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Return-Path: <bounces-697f3-info=financialandbusiness.com@bz.d.mailin.fr> Delivered-To: info@lareco.it Received: by mail.planetcloud-host.com (Postfix, from userid 99) id 0AA26144FB; Tue, 28 Apr 2026 20:32:09 +0200 (CEST) Authentication-Results: mail.planetcloud-host.com; dkim=pass (1024-bit key) header.d=sendinblue.com header.i=@sendinblue.com header.b="uvWWYI9u" X-Spam-Checker-Version: SpamAssassin 3.4.0 (2014-02-07) on mail.planetcloud-host.com X-Spam-Level: X-Spam-Status: No, score=-0.0 required=5.0 tests=DKIMWL_WL_MED,DKIM_SIGNED, DKIM_VALID,HTML_MESSAGE,LOTS_OF_MONEY,RCVD_IN_DNSWL_BLOCKED,RCVD_IN_MSPIKE_H2, SPF_HELO_PASS,SPF_PASS,URIBL_BLOCKED autolearn=disabled version=3.4.0 Received-SPF: Pass (sender SPF authorized) identity=mailfrom; client-ip=185.41.28.126; helo=bz.d.mailin.fr; envelope-from=bounces-697f3-info=financialandbusiness.com@bz.d.mailin.fr; receiver=info@lareco.it Received: from bz.d.mailin.fr (bz.d.mailin.fr [185.41.28.126]) (using TLSv1.2 with cipher ECDHE-RSA-AES128-GCM-SHA256 (128/128 bits)) (No client certificate requested) by mail.planetcloud-host.com (Postfix) with ESMTPS id 4083D14485 for <info@lareco.it>; Tue, 28 Apr 2026 20:31:36 +0200 (CEST) DKIM-Signature: a=rsa-sha256; bh=86FBDHcElrx5vP3LnsLEqF0ceappjGhXLMFXWjNAWdE=; c=relaxed/relaxed; d=sendinblue.com; h=to:cc:from:reply-to:subject:date:mime-version:content-type:list-id:list-unsubscribe:x-csa-complaints:list-unsubscribe-post:message-id:sender:x-sib-id:x-mailin-client:x-mailin-campaign:feedback-id:bimi-selector; q=dns/txt; s=mail; t=1777401095; v=1; b=uvWWYI9ufvHIITE3eMGdiGueOB/Weixu1eoNwObBB9vDnLjPV5tMRGESzjqNgo8jrgk6V+2J XvJO/yBCX5+rXCqGAunp5SegizFFP9O/qpzYT26KYqB2kIDKRKYLQ+0B2FrvxkUTgz0eJ/tOXoZ 2gOlaQQ68s8WTFyqLCCfcV7I= To: <info@lareco.it> Subject: Bce: peggiore stretta del credito dal 2023, previsto calo anche nel II trimestre Content-Type: multipart/alternative; boundary="-------?=_81135-1315274028485" Date: Tue, 28 Apr 2026 18:31:35 +0000 Feedback-ID: 185.41.28.126:3628693_137:3628693:Sendinblue From: FB Financial & Business Srl <info@financialandbusiness.com> List-Id: MzYyODY5My04NTQtNA== <MzYyODY5My04NTQtNA==.list-id.mailin.fr> List-Unsubscribe: <mailto:unsubscribe@bz.d.mailin.fr?subject=unsub-1tzbqsuctofj&body=1tzbqsuctofj>,<https://697f3.r.a.d.sendibm1.com/mk/un/li/sh/6rqJ8GqndAnmOuvY1FB6MSqorB5/qNmQEaovgQka> List-Unsubscribe-Post: List-Unsubscribe=One-Click MIME-Version: 1.0 Message-Id: <202628041831.1tzbqsuctofj@bz.d.mailin.fr> Reply-To: <info@financialandbusiness.com> X-Csa-Complaints: csa-complaints@eco.de X-Mailer: Sendinblue X-Mailin-Campaign: 137 X-Mailin-Client: 3628693 X-sib-id: ZXhyfIPbbOb814TYpNkoqV4iSXIqqaG9y3c_4yh3Rmn9x4ZHDgRQR13S7xG9vFsAnsy1S4vM4SHP0z9pgapf0HUF6cRk9Hl1Qky-HHA2N5cNkyqHl9qvXdxVnkcj4zH2hwGR__KczaRFQ8GeTyZqTULk215kjxExR90D2q_IOI47-S6naSWv2QKn5bc3UPfcf0MK-SYo63m23X1JU20E6uTt1dsCTz9VB-dyfO4 ---------?=_81135-1315274028485 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset=UTF-8 Bce: peggiore stretta del credito dal 2023, previsto calo anche nel II trim= estre =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D Irrigiditi sia i prestiti alle imprese, sia quelli alle famiglie, sia i mut= ui ---------------------------------------------------------------------------= -- Forte stretta del credito per imprese e famiglie: le banche nell=E2=80=99ar= ea dell=E2=80=99euro hanno continuato a inasprire le condizioni di tutti i = tipi di prestito nel primo trimestre dell=E2=80=99anno. Si tratta della str= etta pi=C3=B9 forte dal terzo trimestre del 2023 ed =C3=A8 peggiore di quan= to previsto. =C3=88 quanto emerge dalla consueta dalla consueta indagine de= lla BCE sui finanziamenti erogati dal sistema bancario nell=E2=80=99area de= ll=E2=80=99euro. Per il **secondo trimestre** gli istituti si attendono un **[ulteriore e pi= =C3=B9 diffuso irrigidimento](https://697f3.r.a.d.sendibm1.com/mk/cl/f/sh/6= rqJfgq8dIPRQNy7yZ3n0JAe2i3/SEchNRn-6XRP)** degli standard, sia per le impre= se sia per i mutui, oltre a una nuova stretta sul credito al consumo, anche= a causa dei maggiori costi di finanziamento. L=E2=80=99inasprimento =C3=A8 dovuto al peggioramento e all=E2=80=99**incer= tezza del quadro economico** della tensioni geopolitiche, l=E2=80=99**[aume= nto dei rischi](https://697f3.r.a.d.sendibm1.com/mk/cl/f/sh/6rqJfgq8dIR6SqG= HSsTKvuIZg15/ExbHrvVVWlEe)** percepiti e di una minore propensione al risch= io delle banche. Aumenta la prudenza nella concessione del credito bancario= . Le banche interpellate nell=E2=80=99indagine hanno indicato tra i princip= ali fattori anche l=E2=80=99andamento dell=E2=80=99energia, con pressioni l= egate anche all=E2=80=99esposizione verso imprese energivore e alla regione= del Medio Oriente. Un altro fattore che ha contribuito alla stretta delle = condizioni del credito =C3=A8 il peggioramento delle condizioni di finanzia= mento per le banche stesse che si finanziano sui mercati. Per i prestiti alle **[imprese](https://697f3.r.a.d.sendibm1.com/mk/cl/f/sh= /6rqJfgq8dISlVIYQxBssrVQVJK7/jsLGcRLkmkA9)** si registra un **irrigidimento= netto del 10%**, superiore alle attese (6%) e ai livelli storici medi, il = pi=C3=B9 marcato dal terzo trimestre del 2023 e parte di una tendenza restr= ittiva in atto dalla met=C3=A0 del 2025. Anche i prestiti alle **famiglie**= hanno registrato l=E2=80=99inasprimento delle condizioni: lieve stretta pe= r i **mutui casa** (2%) e pi=C3=B9 significativa per il **credito al consum= o** (15%). Parallelamente, =C3=A8 **aumentata la quota di domande di prestito respinte= **, in particolare nel credito al consumo. La domanda di prestiti =C3=A8 at= tesa in calo, sia da parte delle imprese =E2=80=93 per minori investimenti = =E2=80=93 sia delle famiglie, penalizzate da fiducia pi=C3=B9 debole e mino= ri acquisti di beni durevoli. =C2=A0 Via Martiri della Libert=C3=A0 298 13836 Cossato (BI) Cap. Soc. =E2=82=AC 10.300,00 i.v. Cod. Fisc. =E2=80=93 P.Iva 02693000024 R= EA BI=E2=80=93 206088 M. Phone: +39 393 9763947 Fax: +39 015 38045294 Mail: info@financialandbusi= ness.com Web: www.financialandbusiness.com =C2=A0 =C2=A9 2021 FB Financial & Business Srl ---------?=_81135-1315274028485 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=UTF-8 <!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org= /TR/xhtml1/DTD/xhtml1-strict.dtd"> <html xmlns=3D"http://www.w3.org/1999/xhtml" xmlns:v=3D"urn:schemas-microso= ft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office"><head><meta= http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8"><meta h= ttp-equiv=3D"X-UA-Compatible" content=3D"IE=3Dedge"><meta name=3D"format-de= tection" content=3D"telephone=3Dno"><meta name=3D"viewport" content=3D"widt= h=3Ddevice-width, initial-scale=3D1.0"><title>Bce: peggiore stretta del cre= dito dal 2023, previsto calo anche nel II trimestre</title><style type=3D"t= ext/css" emogrify=3D"no">#outlook a { padding:0; } .ExternalClass { width:1= 00%; 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width: 100%;" sib_img_id=3D"0"></a> </td> </tr></table></td> </tr></tabl= e></td> </tr></table></th> </tr></table></td> </tr></table><table cellspaci= ng=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%= " align=3D"center" class=3D"r3-o" style=3D"table-layout: fixed; width: 100%= ;"><tr><td class=3D"r11-i" style=3D"background-color: #ffffff; padding-left= : 20px; padding-right: 20px;"> <table width=3D"100%" cellspacing=3D"0" cell= padding=3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" val= ign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspaci= ng=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%= " class=3D"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign= =3D"top" class=3D"r7-i" style=3D"padding-left: 5px; padding-right: 5px;"> <= table width=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role= =3D"presentation"><tr><td class=3D"r12-c" align=3D"left"> <table cellspacin= g=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%"= class=3D"r13-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align= =3D"center" valign=3D"top" class=3D"r14-i nl2go-default-textstyle" style=3D= "color: #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; = word-break: break-word; line-height: 1; padding-bottom: 10px; padding-top: = 10px; text-align: center;"> <div><h1 class=3D"default-heading1" id=3D"isPas= ted" style=3D"margin: 0; color: #1f2d3d; font-family: arial,helvetica,sans-= serif; font-size: 36px; word-break: break-word;"><span style=3D"font-size: = 24px;">Bce: peggiore stretta del credito dal 2023, previsto calo anche nel = II trimestre</span></h1></div> </td> </tr></table></td> </tr></table></td> = </tr></table></th> </tr></table></td> </tr></table><table cellspacing=3D"0"= cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align= =3D"center" class=3D"r3-o" style=3D"table-layout: fixed; width: 100%;"><tr>= <td class=3D"r11-i" style=3D"background-color: #ffffff; padding-left: 20px;= padding-right: 20px;"> <table width=3D"100%" cellspacing=3D"0" cellpadding= =3D"0" border=3D"0" role=3D"presentation"><tr><th width=3D"100%" valign=3D"= top" class=3D"r5-c" style=3D"font-weight: normal;"> <table cellspacing=3D"0= " cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class= =3D"r6-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valign=3D"top= " class=3D"r7-i" style=3D"padding-left: 5px; padding-right: 5px;"> <table w= idth=3D"100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"pres= entation"><tr><td class=3D"r12-c" align=3D"left"> <table cellspacing=3D"0" = cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" class= =3D"r13-o" style=3D"table-layout: fixed; width: 100%;"><tr><td align=3D"jus= tify" valign=3D"top" class=3D"r15-i nl2go-default-textstyle" style=3D"color= : #3b3f44; font-family: arial,helvetica,sans-serif; font-size: 16px; word-b= reak: break-word; line-height: 1; text-align: justify;"> <div><h2 class=3D"= default-heading2" id=3D"isPasted" style=3D"margin: 0; color: #1f2d3d; font-= family: arial,helvetica,sans-serif; font-size: 32px; word-break: break-word= ;"><span style=3D"font-size: 16px;">Irrigiditi sia i prestiti alle imprese,= sia quelli alle famiglie, sia i mutui</span></h2><p class=3D"default" styl= e=3D"margin: 0;"><br></p><p class=3D"default" style=3D"margin: 0;"><span st= yle=3D"font-size: 14px;">Forte stretta del credito per imprese e famiglie: = le banche nell=E2=80=99area dell=E2=80=99euro hanno continuato a inasprire = le condizioni di tutti i tipi di prestito nel primo trimestre dell=E2=80=99= anno. Si tratta della stretta pi=C3=B9 forte dal terzo trimestre del 2023 e= d =C3=A8 peggiore di quanto previsto. =C3=88 quanto emerge dalla consueta d= alla consueta indagine della BCE sui finanziamenti erogati dal sistema banc= ario nell=E2=80=99area dell=E2=80=99euro.</span></p><p class=3D"default" st= yle=3D"margin: 0;"><br></p><p class=3D"default" style=3D"margin: 0;"><span = style=3D"font-size: 14px;">Per il <b data-reader-unique-id=3D"14">secondo t= rimestre</b> gli istituti si attendono un <b data-reader-unique-id=3D"15"><= a target=3D"_self" href=3D"https://697f3.r.a.d.sendibm1.com/mk/cl/f/sh/6rqJ= fgq8dIPRQNy7yZ3n0JAe2i3/SEchNRn-6XRP" data-reader-unique-id=3D"16" style=3D= "color: #0092ff; text-decoration: underline;" sib_link_id=3D"1" templating= =3D"n">ulteriore e pi=C3=B9 diffuso irrigidimento</a></b> degli standard, s= ia per le imprese sia per i mutui, oltre a una nuova stretta sul credito al= consumo, anche a causa dei maggiori costi di finanziamento.</span></p><p c= lass=3D"default" style=3D"margin: 0;"><br></p><p class=3D"default" style=3D= "margin: 0;"><span style=3D"font-size: 14px;">L=E2=80=99inasprimento =C3=A8= dovuto al peggioramento e all=E2=80=99<b data-reader-unique-id=3D"21">ince= rtezza del quadro economico</b> della tensioni geopolitiche, l=E2=80=99<b d= ata-reader-unique-id=3D"22"><a target=3D"_self" href=3D"https://697f3.r.a.d= .sendibm1.com/mk/cl/f/sh/6rqJfgq8dIR6SqGHSsTKvuIZg15/ExbHrvVVWlEe" data-rea= der-unique-id=3D"23" style=3D"color: #0092ff; text-decoration: underline;" = sib_link_id=3D"2" templating=3D"n">aumento dei rischi</a></b> percepiti e d= i una minore propensione al rischio delle banche. Aumenta la prudenza nella= concessione del credito bancario. Le banche interpellate nell=E2=80=99inda= gine hanno indicato tra i principali fattori anche l=E2=80=99andamento dell= =E2=80=99energia, con pressioni legate anche all=E2=80=99esposizione verso = imprese energivore e alla regione del Medio Oriente. Un altro fattore che h= a contribuito alla stretta delle condizioni del credito =C3=A8 il peggioram= ento delle condizioni di finanziamento per le banche stesse che si finanzia= no sui mercati.</span></p><p class=3D"default" style=3D"margin: 0;"><br></p= ><p class=3D"default" style=3D"margin: 0;"><span style=3D"font-size: 14px;"= >Per i prestiti alle <b data-reader-unique-id=3D"50"><a target=3D"_self" hr= ef=3D"https://697f3.r.a.d.sendibm1.com/mk/cl/f/sh/6rqJfgq8dISlVIYQxBssrVQVJ= K7/jsLGcRLkmkA9" data-reader-unique-id=3D"51" style=3D"color: #0092ff; text= -decoration: underline;" sib_link_id=3D"3" templating=3D"n">imprese</a></b>= si registra un <b data-reader-unique-id=3D"52">irrigidimento netto del 10%= </b>, superiore alle attese (6%) e ai livelli storici medi, il pi=C3=B9 mar= cato dal terzo trimestre del 2023 e parte di una tendenza restrittiva in at= to dalla met=C3=A0 del 2025. Anche i prestiti alle <b data-reader-unique-id= =3D"53">famiglie</b> hanno registrato l=E2=80=99inasprimento delle condizio= ni: lieve stretta per i <b data-reader-unique-id=3D"54">mutui casa</b> (2%)= e pi=C3=B9 significativa per il <b data-reader-unique-id=3D"55">credito al= consumo</b> (15%).</span></p><p class=3D"default" style=3D"margin: 0;"><br= ></p><p class=3D"default" style=3D"margin: 0;"><span style=3D"font-size: 14= px;">Parallelamente, =C3=A8 <b data-reader-unique-id=3D"85">aumentata la qu= ota di domande di prestito respinte</b>, in particolare nel credito al cons= umo. La domanda di prestiti =C3=A8 attesa in calo, sia da parte delle impre= se =E2=80=93 per minori investimenti =E2=80=93 sia delle famiglie, penalizz= ate da fiducia pi=C3=B9 debole e minori acquisti di beni durevoli.</span></= p></div> </td> </tr></table></td> </tr></table></td> </tr></table></th> </t= r></table></td> </tr></table><table cellspacing=3D"0" cellpadding=3D"0" bor= der=3D"0" role=3D"presentation" width=3D"100%" align=3D"center" class=3D"r3= -o" style=3D"table-layout: fixed; width: 100%;"><tr><td class=3D"r4-i" styl= e=3D"background-color: #ffffff; padding-bottom: 20px; padding-left: 20px; p= adding-right: 20px; padding-top: 20px;"> <table width=3D"100%" cellspacing= =3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation"><tr><th width= =3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight: normal;"> <ta= ble cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" = width=3D"100%" align=3D"left" class=3D"r13-o" style=3D"table-layout: fixed;= width: 100%;"><tr><td align=3D"justify" valign=3D"top" class=3D"r15-i nl2g= o-default-textstyle" style=3D"color: #3b3f44; font-family: arial,helvetica,= sans-serif; font-size: 16px; line-height: 1.2; word-break: break-word; text= -align: justify;"> <div><p class=3D"default" id=3D"isPasted" style=3D"margi= n: 0; font-style: normal; font-weight: 400; text-decoration: none;"><br></p= ><p style=3D"-webkit-text-stroke-width: 0px; caret-color: rgb(0, 0, 0); col= or: rgb(0, 0, 0); font-family: Aptos, sans-serif; font-size: medium; font-s= tyle: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: = normal; margin: 0cm; orphans: auto; text-align: justify; text-decoration: n= one; text-indent: 0px; text-transform: none; white-space: normal; widows: a= uto; word-spacing: 0px;">=C2=A0</p></div> </td> </tr></table></th> </tr></t= able></td> </tr></table></td> </tr></table><table cellspacing=3D"0" cellpad= ding=3D"0" border=3D"0" role=3D"presentation" width=3D"100%" align=3D"cente= r" class=3D"r3-o" style=3D"table-layout: fixed; width: 100%;"><tr><td valig= n=3D"top" class=3D"r1-i" style=3D"background-color: #f9fafc;"> <table cells= pacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width=3D"= 590" align=3D"center" class=3D"r0-o" style=3D"table-layout: fixed; width: 5= 90px;"><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-w= eight: normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" ro= le=3D"presentation" width=3D"590" align=3D"center" class=3D"r3-o" style=3D"= table-layout: fixed; width: 590px;"><tr><td height=3D"30" class=3D"r16-i" s= tyle=3D"font-size: 30px; line-height: 30px; background-color: transparent;"= > =C2=AD </td> </tr></table></th> </tr></table></td> </tr></table><table ce= llspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation" width= =3D"590" align=3D"center" class=3D"r0-o" style=3D"table-layout: fixed; widt= h: 590px;"><tr><td valign=3D"top" class=3D"r1-i" style=3D"background-color:= #f9fafc;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D= "presentation" width=3D"100%" align=3D"center" class=3D"r3-o" style=3D"tabl= e-layout: fixed; width: 100%;"><tr><td class=3D"r11-i" style=3D"background-= color: #ffffff; padding-left: 20px; padding-right: 20px;"> <table width=3D"= 100%" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D"presentation= "><tr><th width=3D"100%" valign=3D"top" class=3D"r5-c" style=3D"font-weight= : normal;"> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" role=3D= "presentation" width=3D"100%" align=3D"left" class=3D"r13-o" style=3D"table= -layout: fixed; width: 100%;"><tr><td align=3D"center" valign=3D"top" class= =3D"r17-i nl2go-default-textstyle" style=3D"color: #3b3f44; font-family: ar= ial,helvetica,sans-serif; font-size: 16px; word-break: break-word; line-hei= ght: 16px; text-align: center;"> <div><p style=3D"margin: 0; font-family: '= Tahoma',Geneva,sans-serif; font-size: 14px; color: #3c4858;"><span><br><spa= n style=3D"font-size: 9px;">Via Martiri della Libert=C3=A0 298 13836 Cossat= o (BI)<br>Cap. 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