Mancare de criza pt porci: perle!
Lucrez intr-o firma tertza. Domeniul de activitate… irelevant. Cert este ca e o munca usoara. Te plimbi mult cu masina, ajungi la client, ii faci instalarea fara sa te certi cu nimeni, pleci mai departe. Un job foarte usor. Probabil din acest motiv colegii mei sunt in marea majoritate niste manelari inculti (pleonasm cu scop de subliniere). De ce spun toate astea?
Aceasta asa zisa criza economica m-a prins intr-un tranzit intre Marea Britanie si Romania, si cum sunt o persoana pierduta mai des in carti decat in ziare, iar la televizor nu ma mai uit de pe vremea cand urmaream Cartoon Network, am fost luat total pe nepregatite. Terminand cu episodul UK, mi-a pregatit contul pe eJobs si am asteptat mailuri de reactualizare. Peste tot se cautau, si se cauta in continuare, programatori web si agenti comerciali ce-si iau salariul din comisionul din vanzari. Inteleg astfel ca unul din putinele domenii neatinse de criza este webdesign-ul. Totusi, am reusit sa-mi gasesc jobul asta simplu, relativ prost platit.
Dupa 2 saptamani de lucru in aceasta firma, am prins un moment de solitudine cu mintea intregii operatii: seful. M-am hotarat sa ies din starea mea de visare si sa-l intreb: Care este criza si prin ce se manifesta ea? Raspunsul a venit mai repede decat ma asteptam: o privire aroganta si un raset ce-mi amintea de Bill Clinton cand iesea castigator dintr-un conflict oarecare.
Totusi, o buna perioada mai tarziu, intra in firma un amic al sefului, venit in vizita. Pentru faptul ca majoritatea lumii era plecata pe teren si era suficient de liniste, mi-am permis sa trag cu urechea la discutia lor, sperand ca voi auzi de data asta ceva subiecte diferite de “cum i-am tras-o lu aia”, “am fost ieri in club”, “oare ce face Rapidu deseara”. Astfel am fost satisfacut cu un raspuns la intrebarea mea fals existentiala. Amicul sefului meu ii explica acestuia din urma, plin de pasiune.
“Falimentul marei banci americane a creat un curent de nesiguranta in randul sistemului bancar mondial. Astfel, pe plan local, ca sa zic asa, bancile noastre s-au oprit umpic din avantul lor zilnic si s-au apucat sa traga o linie. La finele cercetarii intreprinse au descoperit ca nu detin suficiente lichiditati. Mass-media urla de CRIZA. Daca, speriati de acest eveniment, 1% din clientii bancii se decit sa-si extraga banii depusi, banca ar da faliment. Banii reinvestiti de banca se afla in stare de alerta, din acelasi motiv: nesiguranta globala datorata de asa-zisa criza.
Ciclul e simplu. Firma X face incasari, in general incasarile se fac prin cont bancar. Banca primeste cereri de finantare, si le aproba din banii livrati de firma X. La firma X se apropie ziua de salariu. Sefu scoate bani din banca si-si plateste angajatii. Angajatii preiau banii si merg la banca sa-si plateasca ratele. Astfel, fara sa faca altceva decat o intermediere financiara cu dobanda, banca iese in castig, si zilnic isi extinde reteaua de clienti, iar suma VIRTUALA detinuta de banca creste.
Dar… dar. Banca e speriata, are nevoie de lichiditati. Decide ca nu-si doreste o crestere de profit pe perioada asta, iar stagnarea la cele 213 procente este mai mult decat suficienta. “De ce sa mai riscam?” Se decide sa se faca doar incasari, iar finantarile/refinantarile le trecem in stare de abstinenta. Persoana fizica Y nu mai obtine creditu sa-si cumpere frigideru/masina, sau sa-si finanteze cheful de ziua barbatului. Putin cu putin, pe plan national incasarile scad in ritm alert. Lumea se sperie, strange cureaua, se abtine de la riscuri, se inchide in sine. Si astfel, abea in acest moment, CRIZA EXISTA.
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Extremely interesting. I like the way you write. Do you currently have an RSS feed?
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I had issues with your website on my browser and had to refresh the page a couple of times…
I had issues with your website on my browser and had to refresh the page a couple of times…
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