Economy;Insurance

In these moments, when for some time the world economy is in deep crisis, one tries to understand what happened, how it happened, what will be the development of the next crisis, and when it will all end and you can start to live with serenity induced an economy
positive.
Yes, but understand what really happened is not easy when, as always, one fact seems to be triggered historically the case. Indeed not. The reasons for an event so severe they have complex roots, which acted on the propensities that govern individual behavior in economics, then, in combination, feeding the dominant global trends

In this perspective, then all you resize, and attributed the crisis to the delinquencies of subprime is an incorrect interpretation of the ability to meet its commitments on the one hand, and to assess the economic possibilities and sacrifices by the debtors' other.

You enter this mode in the field of propensities that determine the economy on the basis of calculations to make choices between opportunities among their competitors, however, necessary to satisfy the needs

Is essential, therefore, the "propensity to consume", the individual will dispose of a share more or less of income earned. It is the way to start, accelerate or decelerate the application and, consequently, the 'trends' s economy


The propensity to consume encourages employers to make available that could meet the demand. And now the prospect of obtaining, through increased demand, a continuing prospective income, start, develop or decelerates the propensity to invest, not without side effects.

Then there is the problem of finding the capital for investment in food production processes. Speaker then the propensity to save as delta between disposable income and consumption. The propensity to save, in turn, rests on basic concepts. Among others: security, the desire to aggregate availability to meet future needs, the attraction exerted by the compensation offered by the intermediaries to reward the savings entrusted to them.

He then outlined a simple economic behavior that aggregation of the individual, induces a generalized type of behavior, which is essential in the state's function as a regulator of the system. Its task is to establish the ground rules for the protection of all parties involved in order to obtain a controlled growth, exert a presence to guarantee shrinking, dictate rules to perpetuate a collective welfare.

Transpires then that all parties have fulfilled their roles. Perhaps the propensity to consume pre-crisis has been driven to excess, to exceed the possibility of supplying the correct mass propensity to save, in 'hypothesis to prevail on all consumption.

Perhaps the propensity to invest has powered the excess, underestimating the risks arising from lack of care, coupled with the expectation of continued growth and virtually unstoppable.

Perhaps the regulator of the system left to do, considering the need to coordinate and keep within the new that, being such, had no defined rules. So the start of the recognition of the weaknesses of the system has triggered the weakening of propensities, triggering the reverse operation of the phenomena associated with them.

Therefore there was: a financial crisis arising out of insolvency resulting inability to meet commitments for repayment of loans; a crisis of confidence in depository institutions, savings, and a subsequent domino effect on other collective propensities to save, invest , and finally consumption, resulting in a further boost to the economy negatively.

'S intervention in support of the governor of the key areas in crisis muted other devastating effects on savings, but you can not take everything very quickly, and we must accept the fact that the effects of the recession be undertaken, including to better understand the 'entity is not fully assessed its contents.

Here we are now. It seeks to understand how, when and where the most acute phase of crisis has been reached, what is still far off, and you're starting to put that order in behavior which then allows for a certain historical period, to avoid errors committed, again in search of continuous growth.

There is thus waiting for the turn signal, and scrutinize all the economic horizon to see whether the confidence to come back to restart again in a positive and virtuous propensities.
We must therefore return to reason with the landmarks of good sense, trying to restrain the exaggerations and prejudice within the rules tend to handle the excess. Confidently expects the recovery cycle of virtuous propensities, based on a suitable remedy the tendency is hoped the resumption of investment and consumption, perhaps stimulated by the governor, in these situations, has the economic capacity, supported by ' political commitment to restart the system. This will contribute to the resumption of positive tendencies, and then resume their impact on the hard path to a more rational balance.