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Cat de sigure sunt b?ncile europene?

Cat de sigure sunt b?ncile europene?

Guvernele din Europa au garantat zilele acestea sume cat mai mari din depozitele popula?iei. La un an dup? ce a fost in pragul falimentului, grupul financiar Northern Rock este considerat de anali?tii din Regat cea mai sigur? banc? din Marea Britanie.

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De?i este considerat? de anali?ti cea mai

sigur? banc? britanic?, Northern Rock nu poate de?ine mai mult de 1,5% din

depozitele totale.

 

Anali?tii cita?i de Reuters sus?in c?

mi?carea Irlandei de a garanta toate depozitele bancare pe o perioad? de doi

ani poate reprezenta piatra de temelie pentru un viitor plan de revitalizare a

intregului sistem financiar european. La o zi dup? ce Guvernul de la Dublin a

anun?at decizia de a garanta depozite in valoare de peste 400 miliarde de

dolari, bancherii din Marea Britanie au raportat c? britanicii i?i mut? masiv

economiile in b?ncile irlandeze.

 

Exemplul Irlandei se extinde in Europa

 

Asta, dup? ce conturile b?ncii britanice

Northern Rock au fost umplute pan? aproape de limit?. Nu mai pu?in de un

miliard de lire sterline (1,3 miliarde de euro) au intrat in vistieria b?ncii

britanice in ultimele dou? s?pt?mani, relateaz? „The Times“. Ins?, conform

reglement?rilor europene pentru concuren??, banca aflat? in controlul statului

inc? de anul trecut nu poate de?ine mai mult de 1,5% din economiile aflate in

posesia institu?iilor financiare britanice.

 

Grupurile bancare inc? refuz? s? se

imprumute

 

Guvernele europene au urmat exemplul

Irlandei ?i au anun?at majorarea limitei de garantare a depozitelor bancare ale

popula?iei. Mi?carea autorit??ilor de la Dublin poate fi asem?nat? cu ac?iunea

Suediei din anii ‘90, cand, aflat? in plin? criz? financiar?, a decis

na?ionalizarea intregului sistem financiar pentru a-l salva de colaps.

 

Guvernul suedez a garantat toate depozitele

?i a preluat participa?ii ale grupurilor bancare. B?ncile ins? refuz? in

prezent s? se imprumute intre ele, in ciuda faptului c? b?ncile centrale au

injectat sute de miliarde de dolari in sistemul financiar pentru a le incuraja

s? ofere din nou creditare.

 

Cele mai problematice sunt ins? b?ncile

islandeze. In urm? cu dou? zile, oficialii de la Reykyavik au suspendat

tranzac?ionarea ac?iunilor b?ncilor islandeze, iar Guvernul din Islanda a cerut

un imprumut de 400 milioane de lire sterline (510 milioane euro) de la Banca

Central? European? (BCE), scrie „The Telegraph“.

 

In acela?i timp, cele mai mari b?nci

spaniole, printre care ?i Santander, ?i BBVA, par s? nu fie afectate de criza

financiar? care a lovit sistemul bancar european. Intrebat de Reuters dac? ia in

considerare o ac?iune similar? cu aceea a Irlandei, ministrul spaniol al

Economiei, Pedro Solbes, a declarat c? deja a fost luat? aceast? m?sura.

 

El a ad?ugat c? nu este nevoie de

interven?ia statului pentru a salva sistemul financiar. Dup? crizele bancare

din 1978 ?i 1993, Banca Central? a Spaniei ?i-a asigurat unele dintre cele mai

dure ?i severe reglement?ri pentru sistemul financiar, astfel incat a redus la

minimum expunerea la pia?a creditelor subprime din SUA.

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Sursa: Business24
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