Moneta; banche; inflazione
La moneta è una roba un filo delicata.
Ha tre funzioni:
– mezzo di pagamento e scambio
– riserva di valore
– unità di conto
La moneta è solo in minima parte cartacea, cioè emessa dalla zecca, in massima parte è moneta bancaria, cioè creata e fatta circolare dalle banche.
Per questo motivo le banche,sono si imprese, ma hanno delle legislazioni particolari che tendono a evitare dissesti, appunto perché un dissesto di una grande banca provoca problemi su un elemento fondamentale, la moneta , di uno Stato o come in Europa di un continente, in caso di problemi interviene Bce ( Trlto )
Le banche hanno un soggetto regolatore Bce e un soggetto che le ispeziona Eba.
In Italia i depositi bancari dei correntisti ammontano a circa 1130 miliardi di euro.
Gli italiani per carenze di competenza detengono una parte esagerata di liquidità rispetto al totale degli investimenti mobiliari.
Le banche al 31 dicembre 2022 remuneravano in media questa liquidità con un tasso di interesse medio pari allo 0,12% questo accadeva perché nei precedenti anni eravamo andati in deflazione e i tassi erano negativi, per cui sopra certi importi circa 500.000 euro o in alcuni casi anche meno la remunerazione dei c.c era negativa cioè toglievano dei soldi.
La ripresa dell’inflazione è stata molto rapida e avviata con Covid e guerra.
Inflazione 2021 pari a 4%
Inflazione 2022 pari a 12%
Inflazione 2023 pari a 6%
In questi tre anni la ” riserva di valore ” della moneta Euro nei c.c degli italiani è diminuita in termini reali del 20% circa 226 miliardi di euro. Il tasso medio di remunerazione dello 0,12 % al 31 dicembre 2022, nel caso ce ne fosse bisogno, chiarisce le politiche di remunerazione dei depositi adottato dalle banche.
Questo valore si è trasferito dagli italiani alle banche, in quanto i depositi per le banche sono ” debito ” che si è svalutato in termini reali della cifra sopra riportata e i loro crediti cioè i prestiti per quanto riguarda i tassi, essendo questa una parte del loro lavoro , sono stati attentamente monitorati e mantenuti in territorio reale positivo.
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