\nS\u0103 fie acesta un ecou al prac\u00adticilor b\u0103ncilor legate de creditele ipotecare subprime aflate \u00een centrul crizei financiare din 2008? Creditele riscante acordate de b\u0103ncile ameri\u00adcane clien\u0163ilor cu un istoric de credit slab se transform\u0103 \u00een investi\u0163ii solide, ca parte a unei ma\u015fin\u0103rii de f\u0103cut bani extrem de bine puse la punct, scrie Bloomberg.<\/p>\n
\nB\u0103ncile profit\u0103 \u00een timp ce debito\u00adrii sunt cople\u015fi\u0163i de creditele care au dob\u00e2nzi extrem de ridicate. Industria sus\u0163ine c\u0103 vine \u00een ajutorul clien\u0163ilor cu istoric slab de credit care au nevoie de mijloace de transport.<\/p>\n
\n\u201e\u00cempachetarea\u201c creditelor \u015fi rev\u00e2n\u00adzarea acestora ca obliga\u0163iuni bazate pe active, un proces cunoscut drept securitizare, e o practic\u0103 dup\u0103 care b\u0103ncile americane se dau \u00een v\u00e2nt. Firme de investi\u0163ii ca Capital Group \u015fi Bank of New York Mellon achizi\u0163ioneaz\u0103 masiv astfel de titluri pentru c\u0103 randamentele lor sunt peste cele ale titlurilor de trezorerie. Creditele auto acordate clien\u0163ilor cu istoric slab de credit s-au aflat la baza unor obliga\u0163iuni de peste 37 miliarde de dolari anul trecut, dublul valorii \u00eenregistrate cu un deceniu \u00een urm\u0103, relev\u0103 datele Bloomberg.<\/p>\n
\nInvestitorilor pu\u0163in le pas\u0103 c\u0103 ace\u015fti debitori subprime nu-\u015fi pot pl\u0103ti creditele. Multiple straturi de protec\u0163ie le garanteaz\u0103 c\u0103 vor ob\u0163ine c\u00e2\u015ftiguri. \u00cen timp ce clien\u0163ii \u00ee\u015fi pier\u00addeau adesea ma\u015finile \u015fi-\u015fi vedeau vie\u0163ile bulversate, Santander de exem\u00adplu a c\u00e2\u015ftigat zeci, dac\u0103 nu sute de milioane de dolari.<\/p>\n
\nTipic pentru obliga\u0163iunile bazate pe credite auto riscante, un document al Santander sugereaz\u0103 c\u0103 a creat obliga\u0163iunile pe baza presupunerii c\u0103 o mare parte din datorii nu vor putea fi pl\u0103tite. Chiar \u015fi unii din cadrul industriei se \u00eentreab\u0103 dac\u0103 are sens s\u0103 li se permit\u0103 at\u00e2t de multor clien\u0163i s\u0103-\u015fi asume datorii mai mari dec\u00e2t pot pl\u0103ti.<\/p>\n
\n\u00centr-o \u0163ar\u0103 \u00een care majoritatea oamenilor se bazeaz\u0103 pe ma\u015fini pentru a merge la munc\u0103 \u015fi a-\u015fi transporta familiile, Santander \u015fi alte b\u0103nci spun c\u0103 vin \u00een autorul celor cu istoric slab de credit \u015fi pu\u0163ine alte op\u0163iuni.<\/p>\n
\n\u00cen urma crizei financiare, Congresul american a adoptat legisla\u0163ie care cere b\u0103ncilor care acord\u0103 credite ipotecare s\u0103 analizeze \u00eendeaproape finan\u0163ele debitorilor pentru a se asigura c\u0103 creditele sunt accesibile.<\/p>\n
\n\u00cens\u0103 dealerii auto, unde majoritatea creditelor sunt acordate, au reu\u015fit s\u0103 ob\u0163in\u0103 o exceptare de la aceast\u0103 legisla\u0163ie. Manny Reyes, fondator al EasyWay Autos, un dealer din New York, spune c\u0103 \u00eencearc\u0103 s\u0103 direc\u0163ioneze clien\u0163ii cu venituri mici \u015fi istoric de credit slab c\u0103tre ma\u015fini mai ieftine, \u00eens\u0103 dac\u0103 b\u0103ncile aprob\u0103 finan\u0163are pentru o ma\u015fin\u0103 mai scump\u0103, nu vrea s\u0103-i descurajeze.<\/p>\n
\nAutorit\u0103\u0163ile au \u00eenceput s\u0103 combat\u0103 practicile b\u0103ncilor ca Santander, \u00eens\u0103 rata de default a creditelor auto subprime se apropie de cea atins\u0103 de creditele ipotecare subprime cu 17 ani \u00een urm\u0103.<\/p>\n
\nNicio obliga\u0163iune bazat\u0103 pe credite auto subprime nu este sigur\u0103 100%. Pia\u0163a auto subprime d\u0103 semne de sl\u0103biciune, \u00een condi\u0163iile \u00een care dob\u00e2nzile cresc, iar economia sl\u0103be\u015fte.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
S\u0103 fie acesta un ecou al prac\u00adticilor b\u0103ncilor legate de creditele ipotecare subprime aflate \u00een centrul crizei financiare din 2008? Creditele riscante acordate de b\u0103ncile ameri\u00adcane clien\u0163ilor cu un istoric de credit slab se transform\u0103 \u00een investi\u0163ii solide, ca parte a unei ma\u015fin\u0103rii de f\u0103cut bani extrem de bine puse la punct, scrie 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":[25960,4126,485],"class_list":["post-221489","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci-americane","tag-clienti","tag-credite"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221489","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=221489"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221489\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=221489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=221489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=221489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}