Economy

It is indubitable that the economic development of an area involves the presence of an efficient banking system, at the same time articulated and harmonised with the social economic context where it works. It is essential, in other words, the operating of banks able to tune up about the problems and matters concerning collecting funds and investments , in order to promote the development of the local economy within a trend perspective.
Keeping on unsolved the 'southern question' it does not seem it is given enough importance to the lack, in the South, of an efficient 'structure' of the banking system, meaning that , justly, a development propulsion.

That is indubitably a concomitant cause of the permanent unease of an economy that does not succeed in taking off. Indeed the emergent entrepreneurship lacks more the competencies the banking system must ensure than the credit support, as it happens in the most developed areas in the country.
The so-called 'colonization' of the Southern banking net by the northern banks system has in fact a logical basis.
Other is the place to analyse the degeneration of the politic and parapolitic patronage that has featured the procedure of some great banks as the Banco di Napoli, the Banco di Sicilia or Caripuglia.
Other is the place to deepen the arousing and the persisting of the inadequacy of the southern local banks to act the propulsion rôle of the economy in the settlement areas.
Other is the place to individuate reasons of the chronicle inability to act significant centralisation, in order to take advantage of efficiency, competitiveness, in defence of the territory.
If the banks operating in the Southern (great, medium, small or mono branch, whatever) are “colonised “ by the Northern Institutes evidently it happens for two concurring factors:

- the lack of initiative by who sells;
- the positive evaluation of the area social-economic perspectives by purchasers.
It is enough, beside, to know some arithmetic to realize the business into which the invested money is transferred, purchasing southern banks.
The following examples will be sufficient : the benefits obtained by the Popolare of Lodi, due to a purchase wise politics that regarded Molise, Lucania and Sicilia. Positive the same, the investments of the Credem in Campania, Calabria, Puglia and Sicilia; of the “Bergamo” in Campania; of the Cariplo in Abruzzo, Campania and Puglia. In this region, for much less than 2 thousand billions, the Cariplo “finds “ 327 agencies of the ex Caripuglia nowadays Carime.
So it would be necessary, while planting and acting a new politics for the South, to examine very consciously the matter about how “to reform” the culture of the local banks; how to awaken and stimulate them to centralisation; how 'training' them for a more constructive relationship/support with the small firms - even craft firms - being them the bearing axe of an employment politics.
The ABI yearbook allows noting how many the local banks in the south are, but also how few important they are in the economy of settlement area. The new Minister of Labour, Bassolino, has in his own region elements to deepen and to study about the relationship between credit and territory.
From the crisis of the Banco di Napoli to the transfer of the property of many Institutes in Campania, he can draws interesting conclusions concerning the credit growing as a needed 'infrastructure' in order to foster the rise of new activities, and so new employment.
The pressing need due to an economic and employment situation off limits, imposes that from the 'tables', the 'statements', “propositions “ and “bargains' finally coming to facts.
As a Neapolitan saying goes : “chats and wooden snuffboxes the Banco di Napoli does not pawn!”

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