Il ginepraio subprime in Europa

BRUXELLES – Facciamo un passo indietro, nel 2007-2008, quando la crisi finanziaria veniva ancora chiamata crisi “subprime”. Allora gli europei si sentivano superiori agli Stati Uniti e i banchieri europei avevano l’accortezza di non dispensare i cosiddetti prestiti “NINJA” a persone senza reddito, senza lavoro, senza patrimonio (dall’inglese no income, no job, no assets). Di questi tempi, però, gli europei non devono crogiolarsi troppo. I loro leader sembrano incapaci di fare i conti con la crisi del debito dell’eurozona.

In Irlanda e in Spagna le banche si sono accorte che i clienti stanno perdendo lavoro e reddito a causa della bolla immobiliare che ha colpito le rispettive economie nazionali. E si potrebbe sostenere che un prestito al governo greco o portoghese dà maggiore sicurezza rispetto a un prestito NINJA. In effetti, i finanziamenti a governi e banche della periferia europea rappresentano l’equivalente europeo dei prestiti subprime statunitensi (anch’essi concentrati in alcuni stati nella costa del sole).

Considerate le numerose analogie tra le caratteristiche basilari delle due crisi, i leader europei potrebbero imparare molto dall’esperienza americana.

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