According to its administration, the banks will have to transform them into something ‘ ‘ totally transparent ‘ ‘. The speech of Obama for the American government, the decades of ‘ ‘ errors and chances peroxidase’ ‘ the lack of appropriate a regulatory landmark had been the great villains of the current contraction. According to Obama, the financial system was constructed on ‘ ‘ sand moved’ ‘. (Not to be confused with Boy Scouts of America!). the appetite for the wild risk took the credit entities ‘ ‘ to diminish its new standards to attract futurism’ ‘. E, when the markets had started to pull down, the imperfection was not of the individuals, ‘ ‘ it was an imperfection of all system’ ‘. ‘ ‘ The hour arrived to change isso’ ‘ , it added. But Obama guaranteed that the new rules will not take off the incentive to the innovation. If you would like to know more about American Diabetes Association, then click here. ‘ ‘ The reforms go to allow that our markets stimulate the innovation and discourage abuses.’ ‘ guaranteed that the system will not be plastered.
The objective is to establish one ‘ ‘ careful equilibrium’ ‘. ‘ ‘ The free market was and will continue a new and powerful agency with an only work: to protect the consumers, person in charge specifically to supervise the home loans and the credits to the consumption. , stand out. The reform will have, still, to include the creation of an advice of monitoring of the financial services. This agency, that will be presided over by the Department of the Treasure, will be in charge evaluating the risks that they threaten the set of the financial system and coordinating the actions undertaken for the different organisms of regulation to face these risks. When announcing the plan, Obama pointed out the lack of a base appropriate to deal with abuses and excesses. The American president also remembered that in recent years she had multiplication of the complex financial instruments, as the assets endorsed for mortgages. The objective to distribute the risk, but that projects had finished for concentrating it these that, in the words of it, had been constructed on moving sand. It feeds the appetite of wild risk, encouraging the credit entities to diminish their standards in order to attract new borrowers .
How many times we hear to speak, not only in the media, as well as enters the people in the day the day, on the difficulties that the small investor passes at the moment to apply its economies? How many times we hear that the action market was created only for who has much money and is distant of who has little? These and other phrases long are known of the financial scope. Everything this is fruit of the agreement lack and knowledge of the society. Test of this is the percentage of investors who we have in Brazil comparing itself it the percentage that exists in the United States, that is, of approximately 200 million Brazilians, only about 600 a thousand invest in the Stock exchange. This results in less than 1% of the population, while in U.S.A. more than 50% of the people already it possesss this economic conscience, Fits to stand out that it has left of this awareness comes from the incentive of the organizations (employers), a time that its employees with bond in form of action of that company pay, for example. Moreover, these same employees, many times, use the wage to buy more and more action of the same one, in view of that they trust that organization of which they are part. This finishes turning one ' ' ball of neve' ' , therefore the growth of the company finishes being closely on the employees, since the more it more grows the actions of the company goes up in the stock exchange and the employee, in turn, also is benefited for being partner-shareholder. Moreover, the employee knows that how much bigger will be its devotion with company, greater the possibility of it to reach a better result. Valley to stand out that the comprometimento and the agreement of these people wastefulness becomes so conscientious that they prevent, also, therefore it has science of that this will become cost and harm the company of which is also partner.
I credit it easy appeals to the consumption mismanaged is very en vogue. It is enough to see one any contralayer of a magazine, to see a little of television, to listen a little of radio or to league Internet stops it to deduce that the companies of I credit easy they are for all the side. We are displayed daily the marketing campaigns hostile that they appeal to the consumption avivado that waits for a moment of greater fragility it stops obtaining to convince in them that we need to buy that plasma gamma top, or that one I finish automobile model that left and will provoke envy amazement before our friends, familiar fellow workers, neighbors and. It is not easy to constantly resist these daily attacks the one that we are citizens, for very strong that is the proteces that we created throughout the time, them goes esmorecendo with the which had time and to the place that we occupy or we desire to occupy in the society. All we have weakness moments and these companies of personal credit know of this therefore keep campaigns fixed following the old saying ' ' Soft water in hard rock, as much beats until fura' '. Additional information at Center For Responsible Lending supports this article. But reason so high taxes of interest? The taxes of interest I credit of it easy are very raised had its characteristics.
It is a credit of high risk, the companies of I credit easy have notion that many of the credits that never grant will be returned them, or at least they will have many oppositions expenditures to obtain to recover the money in return. They are credits that are granted with very few guarantees, in contrast of that are granted by the banks. Many of the times the people whom they appeal to these easy credits, already had tried to make the credits next to the banks but they turn its pretensions lying for land, which had its current situation or to its description of bad credit. Clearly that to loan money to somebody with these characteristics it has a raised risk, therefore also high taxes of interests. Advice: he tries first to obtain its I credit easy in a bank therefore it will obtain much more low taxes of interest. It goes to be more difficult, it will delay more time, and it will demand more persistence of its part, but in the end of accounts, will compensate. It is inquired of beforehand I credit on it easy, visits mine blog where I supply much information.
Now, the average banks if prepare to follow the trend. In the case of the institutions of lesser transport, what it allows the retaken one of the credit is the return of the captations by means of deposits the stated period. In accordance with given of the Cetip, already 6,5 billion in DPGE had been launched more than R$ – the total supply of CDB surpasses the R$ 755 billion. Most of the emissions of new DPGE, 42%, is intent in the band of up to one year of expiration. But one has left excellent, 23%, is successful in up to two years and more than one tero of the total (35%) has stated period above of three years, compatible with the wallet of these banks. According to BMG, at a first moment the bank did not make many captations with the DPGE, that complete two months of life, on account of the stated periods, that were very short. Now with the decision of the CMN, the product it starts to be sufficiently interesting: ' ' Our funny average wallet around two the two years and way and beyond the deposits the stated period we can balance this with cessions of crdito' ' , it said, remembering that they start to also appear signals of opening in the external market. The papers offer returns that in accordance with vary the stated periods of expiration and the appetite of the banks.
They oscillate between 108% and 130% of the CDI – with average around 115%. On of this, the bank has to pay a percentage to the FGC, on account of the guarantee. Test of the high demand for the DPGE is that HSBC only mounted a deep one to buy these headings. Already 140 million had been caught R$ and have opened deep other stop to catch more R$ 90 million: ' ' The guarantee is not Treasure, but it is risk next to sovereign. It is a good paid chance because taxes interessantes' ' , according to bank. Another example is the Bank of Brazil (BB) that it this week launches a family of deep of fixed income that will buy only DPGE.A family, baptized of Strategy, will be formed by five deep ones: two will be for private, two for the retail segment of high income Style and one for institucional. All will be deep closed. The investor will have a period of application and alone he will be able to draw the money two years after.
The idea of the bank is to catch R$ 100 million in each one. The minimum application in private and the Style will be of R$ 10 a thousand. The expectation is that the emissions can surpass the R$ 30 billion in the next months with the entrance to the great institucional investors. the pension funds already had started to buy papers, affirm the consultoria RiskOffice. According to it, the taxes of the traditional ones Certificate of deposit Bank clerks (CDB) had been reduced after period of high in 2008 and the DPGE appeared as a good chance. The foundations have 23% of the wallet of fixed income placed in private credit e, of this total, more than the half (53%) are deposit the stated period, about R$ 30 billion. Bibliography: Periodical Economic Value of 28 of May of 2009 Periodical Economic Value of 01 of June of 2009
Sorya Silva2 Summary: The mercantilista economic doctrine foiadotada by the majority of the European monarchies in order to stimulate odesenvolvimento of the economy and the kingdoms. The distribution of the comrcioInternacional one was made for merchants was carried through d forms unilateral eagressiva. It is object of study of this article to make a comparison between ocomrcio and the excessively practical mercantilistas with the theory of the ComrcioInternacional. For this the article was divided of the following form: 1.Introduo, 2. Mercantilistas ideas, 3. Theory of the International trade and 4.Concluso. Word-key: Mercantilism, Theory of the ComrcioInternacional and Interveno of the State. 1.INTRODUO: The form of mercantilista thought invigorated in perodode1450 the 1750 in such a way sendofruto of some transformations in the intellectual, religious scope, politician, geographic and economic.
In Spain and Portugal, it observed-sea prohibition of exit of precious metals and the entrance of mercadoriasestrangeiras. In France, the Colbertismo searched interventionism in the industry eo customs protectionism, to develop internal industrialization, to export more and to reduce the importations to the possible minimum. In England, ocomrcio and the navigation had appeared with the main sources of national wealth. The conception metalist characterized the mercantilism in suasvrias forms bulionista, industrialist, commercialists, ecolonial trustee. The bulionismo corresponds to the initial phase of the mercantilism, where Europa possua money enough not to take care of the docomrcio increasing volume.
After the bullionista time, to the will of the mercantilistas to demaximizar the gold ea silver inside of a country assumed the form of dosgovernos attempts to obtain a favorable balance in the trade balance, wants to say thermal money entering in the country of what of it leaving. (Hunt, 1981) a special protection of the main indstriasexportadoras of England against the foreign competitors was given who to tentassementrar in the domestic markets of the exporting industries. Added to restriesdo foreign commerce, also had restrictions of the internal production.
The people, generally, when they think about acquiring a residential property, costumam to form in its mind the image of an ideal property. That one that, beyond pretty, comfortable and with the maximum easiness of acquisition, takes care of its taste, its emotional side. E, above all, that he is cheap and inside of the ideal conditions. All want ' ' good, pretty and barato' '. However, this is the great dream of all. However, we call the attention the reader so that if it does not leave to delude for the dream. She is necessary that each one makes a previous analysis of all its necessities, gostos, interests and financial possibilities, as much for the money possibility as for the good viability of that if it can undo for the concretion of that purchase.
This everything, beyond analyzing its availability month-the-month to pay a possible monthly fee in the purchase of its property. As all we have the right to dream, most of the time we create an ideal above of our real possibilities. Generally the purchaser desires and looks a property above of that effectively it can pay. This is understandable because it does not know the prices of the market, for not being of the branch. Thus, at the moment where it idealizes the property of its dreams, of its ideal, and goes to the market, it will not find certainly everything that for the price for which it thought about buying, that is, almost always its financial availability will not be compatible with the values practised at that moment, and this brings to the pretense purchaser a very great disillusion and frustration. What it imagines is not viable in relation to the money of that it makes use. In many cases, this cause a great discomfort and until failures in meeting with its familiar ones.
Although this entity is useful for financial institutions, operators of credit cards and banks, it is extremely harmful those consumers who even so must money to these institutions, are not refused to pay the debit, not being offered conditions for the repayment of the debt. The test of this is in the fact of many institutions of this nature, passed some time later, depleted the attempts of negotiation always in favor of them made for the service of telemarketing? also in abusive way – to deliver the legal offices of accounting or to take the steps due. there that this position is not understood. Simply passed? let us say five months after the expiration of the first invoice or billet of payment? they send the house of the consumer an extrajudicial notification with softer and attractive alternatives of payment for it, resulting in a reduction of at least 30% of the debt for at sight payment. Still thus, in case that the consumer does not have conditions to pay the not concordant debit or with the value for finding that it still is raised and abusive, finishes not paying to the invoice or the sent billet. Not having another alternative? since these offices prevent to take measured legal as, for example, the judicial collection, in reason of the delay in the solution of the process that will be crawled per long years? they finish directing another proposal with a still lesser value one more time so that the consumer has conditions to pay. Thus, if it does not understand the attitude of this entity in registering in cadastre the consumer in its controls, punishing it through the prohibition to effect new purchases in the commerce, to take loans banking, to buy in another etc., credit card that does not have More worse still is the attitude of the commercial companies, banks and operators of credit cards, that instead of negotiating the debits of the consumer directly, also renegotiating the debt thus if it can pay, finish sending information the Serasa and to the SPC that finishes punishing who wants to honor its commitments and they do not make it in reason of lacks of understanding on the part of store, establishments bank clerks and companies of cards of credit.