Finante-Banci
Semnul panicii: Bancile fug cu banii la Centrala in loc sa crediteze economia
Cand
o banca are lichiditati, in vremuri normale, aceasta cauta sa le plaseze ori in
piata financiara, ori in economia reala, in cautarea unor randamente peste
costul banilor, de preferat cel putin peste rata inflatiei.
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Insa,
cum nu traim vremuri normale, panica din Europa impinge institutiile financiare
din Zona euro sa isi plaseze banii la BCE, pentru o dobanda de doar 0,75% pe
an. Oportunitati pentru ca bancile cu bani sa castige mai mult decat aceasta
dobanda minuscula exista. Ar putea sa imprumute alte banci, care nu sunt atat
de fericite sa obtina usor lichiditati, la un pret pe masura. Ar putea sa
acorde credite populatiei sau firmelor – economei reale – intr-o perioada in
care al doilea val al recesiunii bate la usa in Europa. Asta inseamna insa
risc, si foarte putini sunt dispusi sa si-l mai asume, relateaza Money.ro
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