??µ??????a ?at??????? p?a?s??? e??d??ast???? s?µß?ßasµ?? ??a ?pe???e?µ??e? µ?????, µesa?e? ?a? µe???e? ep??e???se??...p?? ?a a?t?µet?p??e? s??????? ta ???? se t??pe?e?, ??µ?s?? ?a? asfa??st??? taµe?a, p??ß??pe? t? p?????µ?s??d?? se ?,t? af??? ta ??????a ep??e???µat??? d??e?a, s?µf??a µe ste???? t?? ?p????e??? ??????µ?a?.
?p?? e?????? st? ???? e?asfa???eta? ? ?s? ?a? d??a?? µeta?e???s? µ????? ?a? µe????? ?fe??et??.
? ??ß????s? ?a e?????e? ??a t?? ßas???? a???? t?? e?????? ß??s?µ?t?ta? ?a? ??a ta e??a?e?a a?ad??????s??, µe ???µ??a t?? e????a?s? t?? ep??e???se??, t?? a?t??e?µe???? a???????s? t?? ß??s?µ?t?ta? t??? ?a? t?? a???p?ep? d?aß??s? t?? e?e??e??? epa??e?µat???.
??????ta? ta ßas???te?a s?µe?a t?? p?????µ?s?ed??? p?? af????? st? ???µ?s? t?? ???????? da?e???, s?µe?????? ?t? ? µ??a??sµ?? a?ad??????s?? ?a e??a? t?t???? ?ste ?a ap???e?e? t??? «strategic defaulters» ?a? ?a ep??e?t???eta? st? d??s?s? t?? ????? ep??e???se??.
?? ???µ?se?? t?? ??µ?? ???d?a ?????? sta t??? ??????? ?a? af????? µ????? ep??e???se?? µe t???? ??? 2,5 e?at. e???. ? p?a?t??? efa?µ??? t?? ??e? de??e? ?t? µ?a s?µf???a ?e??a??? ?????µat?? µeta?? ?fe???t? ?a? p?st?t?? e??a? d?s???? ?a ep?te???e?.
?? ?p????e?? ???p?? e?et??e? t?? ep??tas? t?? ped??? efa?µ???? t?? ??µ?? t?? ??ta?? se a?t?? t?? s?????? t?? ep??e???se?? ?a? t?? pa??tas? t?? efa?µ???? t?? p???e?µ???? ?a d?e?????????? ??e? ?? ep??e???se?? ?a? ?a ???µ?s??? ta ???? t??? µe t? d?µ??????a t?? p??a?afe??µe??? µ??a??sµ?? a?t??e?µe????? ???s?? t?? ß??s?µ?t?ta? ?a? e?e??es?? f??µ???a? e????a?s?? ???? t?? ßeßa??µ???? ep??e???se??.
St? ped?? t?? ????t??d?t?s?? ??ta??? st??? p??a?afe??µe???? µ??a??sµ??? e?et??eta? ? apa??a?? ap? t?? f??? e?s?d?µat?? ?s?? ep??e???se?? ?a? epa??e?µat??? ?fe????ta? ap? d?a??af?? ??e??. O? ta t??a, ? ?f??e?a ap? d?a??af? t? d?a??af? ??e?? f??????e?t? ?? e?s?d?µa ?a? ?ta? ??’ a?t? t?? ???? ?ta? ap?t?ept??? ??a t??? da?e????pte?.
??a?s?? p??stas?a? ??a ta d??e?a p?? ?a µetaß?ßast???
????? ta t??? ??????? ?a ?p???e? ße?t??s? t?? ??d??a ?e??t?????a? t?? t?ape??? ??a ?a a?t?µet?p?st??? ?e?? ?a? ad??aµ?e?, ?ste ?a ?ataste? p??s?t?? ?a? ?e?t????????, st?? ?ate????s? t?? e??s??s?? t?? p??stas?a? p?? p??sf??e? se ?s??? ????? p?a?µat??? a?????.
?e t?? ??e? ???µ?se?? st???? e??a? ?a µ?? ?p???e? ?aµ?a ??s?ast??? d?af???, ??a ta d??e?a p?? ?a µetaß?ßast??? se funds ?a??? t? p?a?s?? p??stas?a? e??a? t? ?d?? µe a?t? p?? ?s??e? ??a t?? t??pe?e?, e?? de? ?a ?e???te?e?e? ? ??s? t?? da?e????pt?.
?p?? s?µe?????? ta ?d?a ste???? st? ????, ?? µ? t?ape????? eta??e?e? st?? ?p??e? ?a d?a?e??????ta? d??e?a ?a ?e?t??????? e?t?? a?st???? ???µ?st???? p?a?s???. ?p???e????ta? ?a ade??d?t???ta? ?a? ?a ep?pte???ta? ap? t?? ?t?.
? d?ad??as?a ade??d?t?s?? a?t?? t?? eta??e??? ?a ?p??ete? t?? a??? t?? d?af??e?a? st?? ta?t?t?ta t?? µet????, µe ???t???a d?ap?ste?t???a t?? ?a??? t??? f?µ??, t?? eµpe???a? ?a? t?? ??a??t?ta?. Ta ??????ta? ep?s?? ?? a?a??t???? d??se?? t?? st?at?????? t?? eta?????, t?? ep??e???s?a??? p????? ?a? t?? µe??d?????a? d?e?d???s?? t?? da?e??? (µe ?µfas? st?? a?ad??????s?) ?.?. ?p?t??p? t?? a?µ?d??? ?p????e??? ?a ???µ?d?te? ep? t?? a?t?se?? ade??d?t?s?? ?a? t? µ?t??? t?? ade??d?t??µe??? ?a d?µ?s?e?eta? st? site t?? ?t?.
Se pe??pt?s? pa?aß?as?? t?? a?st???? ???? p?? t??e?ta? ? ?t? d??ata? ?a afa??e? t?? ?de?a ap? t?? e? ???? eta??e?e?.
G?a t?? e??p???t?s? t?? a???t?s?? t?? ß??s?µ?t?ta? t?? ßeßa??µ???? eta??e??? p??ß??peta? ?t? ?? eta??e?e? d?a?e???s?? ?a ????? t? d??at?t?ta ??????s?? ???? da?e??? µe ap???e?st??? s??p? t?? a?a???µat?d?t?s? t?? da?e??? t??? ? t?? a?ad??????s? t?? da?e????pt??a? ep??e???s?? d???µe? e??? s???e???µ????, aµ??ßa?a ap?de?t?? s?ed??? a?ad??????s??.
?p???aµµ??eta? ap? t? ?p????e?? ?t? ???? ?? ?a???e? p??stas?a? ?ata?a??t?, ? ??d??a? ?e??t?????a? t?? t?ape???, ?? e????e? dap??e? d?aß??s?? ??a t?? ?a????sµ? t?? d?se?? µe ß?s? t?? p?a?µat??? d??at?t?ta ap?p????µ??, ? a?aµ??f?µ???? ??µ?? ??a ta ?pe???e?µ??a ?????????? (??µ?? ?ats???) ?.?p. ?? ?p???? ?s????? ??a t?? t??pe?e?, ?a ?s????? ?a? ??a a?t?? t?? eta??e?e?.
S?µe???eta? ?t? ta µ? p?st?t??? ?d??µata p?? ?a ap??t?s??? d??e?a ?a e??a? ?? p?? ?a ed?e???? st?? ????da ? p?? ?a ????? ?d?a st?? ????pa??? ??????µ??? ????. ?s?? af??? t??? ap??t??te? d??e?a ap? t??te? ???e? de? ?a ????? ?d?a:
- se ???t?? p?? ??e? p????µ?a?? f????????? ?a?est??
- se µ? s??e???s?µ? ???t??
??µ?????e?ta? ??a e??? ???t?? ???µ???s?? ?a? ?p?st?????? ?a?e????pt?? µe 30 ???t?a se ??? t? ???a. ? e??µ???s? ?a? ??µ???/??????µ??? s?µß???e?t??? ?p?st????? t?? da?e????pt?? (???????????, epa??e?µat??? ?a? µ????? ?a? µ????µesa??? ep??e???se??) ??a ??t?µata ??e?? ?a? ?e????te?a ???µat???????µ???? d?a?e???s?? ap?te?e? ?d?a?te?a s?µa?t??? ?p??es?a ??a t??? as?e??ste????, p?? s?????? ????? e???p? e??µ???s?, µ?sa e?p??s?p?s?? ?a? ad??aµ?a p??sßas?? se e?e?d??e?µ??e? ?p??es?e?. ?at? s???pe?a ? s???e???µ???? p????a? t?? st?at?????? st? ???µat???????µ??? s?st?µa ap?te?e? ?a? e??a?e?? ?s??s?? ?????????? p???t????.
???µ?, e?e???p??e?ta? t? ep???e?µa t?? d?a?e???st?? afe??e???t?ta?, ??t? ap? ??a a?st??? p?a?s?? ?e?t?????a?, p?? ?a s??d??µ??? ?a? ?a µes??aß??? st?? a?t?µet?p?s? t?? p??ß??µ?t?? ?pe?????s??.
S?st??eta? ??d??? G?aµµate?a ??a?e???s?? ?d??t???? ??????, p?? ?a epe?e????eta? ta ded?µ??a ?a? ?a p??te??e? ße?t??t???? pa?eµß?se?? p??? t? ??ße???t??? S?µß????? ??a?e???s?? ?d??t???? ??????, t? ?p??? epa?e?e???p??e?ta? µe ??s?ast???? a?µ?d??t?te?. ? ??d??? G?aµµate?a ?a ???e?ta? st?? ?ate????s? t?? e??p???t?s?? t?? s?µfe???t?? t?? da?e????pt? ?a??t?:
- ?a µe??µ?? ??a t?? ?µa?? ?e?t?????a t?? d??t??? e??µ???s?? ?a? ?p?st?????? da?e????pt?? ?a? s??t????e? t? ?e?t?????a t?? ???t??? ???µ???s?? - ?p?st?????? ?a?e????pt??.
- ?a s??t????e? t? ???? t?? eµp?e??µe??? ??at???? f????? ?a? ?p??es???, ?p?? ta s??a?µ?d?a ?p????e?a ?a? ? ??e???t?t? ???? «S???????? t?? ?ata?a??t?» ?a? ?a s?µµet??e? sta a?µ?d?a ???a?a t?? ????pa???? ???s?? ??a ???e ??t?µa p?? af??? st? d?a?e???s? t?? ?eµ?t?? a?µ?d??t?t?? t??.
- ?a a?apt??e? ?a? ?a d?a?e????eta? ??a ????????µ??? ?????f???a?? S?st?µa ??a?e???s?? ?d??t???? ??????, t? ?p??? pe???aµß??e? ??a ta a?a??a?a st???e?a ??a t?? ?p?ß??? a?t?µ?t??, t?? p????aµµat?sµ? ?a? t?? epe?e??as?a t???
- ?a s?ed???e? p?????µµata p????f???s?? ?a? e?a?s??t?p???s?? t?? e?d?afe??µe??? f????? ?a? t?? ?????? ??a ??µata a?µ?d??t?t?? t?? ?a? p?????s?? t?? s?µµet?????? d?ad??as???
?? e??p??et??µe?a d??e?a
?pe???µ??eta? ?t? µe t? ??a ??µ??es?a, ?p?? ep?s?µa????? ap? t? ?p????e?? ??????µ?a? «? s?µf???a p?? ???p??e?ta? p??state?e? t?? p???s? se funds, ??a t? 94% t?? s?????? t?? ste?ast???? ???????? da?e??? p??t?? ?at????a? µe a?t??e?µe???? a??a ??? 140.000 e???. ? e?a??es? ap? t?? p???s? se funds ?a ?s??se? ??a µetaßat??? pe???d? 18 µ????, ?a af??? d??e?a p?? s??d???ta? µe t?? p??t? ?at????a a?e?a?t?t?? ?at?????a?, d??ad? ??? µ??? ta ste?ast??? d??e?a a??? ?a? ta ?ata?a??t??? d??e?a, ta ep?s?e?ast???, ta d??e?a e?e??e??? epa??e?µat???».
???µa, se ?t? af??? ta µ? e??p??et??µe?a d??e?a p?? de? eµp?pt??? st?? p??????µe?? ?at?????a, p??ß??peta? , p??? t? µetaß?ßas? t?? µ? e??p??et??µe??? da?e???, ?? t??pe?e? ?a p??pe? -?? a?a??a?a p???p??es?- ?a ????? ???e? p??sfat? eµpe??stat?µ??? ?a? ??s?ast??? p??tas? ???µ?s?? st??? da?e????pte?, e?? ?fe????? ?a ep?de??????? a???µ??? e?a?s??s?a ??a t?? e?pa?e?? ?µ?de? ?a? t?? p??stas?a t?? ?ata?a??t?. ???e ???? e?d???a? apa?t?se?? ?fe??e? ?a e????e? e? ???? t? ??ad??as?a ?p???s?? ?pa?t?se?? (???) t?? ??d??a ?e??t?????a? µe t?? p?????e? p?? a?t? ??e?.
?????, µe t?? t??p?p???s? t?? ?.?ats??? ??a ta ?pe???e?µ??a ?????????? ??e? e?asfa??ste? ? ??ta?? st?? p??state?t???? ???µ?se?? t?? ??µ?? ??a pe??p?? t? 65% t?? da?e????pt??. ????sta ??a t?? p?? ad??aµe? ??????µ??? pe??pt?se?? p??ß??peta? ? e??s??s? t??? ap? t? ??µ?s?? ?ste ?a µp????? ?a a?tap???????? st?? d?se??. ???µa ?a? st?? pe??pt?s? µetaß?ßas?? t?? da?e??? se µ?-t?ape???? eta??e?a, ? p??stas?a pa?aµ??e?...