La Moneta in Argentina

Un articolo sull'ondata di rapine in Argentina ai danni dei clienti che ritirano dalle cassette di sicurezza delle banche o dai conti correnti decine di migliaia di dollari in cash alla volta. La gente risparmia ad esempio per comprare casa e mette tutto in dollari in una cassetta di sicurezza, non pensano ad investimenti in reddito fisso, bot, fondi, ETF e simili sciocchezze, con l'inflazione al 15% (ma nessuno lo sa, Goldman Sachs stessa dice che è al 20% quella vera) e la paura di un altro sequestro dei conti correnti nascondono semplicemente dei dollari in una cassetta di sicurezza

Questo perchè
a) le tasse sarebbero altissime tipo 65% del reddito medio e tutti le evadono e
b) nessuno si fida del governo e delle banche dopo che nel 2001 anche chi aveva messo soldi in dollari si vide restituire pesos svalutati per legge del -70% di colpo

Per cui in Argentin la circolazione del denaro avviene largamente in contanti e non passa neppure per i conti correnti, usano i dollari tenuti in cassette di sicurezza e pagano anche le case in contanti

In Argentina la gente tiene i soldi non nel conto corrente ma in cassette di sicurezza dove deposita tutto il cash in nero che riceve, in dollari ovviamente e non pesos e poi rischia la vita quando li va a ritirare perchè la delinquenza ha spie in tutte le filiali che segnalano che ritira molti contanti e lo aspettano fuori

....."Of every 100 pesos you make, 65 you owe to the state through various taxes. That is why there is so much of this underground economy," said Ponciano Vivanco, a veteran notary in Buenos Aires who estimates that 90 percent of Buenos Aires' real estate is purchased in cash.
Argentina also taxes money transfers, check deposits and withdrawals and other routine banking transactions. Banks add their own fees and rules to discourage customers from using rival banks or credit cards.
"There are big Argentine companies that keep an important part of their management off the books. This also is common with small and medium enterprises. Anything you want to buy, you don't get an official receipt for it," economist Marcelo de Las Carreras said.
Still another factor that leads many Argentines to rely on cash is a mistrust of the country's currency.
Argentines can't forget the 2001 economic crisis that forced the government to devalue the peso, robbing most people of two-thirds or more of their wealth overnight. Banks were ordered to freeze deposits, and dollar-denominated savings could be withdrawn only in devalued pesos.
"Banks swindled us not long ago," Vivanco, the notary, said. "People who had their deposits in dollars were given back pesos and many lost 70 percent of their savings, and they blame the financial entities for this, even though the banks were just following the government's orders."
Many people avoid peso-denominated bank accounts, and convert their pesos into dollars that they stash in safe deposit boxes. Or they spend their cash on the likes of cars, appliances and apartments in hopes of protecting their wealth.
"The big money is kept in safe deposit boxes, not in bank accounts said Congressman Federico Pinedo, who is working on reforms that could make banking less expensive and bureaucratic... (*)

Fonte: www.cobraf.com
Link: http://www.cobraf.com/blog/default.php?idr=252587#252587
8.09.2010

(*) http://tinyurl.com/342khkc