Banking in Memphis for the house holder

The year of 2011 if initiates with alert on the part of the economists, whom they see with concern perspective of increase of the inflation, that in 2010 was the greater in last the six years, having been pulled for foods and services, that had gone up very. It was one year weighed for the pocket. is not necessary to be economist to know of this. Who makes purchases frequently perceived the difference. Feeding and drinks had always been the villains of the inflation. In 2010 10.39% had gone up face to the previous year.

After that they come the tariffs (bus, gas, energy, water) and services (rent, school, etc). Inflation 2010 was in 5,91% and the Central banking defined as goal for 2011 a 4,5% index. But the increase of the consumption in Brazil has a fear in the rise of the inflation for this year due, as consequence of the growth of the income of the people, and this is good. But, according to Jose Mrcio Camargo, economist of the PUC-RJ, it is important that this growth is controlled in such a way not to generate inflation. The last estimate of the financial market for 2011 of 5,53%, is a little bigger that the goal established for the Central banking, and the expectation is of new rises in elapsing of the year.

Economists of great banks believe that the tax Selic, the basic tax of interests, will finish 2011 in 12,25% to the year, that is, a percentile point above of the current one. For Nilson Teixeira, economist head of the Credit Suisse Bank, has elements as the value of the new minimum wage, that can attenuate this scene, but exists factors that can aggravate it, as the behavior of the prices of foods and the services. He is therefore that president Dilma Rousseff intends to control the performance of the public expenses and he is resoluta how much the decision of the value of the minimum of R$ 540,00 as said in the first official interview the printed.

The cognitiva form is strong on to the subjectivity notion, as attitudes and norms of behavior, changes of values, reciprocity and confidence. Another important distinction in the concept of capital stock is between the levels micron, meso and macro. The level micron understands the relationship between individuals and domiciles; the level meso is seen in the context of the communities, APL of companies and regions; in the level macro, the capital stock mentions the institution forms to it, such as the set of laws, the judicial system, the quality of execution of contracts (UPHOFF 2001, apud GOMES, 2011). It has evidences of that the paper of the capital stock in the process of growth and human development has grown sufficiently in the last ones years, for such, it is assumed that cooperative norms, interpersonal confidence and social connections improve the quality of the social interactions in the society, contribute for the productivity of the worker, help to reduce the transaction costs and all more than it can influence in the process of growth and economic development (UPHOFF 2001, apud GOMES, 2011). 3 CONCLUSION This subject more needs to be searched, to be deepened, in virtue of the search for a concept real concrete/of Capital stock, thus aiming at, to exterminar the arduous conflict of the divergent vises as for the Capital stock. Pparently these vises if divergem in the moving one of the agreement, but in what it refers to, its application, the final term of capital stock the same seems to be for all (confidence and cooperation), therefore in the general way aims at the economic development.

The economic development, as a question universally considered, is questioned, and related, as an imposition uniform, the society with very divergent realities. in this context the capital stock appears as a concept that can bring some hope for a balanced economic development, setting with special acuidade the local and regional development (I CASTRATE, 2004). Concept of capital stock, in accordance with Pierre Bourdieu, that in them seems to be the author who presents a more including definition and needs, will be: ‘ ‘ the aggregate of the real or potential resources, a net, more or less institutionalized, of knowledge and identifications mtuas’ ‘ (BOURDIEU, 1986 apud I CASTRATE 2004). Therefore, analyzing of a general form, in its origins the capital stock was seen as a whole, and from now on the thinkers had developed techniques that could use it in a more specific applicability, come back really for each specific reality. He perceives yourself that the majority of the current thinkers had been influenced by the initial context, and exactly they had from now on developed and they perfected its concepts and/or vises in what he says respect to capital stock.

An evidence of this, supports, it is the fall in the relation enters the number of agencies and the population. Until the decade of 1980, the Ipea says, had a bank agency for each 8 a thousand inhabitants; in 2007, this relation started to be of an agency for each 10 a thousand inhabitants. Moreover, it says the work, the bank agencies if they had concentrated in the States richest of the country. According to Ipea, today 156 financial institutions in the Country exist (2007), lesser number that the 230 observed in 1996.O institute sample also that the banking system in Brazil still is small ahead of other countries as Germany that has 2,130 a thousand companies and United States, with 7.282 a thousand. that has concentration in So Paulo. But the So Paulo capital answers for 62,7% of the total of banks in operation, or 99 organizations.

The weight of the public banks in the operations of credit in the country also was reduced, fell of 58,1% in 1996 for 2006.Dados 31,9% in as these strengthen the vision of that the Brazilian banking system is ‘ ‘ fechado’ ‘ , avesso the insensitive competition and to the demands of resources of the society. Unhappyly the reality finishes for galvanizing in unconscious the collective one of the society that the banks are villainous of the economic development, worried only in generating gigantic profits without never dividiz them with the society. We know that this picture is not true, and a economy without banks is virtually impossible. But, with ‘ ‘ empoamento of liquidez’ ‘ the increase of the taxes of interests, to defend turns them flag that nor most liberal of the economists seems made use in raising.