作者： bankr

La cuarentena por el coronavirus castiga fuertemente a los adultos mayores para cobrar la pensión: deben hacer colas hasta de 72 horas a las puertas de las agencias bancarias.

“El sistema de flexibilización 7×7 ha empeorado las condiciones de los pensionados que, además de la larga espera frente a los bancos, solo les dan en la taquilla de 50.000 a 150.000 bolivares”, denunció Luis Cano, coordinador del Frente Amplio de Defensa de los Jubilados, Pensionados y Sobrevivientes, (Ufajub). 

El dirigente destacó que muchos adultos mayores no tienen tarjeta electrónica y se ven obligados a cobrar  la pensión en la taquilla del banco.

Informó que preparan para el próximo miércoles una protesta de calle -cumpliendo el protocolo sanitario- en Caracas para exigir la cancelación completa, de una vez, de la pensión (400.000 bolívares menduales) y del recién instaurado bono de guerra de 500.000 bolívares para los registrados en la página patria.

El representante de Ufajub explicó que desde hace años los bancos no tienen la suficiente provisión de plástico, por lo que la entrega de las tarjetas de débito a los ancianos no es la prioridad.

Marcos Álvarez,  directivo del Sindicato de Trabajadores Bancarios (Asitrabanca), refirió que debido al COVID-19 la atención al cliente y por taquilla en las agencias bancarias ha colapsado mucho más, ya que no todas las oficinas  están abiertas durante la semana de flexibilización de la cuarentena. 

Álvarez señaló que la insuficiencia para atender al público ya tiene varios años, debido al cierre de muchas oficinas y cajeros electrónicos. “El número de agencias disponibles en el pais se redujo de más de 2.000 a 180 en la actualidad. Los cajeros disminuyeron de más de 6.000 a 1.200 por falta de repuestos y obsolescencia tecnológica”.

El sindicalista apoya que se les pague a los pensionados la totalidad de la pensión y el bono y de una vez. 
“Los inconvenientes de los pensionados lo viven todos los venezolanos que necesitan sacar dinero para algo tan esencial como el pasaje. Los usuarios también padecen la suspension del servicio en los bancos por la caída de la línea electrónica y los apagones”, dijo.

Aseguró que la entrega de las remesas de efectivo es mayor para los bancos del Estado que para los privados. Esto explica que agencias públicas den 100.000 o 150.000 bolívares en taquilla y los privados 50.000.

中国面临史诗级楼市泡沫难题：规模达52万亿美元
疫情之下，由于担心其他投资会受到全球经济放缓的影响，许多客户将更多资金投入中国楼市以求避险，经济学家称由此产生的资产泡沫目前已超过本世纪头10年美国楼市的泡沫。

（吉隆坡15日讯）投资吉隆坡机构（Invest KL）与中国建设银行推介的商业对商业（B2B）智能撮合共享平台“全球撮合家”，将可协助用户寻找和匹配产品供应商或购买者。

“全球撮合家”是由投资吉隆坡机构总执行长莫哈末阿兹米和中国建设银行（马）有限公司总执行长封奇一起推介。

借中国网络 推东盟业务

莫哈末阿兹米说，“全球撮合家”让该机构可应用中国建设银行的完善网络，接触更多欲在东盟扩展业务的中资公司。

“我们很荣幸成为第一个受邀的政府机构。这项合作机会将令机构与更多中国公司进行合作，特别是从事数字和工业4.0 计划的公司。”

封奇也是中国建设银行纳闽分行行长，他在文告中，全球银行业格局正在发生变化，科技使所有人都能使用金融服务。

“‘全球撮合家’符合我们向消费者、企业和政府提供‘超越银行’服务的战略愿景。

“全球撮合家”企业智能撮合综合服务平台版权为中国建设银行股份有限公司持有，可协助平台用户寻找和匹配产品供应商或购买者。”

中国建设银行作为服务第三方，将打通线上与线下、境内与境外、系统内与外的对接渠道，为资金与资源需求双方提供智能撮合方案。

受新冠病毒导致的经济恶化影响，显示收入之中用于储蓄的比例的储蓄率在发达国家出现居高不下的迹象。美国的储蓄率继创出历史最高的4月之后，5月达到23.2％，处于历史性的高水平，日本4~6月预计创出时隔20年的高水平。尽管各国政府采取支撑收入的举措，但个人消费正面临未来隐忧。

美国商务部的统计显示，美国5月储蓄率为23.2％。虽然较创出历史新高的4月（32.2％）有所下降，但仍是自1959年启动统计以后的第2高水平。到新冠疫情严重化之前的2月为止储蓄率稳定在8％左右，目前明显很高。

5月美国各州放宽外出限制，经济活动逐步重启，由于避免外出的反向影响，“报复性消费”也趋于活跃。个人消费支出（经季节性因素调整后）4月环比减少12.6％，但5月转为增长8.2％，创出了历史最高增长率。不过，在政府的失业保险补助金等支撑个人收入的背景下，消费的复苏仍在途中，储蓄率也持续处在高位。

消费下滑

欧洲的储蓄率也在快速上升。据SMBC日兴证券统计，德国1~3月的储蓄率达到逾12％，创出约17年来的高水平。消费下滑程度超过收入减少程度。

日本由内阁府根据国内生产总值（GDP）统计而推算了家庭的储蓄率。最近的公开数据为2019年10~12月的6.6％。日本经济研究中心的估算显示，2020年1~3月的储蓄率为8.1％，4~6月为8.9％，达到约20年来的高水平。

根本的格局与美国相似。人均10万日元（约合人民币6530元）补助金等日本政府的经济对策支撑收入，但消费低迷。

焦点是各国全面重启经济活动之后的趋势。目前的储蓄率提高可以说是正在积累家庭收支用于消费的余力。如果像美国那样维持消费复苏，储蓄率有可能下降。

实际上，感染再次扩大的风险正在提高，经济前景的不确定性突出。如果全面的需求复苏需要较长时间，储蓄率也将居高不下。很多经济学家认为“在疫苗问世之前，人员移动将受到抑制，以服务领域为中心，消费会持续低迷”。

对失业感到不安

在美国，越来越多观点认为失业率要经过很长时间才能恢复至危机前的水平无法消除对失业和收入减少的不安，也成为消费者捂紧钱包的原因。

德国证券的首席经济学家小山贤太郎预测称，日本的储蓄率在4~6月迅速上升至18％水平之后，2021年也将徘徊在10~11％这一高于疫情前的水平。大规模经济刺激对策导致公共债务进一步膨胀，“出于对将来增税的担忧，家庭的预备性储蓄将增加”。

在新冠疫情后，企业也开始控制非必要非紧急的支出。即使政府最大限度地动用财政，注入资金，如果民间部门将钱存在手里，经济增长力也不会提高。日本银行（央行）总裁黑田东彦表示，由于疫情长期化，“企业和家庭的增长预期下降，（投资和消费等的）支出态度或趋于慎重”，将这一点列为经济的下行风险。

如果民间维持储蓄过剩的状态，自然利息率（不会引起经济加速和减速的中性利率水平）将下降。德国证券的小山表示，“央行难以摆脱低利率政策的‘日本化’将在欧美扩大”。为了避免经济、物价和利率陷入停滞的“低温经济”进一步加重，有必要重新调整经济政策。

• To reboot the economy, China’s central bank has increased the amount of money available to banks to lend, a portion of which has been funnelled into real estate
• Regulators are increasingly concerned about rising debt among businesses and households, as well as a rebound in off-balance sheet lending

Chinese regulators have warned of heightened risks of an asset bubble in portions of the country’s rapidly growing property market, as efforts to free up credit to support the coronavirus-stricken economy have been diverted into real estate.
Regulators are increasingly concerned about rising leverage in the corporate and household sectors, as well as a rebound in shadow banking – informal, off-balance sheet lending by banks and other financial institutions – to fund inappropriate activities in the stock and real estate markets.
In the past few months, the China Banking and Insurance Regulatory Commission (CBIRC) has stepped up reprimands of banks for not complying with regulations on property-related lending.
“Some disorder has returned to the markets. Some high-risk shadow banking activities have been revived, and some have attempted to make a comeback in new forms and new features,” said the CBIRC in a July 11 notice.
“The leverage ratio of enterprises, households and other sectors have risen. Some funds flew into the stock and property markets violating guidelines, driving up asset bubbles.”
Last month, CBIRC fined the Hangzhou branch of Agricultural Bank of China 600,000 yuan (US$86,000) after the state-owned bank offered consumer loans that could be used to buy property.
The Ningbo branch of Bank of China, another large state-owned bank, was fined for 900,000 yuan for “illegal provision of financing for real estate companies, and allowing personal credit funds to flow into the housing market, violating regulations”, according to a notice published by the commission on July 9. The CBIRC also ordered disciplinary action against a Bank of China employee who it said was responsible for breaking the rules.
As part of its effort to boost growth, China’s central bank has significantly increased the amount of money available to banks to lend, a portion of which has been funnelled into one of the world’s hottest real estate markets.

Some industry observers have questioned the future of bank branches in light of the pandemic, as customers grow accustomed to digital channels and banks rethink the viability of brick and mortar amid a recession.

The number of bank branches in the U.S. has dwindled in the past decade. Full-service bank branches declined 12% between 2010 and 2019 — from 95,000 to 83,000, according to a Quartz analysis of Federal Deposit Insurance Corp. (FDIC) data.

Despite the pandemic, Brooks said the OCC is not prepared to let banks skirt existing regulations when it comes to closing branches.

“I think the idea of, ‘We’ll just go ahead and let branches abandon our cities’ — I think we’d regret that on the back end of this,” he told the Financial Times.

Banks regulated by the OCC must give the agency 90 days’ notice of plans to shut down branches, including a rationale for the decision.

While the regulator plans to continue holding banks to certain standards, it has acknowledged the hardships institutions face as businesses across the country close their doors, and has called attention to the potential negative impacts of lockdowns.

In a June letter to the leaders of the National League of Cities, the U.S. Conference of Mayors and the National Association of Governors, Brooks urged local governments to consider the adverse impact state-ordered coronavirus lockdowns have on the U.S banking system.

Prolonged lockdowns could impose several negative consequences on banks and borrowers, including mass loan delinquencies and a decrease in banking services in low- or moderate-income areas, among others, Brooks said.

“Such high delinquency rates have the potential to threaten the community and midsize banks that are the economic lifeblood of local communities, a factor that your members should take into account in weighing the risks and benefits of lengthy continued lockdown orders,” he said.

In a semiannual report, released late last month, the regulator said financial institutions are beginning to see the adverse credit effects of the economic shock brought on by the pandemic through increased customer forbearance requests and higher provisions for loan losses.

“Credit losses in particular coupled with overhead expenses and lower net interest income because of monetary policy in response to COVID-19 will place some drag on financial performance of our banks,” Brooks said. “We expect that the resiliency of credit portfolios, which were very strong before the pandemic will be tested going forward.”

The regulator also said compliance risk at banks is elevated due to a combination of government economic recovery programs — such as the CARES Act and the Paycheck Protection Program — and the increased number of employees working from home.

The FDIC is working with federal and state banking agencies, as well as, financial institutions to consider all reasonable and prudent steps to assist customers in communities affected by the Coronavirus (COVID-19). In addition, the agency is monitoring information issued by international and U.S. health organizations. Regulatory agencies have encouraged financial institutions to work with customers impacted by the Coronavirus. Customers experiencing difficulties beyond their control should work directly with their financial institutions.

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