The global economy will continue at a moderate pace in 2011 , driven mainly by developing countries and emerging countries (Brazil, China, India) . An estimated growth for Italy, but lower than the European average. Particular emphasis should be placed in those countries of the Euro, which showed a greater difficulty because of excessive household debt and the problem job.
In this context, the market performance credit families over the next two years will continue to be influenced by the macroeconomic environment nationally and internationally. Italian families continue to be cautious and adverse to the high indebtedness. Moreover, Italian banks have been less affected by the financial crisis. It is estimated that by 2011 the use of funds return to grow moderately .
I calculator to consumer households should reach 60 billion euro, underpinned by interest rates that the next two years, although rising, remain low and the increase in the average amount of funding . Stable
also demand calculator that should position itself on the levels of 2010. Consumer credit should accelerate the levels of 2010. Discriminant be any government incentives (eg, cars, loans for the purchase of new cars that represent about 20% of total consumer credit).
The year 2011 will be affected by the new law of consumer credit, which dramatically alter the channels of the third networks. The law, as well as protection for consumers, aims to reduce and better manage credit risk.
One of the most significant is the change and rising requirements professional and sheets of financial intermediaries. We require a more professional and a high degree of consulting stakeholders in order to reduce the risk of bad debt of households.
primary role of the consultants will be to address and educate customers on choices and consistent with the economic portion, so as to increase the credit quality and therefore the offer.
[Source: Mondocasablog.com - Article written by Renato Landoni, President Kiron Partners Spa (Group Tecnocasa)]
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