content top

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.

Lascia una recensione

490 Commenti riguardo "MORATORIA DEI DEBITI: PAGARE E MORIRE…"

avatar
  Subscribe  
Notificami
trackback

best personal massager wand

[…]Wonderful story, reckoned we could combine some unrelated information, nonetheless really really worth taking a look, whoa did one particular master about Mid East has got far more problerms also […]

trackback

cordless personal massager

[…]Wonderful story, reckoned we could combine a number of unrelated data, nonetheless really really worth taking a look, whoa did a single master about Mid East has got extra problerms at the same time […]

trackback

Criminal Defense Lawyer Richmond, VA

[…]please go to the internet sites we follow, such as this a single, because it represents our picks from the web[…]

trackback

dp sex toys

[…]one of our guests just lately encouraged the following website[…]

trackback

guitar music theory

[…]one of our guests not long ago encouraged the following website[…]

trackback

Pornhub

[…]although websites we backlink to below are considerably not related to ours, we really feel they may be essentially really worth a go as a result of, so have a look[…]

trackback

VIP Desert Safari

[…]The information mentioned in the report are a number of the top offered […]

trackback

thrusting sex toy

[…]below you will uncover the link to some web sites that we think you ought to visit[…]

trackback

chwilówki

[…]Sites of interest we’ve a link to[…]

trackback

lawn care companies in atlanta

[…]just beneath, are numerous entirely not related websites to ours, having said that, they’re certainly worth going over[…]

trackback

iphone 6s screen repair

[…]always a large fan of linking to bloggers that I really like but don’t get lots of link enjoy from[…]

trackback

really ample sleeve

[…]Wonderful story, reckoned we could combine a handful of unrelated data, nevertheless definitely worth taking a look, whoa did 1 study about Mid East has got extra problerms at the same time […]

trackback

penis size enhancers

[…]The info mentioned in the write-up are a number of the ideal obtainable […]

trackback

sex toys for plus size women

[…]the time to study or visit the content material or web pages we’ve linked to beneath the[…]

trackback

vibrato lesson

[…]just beneath, are various absolutely not related internet sites to ours, even so, they’re certainly really worth going over[…]

trackback

g spot

[…]Here are a few of the sites we suggest for our visitors[…]

trackback

egg vibrator

[…]below you will obtain the link to some internet sites that we assume you ought to visit[…]

trackback

realistic suction cup dildo

[…]Sites of interest we have a link to[…]

trackback

wild orchid sex toy

[…]here are some hyperlinks to sites that we link to mainly because we consider they are worth visiting[…]

trackback

penis masturbator

[…]we like to honor several other online web-sites on the net, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]

trackback

Porn City

[…]below you will uncover the link to some web-sites that we feel you ought to visit[…]

trackback

vibrating panties

[…]please check out the internet sites we adhere to, like this 1, as it represents our picks in the web[…]

trackback

p spot stimulation

[…]we came across a cool internet site that you just could possibly love. Take a search when you want[…]

trackback

dildo

[…]please take a look at the web-sites we comply with, such as this one particular, because it represents our picks through the web[…]

trackback

concertina doors

[…]Sites of interest we have a link to[…]

trackback

https://find-a-bride.org/

[…]Every once in a though we decide on blogs that we study. Listed beneath are the most recent internet sites that we select […]

trackback

real work from home jobs

[…]always a big fan of linking to bloggers that I love but don’t get a great deal of link like from[…]

trackback

grand rapids seo

[…]Here are a number of the internet sites we suggest for our visitors[…]

trackback

teen xxx

[…]please visit the websites we comply with, like this one particular, as it represents our picks through the web[…]

trackback

how much home can i qualify for

[…]Here is an excellent Weblog You might Obtain Exciting that we Encourage You[…]

trackback

thrusting rabbit vibrator

[…]The information mentioned within the article are several of the very best available […]

trackback

Store

[…]Wonderful story, reckoned we could combine a few unrelated data, nevertheless really worth taking a search, whoa did 1 study about Mid East has got much more problerms also […]

trackback

penis vacuum pump

[…]just beneath, are many totally not associated websites to ours, nonetheless, they may be surely worth going over[…]

trackback

adam and eve rechargeable kegel balls

[…]usually posts some pretty intriguing stuff like this. If you’re new to this site[…]

trackback

best anal toys

[…]one of our guests recently encouraged the following website[…]

trackback

strap on dildo

[…]check beneath, are some entirely unrelated internet sites to ours, on the other hand, they’re most trustworthy sources that we use[…]

trackback

188bet

[…]Here are some of the internet sites we advise for our visitors[…]

trackback

fun88

[…]we prefer to honor many other web websites around the net, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]

trackback

free download for laptop pc

[…]we prefer to honor quite a few other internet web-sites around the web, even if they aren’t linked to us, by linking to them. Below are some webpages worth checking out[…]

trackback

pc games free download for windows 10

[…]we came across a cool web page that you could love. Take a appear should you want[…]

1 8 9 10