Ultimii c\u00e2\u0163iva ani au alimentat apari\u0163ia \u015fi polarizarea \u00een jurul acestui subiect a teoriilor, sfaturilor, previziunilor sau discu\u0163iilor despre ce trebuie s\u0103 facem \u015fi ce se va \u00eent\u00e2mpla m\u00e2ine, poim\u00e2ine sau peste 87 de zile \u015fi 5 ore. Consum\u0103m orice credem c\u0103 ne poate ajuta f\u0103r\u0103 s\u0103 mai filtr\u0103m sursa \u015fi de multe ori, din p\u0103cate, nici m\u0103car con\u0163inutul. De la genuri ca “Ie\u015firea din criz\u0103 \u00een 7 pa\u015fi”, la “Istoria omenirii \u00een crize” sau “Sf\u00e2r\u015fitul lumii \u00eentr-o zi de miercuri”, ajungem paraliza\u0163i \u00een fa\u0163a prezentului \u015fi credem c\u0103 o m\u00e2n\u0103 nev\u0103zut\u0103 sau un creier genial vor modela un viitor \u00een care poate vom avea un loc. Bine\u00een\u0163eles, cu condi\u0163ia “s\u0103 se restabileasc\u0103 \u00eencrederea”.<\/p>\n
Folosirea impersonalului \u00een general \u015fi, cu at\u00e2t mai mult \u00een acest context, arat\u0103 ori ne\u015ftiin\u0163\u0103 ori neputin\u0163\u0103, pentru c\u0103 \u00eencrederea nu se restabile\u015fte singur\u0103. Creditarea nu-\u015fi reia cre\u015fterea din lips\u0103 de \u00eencredere. Clien\u0163ii nu au \u00eencredere \u00een b\u0103nci sau b\u0103ncile nu au \u00eencredere \u00een clien\u0163i? Consumul nu cre\u015fte din lips\u0103 de \u00eencredere. Clien\u0163ii nu au \u00eencredere \u00een prezent, \u00een viitor sau \u00een general? Poate \u00eentr-un exces de sinceritate ar trebui s\u0103 vedem c\u00e2t\u0103 \u00eencredere avem \u00een primul r\u00e2nd fiecare dintre noi \u00een noi \u00een\u015fine. Psihologii spun c\u0103 ne na\u015ftem cu dou\u0103 frici: frica de c\u0103dere de la \u00een\u0103l\u0163ime \u015fi frica de zgomote puternice. Restul fricilor le dob\u00e2ndim. Nesiguran\u0163a \u015fi ne\u00eencrederea de sine ne induc frici care paralizeaz\u0103, iar curajul nu \u00eenseamn\u0103 absen\u0163a fricii, ci \u00eenvingerea ei.<\/p>\n
Ce \u00eenseamna acest lucru? S\u0103 am incredere \u00een ce \u015ftiu \u015fi \u00een ce fac, s\u0103 am putere s\u0103 \u00eenv\u0103\u0163 ce nu \u015ftiu, iar fiecare gre\u015feal\u0103 s\u0103 fie un semnal de alarm\u0103, \u015fi nu un motiv de explica\u0163ii. Acesta ar fi primul pas, apoi \u00eentrebarea care ar trebui s\u0103 chinuie orice companie este “Cum facem noi, compania X, s\u0103 restabilim \u00eencrederea clien\u0163ilor?”.<\/p>\n
Din p\u0103cate nu am g\u0103sit \u00een multitudinea de materiale publicate nici m\u0103car \u00eentrebarea, cu at\u00e2t mai pu\u0163in vreun r\u0103spuns. Afl\u0103m doar c\u0103 \u00eencrederea trebuie restabilit\u0103 pentru c\u0103, la un moment dat, ea “s-a pierdut”. \u00cencrederea o pierdem din cauze bine definite, nu dispare pur \u015fi simplu ca un puf de p\u0103p\u0103die. Identificarea \u015fi asumarea acestor cauze ne-ar putea ajuta \u00een solu\u0163iile \u015fi ac\u0163iunile pentru rec\u00e2\u015ftigarea ei, depersonalizarea lor \u00eens\u0103 conduce la concluzia c\u0103 \u00eencrederea \u00eens\u0103\u015fi este singura responsabil\u0103 de propria prezen\u0163\u0103 \u00een societate.<\/p>\n
Este un lucru cunoscut \u015fi demonstrat c\u0103 \u00een decizia de cump\u0103rare emo\u0163iile au un rol mai mare dec\u00e2t calculele ra\u0163ionale. Istoria recent\u0103 a dovedit c\u0103 riscul maxim de cump\u0103rare a unei case de exemplu a fost, de fapt, \u00een 2008, pe maxim de \u00eencredere. Ironia este c\u0103 atunci nimeni nu vedea vreun risc, pe c\u00e2nd acum parc\u0103 a devenit umbra fiec\u0103ruia dintre noi. Oricine \u015ftie c\u0103 e bine s\u0103 cumperi ieftin \u015fi s\u0103 vinzi scump. Cu toate acestea, cele mai multe tranzac\u0163ii imobiliare au fost pe v\u00e2rf de pre\u0163uri \u015fi cele mai pu\u0163ine pe o pia\u0163\u0103 cu 50-60% mai ieftin\u0103.<\/p>\n
Pentru c\u0103 riscul nu are leg\u0103tura cu \u00eencrederea, ci cu luciditatea.
\nAcest mimetism decizional \u015fi comportamental face ca \u00eentotdeauna \u00een perioade de criz\u0103 s\u0103 fie mai mul\u0163i perdan\u0163i dec\u00e2t c\u00e2\u015ftig\u0103tori. Important este \u00eens\u0103 s\u0103 \u015ftim c\u0103 sunt \u015fi c\u00e2\u015ftig\u0103tori.
\nTo\u0163i \u015ftim c\u0103 orice criz\u0103, la un moment dat, se termin\u0103; c\u00e2\u015ftig\u0103torii \u00eens\u0103 mizeaz\u0103 pe acest lucru \u015fi ac\u0163ioneaz\u0103 \u00een consecin\u0163\u0103, ceilal\u0163i doar a\u015fteapt\u0103. Viitorul exist\u0103, dar depinde prin ce parte a binoclului te ui\u0163i la el.
\n\u00cen decizii personale sau de business, cei care vor c\u00e2\u015ftiga sunt cu siguran\u0163\u0103 oameni lucizi, responsabili \u015fi curajo\u015fi. Lucizi s\u0103-\u015fi dep\u0103\u015feasc\u0103 emo\u0163iile, responsabili s\u0103-\u015fi asume deciziile \u015fi curajo\u015fi s\u0103 mearg\u0103 p\u00e2n\u0103 la cap\u0103t. Altfel, nu ne r\u0103m\u00e2ne dec\u00e2t s\u0103 st\u0103m \u015fi s\u0103 strig\u0103m \u00een cor: “\u00cencredere, restabile\u015fte-te!”<\/p>\n
Anca Bidian este CEO Kiwi Finance, cel mai mare broker de credite din Rom\u00e2nia<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"
Din toate articolele, analizele sau pur \u015fi simplu p\u0103rerile publicate despre perioada prin care trecem – previziuni, cataclisme, crestere? Ba nu, stagnare, revenire, pr\u0103bu\u015fire, ghicitori de curs valutar sau de viitorul omenirii -, un singur cuv\u00e2nt este prezent \u00een toate: \u00eencrederea, mai precis, lipsa ei. \u015ei orice solu\u0163ie, oric\u00e2t de sofisticat ne este sugerat\u0103 sau gr\u0103it\u0103 emfatic de vreun guru atotv\u0103z\u0103tor se opre\u015fte p\u00e2n\u0103 la urm\u0103 la \u201erestabilirea \u00eencrederii\u201e.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[529],"tags":[26994,7733],"class_list":["post-54308","post","type-post","status-publish","format-standard","hentry","category-opinii","tag-analizele","tag-curs-valutar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54308","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=54308"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54308\/revisions"}],"predecessor-version":[{"id":70887,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54308\/revisions\/70887"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=54308"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=54308"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=54308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}