Generally speaking, only half of private deposits in the amount of 30,669 million dollars. The United States is borrowed, since foreign currency loans make up 16,295 million US dollars, since they can do this only for exporters who are levied to foreign currency.
The difference that is 14,374 million US dollars should have it in the center at a zero rate. For monetary power, this is important because these lace is added as reserves, albeit gross, but not clean.
For banks, this is an absolute loss. That is why they ask the regulator to invest these currencies in anything conservative, for example, the speed of the Fed, but they are in the BCRA account, in case they need them.
Negotiation
Thus, they can pay more for their passive rates, whether it is fixed in dollars, such as a savings box in dollars. Consequently, depositors may be tempted to receive dollars from the mattress and put them in the bank, as the government wishes. Or remove them from the safety box and avoid these expenses to put it even in balance, in order to have expenses instead, to have performance.
The National Bank, in fact, has just launched a savings box from July, paid in dollars, which gives 2.1% per year, remaining up to 10,000 US dollars, when the box for savings in dollars did not give: 0.05% per year.
The 30 -day fixed period in foreign currency increased to 2.5% per year for individuals by 2.75% per year for companies.
Debit dollars
In order to promote the use of dollars in a daily economy, the government comes with banks in order to start giving plans to quotas in dollars, debuting dollars. In this sense, banks work so that they can be fulfilled, although not with a credit or debit card, but taking into account money, so this is called planned moron.
“What they are working on is planning a PEB, nor in the expense. No payment on a credit card, no debt. The risk is assumed as a result of trade, not a financial institution. As in dollars in dollars, current rules allow you to provide dollars to those who have generated them that it has come since 2002, ”they will clarify in the sector.
Coins of confusion
Bankers, especially those who belong to foreign capital organizations, do not like the confusion of coins, because they note that this experience was not good.
“It is difficult for me to understand what a person wants to borrow in dollars. We do not want this credit risk. Individuals, wound in dollars who won peso. The fact that the currency fighter is complex. And when something happens, you are exposed. Judges bring you against or use the theory of general efforts. We already lived. “
“We give them dollars analyzing risks analyzing risks. We must also understand what is happening with the economy. It would seem that we are going in the years with a cheap dollar. This can work at the country’s level, since we will have a generation of dollars, but there may be more complex sectors for competitiveness in the microaller, ”they warn in national banks.
More expensive
They describe in detail that the dollars that non -exporters give are more expensive because they cannot come from deposits, which is their cheap financing, but must release them, and the costs are more: “The anchor costs 4 or 5 points through agreed obligations than deposits, so we transfer these costs to the client.”
Maximiliano Ramirez, the head of Lamba Consultores, warns that if they want to promote the use of dollars from the government, he must have some tax advantage, for example, reduction of VAT or, in the case of companies, reducing debit and loans.
