{"id":876,"date":"2024-12-16T16:58:54","date_gmt":"2024-12-16T16:58:54","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/16\/gresme-finansiniam-stabilumui-ekoskopas\/"},"modified":"2024-12-16T16:58:54","modified_gmt":"2024-12-16T16:58:54","slug":"gresme-finansiniam-stabilumui-ekoskopas","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/16\/gresme-finansiniam-stabilumui-ekoskopas\/","title":{"rendered":"Gr\u0117sm\u0117 finansiniam stabilumui? \u2013 EKOSKOPAS"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Autorius Caroline Roulet.<\/p>\n<p class=\"has-medium-font-size\"><strong>Privatus kreditas tapo svarbiu finansavimo \u0161altiniu<\/strong><\/p>\n<p>Privatus kreditas yra nebankinio \u012fmoni\u0173 finansavimo forma, daugiausia per specializuotus fondus, kurie pritraukia ilgalaik\u012f kapital\u0105 i\u0161 galutini\u0173 investuotoj\u0173 ir si\u016blo ilgalaikes kintam\u0173 pal\u016bkan\u0173 paskolas vidutin\u0117ms ir ma\u017eesn\u0117ms \u012fmon\u0117ms, neturin\u010dioms prieigos prie kapitalo rink\u0173 ar banko kredito. . Galutiniai investuotojai, tokie kaip pensij\u0173 fondai ir draudimo bendrov\u0117s, vertina privat\u0173 kredit\u0105 d\u0117l daugelio prie\u017eas\u010di\u0173, \u012fskaitant portfelio diversifikavim\u0105, konfidencialum\u0105 ir galb\u016bt didesn\u0119 gr\u0105\u017e\u0105. Teis\u0117s akt\u0173 laikymosi i\u0161laidos taip pat gal\u0117t\u0173 b\u016bti ma\u017eesn\u0117s, nors jos skiriasi priklausomai nuo galutinio investuotojo tipo.<\/p>\n<p>Naujausioje EBPO Ekonomin\u0117je perspektyvoje dokumentuojama sparti \u0161ios finansavimo formos pl\u0117tra nuo pasaulin\u0117s finans\u0173 kriz\u0117s ir analizuojama galima rizika finansiniam stabilumui. 2023 m. priva\u010dios kredit\u0173 rinkos visame pasaulyje pasiek\u0117 2 trilijonus USD (1 pav.). Tai prilygo 12 % bank\u0173 paskol\u0173 nefinansin\u0117ms korporacijoms, o 2012 m. j\u0173 buvo 5 %. Privatus kreditas yra labai \u012fvairus, bet daugiausia skirtas JAV, ta\u010diau dabar spar\u010diai ple\u010diasi ir Europoje bei Azijoje.<\/p>\n<p class=\"has-medium-font-size\"><strong>1 pav. Privatus kreditas i\u0161sivys\u010diusiose \u0161alyse toliau auga<\/strong><\/p>\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"461\" data-attachment-id=\"11690\" src=\"https:\/\/oecdecoscope.blog\/2024\/12\/16\/the-rise-of-private-credit-markets-a-threat-to-financial-stability\/blogcaro\/\" data-orig-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?fit=3734%2C1680&amp;ssl=1\" data-orig-size=\"3734,1680\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"blogCaro\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?fit=300%2C135&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?fit=1024%2C461&amp;ssl=1\" alt=\"\" class=\"wp-image-11690\" srcset=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=1024%2C461&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=300%2C135&amp;ssl=1 300w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=768%2C346&amp;ssl=1 768w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=1536%2C691&amp;ssl=1 1536w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=2048%2C921&amp;ssl=1 2048w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?resize=1200%2C540&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?w=2400&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro.png?w=3600&amp;ssl=1 3600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<p class=\"has-small-font-size\">Pastaba: Verslo pl\u0117tros \u012fmon\u0117s (BDC) yra SEC reguliuojamos, u\u017edaros arba vie\u0161ai prekiaujamos investicin\u0117s bendrov\u0117s, kurios turi investuoti 70 % savo turto \u012f JAV \u012fmones, kuri\u0173 vert\u0117 ma\u017eesn\u0117 nei 250 mln. USD. Vidutin\u0117s rinkos u\u017estato paskol\u0173 \u012fsipareigojimai (CLO) yra JAV CLO rinkos segmentas, u\u017etikrinamas auk\u0161tesnio rango u\u017etikrintomis paskolomis ma\u017eesn\u0117ms \u012fmon\u0117ms, kurios yra sukurtos vie\u0161ose arba priva\u010diose rinkose. Sausi milteliai yra nepaskirstytas arba nepanaudotas kapitalas, laikomas gryn\u0173j\u0173 pinig\u0173 rezervais arba likvid\u017eiu turtu b\u016bsimoms investicijoms. Duomenys i\u0161rei\u0161kiami trilijonais USD, pakoreguoti pagal 2023 m. JAV vartotoj\u0173 kain\u0173 indeks\u0105 ir kaip banko paskol\u0173 nefinansin\u0117ms korporacijoms i\u0161sivys\u010diusiose \u0161alyse dalis. Nor\u0117dami gauti daugiau informacijos, \u017er. 2024 m. gruod\u017eio m\u0117n. EBPO Ekonomin\u0117s perspektyvos 1.25 pav.<br \/>\u0160altinis: Houlihan Lokey; Tarptautinio valiutos fondo (TVF) finansinio patikimumo rodikli\u0173 duomen\u0173 baz\u0117; Pitchbook; ir EBPO skai\u010diavimai.<\/p>\n<p class=\"has-medium-font-size\"><strong>Priva\u010di\u0173 kredit\u0173 rink\u0173 pl\u0117tra kelia galim\u0105 finansinio stabilumo rizik\u0105<\/strong><\/p>\n<p>Priva\u010di\u0173 kredit\u0173 augimas tapo centrini\u0173 bank\u0173 ir kit\u0173 reguliavimo institucij\u0173 susidom\u0117jimu d\u0117l santykinai nepakankamo rinkos matomumo ir pagrindin\u0117s rizikos, taip pat d\u0117l \u200b\u200bto, kiek privat\u016bs kredito fondai yra tarpusavyje susij\u0119 su kitomis finans\u0173 institucijomis, ypa\u010d bankais. .<\/p>\n<p>Priva\u010di\u0173 kredito teik\u0117j\u0173 nuostoliai gali greitai i\u0161plisti \u012f bankus. Privat\u016bs kredito fondai vis labiau priklauso nuo bank\u0173 u\u017etikrint\u0173 kredito linij\u0173, kurios yra u\u017estatytos priva\u010diomis paskolomis (2 pav., A skydelis). Privataus kapitalo fondai (pavyzd\u017eiui, privataus kapitalo fondai) taip pat tapo pagrindiniais investuotojais \u012f finansines priemones, kurios perkelia rizik\u0105 i\u0161 bank\u0173 paskol\u0173 portfeli\u0173 (vadinamieji \u201ekredito rizikos pervedimai\u201c). D\u0117l to kyla rizika tiek privataus kapitalo fondams, tiek bankams, jei pablog\u0117ja kredito kokyb\u0117 arba jei stamb\u016bs fond\u0173 galutiniai investuotojai negali suteikti kapitalo, kur\u012f \u012fsipareigojo.<\/p>\n<p>Privat\u016bs kredito fondai taip pat yra tiesiogiai susij\u0119 su privataus kapitalo fondais ir instituciniais investuotojais (2 pav., B skydelis). Pavyzd\u017eiui, dideli privataus kapitalo fondai da\u017enai valdo ir privataus kapitalo, ir priva\u010di\u0173 kredit\u0173 portfelius. Taip pat privat\u016bs kredit\u0173 fondai da\u017enai teikia kreditus \u012fmon\u0117ms, kuri\u0173 visi\u0161kai arba did\u017eioji dalis priklauso privataus kapitalo fondams. Tod\u0117l vieno privataus finansavimo sektoriaus segmento pa\u017eeid\u017eiamumas grei\u010diausiai persimes \u012f kit\u0105. Likvidumo spaudimas taip pat gali kilti galutiniams investuotojams, \u012fskaitant draudimo bendroves ir pensij\u0173 fondus, jei privat\u016bs kredito fondai netik\u0117tai pareikalauja kapitalo. Tokios rizikos labiau tik\u0117tina d\u0117l did\u0117jan\u010dio galutini\u0173 investuotoj\u0173 \u012fsipareigoto, bet iki \u0161iol neinvestuoto kapitalo (vadinam\u0173j\u0173 \u201esaus\u0173j\u0173 milteli\u0173\u201c), kur\u012f da\u017enai laiko gryn\u0173j\u0173 pinig\u0173 atsargos priva\u010diuose kredito fonduose. Jungtin\u0117se Amerikos Valstijose \u012fsp\u0117jim\u0173 apie sistemin\u0119 rizik\u0105 daug\u0117ja d\u0117l draudik\u0173 priva\u010di\u0173 kredito pozicij\u0173 (Fournier ir kt., 2024). Europoje Italijos draudiko (Eurovita) sunkumai iliustruoja pana\u0161ias rizikas (AMF, 2024).<\/p>\n<p class=\"has-medium-font-size\"><strong>2 pav. Ry\u0161ys tarp priva\u010di\u0173 kredito fond\u0173 ir finans\u0173 sistemos auga<\/strong><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" data-recalc-dims=\"1\" decoding=\"async\" width=\"865\" height=\"378\" data-attachment-id=\"11691\" src=\"https:\/\/oecdecoscope.blog\/2024\/12\/16\/the-rise-of-private-credit-markets-a-threat-to-financial-stability\/blogcaro2\/\" data-orig-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?fit=865%2C378&amp;ssl=1\" data-orig-size=\"865,378\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"blogCaro2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?fit=300%2C131&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?fit=865%2C378&amp;ssl=1\" alt=\"\" class=\"wp-image-11691\" srcset=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?w=865&amp;ssl=1 865w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?resize=300%2C131&amp;ssl=1 300w, https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/uploads\/2024\/12\/blogCaro2.png?resize=768%2C336&amp;ssl=1 768w\" sizes=\"auto, (max-width: 865px) 100vw, 865px\"\/><\/figure>\n<p class=\"has-small-font-size\">Pastaba: B skydelyje priva\u010di\u0173 kredito fond\u0173 kredito linijos ne\u012ftrauktos \u012f bank\u0173 investicijas, o duomenys pateikti 2022 m. bir\u017eelio m\u0117n.<br \/>\u0160altinis: MSCI (2023), Blackrock (2023) ir EBPO skai\u010diavimai.<\/p>\n<p>Kalbant pla\u010diau, susir\u016bpinim\u0105 kelia skaidrumo tr\u016bkumas priva\u010diose rinkose. \u012evair\u016bs sverto sluoksniai nuo skolinink\u0173 iki fond\u0173 iki galutini\u0173 investuotoj\u0173 yra galimas finansinio nestabilumo \u0161altinis, o likvidumo tr\u016bkumo rizika gali sukelti netik\u0117t\u0173 pardavim\u0173 ir tuo pa\u010diu metu ma\u017einti skol\u0105. Nors dauguma priva\u010di\u0173 kredito fond\u0173 neturi finansinio sverto, kai kurie i\u0161 j\u0173 naudoja i\u0161vestines finansines priemones svertui (Federal Reserve, 2023). Kai kurie privat\u016bs kredito fondai taip pat leid\u017eia i\u0161pirkti, o tai padidina j\u0173 likvidumo rizik\u0105.<\/p>\n<p>Pastaruoju metu pablog\u0117jusi kredito kokyb\u0117 yra dar vienas galimos rizikos \u0161altinis. Didesn\u0117 skol\u0173 aptarnavimo na\u0161ta privatiems kredito gav\u0117jams paskatino kai kuriuos atid\u0117ti gr\u0105\u017einimus, prid\u0117dami pal\u016bkan\u0173 kuponus prie pagrindin\u0117s paskolos sumos. Taip pat kyla refinansavimo rizika, ypa\u010d pa\u017eeid\u017eiamiausiems skolininkams, nes ma\u017edaug 50% JAV priva\u010di\u0173 kredito fond\u0173 negr\u0105\u017eint\u0173 paskol\u0173 turi b\u016bti gr\u0105\u017einta per trejus metus (Cai ir Haque, 2024). Did\u0117jant \u012fsipareigojim\u0173 nevykdymui tarp didel\u012f svert\u0105 turin\u010di\u0173 nefinansini\u0173 korporacij\u0173, kyla rizika, kad priva\u010di\u0173 kredit\u0173 paskol\u0173 nuostoliai gali smarkiai padid\u0117ti. Tokios paskolos da\u017enai suteikiamos \u016bkio sektori\u0173 \u012fmon\u0117ms, turin\u010dioms ma\u017e\u0105 u\u017estatu suteikiam\u0105 ar material\u0173j\u012f turt\u0105, taigi ir ma\u017eus susigr\u0105\u017einimo rodiklius verslo \u017elugimo atveju.<\/p>\n<p>Priva\u010diomis paskolomis neprekiaujama, o tai trukdo investuotojams tinkamai \u012fvertinti ir reguliavimo institucijoms steb\u0117ti. Kredito rizikos vertinimai taip pat yra neai\u0161k\u016bs, nes n\u0117ra ai\u0161ki\u0173 reguliavimo standart\u0173, tod\u0117l nuostoliai gali b\u016bti ne\u012fvertinti. Esant dideliam sukr\u0117timui, greitas pasitik\u0117jimo praradimas gali paskatinti priva\u010di\u0173 kredito fond\u0173 naudojam\u0173 i\u0161vestini\u0173 finansini\u0173 priemoni\u0173 \u012fkaito reikalavim\u0105, o tai dar labiau padidint\u0173 likvidumo spaudim\u0105 d\u0117l i\u0161pirkimo ir rizika, kad fondai gali nevykdyti \u012fsipareigojim\u0173, o galutiniai investuotojai gali patirti nuostoli\u0173. Daugelis priva\u010di\u0173 kredito fond\u0173 likvidumo valdymo priemoni\u0173 dar turi b\u016bti visi\u0161kai i\u0161bandytos esant sunkiais scenarijus. Nors pardavimo ir gaisro pardavimo rizika \u0161iuo metu atrodo ma\u017ea, reikia atid\u017eiai steb\u0117ti, kaip tr\u016bksta duomen\u0173 apie sektori\u0173 ir da\u017enai ribot\u0105 rizikos ribojimo ar elgesio prie\u017ei\u016br\u0105. Didesnis reguliavimo ataskait\u0173 teikimo skaidrumas panaikint\u0173 duomen\u0173 spragas ir leist\u0173 geriau \u012fvertinti bei valdyti priva\u010di\u0173 kredito fond\u0173 ir galutini\u0173 investuotoj\u0173 rizik\u0105 (EBI, EIOPA ir EVPRI, 2024 m.; TVF, 2024 m.). Atliekant reglamentuojan\u010dius vertinimus ir atliekant galutini\u0173 investuotoj\u0173 testavim\u0105 nepalankiausiomis s\u0105lygomis, taip pat reik\u0117t\u0173 tinkamai atsi\u017evelgti \u012f j\u0173 pozicijas kitoms nebankin\u0117ms finans\u0173 \u012fstaigoms (Acharya, Cetorelli ir Tuckman, 2024).<\/p>\n<p><strong>Nuorodos<\/strong><\/p>\n<p>Acharya, V., Cetorelli, N. ir B. Tuckman (2024), Kur baigiasi bankai ir prasideda NBFI?, Nacionalinis ekonomini\u0173 tyrim\u0173 biuras, darbo dokumentas 32316, balandis, https:\/\/www.nber.org\/system \/files\/working_papers\/w32316\/w32316.pdf<\/p>\n<p>AMF (2024), 2024 m. rinkos ir rizikos perspektyvos, bir\u017eelis, Finans\u0173 rink\u0173 institucija, https:\/\/www.amf-france.org\/sites\/institutionnel\/files\/private\/2024-07\/2024-markets-and-risk- outlook .pdf<\/p>\n<p>\u201eBlackrock\u201c (2023), \u201ePrivate Debt: a Primer \u2013 Unpacking the growth drivers\u201c, lapkritis, https:\/\/www.blackrock.com\/institutions\/en-zz\/insights\/private-debt-primer<\/p>\n<p>Cai, F. ir S. Haque (2024), Privatus kreditas: charakteristikos ir rizika, FEDS pastabos, Federalini\u0173 rezerv\u0173 sistemos valdytoj\u0173 taryba, vasario m\u0117n., https:\/\/www.federalreserve.gov\/econres\/notes\/feds- notes\/private-credit-characteristics-and-risks-20240223.html<\/p>\n<p>EBI, EIOPA ir EVPRI (2024), Jungtinio komiteto ataskaita d\u0117l rizikos ir pa\u017eeid\u017eiamumo ES finans\u0173 sistemoje, rugpj\u016b\u010dio m\u0117n., https:\/\/www.eiopa.europa.eu\/publications\/joint-committee-report-risks-and-vulnerabilities -eu-finans\u0173 sistema-ruduo-2024_lt<\/p>\n<p>Federalinis rezervas (2023), Finansinio stabilumo ataskaita, Federalini\u0173 rezerv\u0173 sistemos valdytoj\u0173 taryba, gegu\u017e\u0117s m\u0117n., https:\/\/www.federalreserve.gov\/publications\/files\/financial-stability-report-20230508.pdf<\/p>\n<p>Fournier, A., R. Meisenzahl ir A. Polacek (2024), Privati \u200b\u200bskola gyvyb\u0117s draudik\u0173 balansuose \u2013 2 dalis \u2013 did\u0117jantis sud\u0117tingumas, \u010cikagos federalinio rezervo lai\u0161kas 494, https:\/\/www.chicagofed.org\/publications \/chicago-fed-letter\/2024\/494<\/p>\n<p>TVF (2024 m.), \u201c<em>Paskutin\u0117 mylia: finansinis pa\u017eeid\u017eiamumas ir rizika<\/em>\u201c, Pasaulio finansinio stabilumo ataskaita, 2 skyrius, Tarptautinis valiutos fondas, https:\/\/www.imf.org\/en\/Publications\/GFSR\/Issues\/2024\/04\/16\/global-financial-stability-report-april-2024# Skyriai<\/p>\n<p>MSCI (2023), \u201eThe Rise (and Rise) of Sub Lines in Private Capital\u201c, liepos m\u0117n., https:\/\/www.msci.com\/www\/blog-posts\/the-rise-and-rise-of-sub-lines\/ 04219806963<\/p>\n<p>EBPO (2024 m.), <em>OECD Economic Outlook, 2024 m. tomas, 2 numeris<\/em>EBPO leidykla: <em>Atsparumas neai\u0161kiais laikais<\/em>Pary\u017eius, https:\/\/doi.org\/10.1787\/d8814e8b-en.<\/p>\n<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-bottom-right\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/oecdecoscope.blog\/wp-content\/plugins\/pdf-print\/images\/pdf.png?w=1200&amp;ssl=1\" alt=\"vaizdas_pdf\" title=\"\u017di\u016br\u0117ti PDF\"\/><\/div>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/oecdecoscope.blog\/2024\/12\/16\/the-rise-of-private-credit-markets-a-threat-to-financial-stability\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Autorius Caroline Roulet. Privatus kreditas tapo svarbiu finansavimo \u0161altiniu Privatus kreditas yra nebankinio \u012fmoni\u0173 finansavimo forma, daugiausia per specializuotus fondus, kurie pritraukia ilgalaik\u012f kapital\u0105 i\u0161 galutini\u0173 investuotoj\u0173 ir si\u016blo ilgalaikes kintam\u0173 pal\u016bkan\u0173 paskolas vidutin\u0117ms ir ma\u017eesn\u0117ms \u012fmon\u0117ms, neturin\u010dioms prieigos prie kapitalo rink\u0173 ar banko kredito. . Galutiniai investuotojai, tokie kaip pensij\u0173 fondai ir draudimo bendrov\u0117s, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":877,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[1975,2276,2275,2277],"class_list":["post-876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika","tag-ekoskopas","tag-finansiniam","tag-gresme","tag-stabilumui"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Autorius Caroline Roulet. 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