Πρωτοφανές Αρνητικοί Τόκοι ! Που το πάει η Ευρωπαϊκή Κεντρική Τράπεζα ;

 

Πρόκειται για μια κατάσταση άνευ προηγουμένου!

 

Η Ευρωπαϊκή Κεντρική Τράπεζα  μείωσε πρόσφατα  το κεντρικό επιτόκιο καταθέσεων της από το 0,00% στο -0,30%. Τι σημαίνει αυτό; Αυτό σημαίνει σίγουρα  ότι οι καταθέσεις  χρημάτων στον τραπεζικό λογαριασμό σας  θα παράγουν  ακόμη λιγότερα απ ότι προηγουμένως  καθώς η τράπεζα   θα  επεξεργάζεται  τα χρήματά σας για να δώσει  δάνεια προς τους πελάτες της.

 

Αυτό που ίσως πολλοί από εμάς  δεν γνωρίζουμε όμως είναι ότι η τράπεζά  μπορεί επίσης να καταθέσει τα ποσά των χρημάτων που δεν χρειάζεται  ώστε να τα χρησιμοποιήσει για δανεισμό  και προς  την ΕΚΤ.  Μέχρι πρόσφατα, οι τράπεζες  λάβαιναν αμοιβή για τις εν λόγω καταθέσεις  ενώ τώρα παράδοξα  θα πρέπει να πληρώνουν  τόκους για χρήματα που της δάνεισαν !

 

Γιατί λοιπόν ένα αρνητικό τόκο  ; Για να πληρώνεται η ΕΚΤ ;

 

Όχι φυσικά. Η ΕΚΤ θέλει να αποθαρρύνει τις τράπεζες να κρατήσουν  τα χρήματά μέσα στα συρτάρια τους , και αντ ‘αυτού θέλει να τους ενθαρρύνει να τα  χρησιμοποιούν για να δώσουν υπό ευνοϊκούς όρους  πιστώσεις προς τις επιχειρήσεις και τις οικογένειες.

Με τη μείωση των επιτοκίων της, η ΕΚΤ ελπίζει κάπως να  ενισχύσει τον πληθωρισμό. Είναι γεγονός ότι η χαμηλή αμοιβή της αποταμίευσης ενθαρρύνει τα άτομα να καταναλώνουν  περισσότερο και τις επιχειρήσεις να επενδύσουν, οδηγώντας έτσι λογικά σε αύξηση της ζήτησης για αγαθά και υπηρεσίες και, κατά συνέπεια, αύξηση σ τις τιμές. Όλοι  συμφωνούν ότι μέτριου επιπέδου  πληθωρισμού είναι κάτι  καλό για την οικονομία. Ο πληθωρισμός στην ευρωζώνη είναι περίπου 0% από την αρχή του 2016.

Η αύξηση των τιμών ωθούν επίσης σταδιακά και το εθνικό ΑΕΠ (Ακάθαρτο Εσωτερικό Προϊών) προς τα πάνω. Ενδεικτικά το εθνικό ελληνικό ΑΕΠ  μείωσε κατά 31% από το 2008 έως σήμερα !

 

Επίσης, ο δεύτερος στόχος είναι ότι  η ΕΚΤ επιθυμεί να επηρεάσει την πορεία του ευρώ. Πώς ;  Όσο περισσότερο ο τόκος είναι χαμηλός σε ένα συγκεκριμένο νόμισμα, άλλο τόσο  αυτό το νόμισμα καταλήγει  στο να μην είναι  ελκυστική επένδυση. Το χαμηλό ποσοστό τόκου (το αρνητικό πλέον  Ευρώ) θα μειώσει τους επενδυτές   μειώνοντας έτσι και την πορεία του έναντι των άλλων νομισμάτων (όπως το Δολάριο). Αυτό μπορεί να αποδειχτεί  επωφελές για τους ευρωπαίους εξαγωγείς, επειδή τα προϊόντα τους  θα είναι έτσι σχετικά φθηνά στο εξωτερικό.  Αλλά και πάλι, το νόμισμα έχει δύο όψεις: τα προϊόντα που προέρχονται από αλλού (εισαγόμενα) θα είναι πιο ακριβά για τους ευρωπαίους καταναλωτές. Ωστόσο, η προώθηση που θα δοθεί στο να αγοράσουν οι καταναλωτές (στην εσωτερική και την εξωτερική αγορά)  περισσότερα ευρωπαϊκά προϊόντα, είναι ένας  πολύ καλός οιωνός  για την οικονομία της Ευρωπαϊκής  Ένωσης και της Ελλάδος.

 

Μη φανταστούμε παράλληλα  ότι από αύριο αυτή η νέα πραγματικότητα των αρνητικών τόκων θα υποκινήσει τον  Ευρωπαίο καταθέτη να τρέξει να βγάλει τα χρήματα του από τα βιβλιάρια λόγου χαμηλότερης απόδοσης, μιλάω για τον Ευρωπαίο καταθέτη  διότι ο Έλληνας είναι εκ των πραγμάτων εγκλωβισμένος  λόγου Capital Control. Όχι, στην πραγματικότητα  δεν υπάρχει κίνδυνος  μαζικής  απόσυρσης  των χρημάτων και αυτό για δυο λόγους, αφενός διότι  οι τράπεζες αποτελούν  ένα ασφαλές μέρος για να καταθέσετε χρήματα σε αντιπαράθεση με το  παρκέ η το στρώμα, και αφετέρου  έχουμε πανευρωπαϊκά  ένα όριο ανάληψης μετρητών που είναι  € 3.000 μέσω ορό στην  Ευρώπη κάτι το οποίο καθιστά αδύνατη την μαζική απόσυρση των μετρητών. Προσφάτως  είδαμε  επίσης  και την  σκέψη  να αφαιρεθεί το χαρτονόμισμα  των € 500 να προοδεύει καλά, κάτι που θα δυσκολέψει  ακόμη  περισσότερο την ταχύ ανάληψη μετρητών.

 

Έτσι εν ολίγοις, και συνοψίζοντας, τα πρώτα συμπεράσματα είναι ότι αν και το αρνητικό επιτόκιο προσφέρει έμμεσα μια νέα δυνατότητα  έλεγχου επί  της ρευστότητας, παράλληλα  με την επιβολή αρνητικών επιτοκίων, η ΕΚΤ προτίθεται  να δώσει νέα ώθηση στην οικονομία των χωρών της ΕΕ δημιουργώντας ένα υγιή πληθωρισμό προορίζοντας  τα δάνεια  προς τον καταναλωτή κι επενδυτή.

 

1,678 thoughts on “Πρωτοφανές Αρνητικοί Τόκοι ! Που το πάει η Ευρωπαϊκή Κεντρική Τράπεζα ;”

  1. hello!,I love your writing very so much!
    proportion we keep in touch more about your article on AOL?

    I need a specialist on this area to resolve my problem.

    Maybe that is you! Having a look ahead to see you.

  2. Thank you for your entire labor on this web site. My mom take interest in participating in investigations and it is obvious why. My partner and i learn all regarding the lively tactic you produce simple thoughts through your web site and in addition invigorate response from the others on the subject then our favorite princess is truly studying a whole lot. Take advantage of the rest of the year. You have been doing a superb job. Sophie Lucien Casie

  3. Hey there! I realize this is sort of off-topic however I needed to ask. Does building a well-established blog like yours require a lot of work? I am brand new to running a blog but I do write in my journal daily. I’d like to start a blog so I can easily share my experience and thoughts online. Please let me know if you have any kind of ideas or tips for new aspiring blog owners. Appreciate it!

  4. Thanks for your personal marvelous posting! I really enjoyed reading it, you could be a great author. I will be sure to bookmark your blog and will often come back someday. I want to encourage one to continue your great job, have a nice holiday weekend!

  5. Hi, I do believe this is an excellent site. I stumbledupon it I am going to revisit once again since I book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

  6. Thanks on your marvelous posting! I actually enjoyed reading it, you can be a great author.I will ensure that I bookmark your blog and will often come back at some point. I want to encourage you to ultimately continue your great writing, have a nice day!

  7. You actually make it seem so easy with your presentation but I find this topic to be really one thing which I feel I might never understand. It seems too complex and extremely broad for me. I am having a look ahead to your subsequent publish, I will try to get the hang of it.

  8. Pretty nice post. I just stumbled upon your blog and wished to say that I’ve really enjoyed surfing around your blog posts.
    After all I will be subscribing to your feed and I hope you write again very
    soon!

  9. Howdy! This post could not be written much better! Looking through this article reminds me of my
    previous roommate! He constantly kept preaching about this.
    I am going to forward this post to him. Pretty sure he will have a good read.
    I appreciate you for sharing!

  10. I’ve been surfing online more than 2 hours today, yet I never found
    any interesting article like yours. It’s pretty worth enough for me.
    In my opinion, if all website owners and bloggers made good content as you did, the internet will be a lot more useful than ever before.

  11. Its such as you learn my thoughts! You appear to understand a lot approximately
    this, like you wrote the e book in it or something.
    I feel that you simply can do with a few percent to pressure the message house a little
    bit, however other than that, this is wonderful blog.

    A great read. I will definitely be back.

  12. Thanks for any other informative website.
    The place else may I am getting that type of info written in such a perfect approach?
    I have a challenge that I’m just now operating
    on, and I have been at the look out for such info.

  13. Very great post. I simply stumbled upon your blog and wanted to say that I’ve truly enjoyed surfing around your weblog
    posts. In any case I’ll be subscribing for your feed and I’m
    hoping you write again soon!

  14. Hey would you mind letting me know which webhost you’re
    utilizing? I’ve loaded your blog in 3 completely different web browsers and I must say this
    blog loads a lot quicker then most. Can you recommend a good
    hosting provider at a reasonable price? Thank you, I appreciate it!

  15. I have been exploring for a bit for any high-quality
    articles or weblog posts in this kind of house .
    Exploring in Yahoo I at last stumbled upon this website. Studying this info So i’m glad to exhibit that I have
    an incredibly just right uncanny feeling I discovered exactly what I needed.
    I most without a doubt will make sure to don?t overlook this site and
    provides it a look regularly.

  16. This is the perfect web site for anyone who would like to understand this topic.
    You understand a whole lot its almost tough to argue with you (not that I
    personally would want to…HaHa). You certainly put a fresh spin on a
    subject which has been discussed for ages.
    Wonderful stuff, just excellent!

  17. “Right here is the perfect blog for anyone who really wants to understand this topic. You understand so much its almost hard to argue with you (not that I actually would want toÖHaHa). You certainly put a brand new spin on a subject which has been discussed for a long time. Excellent stuff, just great!”
    נערות ליווי בתל אביב

  18. “After I originally commented I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive four emails with the exact same comment. Perhaps there is a means you can remove me from that service? Thanks!”
    נערות ליווי

  19. “Right here is the perfect website for anyone who really wants to find out about this topic. You realize a whole lot its almost tough to argue with you (not that I personally would want toÖHaHa). You certainly put a fresh spin on a topic that has been written about for a long time. Great stuff, just great!”
    נערות ליווי פרטיות

  20. “When I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get four emails with the same comment. Perhaps there is a means you are able to remove me from that service? Thanks a lot!”
    נערות ליווי בחולון

  21. “May I just say what a comfort to find somebody that really understands what they’re talking about on the web. You actually understand how to bring a problem to light and make it important. More and more people really need to read this and understand this side of the story. I was surprised that you aren’t more popular because you most certainly have the gift.”
    https://israelnightclub.com/נערות-ליווי-במרכז/

  22. “When I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve 4 emails with the exact same comment. Perhaps there is a way you can remove me from that service? Cheers!”
    נערות ליווי בצפון

  23. “This is the right blog for everyone who would like to find out about this topic. You understand a whole lot its almost hard to argue with you (not that I actually would want toÖHaHa). You definitely put a brand new spin on a subject which has been written about for decades. Great stuff, just great!”
    נערות ליווי בהרצליה

  24. “Can I just say what a relief to discover someone that genuinely knows what they’re discussing over the internet. You certainly realize how to bring an issue to light and make it important. More people ought to look at this and understand this side of your story. I can’t believe you are not more popular since you definitely have the gift.”
    נערות ליווי בקיסריה

  25. “Right here is the perfect webpage for everyone who really wants to understand this topic. You know so much its almost tough to argue with you (not that I really would want toÖHaHa). You certainly put a fresh spin on a topic that has been discussed for many years. Excellent stuff, just excellent!”
    נערות ליווי בבת ים

  26. Hey There. I found your blog using msn. This is a really well written article.
    I will be sure to bookmark it and come back to read more of your useful information. Thanks for the post.
    I’ll certainly return.

  27. “Can I simply just say what a comfort to find someone who truly understands what they are discussing on the internet. You definitely realize how to bring a problem to light and make it important. More and more people really need to check this out and understand this side of your story. I was surprised that you are not more popular since you surely possess the gift.”
    https://romantik69.co.il/נערות-ליווי-בבת-ים/

  28. “Can I simply just say what a comfort to find someone who actually understands what they are talking about on the internet. You definitely realize how to bring a problem to light and make it important. More people have to check this out and understand this side of your story. It’s surprising you’re not more popular given that you certainly possess the gift.”
    נערות ליווי בפתח תקווה

  29. “May I simply say what a comfort to find an individual who genuinely knows what they are talking about on the net. You definitely know how to bring an issue to light and make it important. A lot more people really need to look at this and understand this side of your story. I was surprised that you aren’t more popular given that you surely possess the gift.”
    נערות ליווי

  30. “Can I simply say what a comfort to uncover someone who really knows what they are talking about on the web. You actually understand how to bring a problem to light and make it important. A lot more people ought to read this and understand this side of your story. I was surprised that you aren’t more popular because you definitely possess the gift.”
    https://romantik69.co.il/נערות-ליווי-במרכז/

  31. “Can I simply just say what a comfort to discover somebody who truly understands what they’re talking about on the internet. You certainly know how to bring a problem to light and make it important. More people must check this out and understand this side of the story. I was surprised that you aren’t more popular because you definitely have the gift.”
    נערות ליווי בצפון

  32. I blog quite often and I genuinely thank you for your information. The article has truly peaked my interest.
    I am going to bookmark your site and keep checking for new information about once per week.
    I subscribed to your Feed as well.

  33. “Next time I read a blog, Hopefully it doesn’t disappoint me just as much as this one. I mean, I know it was my choice to read through, nonetheless I actually thought you would have something interesting to say. All I hear is a bunch of whining about something that you could fix if you were not too busy seeking attention.”
    נערות ליווי בגבעתיים

  34. “I’m excited to discover this site. I need to to thank you for your time just for this fantastic read!! I definitely savored every part of it and i also have you bookmarked to look at new things in your website.”
    נערות ליווי

  35. “This is the perfect website for anybody who wants to find out about this topic. You know a whole lot its almost hard to argue with you (not that I personally will need toÖHaHa). You certainly put a fresh spin on a topic which has been discussed for a long time. Wonderful stuff, just excellent!”
    נערות ליווי ברמלה

  36. “May I simply say what a relief to find a person that genuinely understands what they are discussing on the internet. You certainly realize how to bring a problem to light and make it important. More people should check this out and understand this side of the story. I can’t believe you aren’t more popular given that you most certainly have the gift.”
    נערות ליווי בתל אביב

  37. “Can I simply say what a comfort to discover somebody who genuinely understands what they are talking about on the net. You definitely understand how to bring a problem to light and make it important. More people have to check this out and understand this side of your story. It’s surprising you’re not more popular since you most certainly possess the gift.”
    https://israelnightclub.com/נערות-ליווי-בחולון/

  38. “May I simply just say what a relief to find someone who genuinely understands what they’re talking about on the web. You definitely know how to bring an issue to light and make it important. More and more people ought to look at this and understand this side of the story. I was surprised you’re not more popular because you certainly possess the gift.”
    נערות ליווי

  39. “I would like to thank you for the efforts you have put in penning this site. I am hoping to see the same high-grade content from you later on as well. In truth, your creative writing abilities has encouraged me to get my own, personal website now ;)”
    נערות ליווי ברמלה

  40. “After I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I receive 4 emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Thanks a lot!”
    נערות ליווי בבת ים

  41. “I was excited to find this great site. I wanted to thank you for your time just for this fantastic read!! I definitely liked every part of it and I have you saved to fav to look at new information on your blog.”
    שירותי ליווי

  42. “May I just say what a comfort to find someone that really understands what they are discussing online. You definitely understand how to bring a problem to light and make it important. A lot more people have to read this and understand this side of your story. I can’t believe you’re not more popular because you definitely possess the gift.”
    נערות ליווי בתל אביב

  43. I’m very happy to read this. This is the kind of manual that needs to be given and not the random misinformation that is at the other blogs. Appreciate your sharing this best doc.

  44. My spouse and I stumbled over here coming from a different web address and thought I might check things out.
    I like what I see so now i am following you. Look forward to looking into your web page for a second time.

  45. I have been surfing on-line greater than 3 hours as of late,
    yet I by no means found any fascinating article like yours.

    It is pretty value sufficient for me. In my opinion, if all site owners and
    bloggers made just right content as you probably did, the web will probably
    be much more helpful than ever before.

  46. “May I just say what a relief to uncover someone who genuinely knows what they’re talking about on the net. You certainly understand how to bring an issue to light and make it important. More and more people really need to look at this and understand this side of your story. I was surprised that you aren’t more popular since you definitely possess the gift.”
    נערות ליווי בחיפה

  47. Tһanks for a marvеlous posting! I truly enjoyed reading it, you mаy Ƅe a great author.
    I will remеmberг to bookmarк youjr bⅼog and wіll often come back
    down the road. I want to encourage continue your
    great work, have a nice evening!

    Ϝeel frree to visit my homеpage; pay day lending

  48. Hi there very nice site!! Guy .. Excellent ..
    Wonderful .. I will bookmark your website and take
    the feeds also? I’m satisfied to search out numerous useful
    information right here within the post, we need work out more strategies in this regard,
    thank you for sharing. . . . . .