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Banii de la saltea aduc mai mult profit. Depozitele bancare - efectul dobanzilor negative

Depozitele cu dobanzi negative tind sa monopolizeze Europa, iar deciziile Bancii Centrale Europene nu fac decat sa inrautateasca aceasta realitate. Clientii care isi tin banii in banca prefera sa ii retraga, in aceste conditii, indiferent daca planuiesc alte investitii sau pur si simplu ii pastreaza. Momentan, Romania este una dintre putinele exceptii de la regula, bancile locale oferind dobanzi nominale real pozitive si inflatie negative. Dar asta nu inseamna ca dobanzile sunt si satisfacatoare.

Aproape toate bancile din Romania ofera dobanzi nominale real pozitive, cel putin teoretic, deci ele nu sunt cu minus. in plus, inflatia este negativa, asadar nu este niciun motiv teoretic de ingrijorare, la acest capitol. Problema este ca, desi nu sunt negative, dobanzile sunt foarte mici. Sunt atat de mici incat profitul pe care ele il aduc nu acopera nici macar costurile pe care le implica un depozit comisioane de administrare, retragere, alimentare sau altele, explica pentru IMOPEDIA.ro Marian Stroe, analist finaciar Smart Business Advisor.

Trei sferturi dintre posesorii de depozite de la nivel european vor sa isi retraga banii din banci, in momentul in care dobanda devine negativa

Asa se ajunge la situatia in care clientii retrag mai putini bani decat au depus, in momentul in care depozitul expira. Acest lucru face depozitul nerentabil, in aceeasi masuta cu depozitele negative care se gasesc peste tot in Europa, unde situatia este de natura sa ingrijoreze atat bancherii, cat si clientii bancari.

in contextul in care Banca Centrala Europeana reduce constant dobanda pentru depozit, chiar si cand aceasta era deja negativa, de 0,3%/an, iar estimarile referitoare la inflatie se inrautatesc pe termen scurt, pana in 2017, clientii bancari iau masiv decizia de a retrage banii din banci. Unii vor sa ii investeasca pe bursa, altii vor sa ii pastreze sau sa ii cheltuiasca, dar un procent covarsitor de trei sferturi dintre clientii de depozite au spus ca isi retrag banii, continua analistul financiar.

Acelasi comportament se resimte si in randul romanilor. Potrivit unui sondaj facut la nivel european de ING Bank, romanii ar prefera sa cheltuiasca sumele economisite, daca dobanzile devin negative. Alti 33% ar prefera sa pastreze banii la saltea, dar in orice caz, peste 75% ar vrea sa retraga banii din depozite, intr-un asemenea context.

articol citit de 2354 ori
21 Decembrie 2015

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