\nC\u00e2nd dob\u00e2nzile oficiale cresc, dup\u0103 cum au f\u0103cut-o f\u0103r\u0103 \u00eencetare \u00een ultimul an, debitorii sunt \u00een mod tipic penaliza\u0163i mult mai rapid dec\u00e2t sunt r\u0103spl\u0103ti\u0163i cei care economisesc, acest lucru duc\u00e2nd la acuza\u0163ii de urm\u0103rire a profitului la adresa b\u0103ncilor. \u00cen mod excep\u0163ional, guvernele se folo\u00adsesc de for\u0163e ale pie\u0163ei mai degrab\u0103 dec\u00e2t de reglementare pentru a for\u0163a institu\u0163iile financiare s\u0103-\u015fi creasc\u0103 dob\u00e2nzile la depozite, scrie Marcus Ashworth, editorialist la Bloomberg.<\/p>\n
\n\u00cen Marea Britanie, National Sa\u00advings & Investments, banca de eco\u00adno\u00admii de\u0163inut\u0103 de stat, ofer\u0103 instru\u00admente de economisire de retail pe un an cu dob\u00e2nd\u0103 de 6,2%, cea mai ridicat\u0103 de c\u00e2nd institu\u0163ia a preluat programele de economisire garanta\u00adte de guvern \u00een 2008. Dob\u00e2nda este peste cea de 6% oferit\u0103 de unele b\u0103nci comerciale mai mici, iar obli\u00adga\u0163iunile sunt garantate de guvern.<\/p>\n
\nBelgia a v\u00e2ndut la r\u00e2ndul s\u0103u titluri similare dar pe termen mai lung \u00een acest an, premierul \u0163\u0103rii Ale\u00adxander De Cross declar\u00e2nd c\u0103 b\u0103n\u00adcile \u0163\u0103rii vor fi for\u0163ate s\u0103 \u201elupte din nou\u201c pentru deponen\u0163i. Italia ofer\u0103 de asemenea de mult\u0103 vreme o gam\u0103 larg\u0103 de obliga\u0163iuni guvernamentale atractive investitorilor individuali.<\/p>\n
\nAcest tip de strategie a guver\u00adnu\u00adlui ar putea prinde, \u00een opinia edito\u00adrialistului Bloomberg.<\/p>\n
\nMesajul este: investi\u0163i la stat \u015fi ve\u0163i primi dob\u00e2nzi preferen\u0163iale pen\u00adtru mai mult. Astfel de mi\u015fc\u0103ri din partea guvernelor vor provoca f\u0103r\u0103 \u00eendoial\u0103 nemul\u0163umire \u00een industria financiar\u0103.<\/p>\n
\nCum pot fi b\u0103ncile \u00eencurajate s\u0103 ac\u0163ioneze corect c\u00e2nd consumatorii se confrunt\u0103 cu pre\u0163uri mult mai mari este o problem\u0103 la nivel euro\u00adpean. Nu exist\u0103 o solu\u0163ie simpl\u0103, \u00eens\u0103 pu\u0163in\u0103 concuren\u0163\u0103 s\u0103n\u0103toas\u0103 poate face mult bine, crede Marcus Ashworth.<\/p>\n
\nB\u0103ncile din \u00eentreaga lume resimt presiuni \u00een cre\u015ftere s\u0103-\u015fi transfere mai departe c\u0103tre clien\u0163i dob\u00e2nzile mai mari, \u00eens\u0103 b\u0103ncile de pe pie\u0163ele mai pu\u0163in competitive s-au dovedit a fi mai pu\u0163in generoase dec\u00e2t altele, relev\u0103 o analiz\u0103 S&P citat\u0103 de Financial Times.<\/p>\n
\nCompar\u00e2nd pie\u0163ele dup\u0103 procentul din major\u0103rile de dob\u00e2nzi oficiale pe care b\u0103ncile \u00eel trec mai departe la depozite reiese c\u0103 clien\u0163ii din \u0163\u0103rile care au \u00eenceput s\u0103 creasc\u0103 dob\u00e2nzile mai devreme au avut cel mai mult de c\u00e2\u015ftigat p\u00e2n\u0103 acum.<\/p>\n
\n\u00cen topul S&P pe primele pozi\u0163ii dup\u0103 aceast\u0103 m\u0103sur\u0103toare se afl\u0103 UK, Luxemburg, Fran\u0163a, Austria, Olanda.<\/p>\n
\nB\u0103ncile din Fran\u0163a sunt printre cele mai dispuse s\u0103 \u00eempart\u0103 cre\u015fterile de dob\u00e2nzi cu clien\u0163ii. Un factor cheie are leg\u0103tur\u0103 cu popularitatea Livret A, un cont de economii cu o vechime de 200 de ani menit s\u0103 ajute la refacerea finan\u0163elor publice ale \u0163\u0103rii dup\u0103 r\u0103zboaiele lui Napoleon Bonaparte.<\/p>\n
\n\u0162\u0103rile cele mai afectate de criza din zona euro \u015fi unde sectorul a fost for\u0163at s\u0103 se consolideze, ca Irlanda, Spania, Grecia \u015fi Italia, se dovedesc mult mai pu\u0163in dispuse s\u0103 transfere cre\u015fterile de dob\u00e2nzi c\u0103tre clien\u0163i.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
C\u00e2nd dob\u00e2nzile oficiale cresc, dup\u0103 cum au f\u0103cut-o f\u0103r\u0103 \u00eencetare \u00een ultimul an, debitorii sunt \u00een mod tipic penaliza\u0163i mult mai rapid dec\u00e2t sunt r\u0103spl\u0103ti\u0163i cei care economisesc, acest lucru duc\u00e2nd la acuza\u0163ii de urm\u0103rire a profitului la adresa b\u0103ncilor. \u00cen mod excep\u0163ional, guvernele se folo\u00adsesc de for\u0163e ale pie\u0163ei mai degrab\u0103 dec\u00e2t de reglementare pentru a for\u0163a institu\u0163iile financiare s\u0103-\u015fi creasc\u0103 dob\u00e2nzile la depozite, scrie Marcus Ashworth, editorialist la Bloomberg.<\/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":[7267,439,187],"class_list":["post-219294","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-depozite","tag-dobanzi"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/219294","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=219294"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/219294\/revisions"}],"predecessor-version":[{"id":219313,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/219294\/revisions\/219313"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=219294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=219294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=219294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}