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Brangūs pinigai

Vienas iš dalykų, kurį paskatino esanti krizė, yra taupymas. Ankščiau dalį atlyginimo skirdavau taip pat taupymui - įsigydavai investicinių fondų. Deja, iš tų ’santaupų’ nedaug kas teliko, tad iš naujo atradau finansinį instrumentą vardu indėlis.

Kiek pamenu, 2004-07 metas niekas nelaikė pinigų indėliuose. Na, “niekas” yra aiškiai per stiprus žodis, nes indėlių tikrai buvo sudėta, tačiau tuo metu atrodė, jog laikantys pinigus yra tik pensininkai ir kiti finansų neišmanantys žmonės. Visi aplinkui investavo tik į vertybinius popierius ir nekilnojamą turtą. Palūkanos buvo tokios žemos, kad žmonės skolindavosi, siekdami išlaužti didesnę investicinę grąžą. Kaip dabar žinome, visa ši pasaka baigėsi ašaromis. Dažnai taip ir nutinka.

Dabar viskas pasikeitė. Bankai siūlo astronomines palūkanas už indėlius. Rimtame banke be problemu gali padėti indėlį litais už virš 10 procentų. Trumpalaikį. Jeigu esi stambios pinigų sumos turėtojas, pasiderėjęs gali gauti 11, net 12 procentų. Wow. Kodėl? Įspūdingai išaugęs VILIBORas. Bankai skolinasi ir skolina brangiau.

Antradienį prieš Kalėdas buvau Klaipėdoje, kur kartu su kolega iš FAA pravedėme seminarą apie krizę, jos poveikį verslui, kapitalo pritraukimo galimybes šiuo metu ir t.t. Buvo tikrai smagu, seminaro dalyviai aktyviai klausinėjo. Vienas iš klausimų buvo toks: “Kada kris VILIBOR?”

Visa laimė, jog paklaustas buvau ne aš, o mano kolega. Aš tikrai nebūčiau žinojęs, kaip suprognozuoti. O jis pateikė iš tiesų labai protingą, tačiau kartu ir neįtikėtinai paprastą bei logišką atsakymą: “Kol Lietuvos valstybė vidaus rinkoje skolinsis pinigus už 12.39%, tol VILIBORas nekris.”

Faktas kaip blynas - jeigu trumpuoju laikotarpiu tiek kainuoja pinigai valstybei, tai kiek jie turėtų kainuoti jūsų verslui?

Rodyk draugams

Komentarai (106)

  1. Dar blogiau del valstybes skolinimosi vidaus rinkoje…ne tik VILIBOR nekris bet ir verslas bus greiciau stumiamas i bankrota, mat uz tokias virs 10 proc. palukanas skolintis, kai pelno marza 4-5, na jei ir 7-8 procentai, tai verslui peilis po kaklu… Plius bankai neskolina nes rizika didele, o valstybei…GALIMA..nebankrutuos niekuomet!

  2. georgijus:

    man tik klausimas sioje vietoje kylo: ar butina buvo valstybei skolintis is svedijos banku uz 12%, kai buvo galima platinti taupimo lakstus su 10%??? turbut Nauseda Kubiliui and Co gera "otkata" pasiule… kaip tik tiek, kie ant tu 2,3 % iseina nuo pasiskolintos sumos…

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