Cgia: Risk wear is assuming ever more worrisome to … – Caserta News

Cgia: Risk wear is assuming ever more worrisome to … – Caserta News

 ECONOMY
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– The warning is the secretary of the CGIA, Giuseppe Bortolussi: “Following the sharp contraction in lending practiced by banks to households and businesses, there is the danger that the wear, especially in the South, to assume alarming proportions. ” Between the end of 2011 and the same period of 2013, tells the Research Office of the CGIA, the decline in bank lending to households and businesses was almost 100 billion euro: namely 97.2 billion. If the former have undergone a contraction of 9.6 billion (- 1.9%), the latter recorded a drop equal to some 87.6 billion euro (-8.8%). “In addition to the effects of the economic crisis and the decline in demand for credit – goes Bortolussi – this dell’erogato strong reduction was also due to the strong increase in non-performing loans in June of this year hit a record $ 168 billion of EUR “.
In the face of a progressive growth of the credit crunch occurred in recent years, the CGIA notes that the risk of wear is present mainly in the southern regions. An analysis of the index produced for over 15 years by studies of the CGIA, it appears that in 2013, Campania, Calabria, Abruzzo, Puglia and Sicily are the reality where the “penetration” of this dramatic phenomenon has reached the highest levels. “Basically – goes Bortolussi – with strong credit crunch and rising unemployment, which have helped to reduce the levels of income especially in the South, there is a danger that the wear is already present in these territories extent greater than elsewhere, take dimensions even more disturbing. “
The figures above the” credit crunch “have been developed by the Office of the CGIA studies on data from the Bank of Italy. The index of the risk of usury, however, has been calculated by comparing some indicators related regionalised 2013: such as unemployment, bankruptcies, protests, the interest rates charged, allegations of extortion and usury, the number of branches bank and the ratio of non-performing loans recorded in credit institutions. In practice, this index has been identified through the statistical combination of all those situations that are potentially favorable to the spread of “loan sharking.” “With the sun complaints made to the Judicial Authority – said Bortolussi – you can not size the usury: reports, unfortunately, are still very few.’s Why we cross the results of up to 8 sub-indicators attempt to measure more loyalty with this emergency. What few people know is the reasons why many people fall into the arms of loan sharks. Apart from the ongoing crisis, it is mainly the tax deadlines to push many small business owners in the grip of usurers. For the unemployed or employed , however, are the financial problems that emerge after a short illness, bad injuries or as a result of important family events such as a wedding or a christening. “
Returning to the methodology of calculation of this index, it is clear that in areas where there ‘is more unemployment, high interest rates, the greater the suffering, few bank branches and many protests, the situation is definitely at risk. Well, compared to a national average indicator equal to 100, the most critical situation is in Campania: the index of the risk of usury is equal to 164.3 (64.3% more than the average Italian), in Calabria 146.6 (46.6% more than the national average), in Abruzzo stops at 144.6 (44.6% more than the average Italian), in Puglia to 139.4 (39.4% more than the national average) and in Sicily the level reaches 136.2 (36.2% more than the average Italian.) While the reality less “exposed” to this phenomenon is the Trentino Alto Adige, with an index of risk wear 51.8 (48.2 percentage points less than the national average). The situation of the other two regions of the Northeast is quite reassuring: Friuli Venezia Giulia, with 72.2 points, and the Veneto, with 73.1 points, are placed respectively at the third-last and second-last place in the national ranking of the risk wear.
The closure of credit made by banks amounted to 100 billion euro in the last two years, is the main obstacle to economic recovery in Italy. The Codacons says, commenting on the data of the CGIA Mestre. Just the behavior of lenders who have closed their purse strings to businesses and households, has played a key role in the crisis that hit the country – said the association – The continuing closure of the credit has brought thousands and thousands of companies to fail, causing heavy damage to families. To allow the economic recovery is necessary that the banks come back to do their job: to grant loans to individuals and businesses. In this sense – says the president of Codacons, Carlo Rienzi – the government should consider measures to encourage lending institutions, punishing the fiscal those banks that unreasonably refuse loans, preferring to keep their availability in the resources allocated to them.