Consultoria, aconselhamento e esclarecimento no Endividamento das Famílias e das Empresas não Financeiras. Consultadoria Estratégica Económica, Financeira e Bancária.
Indebteness Consultancy for Family's and Enterprises. General Banking, Economics and Financial Strategic Consultancy.
segunda-feira, 28 de dezembro de 2015
Los impagos en las compras a plazos bajan un 20,7% en el mes de Octubre El número de efectos de comercio comprados a plazos y devueltos por impago de familias y empresas bajó un 20,7% el pasado mes de octubre en relación a igual mes de 2014, hasta sumar 169.229.
De esta forma, la morosidad en los comercios encadenó en octubre 42 meses de descensos interanuales. El importe total de los efectos de comercio devueltos impagados bajó un 22,5% en el décimo mes del año, hasta los 228 millones de euros, mientras que el importe medio se situó en 1.346 euros, un 2,4% menos que en octubre de 2014.
El porcentaje de los efectos de comercio impagados sobre vencidos alcanzó el 1,8% en octubre de 2015, cuatro décimas inferior al registrado en el mismo mes del año anterior.
El importe medio de los efectos de comercio impagados (1.346 euros) fue menor que el importe medio de los efectos vencidos (1.789 euros) y pagados (1.800 euros).
En total, el número de efectos vencidos superó los 7 millones en el décimo mes del año, un 4,4% menos que en igual mes de 2014, y su importe fue de 12.570 millones de euros, un 4,2% menos en tasa interanual.
En tasa mensual (octubre sobre septiembre), el importe de los efectos vencidos bajó un 9,3%, mientras que el importe de los efectos impagados retrocedió un 22,2%, su mayor descenso en este mes en al menos cinco años.
Del importe total de efectos de comercio vencidos en octubre, el 67% son en cartera y el 33% en gestión de cobro de clientes. Asimismo, del importe total de efectos impagados, el 68,7% corresponden a efectos en cartera y el 31,3% a efectos en gestión.
En el mes de octubre, el 1,9% del importe de los efectos vencidos en cartera y el 1,7% de los efectos vencidos en gestión de cobro resultan impagados.
Endettement des ménages français : en hausse au 2e trimestre 2015
Au 2e trimestre 2015, le taux d'endettement des ménages français augmente de 0,3 point sur trois mois, à 85,5%. Il progresse de 0,6 point sur un an.
Le taux d'endettement des ménages correspond au rapport montant des crédits sur revenu disponible brut. Il est calculé trimestriellement par l'Insee notamment à partir des données de la Banque de France. De même que la dette de la France a augmenté de 127,5% depuis 2000, les ménages voient leur taux d'endettement s'envoler.
Average UK household to be £10,000 in debt by end of 2016 The average UK household will owe close to £10,000 in debts such as personal loans, credit cards and overdrafts by the end of 2016, which is a new high in cash terms, a report has found.
Total outstanding non-mortgage borrowing grew by nearly £20bn or 9% in 2014, to reach £239bn, marking the fastest rate of growth in a decade, according to the report from PwC.
It warned that people’s complacency over managing their debt may lead to a resurgence in bad debt.
The total amount of non-mortgage debt equated to nearly £9,000 per household last year, surpassing in cash terms its pre-financial crisis peak.
PwC projects unsecured borrowing will grow over the next two years by between 4% and 6% annually. This increase would leave the average UK household with non-mortgage borrowing of close to £10,000 by the end of 2016, taking consumers into uncharted territory in terms of borrowing levels, the report said.
Record low interest rates are helping to keep the cost of borrowing relatively affordable, but PwC warned that a 2% rise in interest rates on total household debt, including mortgages, would leave households needing to find an extra £1,000 a year just to cover the extra cost of interest.
A survey by PwC of about 2,000 Britons found there is a danger of complacency as people’s confidence in their ability to stay on top of their debts increases.
Fewer than one in five (18%) said they are worried about how they will make future repayments, down from 26% in 2013.
While just over a quarter (26%) of people expect their pay to be frozen or decreased in the next 12 months, this compares with nearly half (48%) of people who thought this in 2010, in the aftermath of the financial crisis.
But against the growing sense of optimism, PwC uncovered “warning signals”. For example, people aged between 35 and 44 are increasingly depending on credit to be able to afford essential items, with close to one in five people in this age group saying they borrow simply to make ends meet.
Of the £19.7bn increase in non-mortgage borrowing in 2014, nearly half of it, amounting to £9.1bn, came from student borrowing. PwC estimates that graduates who started university after 2012 could leave with an average debt of £40,000 to £50,000.
Around £4.2bn of last year’s increase came from credit cards, while £6.4bn came from personal loans and overdrafts and other sources such as payday loans and peer-to-peer loans.
The average credit card balance stood at £1,021 by the end of 2014, just £39 short in cash terms of its all-time high at the beginning of 2010.
PwC said people’s ability to remain in control of their debt will be challenged in the coming years, as the Bank of England base rate eventually starts to move off its historic 0.5% low. The total household debt to income ratio, including mortgage debt, is projected to reach around 172% by 2020 – surpassing its previous peak in the runup to the financial crisis.
Low levels of financial literacy, with many people routinely misunderstanding the true cost of debt, could put some people at particular risk, the report warned.
When presented with a number of options, just 21% of people it surveyed correctly understood the cost of a mortgage.
A relatively high degree of confidence among consumers about their ability to stay on top of their debts, [the] affordability of the UK’s household debt pile may come under pressure in the coming years.
As the total household to debt income ratio heads towards 172% – exceeding its previous peak in the runup to the financial crisis – and interest rates increase, consumers could begin to feel squeezed once again.
VARIAÇÕES
HOMÓLOGAS
HOMOLOGOUS CHANGE
Empréstimos
de Outras Instituições Financeiras Monetárias a Particulares
Loans
of Other Monetary Financial Institutions to Private Individuals
Milhões de Euros
Millions of Euros
Crédito
Concedido
Cobrança Duvidosa
Banking Credit
Installment Credit
Uncertain Collection
Habitação
OUT.14
102.513
2.586
Mortgage
OUT.15
99.340
-3,10%
2.569
-0,66%
Consumo
OUT.14
12.090
1.308
Consumption
OUT.15
11.929
-1,33%
1.261
-3,59%
Outros Fins
OUT.14
9.924
1.479
Another Finality
OUT.15
9.587
-3,40%
1.509
2,03%
Total
OUT.14
124.527
5.373
Total
OUT.15
120.857
-2,95%
5.339
-0,63%
Fonte:
Boletim Estatístico do Banco de Portugal
Source:
Portugal Central Bank
VARIAÇÕES
HOMÓLOGAS
HOMOLOGOUS CHANGE
Empréstimos de Outras Instituições
Financeiras Monetárias a Empresas Não Financeiras
Loans of Other Monetary Financial
Institutions to Non-Financial Corporations
Milhões de Euros
Millions of Euros
Crédito Concedido
Cobrança
Duvidosa
Installment
Credit
Uncertain Collection
OUT.14
92.630
13.075
OUT.15
83.314
-10,06%
13.535
3,52%
Fonte:
Boletim Estatístico do Banco de Portugal
Source:
Portugal Central Bank
sexta-feira, 18 de dezembro de 2015
CONSELHO CONSULTIVO - 18.DEZ ETV - Diário Económico (Author Participation)
