شفا آنلاین>بیمه و بانک>چرا بدهکاران بانک ها و موسسات مالی و اعتباری که این روزها در هر محفلی صحبت از آنها تسهیلات خود را بازپرداخت نمی کنند؟
به گزارش
شفا آنلاین، این روزها در هر محفل و همایش بانکی،
اقتصادی و قضایی صحبت از بدهکاران بانکی و تسهیلات های میلیاردی است که
گرفته اند اما پرداخت نمی کنند.
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)
این سوال مطرح می شود که چرا
بدهکاران بانکی تسهیلات که دریافت کرده اند و در قبال آن وثیقه هایی را ه
بانک داده اند را پرداخت نمی کنند و حاضر به تسویه تسهیلات دریافتی نیستند؟
یکی از عمده دلایل بوجود آوردن این رانت و فساد تسهیلاتی را می توان در نرخ های تورم گاها بالا در سال های اخیر دانست.
به
طوری که در اواخر دولت اصلاحات نرخ تورم به حدود ۱۰ درصد رسید و به طبع آن
نرخ تسهیلات اعطایی نیز کمی بالاتر از این نرخ یعنی بین ۱۲ تا ۱۴ درصد
بود.
این در حالی است که معمولا تولید کنندگان و تجار با توجه به
نیاز و حمایت هایی دولتی که معمولا در همه دولت ها از آنها می شود تسهیلات
را با نرخ هایی کمتر از ۱۲ و ۱۴ درصد نیز دریافت کرده اند.
تسهیلات
دریافتی سنگین نیز معمولا این گونه است که تنفسی چند ساله به تسهیلات
گیرنده داده می شود تا بتواند ثمره تسهیلات دریافتی را ببیند و سپس پول
بانک را پس بدهد.
حال تصور کنید تسهیلاتی ۱۰ یا ۱۲ درصدی دریافت
کرده اید و پس از چند سال که قصد بازپرداخت تسهیلات را دارید نرخ های
تسهیلات به ۲۸ و ۳۰ درصد رسیده است، به نظر شما معقول ترین تصمیم چیست؟
در
این هنگام است که تسهیلات گیرنده از بی ثباتی در اقتصاد سوءاستفاده کرده و
تصمیم می گیرد به جای بازپرداخت تسهیلات دریافتی جریمه وجه التزام به بانک
پرداخت کند.
در وجه التزام نیز معمولا نرخ جریمه ۶ و یا کمی بیشتر ازسوی بانک در نظر گرفته می شود.
بنابراین
تسهیلات گیرنده بجای دریافت تسهیلات جدید ۳۰ درصدی تصمیم می گیرد همچنان
جریمه دیرکرد ۶ درصدی تسهیلات ۱۲ درصد که مجموع آن نهایتا به ۱۸ دصد می رسد
را تداوم بخشد.
البته به نظر می رسد با توجه به کاهش نرخ تورم و به
طبع آن کاهش نرخ تسهیلات در سال های آینده بدهکاران بانکی تصمیم بگیرند
تسهیلات دریافتی پیشین خود را تسویه تا تسهیلات ارزان قیمت امروزی را
دریافت کنند.