This sounds like a joke. Mario Draghi, with the usual "journalists" Mediaset warned to be careful to loan sharks. But we realize? The banks that we are warned to be careful? These not only rob people with derivatives, interest rates on overdrafts and loans in general have the courage to give us advice .... Read this it becomes even more laugh
Zopa is an international website that manages the Internet through the exchange of money between individuals in the form of small loans, known as "social lending" or social lending.
By decree of the Ministry of Economy and Finance, with input from the Bank of Italy, last July 10 has been withdrawn permission to act as financial intermediary, art. 106: is available in PDF format the decree of cancellation.
The reasoning is that Zopa would raise funds and brokerage payments not easy: because this inventory on behalf Zopa lenders or money waiting to be used in loans.
It must be said that the problem is not a disputed non-compliance of Zopa as a "formal defect" characteristic of social lending: the amount of money that the provider decides to provide will be used gradually, remaining so over time partially unused, gathering together other similar funds that do not generate costs or gains, but which constitute capital deposits.
The withdrawal was to work immediately disclosed to "Zopiani", is the home page of the site is a open letter . The immediate consequence was of course the suspension of new loans and the potential entry of new providers.
Zopa has however given full assurance that the existing loans will proceed regularly, with full protection for both the collection of installments: first a date either for the claim accrues, which will return in the hands of owners gradually with the return of monthly installments.
The social lending, Zopa work also was often criticized by economists and representatives of banking, which highlighted the risks incurred by the user who pays their money compared to small gains and not keeping with the channel traditional.
But recently the company's CEO, Maurizio Sella, had reported that the average earnings for those who had lent money stood above 7%, while the burden for those who obtained a loan is around 9.7% Both values are far from official rates obtained with canonical or investment - for those who need to borrow small sums - the rates charged by financial.
Source Zeusnews.it
These people are not healthy in mind and want us to believe that the fools we are. We arrived at the fruit, limoncello is missing "Berlusconi with his whores" and coffee "Tremonti" with its false reassurances from respectable. When this banquet you can also go to vomit.
