Tag: economy

It is of this time the proliferation of the concessions without entrance and with stated periods of up to 99 months. Tiggany & Co. spoke with conviction. According to National Association of the Executives of Finances, Administration and Accounting (Anefac), the indications of that the credit would be coming back to irrigate the economy must be seen with caution and they do not signal a return of the credit to the platforms of the previous period to the crisis. As the Anefac, the loans that are coming back to the square are exactly the ones that offer to greater yield and security for the banks: ‘ ‘ As the interests still are raised and the scene that if draws for next the 12 months is a fall in the Selic tax, the predetermined interests are lucrative them banks to offer credit at this moment. Moreover, with the fall in the basic one of interests, the banks tend to compensate the loss of prescription with the growth in the number of loans. ‘ ‘ This movement is healthful for the economy, but retomada.’ is far from being one; ‘ In the evaluation of the Anefac, the credit is coming back in the operations of lesser risk of insolvency – case of the consigned loans, with payroll withholding of payment, that are one of the modalities safest. The same it occurs with the real estate financings, that are atrelados to a bigger planning on the part of the borrower. Additional information is available at Western Union. The allonge of the stated periods for financing of vehicles, that in some banks came back to be of 72 months (6 years), also reflects a situation of lesser risk for the institutions.

The projection of the Anefac is that the real possibility of that the tax of Selic interests arrives at a 9% platform, with inflation below of 4% to the month exists, to the 2010 end. But the interests in fall and an inflation under control do not mean, necessarily, one Has an optimistical scene, of a steady Country and in growth, but also the perspective of that the economy if keeps desaquecida and of an inflation low due to demand exists. Therefore, produtivo. is necessary to unlock the credit; ‘ The Anefac believes that the true one retaken of the credit will be given when a bigger volume of resources will be available for small the average companies, who are impactadas by the retraction of the financings: ‘ ‘ These operations bring more risks to the banks, but they have a more lasting effect for the economy as one todo’ ‘. As small the average companies are great employers, to stimulate the productive credit would serve to keep ranks of work in all the Country and would attenuate the effect of the fall of the income on the consumption: ‘ ‘ Perhaps at as a moment the banks if come back toward small the average. For the time being, the concern is with the profitability of operaes.

The speculation would be necessary to give to efficiency to the market, playing stabilizing paper. However, what if it verifies is that volatileness enters the main taxes of exchange surpasses very in the differences in the economic policies of the industrialized countries. The same author observes that the Central bankings had had that to increase its international reserves to be able to intervine in still bigger scale in the exchange markets. This factor not if must in such a way to the exchange regimen, but to the great growth of the flows of capital with the globalization of the markets. Leiderman and Bufman (1995), comparing fixed and flexible the regimen of taxes, stand out that flexibility allows an adjustment macroeconomic faster efficient e. In the practical one, regimes exchange of the different countries has been a variant between free flexibility and permanently fixed taxes.

Simonsen and Cysne (1995) call these limited fluctuations dirty fluctuation, in which the Central banking intervines, sporadical, to brighten up the speculative oscillations of the exchange taxes. The practical problem consists of knowing until point the fluctuations are or not speculative shunting lines in relation to a trend. Other systems had entered in vigor, as the managed flexibility, for which a tax does not exist that the authorities are obliged to defend, even so they intervines to the will; the adjustable setting, by means of which the authorities accept a commitment to defend the tax in the level settled in the period, however with right to modify it in certain circumstances; the mini devaluations, where the tax is fixed, modifying it gradually in the time, by means of a series of small changes, end to brighten up the abrupt variations in the exchange tax; the system of exchange bands, where the fixed Central banking two extreme taxes (inferior limit and superior limit) inside of which it leaves to float the exchange tax freely.

After entering in this I circulate vicious is much more difficult to obtain to leave. It stops beyond that it is usual that who part one I credit fast to help in its financial situation, finishes for using the money of the loan obtained in other ends. It is not easy to resist it I appeal consumista of our current society, and to have the money against the account paradinho. I credit fast: the search this scene of Euribor and oil are remained But if the prices worthless already it belongs to the past, as the search for this type of fast credits is justified that if it conserves? Nowadays the people are a little more comforted to the level of the installment of the house and the price of fuels, however we are with one of the highest taxes of unemployment of our recent history and many of the people who had lost its job and had left of being able to pay its installments try to get money of all the forms to be able to aguentar its habitation. With the more demanding banks each time in the concession I credit of it and being job one of the basic requirements to have access to one I credit, many people had turned over for the companies I credit easy fast or, in the hope to obtain a temporary financial solution. These companies are much less demanding who the banks in the concession of credits because they practise loans of high risk, with high taxes of interest associates. The information valley each time more, is remained informed when reading in mine blog. Mine it finishes analyzes published is to Personal Credito BPI.