In passato il risparmio finanziava attività concrete, aziende, produzione e posti di lavoro, oggi s’investe sul nulla, sull’andamento di un tasso d’interesse o sui debiti della gente
di MAURO DAVID
I am referring to the decade in between '75 and 85, a time when the banking system still held predominantly healthy function of intermediation, channeling savings into productive activities collected in this country.
few tools available to the investor: savings, stocks, bonds of large institutions, at most a few "repo" for wealthy clients.
short, a haven of stability and certainty: the saving of households contributed to the growth of the industrial system by funding initiatives business, while the Bank of Italy strictly guarded balances preventing all forms of territorial expansion. Fat cow for bankers, who prospered, protected from any competition, crystallized in the advantageous position and the golden age for banks. The latter, favored by "sliding scale anomalous" that swelled the payroll, accounted for the largest category envy, and no budget to get a little stress and few skills required, mostly accounting-executive.
First there was the Bank, then arrived in Italy competition.
In 1975 the Bank Italy launched its policy of liberalization. With the third floor doors the distribution network of the Italian banking system expanded by more than 45% (between 1990 and 1995). It was not long that even the foreign banks made their entrance into Italy.
competition quickly became hot. Born in the central offices specialized in the design and sale of new products. Slowly marketing, recurring theme in the industry, began to creep in the bank.
was in the late 80s and still remember my friend Maurizio Buonomo, marketing manager of the Association Italian Banking associations efforts to provide the necessary tools to tackle the new course, seminars, conferences and publications.
who, like myself, took care of business communication was forced to run for cover new project assistance for training of staff (other unknown activity in the bank): customer orientation, sales psychology, products and services .... everything in the shade of the great American guru Philip Kotler, pioneer of social marketing.
a period filled with changes in the lexicon which also underwent its own transformation: Member bank became "customer" , mentre l’impiegato si trasformò in una “risorsa umana”. Il lavoro svolto in termini di comunicazione, affinché la risorsa umana abbandonasse la tradizionale cultura della “quadratura di cassa”, per assurgere al ruolo più nobile di facilitatore della soddisfazione dei bisogni del cliente , è testimoniato dai programmi di formazione che giacciono nei polverosi archivi delle banche.
La fidelizzazione del cliente era lo scopo autentico e sincero, ma il raggiungimento di questo traguardo era subordinato alla capacità dell’operatore bancario di individuare e dare soddisfazione ai bisogni concreti of his interlocutor, the manipulation of information, for the sale, was banned from our interventions. And not only an ethical but also because they strongly believe that a customer "ripped off" would not have been a loyal customer.
Today is a different story. The landscape of products is vast and sometimes unknown bank operator who has only a superficial knowledge. It 's so that the investor is to invest directly or indirectly in futures in financial futures in currency futures, derivatives, etc. .
What are they? The customer knows what makes his money? Yeah, sure ... there are prospectuses that must be delivered before signing the contract, but those who have the skills to understand the information provided?
But history is also different to the attitude of the banks. Shareholders obsessed with profit, not adequately trained staff, on the verge of collapse psycho-physical for the ambitious sales targets that are assigned. Human Resources confused pressures, threats, and incentive awards. I have attended training courses in team building experiences were proposed fakir, lie down on the windows or walk on fire, I saw eyed of those who agreed to engage in extreme activities. Rare cases of training of human resources? Probably yes, but there is also this.
This morning I heard on the radio the intervention of a bank employee that he expressed his concern at the imminent meeting with some clients: "have lost everything, now what do I say?" . How will he explain that prompted them to invest in an American family, economically battered and free health care? a bet.
Over the years, the ant becomes a cicada. Yes, because in the past been funded savings attività concrete, aziende, produzione e posti di lavoro, oggi s’investe sul nulla, sull’andamento di un tasso d’interesse o sui debiti della gente; il private banking è ormai un’attività da “sala bingo” in cui l’avidità detta le sue leggi. Regole peraltro condivise da tutti i giocatori: dal venditore che, pur di raggiungere il budget, camminerebbe sulle braci; dall’investitore che disprezza la sicurezza dei BOT per abbracciare l’effimera promessa di un guadagno maggiore.
Chi è più mariuolo? Chi cerca un Rolex autentico ad un prezzo da bancarella o chi rifila la patacca?
Prima c'era la banca, poi la concorrenza ed infine la TV berlusconiana
Il Papa ha detto: “I soldi scompaiono, solo la parola di Dio è solida”. Se sostituiamo la parola “Dio” con “etica dell’esistenza” e “senso della realtà”, per una volta, sono d’accordo con lui. La formica diventa cicala quando è sistematicamente influenzata dai media che propongono modelli esistenziali riprovevoli, sia sul piano etico che su quello “pratico”. Troppa passerella di gente insignificante, priva dello spessore e delle autentiche competenze legate al fare, al costruire. Troppi guadagni facili esibiti.
Referring to the entertainment industry, how much it costs to build a series Rai Island of the Famous? 
Poor educational intervention, so that the ant becomes a cicada. The family with an income of 2 / 3000 € per month, with a time-saving and "down to earth", now goes around with the SUV and despise the BOT (I'm not in the page), it is believed wealthy. The cicada modern ICI also supported the cut for the rich but not rich. E 'in favor of private school thinking of chasing excellence, but ignores that it will probably end in the hands of some incompetent "nun". Without the revenue from ICI, Alemanno has suspended funding to some schools, and talk hairdressing.
Now the cicada does not know how to pay the installments, is frightened by the financial crisis does not even have the chance to learn the craft of hairdressing, and soon will be confused because he will not even recognize how social class. But do not worry, we will think of the Social Card Tremonti, health care and schooling for the poor to indicate the assigned seat.
Grants collapse, Berlusconi buys a new house on the lake, the bank employee did not know what to say to its customers. Maybe it's just the beginning ... too
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