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Bibbia dell'Investitore (Volume 5)

Bibbia dell'Investitore (Volume 5)

          
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International Edition


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About the Book

Con la parola "spread" si dà ormai per scontato che il riferimento sia alla differenza di rendimento tra il BTP italiano e il Bund tedesco.
Lo spread è misurato in punti base ed è, in pratica, il gap tra i tassi sui titoli pubblici di due paesi presi in esame. Per il calcolo dello spread BTP-Bund vengono presi a riferimento i titoli di Stato con scadenza decennale.
Ogni punto base equivale allo 0,01%.
In realtà, cos'è veramente lo spread, quali sono le conseguenze di un suo aumento, o diminuzione, come si misura in termini reali, quali conseguenze comporta un innalzamento o un abbassamento e, soprattutto, perché ogni variazione dello spread provoca tanto allarmismo.
Tutte risposte che sono dettagliatamente spiegate nel presente volume.

Il mutuo è una delle forme di finanziamento più diffuse.
Per le sue caratteristiche finanziarie viene, in genere, impiegato per effettuare l'acquisto o la ristrutturazione della casa di proprietà. Con il mutuo, la banca trasferisce una certa quantità di denaro al richiedente che, da parte sua, è tenuto alla restituzione dell'importo concesso (capitale erogato) e al pagamento di interessi da calcolare sulla base di un parametro finanziario (tasso di interesse). L'adempimento avviene in modo graduale nel tempo (durata del mutuo), attraverso versamenti periodici (le rate), la cui cadenza può variare da mensile ad annuale.

La crisi finanziaria dei mutui subprime ha avuto inizio negli Stati Uniti nel 2006. All'origine della crisi, l'erogazione di mutui a clienti che non fornivano sufficienti garanzie e che in condizioni normali non li avrebbero ottenuti. Per definire un mutuo come subprime il sistema americano si basa su un punteggio di credito che classifica tutti i debitori in una scala compresa tra 300 e 850 punti. Negli Stati Uniti tutti coloro che hanno un punteggio di credito inferiore a 620 sono definiti dei debitori subprime.
Mediante una procedura di cartolarizzazione, il rischio di credito associato ai mutui subprime è stato trasferito ai mercati finanziari globali e, quindi, anche a investitori europei, scatenando una delle crisi più gravi e intense degli ultimi anni.


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Product Details
  • ISBN-13: 9782372974783
  • Publisher: Amazon Digital Services LLC - Kdp
  • Publisher Imprint: R.E.I. Editions
  • Height: 244 mm
  • No of Pages: 314
  • Spine Width: 17 mm
  • Width: 170 mm
  • ISBN-10: 2372974785
  • Publisher Date: 02 Jan 2023
  • Binding: Paperback
  • Language: Italian
  • Returnable: Y
  • Weight: 503 gr


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