 de\u00ad\u0163in\u0103 milioane de dolari \u00een conturi asi\u00adgurate \u00een \u00eencercarea de a tempera \u00een\u00adgrijor\u0103rile clien\u0163ilor iscate de recente\u00adle turbulen\u0163e din sectorul bancar.<\/p>\n
\nAcestea recurg astfel la utilizarea depozitelor \u201ereciproce\u201c care transfe\u00adr\u0103 o parte din cash-ul unui client c\u0103tre alte b\u0103nci, men\u0163in\u00e2nd suma total\u0103 din fiecare cont sub limita de 250.000 de dolari a FDIC (Fondul de Garantare a Depozitelor Bancare) lega\u00adt\u0103 de acoperirea asigur\u0103rilor.<\/p>\n
\nDepozitele din a\u015fa-numitele con\u00adturi reciproce au urcat la un nou ma\u00adxim de 221 miliarde de dolari la sf\u00e2r\u00ad\u015fitul primului trimestru, de la 158 mi\u00adliarde de dolari la finalul anului trecut. Cre\u015fterea a fost \u00eenregistrat\u0103 dup\u0103 pr\u0103bu\u015firea \u00een luna martie a Silicon Valley Bank, unde peste 90% din depozite nu erau acoperite de asigur\u0103ri federale.<\/p>\n
\nPe website-ul s\u0103u, banca ameri\u00adca\u00adn\u0103 PacWest d\u0103 asigur\u0103ri c\u0103 clien\u0163ii pot fi lini\u015fti\u0163i pentru c\u0103 aceasta poate oferi acoperire de asigurare de p\u00e2n\u0103 la 175 milioane de dolari pe depo\u00adnent, sau de 700 ori limita FDIC.<\/p>\n
\n\u201eEste o mi\u015fcare menit\u0103 s\u0103 creeze o impresie favorabil\u0103, dar este legi\u00adtim\u0103\u201c, arat\u0103 Christopher McGratty, analist la Keefe, Bruyette & Woods.<\/p>\n
\nUnii sus\u0163in astfel de transferuri, \u00een timp ce al\u0163ii sunt mai sceptici.<\/p>\n
\n\u201e\u00cen m\u0103sura \u00een care aceste scheme ajut\u0103 b\u0103ncile slabe s\u0103 atrag\u0103 depo\u00adzi\u00adte, creeaz\u0103 instabilitate\u201c, subliniaz\u0103 Sheila Bair, care a condus FDIC \u00een timpul crizei financiare mondiale.<\/p>\n
\n\u00cen urma crizei bancare, o alt\u0103 idee a prins contur: ce ar fi dac\u0103 o ban\u00adc\u0103 ar de\u0163ine toate depozitele cli\u00aden\u0163ilor \u00een cash, sau ceva similar, \u015fi ar l\u0103sa cre\u00additarea pe seama altor insti\u00adtu\u00ad\u0163ii unde investitorii \u015ftiu c\u0103 \u00ee\u015fi asu\u00adm\u0103 un risc prin faptul c\u0103 le \u00eencre\u00addin\u0163eaz\u0103 banii, scrie Bloomberg Businessweek.<\/p>\n
\nIdeea este supranumit\u0103 c\u00e2teo\u00adda\u00adt\u0103 narrow banking, pentru c\u0103 re\u00addu\u00adce o banc\u0103 la cea mai banal\u0103 func\u0163ie. Banca central\u0103 american\u0103 de\u0163ine in\u00adstrumentele pentru a face acest lucru posibil, dar argumenteaz\u0103 c\u0103 aceasta ar perturba func\u0163ionarea sistemului financiar.<\/p>\n
\nPentru o institu\u0163ie financiar\u0103 ma\u00adre, cea mai sigur\u0103 form\u0103 de \u201ecash\u201c nu este o gr\u0103mad\u0103 de bancnote, ci bani parca\u0163i \u00eentr-un cont la Fed.<\/p>\n
\nPersoanele fizice nu au acces la diversele facilit\u0103\u0163i ale b\u0103ncii centrale. \u00cens\u0103 teoretic o banc\u0103 s-ar putea constitui ca un canal pasiv c\u0103tre un cont Fed.<\/p>\n
\nClien\u0163ii ar putea depozita bani \u00een aceast\u0103 banc\u0103, care la r\u00e2ndul s\u0103u i-ar pune deoparte la Fed. Din moment ce fiecare dolar ar fi sus\u0163inut de cash, nu ar exista riscul unor retrageri masive.<\/p>\n
\nVaria\u0163ii ale acestei idei au fost \u00eembr\u0103\u0163i\u015fate de libertari care o percep drept o modalitate de diminuare a nevoii de reglementare, dar \u015fi de oameni de st\u00e2nga care caut\u0103 s\u0103 reduc\u0103 pericolul sistemic \u015fi influen\u0163a politic\u0103 a b\u0103ncilor prea mari.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
B\u0103ncile regionale ameri\u00adca\u00adne se gr\u0103besc s\u0103 exploateze anumite reguli ce permit deponen\u0163ilor s\u0103 de\u00ad\u0163in\u0103 milioane de dolari \u00een conturi asi\u00adgurate \u00een \u00eencercarea de a tempera \u00een\u00adgrijor\u0103rile clien\u0163ilor iscate de recente\u00adle turbulen\u0163e din sectorul bancar.<\/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":[14750,331,54798,4126,13082,182,15624,22095,106],"class_list":["post-216277","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acoperire","tag-asigurari","tag-bancile-americane","tag-clienti","tag-conturi","tag-criza","tag-depozite-bancare","tag-sectorul-bancar","tag-sua"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216277","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=216277"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/216277\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=216277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=216277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=216277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}