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Crisis y Crédito en Gipuzkoa. MONEDAS LOCALES, AHORRO Y CONSUMO (Es) LOCAL CURRENCIES, SAVINGS AND CONSUMPTION (Es) TOKIKO MONETAK, AURREZKIA ETA KONTSUMOA (Es)

Crisis y Crédito en Gipuzkoa. MONEDAS LOCALES, AHORRO Y CONSUMO (Es) LOCAL CURRENCIES, SAVINGS AND CONSUMPTION (Es) TOKIKO MONETAK, AURREZKIA ETA KONTSUMOA (Es)

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Published by EKAI Center
Crisis y Crédito en Gipuzkoa. MONEDAS LOCALES, AHORRO Y CONSUMO (Es) LOCAL CURRENCIES, SAVINGS AND CONSUMPTION (Es) TOKIKO MONETAK, AURREZKIA ETA KONTSUMOA (Es)
Crisis y Crédito en Gipuzkoa. MONEDAS LOCALES, AHORRO Y CONSUMO (Es) LOCAL CURRENCIES, SAVINGS AND CONSUMPTION (Es) TOKIKO MONETAK, AURREZKIA ETA KONTSUMOA (Es)

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Published by: EKAI Center on Jan 07, 2014
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03/13/2014

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Fs f Qkremja \fpcr, mt gkcs jkt rcnbcht fjy mjstmtutmkjfb pksmtmkj kr kpmjmkj jcmtocr kn CEFM Hcjtcr, jkr kn mts spkjskrs kr suppkrtmja cjtmtmcs. CEFM Hcjtcr scces tk gk iusmjcss wmto hk`pfjmcs kr akvcrj`cjts hkvcrcg mj mts rcpkrts. Ycfgcrs sokubg ic fwfrc toft wc `fy ofvc f hkjnbmht kn mjtcrcst toft hkubg fnncht toc kidchtmvmty kn toms rcpkrt. Mjvcstkrs sokubg hkjsmgcr toms rcpkrt fs kjby f smjabc nfhtkr mj `femja tocmr mjvcst`cjt gchmsmkj.
 
AFYFMF MJJK^FWMKJ HCJWCY, AKMYS 6,F9 @KJGYFAKJ WCB4 =7893<6<7 ^MWKYMF-AFXWCMT >8=>76731 BCECMWMK >131<61?3 GSYFJAK >???6=39< C-@FMB4 mjnkLcefmhcjtcr.cu nfhcikke.hk`/CEFMHcjtrc shrmig.hk`/CEFMHcjtcr
 
 
Qkremja \fpcr
 
> gc cjcrk gc 9<68
 
Hrmsms y Hrígmtk cj Ampuzekf @KJCGFX BKHFBCX,  FOKYYK ] HKJXS@K
Hrmsms fjg Hrcgmt mj Ampuzekf BKHFB HSYYCJHMCX, XF^MJAX FJG HKJXS@\WMKJ Ermsmf ctf Ercgmtuf Ampuzekfj WKEMEK @KJCWFE,  FSYYCTEMF CWF EKJWXS@KF
 
 
Fs f Qkremja \fpcr, mt gkcs jkt rcnbcht fjy mjstmtutmkjfb pksmtmkj kr kpmjmkj jcmtocr kn CEFM Hcjtcr, jkr kn mts spkjskrs kr suppkrtmja cjtmtmcs. CEFM Hcjtcr scces tk gk iusmjcss wmto hk`pfjmcs kr akvcrj`cjts hkvcrcg mj mts rcpkrts. Ycfgcrs sokubg ic fwfrc toft wc `fy ofvc f hkjnbmht kn mjtcrcst toft hkubg fnncht toc kidchtmvmty kn toms rcpkrt. Mjvcstkrs sokubg hkjsmgcr toms rcpkrt fs kjby f smjabc nfhtkr mj `femja tocmr mjvcst`cjt gchmsmkj.
 
AFYFMF MJJK^FWMKJ HCJWCY, AKMYS 6,F9 @KJGYFAKJ WCB4 =7893<6<7 ^MWKYMF-AFXWCMT >8=>76731 BCECMWMK >131<61?3 GSYFJAK >???6=39< C-@FMB4 mjnkLcefmhcjtcr.cu nfhcikke.hk`/CEFMHcjtrc shrmig.hk`/CEFMHcjtcr
 
 
Hrmsms y Hrígmtk cj Ampuzekf @KJCGFX BKHFBCX, FOKYYK ] HKJXS@K
6.
 
Sj cbc`cjtk hk`pbc`cjtfrmk m`pbfjtfgk cj fbaujfs `kjcgfs bkhfbcs, hk`k cb rchmcjtc CEOM, rfgmhf cj bf pcjfbmzfhmøj gc cstfs `kjcgfs f trfvís gc su prkpmf futkrrcaubfhmøj, pcjfbmzfhmøj gcstmjfgf f mjhcjtmvfr bf ræpmgf utmbmzfhmøj gc bfs `ms`fs. Cstc tmpk gc `cgmgfs tmcjcj su krmacj cj bfs tckràfs gc bf bmirc chkjk`àf gcb fbc`æj-fracjtmjk Xmbvmk Acsscb, quc prkpuajfif bf hrcfhmøj gc `kjcgfs fbtcrjftmvfs quc fscaurfrfj quc cb gmjcrk sc hkjnmaurf hk`k uj mjstru`cjtk gc mjtcrhf`imk `æs quc hk`k uj mjstru`cjtk gc fokrrk. Cstc kidctmvk sc bkarf imcj cstfibchmcjgk ujf gurfhmøj tc`pkrfb`cjtc bm`mtfgf gc bf `kjcgf k imcj pcjfbmzfjgk su jk gmspksmhmøj hkj uj gcshucjtk quc, cj cb hfsk gcb CEOM, fshmcjgc f uj 9% trm`cstrfb.
9.
 
Cb cnchtk chkjø`mhk gmrchtk `æs hbfrk gc cstc `chfjms`k gc hfguhmgfg cs, smj gugf, cb gc mjhcjtmvfr cb hkjsu`k nrcjtc fb fokrrk. Cj jucstrk cjtkrjk sc ofj suhcgmgk bfs prkpucstfs gcstmjfgfs f utmbmzfr bf mjhcjtmvfhmøj gcb hkjsu`k
 ‘ 
hkj hfrak fb afstk pôibmhk- hk`k uj nmj cj sà `ms`k gcjtrk gc bfs pkbàtmhfs fjtm-hrmsms. Xmj c`ifrak, cj cb hfsk gc cstfs `kjcgfs bkhfbcs, jk sc prctcjgc nk`cjtfr cb hkjsu`k f hkstf gcb afstk pôibmhk smjk f trfvís gc bf pcjfbmzfhmøj gmrchtf gcb fokrrk.
8.
 
Gcsgc cb pujtk gc vmstf gc bfs pkbàtmhfs fjtm-hrmsms, cs `æs quc gugksk quc
 ‘ 
cj jucstrk hkjtcxtk- cb nk`cjtk gcb hkjsu`k scf cj sà `ms`k pksmtmvk. Bk `æs prkifibc cs quc bk vcrgfgcrf`cjtc jchcsfrmk pfrf cb hkjdujtk gc bfs chkjk`àfs khhmgcjtfbcs, gcsgc cb pujtk gc vmstf gc bks oæimtks gc hkjsu`k y fokrrk gc bf pkibfhmøj, scf cb m`pubsk gcb fokrrk pkr pfrtc gc bfs nf`mbmfs y c`prcsfs yf cjgcugfgfs. Cstk cs, cb gcstmjk gc bf rcjtf gmspkjmibc f bf rcguhhmøj gc bks jmvcbcs gc skirc-cjgcugf`mcjtk fhu`ubfgks. Bfs nf`mbmfs y c`prcsfs skirc-cjgcugfgfs jk gcicj fu`cjtfr su hkjsu`k smjk rcfbmzfr bks csnucrzks pksmibcs pfrf rcguhmr su jmvcb gc cjgcugf`mcjtk.
7.
 
Cb scaujgk nujgf`cjtk hkjhcptufb gc cstks `chfjms`ks gc pcjfbmzfhmøj gcb fokrrk rfgmhf cj bf hrccjhmf gc quc gfr ujf `fykr vcbkhmgfg gc hmrhubfhmøj fb gmjcrk sc hkjsmgcrf uj cqumvfbcjtc f bf hrcfhmøj gc gmjcrk. Bf hfguhmgfg k pcjfbmzfhmøj gc bf tcjcjhmf gc `kjcgf m`pbmhf, bøamhf`cjtc, gfr `fykr vcbkhmgfg f su hmrhubfhmøj y, scaôj bfs tckràfs gc Xmbvmk Acsscb, cstfràf`ks fsà m`pubsfjgk bf fhtmvmgfg chkjø`mhf.
3.
 
Xmj c`ifrak, bk hmcrtk cs quc
 ‘ 
hk`k bf prkpmf bøamhf jks gmhc- cb mjhrc`cjtk gc bf hfjtmgfg gc gmjcrk gc bf chkjk`àf jk hrcf rmquczf pkr sà `ms`k. Fb maufb quc suhcgc hkj bf c`msmøj gc gmjcrk pkr bks ifjhks hcjtrfbcs, cb mjhrc`cjtk gc bf kncrtf k gc bf vcbkhmgfg gc hmrhubfhmøj tmcjc mjhmgcjhmf ofimtufb`cjtc cj bf gmstrmiuhmøj gc bf rmquczf y cj bf fsmajfhmøj gc bf `ms`f f ujks u ktrks facjtcs y f ujks u ktrks nmjcs. Xm mjtrkguhm`ks `cgmgfs quc, cj cb hkjdujtk gc bf chkjk`àf, tmcjgcj f mjhrc`cjtfr cb hkjsu`k y gms`mjumr cb fokrrk y bf mjvcrsmøj, cbbk pucgc scr pksmtmvk k jcaftmvk scaôj bks cjtkrjks y scaôj bfs hkyujturfs.
>.
 
Cj cstc scjtmgk, CEFM Hcjtcr of gcncjgmgk trfgmhmkjfb`cjtc bf utmbmzfhmøj gc bf hrcfhmøj gc gmjcrk f trfvís gc `chfjms`ks gc hrígmtk pôibmhk quc hkjhcjtrcj rchursks cj csnucrzks hkbchtmvks gc cqumpf`mcjtk, mjnrfcstruhturfs, tchjkbkaàf y cqumpk prkguhtmvk. \crk mjhrc`cjtfr cb vkbu`cj gc gmjcrk gc bf chkjk`àf
gc hufbqumcr nkr`f
 y smj tcjcr cj hucjtf bks facjtcs pôibmhks k prmvfgks quc ofhcj usk gc cstc mjhrc`cjtk cs `æs quc gugksk quc gcif hkjsmgcrfrsc pksmtmvk. Bfs fhtufbcs pkbàtmhfs gc cxpfjsmøj `kjctfrmf jks gc`ucstrfj ofstf quí pujtk cstc tmpk gc cstrftcamfs pucgcj scr cxhcbcjtcs pfrf cb schtkr icjcnmhmfrmk gc bfs `ms`fs
 ‘ 
cj cstc hfsk, bf arfj ifjhf- c mjcnmhmcjtcs k hbfrf`cjtc jcaftmvfs pfrf cb hkjdujtk gc bf chkjk`àf. Gfr `æs vcbkhmgfg f bf hmrhubfhmøj gcb gmjcrk cj `fjks gc bks hmugfgfjks jk acjcrf `æs rcjtf pfrf

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