{"id":1157,"date":"2022-09-30T13:30:10","date_gmt":"2022-09-30T10:30:10","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1157"},"modified":"2022-09-30T13:30:12","modified_gmt":"2022-09-30T10:30:12","slug":"trenduri-in-piata-financiara-din-sua-in-2022","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/trenduri-in-piata-financiara-din-sua-in-2022\/","title":{"rendered":"Trenduri \u00een pia\u021ba financiar\u0103 din SUA \u00een 2022"},"content":{"rendered":"
\"\"
Sursa foto: pexels.com<\/a><\/figcaption><\/figure>\n

Cifrele colectate de FED<\/a> (Federal Reserve System a Statelor Unite ale Americii), arat\u0103 c\u0103 cererea pentru credite \u00een r\u00e2ndul americanilor este \u00een continu\u0103 cre\u0219tere, ace\u0219tia orient\u00e2ndu-se \u00een special c\u0103tre finan\u021b\u0103ri pentru nevoi personale sau din zona comercial\u0103 \u0219i industrial\u0103.<\/p>\n

\u00cen acest context, datele Well Fargo estimeaz\u0103 c\u0103 marile b\u0103nci din SUA vor ob\u021bine cele mai mari venituri din anii 80\u2019 p\u00e2n\u0103 \u00een prezent, realizate din cre\u0219terea dob\u00e2nzilor \u00een perioada 2022-2024.<\/p>\n

Cre\u0219terea acestor dob\u00e2nzi este cauzat\u0103 de reglement\u0103rile FED, impuse \u00een \u00eencercarea de a preg\u0103ti economia SUA pentru o poten\u021bial\u0103 recesiune.<\/p>\n

Anali\u0219tii se a\u0219teapt\u0103 ca veniturile ob\u021binute din dob\u00e2nzi s\u0103 creasc\u0103 \u00een al doilea trimestru al anului pentru b\u0103nci precum JP Morgan Chase, Bank of America \u0219i Citigroup. Mike Mayo, analist Wells Fargo, sus\u021bine c\u0103 acest lucru indic\u0103 revenirea la un context normal al dob\u00e2nzilor, comparativ cu ultima decad\u0103, perioad\u0103 \u00een care dob\u00e2nzile s-au aflat \u00een general aproape de zero.<\/p>\n

B\u0103ncile tind s\u0103 beneficieze de pe urma cre\u0219terii ratelor dob\u00e2nzilor, deoarece reu\u0219esc s\u0103 majoreze comisioanele pentru \u00eemprumuturi mai rapid dec\u00e2t efectueaz\u0103 pl\u0103\u021bile pentru depozite. Mike Mayo estimeaz\u0103 c\u0103 rata de cre\u0219tere a venitului net din dob\u00e2nzi \u00een perioada 2022 – 2024 va fi cea mai mare din 1980 p\u00e2n\u0103 \u00een prezent, deoarece FED continu\u0103 s\u0103 creasc\u0103 dob\u00e2nzile de referin\u021b\u0103 \u00een acest an pentru a combate infla\u021bia<\/a>.<\/p>\n

Cererea de credite este, de asemenea, \u00een cre\u0219tere, \u00een special \u00een ceea ce prive\u0219te creditele comerciale, cele industriale \u0219i cardurile de credit, potrivit datelor FED.
JP Morgan a fost prima banc\u0103 care \u015fi-a dezv\u0103luit c\u00e2\u0219tigurile, pe 14 iulie. Aceasta a fost urmat\u0103 de Citigroup, \u00een ziua urm\u0103toare, \u0219i de Bank of America pe 18 iulie. Morgan Stanley \u0219i Goldman Sachs, ale c\u0103ror activit\u0103\u021bi pivoteaz\u0103 mai mult c\u0103tre investi\u021bii \u0219i trading, au raportat c\u00e2\u0219tigurile pe 14 \u0219i respectiv 18 iulie.<\/p>\n

\u00cens\u0103, \u00een timp ce b\u0103ncile au de c\u00e2\u0219tigat de pe urma cre\u0219terii dob\u00e2nzilor, viteza cu care FED cre\u0219te dob\u00e2nzile de referin\u021b\u0103 alimenteaz\u0103 \u00eengrijor\u0103rile privind o recesiune \u00een SUA \u00een urm\u0103toarele 18 luni.<\/p>\n

M\u0103suri pe care b\u0103ncile din SUA le vor lua \u00een cazul unei recesiuni<\/h2>\n

Ac\u021biunile b\u0103ncilor sunt, de regul\u0103, printre cele mai grav afectate \u00een timpul recesiunilor. A\u0219adar, anali\u0219tii anticipeaz\u0103 c\u0103 acestea vor reac\u021biona la perspectivele economice \u00eengrijor\u0103toare prin alocarea de mai mult capital pentru a se preg\u0103ti pentru situa\u021bia \u00een care num\u0103rul \u00eemprumuturilor scade.<\/p>\n

P\u00e2n\u0103 acum, b\u0103ncile din SUA s-au bucurat de creditori de calitate, deoarece multe companii \u0219i retaileri au \u00eenc\u0103 fonduri primite prin programele de stimulare din timpul pandemiei de coronavirus. \u00cens\u0103 lucrurile s-ar putea schimba rapid.<\/p>\n

Provizionarea mai proactiv\u0103 privind pierderile din \u00eemprumuturi este o func\u021bionalitate a contabilit\u0103\u021bii moderne, cunoscut\u0103 sub numele de \u201epierderi curente a\u0219teptate din credite\u201d, care a intrat \u00een vigoare \u00een 2020.<\/p>\n

Riscul \u00een cre\u0219tere de recesiune \u00een SUA vine pe fondul \u00eencetinirii activit\u0103\u021bilor bancare de investi\u021bii, \u00een special pe pie\u021bele de capital.<\/p>\n

\u00cen medie, se a\u0219teapt\u0103 ca JP Morgan, Bank of America, Citigroup, Goldman \u0219i Morgan Stanley s\u0103 raporteze o sc\u0103dere anual\u0103 de aproape 40% a taxelor din investi\u021bii bancare, potrivit estim\u0103rilor Bloomberg. \u00cen acest context, anali\u015ftii estimeaz\u0103 c\u0103 veniturile totale ale acestor b\u0103nci vor sc\u0103dea \u00een medie cu aproximativ 4,6%.<\/p>\n

De asemenea, este a\u0219teptat ca acest trend s\u0103 se reflecte \u0219i pe pie\u021bele financiare volatile.<\/p>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Descoper\u0103 \u00een articol care sunt trendurile care vor afecta pia\u021ba financiar\u0103 din SUA \u00een 2022 \u0219i care sunt previziunile anali\u0219tilor asupra pie\u021bei care, a\u0219a cum am putut observa \u00een trecut, poate influen\u021ba economia la nivel global.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1157","post","type-post","status-publish","format-standard","hentry","category-stiri-financiare"],"yoast_head":"\nTrenduri \u00een pia\u021ba financiar\u0103 din SUA \u00een 2022 - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 trendurile \u00een pia\u021ba financiar\u0103 din SUA \u00een 2022 \u0219i care sunt previziunile anali\u0219tilor asupra pie\u021bei care poate crea un efect de bumerang \u00een \u00eentreaga lume.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/trenduri-in-piata-financiara-din-sua-in-2022\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trenduri \u00een pia\u021ba financiar\u0103 din SUA \u00een 2022 - 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