スペインでの2012年10月ー12月の銀行の自動現金引き出し機からの現金の引き出しは、4'53%減少して275億3500万0000ゆーろに。
La retirada de efectivo en los cajeros sufre la mayor caída registrada
En el cuarto trimestre de 2012 los ciudadanos extrajeron un 4,53% menos
Íñigo de Barrón Madrid 2 ABR 2013 - 10:40 CET
trimestre.
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EL PAÍS
The cash withdrawal at ATMs suffers the biggest drop recorded
In the fourth quarter of 2012 citizens extracted by 4.53% less
Barron Íñigo Madrid 2 ABR 2013 - 10:40 CET
The cash flow is one of the best variables to know how is the economy of a country. And the latest figures from the Bank of Spain on the movement of cash cards reflect the harshness of the crisis and the collapse of consumption. According to the latest statistics, in the fourth quarter of 2012 dropped 27.535 million customers at ATMs, 4.53% less than the same period last year. This fall there had been in at least the last 10 years, a period from which statistics are available.
The cash withdrawal volume was growing at close to 5.5% since the beginning of the decade, only to fall sharply by 2.88% in 2009. The next two years are recovered and in 2012 reached the crash, down 2.64% on the year and 4.53% in the last quarter.
COUNTRY
A total of 110,570 bank customers withdrew million in cash in 2012. This figure is back to 2006 levels. On average, extracted some 2,400 euros per capita in 2012.
Experts believe that the fall of the Christmas bonus of officials (2.6 million people) and "higher taxes and withholdings, wage freezes, etc.," are behind these figures, according to Javier Niederleytner , professor at the Institute of Stock Market Studies (IEB). This teacher notes that "the lower propensity of Spanish consumption in the current economic circumstances, do you have a greater willingness to savings to spending, though mostly there is less disposable income."
The cancellation of the Christmas bonus and unemployment explain the fall
This decline is also reflected, albeit with less force-volume card purchases that are made through POS terminals in shops. After posting gains of 14% and 17% at the beginning of the last decade, in good financial bubble years, in 2012 the amount was down 0.90%. Were made purchases worth 97.385 million. Given this reduced use of plastic money, and higher fees for using the cards, customers have gotten rid of many of them. Faced with 76.4 million cards were in 2008, the last year were 68.8 million, representing an average of 1.5 per capita.
In parallel, there has also been a sharp decline in the number of ATMs that are entities. In 2008, peaked with 61,714 machines. Last year it accounted for 56,258, 8.85% less; 2010 and 2011 were the years with higher ATM withdrawals, in parallel to the closures of bank branches. Nevertheless, Spain remains one of the European countries with European ATM park.
On average, each Spanish drew about 2,400 per year at cash
According Niederleytner, these statistics are "a reflection of the current economic situation. Unemployment continues to rise, and the worst is that there is an atmosphere of uncertainty, where the main fear of many Spanish is just swell the ranks of the unemployed. So are consuming much less, as pessimism reigns. The ordinary citizen does not believe the optimistic messages that 2013 will be the year of recovery. "
What will happen this year? Responsible for some banks continue to believe that the fall in the use of plastic money. From the IEB is said that "only an improvement in employment contribute to the propensity to consume is reversed"
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