بنوك منطقة اليورو تشدد معايير الائتمان في الربع الرابع

20 Jan

بواسطة: bassam

أظهر مسح الإقراض المصرفي لشهر يناير من البنك المركزي الأوروبي يوم الثلاثاء أن بنوك منطقة اليورو شددت شروط الإقراض عبر جميع فئات القروض في الربع الرابع.

وتم تشديد معايير ائتمان البنوك لقروض الشركات ، والقروض للأسر لشراء المنازل والائتمان الاستهلاكي في الربع الرابع.

وأشار المقرضون إلى تدهور التوقعات الاقتصادية العامة وزيادة مخاطر الائتمان للمقترضين بالإضافة إلى انخفاض تحمل المخاطر كعوامل ذات صلة بالتشديد.

في الربع الأول من عام 2021 ، وتتوقع البنوك أن تستمر معايير الائتمان في التشديد للحصول على قروض للشركات والأسر.

وأظهر الاستطلاع أن طلب الشركات على القروض انخفض بشكل أكبر في الربع الرابع ، في حين استمر الطلب على قروض الإسكان في الزيادة مما يعكس اللحاق بالركب في الطلب بعد فترة الإغلاق الأولى في الربع الثاني.

وبالنسبة للائتمان الاستهلاكي والإقراض الآخر للأسر ، سجلت نسبة صافية من البنوك انخفاضًا في الطلب في الربع الرابع.

وأشار المقرضون إلى أن الضمانات الحكومية المتعلقة بفيروس كورونا تدعم معايير الائتمان وساعدت في الحفاظ على شروط وأحكام القروض المقدمة للشركات أكثر ملاءمة في عام 2020.

هل تمتلك حساب في واحدة من الشركات المعتمدة والموثوقة لدينا؟

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There are times when you forgot your partner's phone number, or the name and patronymic of a person with whom you have an important meeting, etc. Do not rush to open your notebook just to read the necessary information. Try to remember it yourself. This information is already "on the shelf in your head", you just have to find it.

3. Create similar looks

If you need to remember something important, try to create an image in your mind that is associated with what you need to remember. It will be easier for the brain to do this.

4. Speak the information received

When you want to remember important information, try retelling it, or explaining it to another person. The memorization process becomes better when you speak the information received.

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When you have nothing to keep yourself busy in boring and long lines, try to start solving very simple arithmetic problems in your head. For example, multiply the number of legs of those red chairs by the number of flowerpots on the windowsill. Or count the sum of numbers on the numbers of passing cars ... This practice is actually an excellent memory training. 6. Remember what happened to you during the day

Before going to bed, after the day, scroll through all its details in your head. What did you do throughout the day, what would you do to improve some points. Think back to your day. From now until awakening. Believe me, this is not an easy task! Ask the question: "Which decision I made today was the most effective?"

7. Read more books!

What could be better than spending your free time reading an interesting and useful book? When reading a book, the brain strains to memorize the details. In addition, you turn on your imagination and begin to visualize everything that you read about. This is great for training the brain.

8. Study verses and text passages

At school we were asked to learn poems for a reason. Memorizing rhymed verses and non-rhymed passages of text helps develop memory. So learn the verses. Try to choose those pieces that you really like 9. Don't try to cram!

Remember how at school / university we could memorize the information we needed to get a good grade? Forget about it. This technique does not help develop memory. Dull cramming is ineffective. It tires the brain, and it quickly stops responding to the information it receives. Better ponder on what you read. You need to not only learn, but also understand what you are reading.
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10. Repeat

But it's still worth repeating the material covered. Not to cram, but to repeat - to refresh your memory. As they say: "Repetition is the mother of learning." Repeat the information received. Every day, for example, 5 days. Repeat what you learned. This information will be deposited in long-term memory, and you can easily get it from there.

11. Don't be lazy

You will never be able to achieve something and remember something if you are lazy. Laziness is the rust of the mind. Don't let it take over your memory. Resist the temptation to lie idle on the couch. Take a book or turn on some relaxing music. This will force your brain to work and thus improve your memory, while you physically rest. And if you need to remember something, then quickly connect all the resources.

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(Master of Business Administration, master of business administration) is not so much a training program as a Manager's degree (in management). Here it is important to have it, which indicates that you have the skills necessary for a middle-and senior-level Manager. To date, there is no single standard that would allow you to divide the degree of proficiency in these skills, so only the fact of having a corresponding diploma is taken into account.

The first version of such a training system began to be used in the United States in the 19th century. for many companies of that time, employees who knew the latest management methods were in demand. With

In our country, the MBA program started at the branch of the Plekhanov economic Institute. Since then, the standard has taken root and MBA education is now considered one of the mandatory for prestigious vacancies in the economic sphere.

What is the" strength " of MBA education?
As with any other type of training for MBA education, there may be pros and cons. So among the main positive qualities can be noted.
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The opportunity to gain in-depth knowledge in the field of business, from which you can get practical benefits in your daily work.
Increased chances of becoming the head of a large firm. The owners of this education are guaranteed to move up the career ladder.
Getting first-hand knowledge from world-class businessmen, and perhaps even from Nobel prize winners.
A great opportunity to get a job abroad or in our country, but in an international organization.
In General, MBA education increases the qualification level of a specialist, making it more competitive in the job market. But there are a few disadvantages.

For example, today young professionals who have just graduated from UNIVERSITY are trying to get an MBA right away. The motivation is obvious — they want to immediately get a job in a prestigious company for a high-paying position with a career growth forecast. And there may be no time to get additional education in the future. But here's the problem — the MBA provides practical knowledge in contrast to the usual "HSE", which would be better compared with your own business experience. This is the only way to highlight in the entire course the knowledge that will really help in a particular situation. And without experience, everything becomes nothing more than an interesting educational program.

The second disadvantage is again hidden in the lack of practical experience for most of the owners of MBA crusts. It is difficult for them to apply the existing knowledge in practice, they do it with caution, sometimes being late with responsible decisions. To work successfully in a rapidly changing market, you need to work for many years to develop the skills to solve complex problems on the fly.
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Home education pitfalls.
We lived in a provincial town. I was very surprised that before us in a neighboring school from the 8th grade, parents took their son to family training. My father taught me. The headmaster of that school proudly announced that the boy returned a year later: "It was hard." The boy pulled it out, passed it well, but didn't want to do it again.
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The first pitfall
What happened to the first boy in family training in our city is the first pitfall. We came across it in the 5th grade. This is the desire of teachers to interrogate (do not ask!) a non-standard student on all issues. No student answers on all topics in all subjects. Only those who are in family training.

I was acutely aware of the teachers ' desire to prove that the system they serve is better. So that others don't get hurt. We found a way out: another school.

Choose the form of training: external. They will impose fewer requirements.

The second pitfall
My mother-in-law worked as a teacher all her life. The students loved her. She took our idea of home education badly. We were lucky to live in different cities.

Once she arrived for 2 days and, as it turned out, did not have time to go to school! I wanted to talk to the class teacher, so that the girl was asked more strictly, so that she didn't want to study at home.

It was a failed betrayal. Sticks in the wheels can be inserted by anyone who does not feel sorry for the child. Such people were always on the way. But my own grandmother...
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My parents didn't agree with our decision either. However, the grandfather wrote to his granddaughter: "Don't see that your mother and I disagree. Listen to your mother, no one loves you more than her."

Detractors are the second pitfall. Inevitable. The worst thing is when it's relatives.

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Natasha finished 10th and 11th grade in one year. 3 times I wanted to drop out of school. Overwork. What held her back was the thought of those who would also study as an external student after her. She knew that she was paving the wa
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Like any other ability, memory can be trained and developed. The main thing is to choose the right exercise program.
Remembering the name of an actor or finding the keys left in the evening can sometimes be difficult. It takes a lot of effort to recover the information you need. Forgetting is a natural process that is designed to unload the nervous system from unclaimed information, to protect it from overstrain. But increased forgetfulness can significantly complicate life. It can be caused by lack of sleep, stress, addictions, or information overload.

If this problem is not related to injury or illness, it is realistic to solve it on your own. Memory can be developed and improved like any other ability. To activate its potential, regular exercise is necessary, as in sports or music. And vice versa - in their absence, the ability of the brain to memorize will decrease. Let's talk about the most effective ways to help strengthen memory and improve brain function.

1. Create associations and visualizations

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Such illustrations should be large, three-dimensional, color and as detailed as possible. The skill of coding into visual images is trained and quickly automated. In the future, it will not be difficult to restore in memory both these images, and the meaning that is embedded in them. Once again putting the keys in this or that place, imagine a flower blooming here. In the morning you will definitely not forget where exactly the flower grew in your house, and you will quickly find the right thing.
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The effect will be even better if you take the works of those authors whose collections do not interest you. It will take more energy to learn such verses. Try to delve deeply into their content and reflect on the artistic techniques that the author used. Poetry can be recited in front of a mirror or recorded from memory. Reading aloud is equally useful. It helps to improve diction, intonation and develops auditory memory. If you don't like poetry, learn the lyrics.
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It is not necessary to take the shopping list prepared before going to the store. On the one hand, such a list will help not to miss anything and at the same time not to buy too much. On the other hand, its absence will have a positive effect on the state of memory. Do not buy something this time - by the next trip you will have an incentive to better memorize items from the list and keep them in mind. Forgot someone's name, phone number, password or recipe ingredients? Try to remember. Take the time and take a few minutes to do this instead of looking for an answer in your smartphone or notebook. This is great for strengthening memory.
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You can learn poems and songs not only in your native language. Don't know a foreign language - start mastering it. It is one of the best ways to activate brain cells and enhance memory capacity. If you memorize a few words every day, then after a couple of months you can feel a noticeable result. Learning a new language develops the ability to structure, analyze and memorize information. In addition, it is a good prevention of age-related diseases. For example, Alzheimer's disease. The most popular way to memorize foreign vocabulary is cards with words and expressions. This technique is based precisely on visual associations.
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Scientists have found a new method of fighting antibiotic-resistant bacteria
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Stress often causes bacteria to form biofilms. Stress can manifest as a physical barrier, ultraviolet light, or a toxic substance such as antibiotics. The formation of these biofilms takes from several hours to days, and they can be of different shapes, sizes, colors, and textures depending on the type of bacteria. Being in a biofilm state protects them from harmful substances in the environment - biofilms have a unique outer wall with different physical and chemical properties than their individual cells. They can coordinate metabolism, slow down their growth, and even form an impenetrable barrier of wrinkles and creases. This is one of the ways they achieve high antibiotic resistance. Researchers from the United Kingdom recently studied the transition of the Hay Bacillus bacterium from a free-moving swarm to a biofilm as a defense mechanism and published what they did to combat its antibiotic-resistant properties in eLife.

To determine if their test strain was behaving like the others, they first ran stress tests on them. They tested the bacteria's response to the physical barrier, ultraviolet light, and antibiotics. The addition of a physical barrier led to the transition of bacteria from one layer to a multilayer layer, followed by an increase in cell density and the formation of multilayer islands near the barrier. Later, wrinkles formed on the islands near the barrier in the place where they began to appear initially.
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When they applied ultraviolet light to the swarm, they again observed a drop in cell speed and an increase in density. And after the scientists added a large dose of the antibiotic kanamycin, the bacterial cells formed a biofilm. The researchers then developed a strategy to combat this bacterial biofilm. They added kanamycin to the environment of a new batch of swarming bacterial cells and watched as the biofilm began to form. They then re-injected the antibiotic at a much higher dose than the first, just before the biofilm formation was complete. As a result, the partially formed biofilm was destroyed and bacterial cells died. This shows that antibiotic-resistant bacteria lose their resistance to antibiotics when they undergo a phase transition, right before going into the biofilm, where they will become much more resistant. Thus, with the correct administration of antibiotics, the bacteria can be attacked in their most vulnerable state and destroyed. The researchers believe that similar transitions from swarm to biofilm occur in other bacterial species. Their research may pave the way for finding more effective ways to control clinically relevant bacteria. For example, Salmonella enterica, which spreads into the bloodstream and is transmitted through contaminated food. Or Pseudomonas aeruginosa with multiple drug resistance, which after surgery causes infections in the blood, lungs (pneumonia) and other parts of the body and spreads in hospitals.
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4/16/2021

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