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MORATORIA DEI DEBITI: PAGARE E MORIRE…

Appena ho letto che le banche hanno firmato un accordo con le PMI per una moratoria dei debiti, ho provato a pensare alle implicazioni operative. La considerazione che ne è scaturita mi è subito parsa frutto di una visione miope. La conclusione che ne ho tratto è stata di uno spostamento del problema. Invece di pagare oggi, pagherò domani. Ma pagherò. Come per le cambiali.

Se ho capito bene le piccole imprese saranno autorizzate a sospendere il pagamento delle rate di mutuo contratto con la banca. Qualunque sia la durata effettiva della sospensione alla fine del periodo le aziende si troveranno a pagare le rate accumulate più quelle future.

Vero è che sia il governo sia le banche sia Confindustria hanno fatto affidamento su una ripresa economica tra alcuni mesi. Ma l’effetto sospensione sarà annullato dal cumulo di rate arretrate che le aziende si troveranno a dover pagare alla fine della moratoria. Non solo, ma è vero o non è vero che la ripresa sarà lenta? Se dovesse essere lenta, come da più parti si legge, le aziende debitrici si troveranno daccapo.

Oltre alle mie elucubrazioni ho preso contatto con due direttori di banche primarie per chiedere cosa ne pensassero.

Entrambi i direttori sono apparsi imbronciati prima ancora che il provvedimento di moratoria entri in vigore. Ho cercato di capirne le ragioni. Entrambi mi hanno detto che sarà un inferno. Il motivo è semplice. Le aziende cercheranno di lucrare più possibile con le banche. Le quali appariranno ancora una volta rigide, non comprensive, e via dicendo. Come sempre.

Beninteso sul parere dei due bancari ho fatto la tara. Sono troppo di parte per intravvederne qualche opportunità.

Ne è scaturita una ulteriore considerazione che si rifà ai valori fondamentali. Ho pensato che forse le aziende dovrebbero chiedere non tanto delle moratorie, quanto delle condizioni più vantaggiose. Ad esempio, se invece di chiedere una moratoria le piccole aziende avessero chiesto una ristrutturazione del debito o la concessione di condizioni meno gravose non sarebbe stato un sollievo più definitivo?

Eppoi, perché le banche non fanno opera di moral suasion invitando in modo esplicito le aziende ad indebitarsi meno? E’ inutile o quasi emanare editti del tipo Patti Chiari o Basilea 1 e Basilea 2. Producono l’effetto di irritare gli imprenditori e basta. Le stesse banche devono saper consigliare i clienti quando è bene indebitarsi e quando no.

Altrimenti si fanno sempre discorsi demagogici, ma senza rispetto dei valori fondamentali.

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