{"id":74803,"date":"2023-10-18T10:00:04","date_gmt":"2023-10-18T08:00:04","guid":{"rendered":"https:\/\/www.tressis.com\/?p=74803"},"modified":"2023-10-18T15:49:40","modified_gmt":"2023-10-18T13:49:40","slug":"como-se-financian-los-consumidores","status":"publish","type":"post","link":"https:\/\/www.tressis.com\/ca\/blog\/como-se-financian-los-consumidores\/","title":{"rendered":"\u00bfC\u00f3mo se est\u00e1n financiando los consumidores?"},"content":{"rendered":"<p>Los principales \u00edndices europeos cerraron la jornada ligeramente positivos, con el Eurostoxx 50 apunt\u00e1ndose un 0,06%, el CAC 40 un 0,11%, el DAX alem\u00e1n un 0,09% y el IBEX 35 un 0,12% <\/p>\n<p>&nbsp;<\/p>\n<p>Al otro lado del Atl\u00e1ntico, los \u00edndices cerraron de manera dispar. El Nasdaq 100 se dej\u00f3 un 0,25%, el S&#038;P 500 termin\u00f3 con una ca\u00edda del 0,01% y finalmente el Dow Jones se apunt\u00f3 un 0,04%. <\/p>\n<p>&nbsp;<\/p>\n<p>Ayer se publicaron los datos sobre el \u00edndice ZEW de confianza en Alemania, que bati\u00f3 expectativas mejorando por tercer mes consecutivo (-1,1 frente a un pron\u00f3stico de -9). A pesar de ser un buen dato, el mercado hizo una lectura negativa. Adem\u00e1s, la inflaci\u00f3n, que sigue ralentiz\u00e1ndose, y un mercado laboral que presenta una tasa de desempleo de las m\u00e1s bajas de Europa (5,7%) sugieren que la perspectiva de \u201ctipos m\u00e1s altos por m\u00e1s tiempo\u201d podr\u00eda hacerse realidad. <\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>Informe de octubre<\/strong><\/p>\n<div style=\"text-align: center;\"><a href=\"https:\/\/www.tressis.com\/landing\/campana\/tressis-vision\/index.html?utm_campaign=descarga_paper&amp;utm_medium=blog_MMV&amp;utm_source=tressisvision\" target=\"_blank\" rel=\"noopener\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-67199\" src=\"https:\/\/www.tressis.com\/wp-content\/uploads\/2023\/03\/CTA-Tressis-vision-para-articulos-blog.jpg\" alt=\"Informe mensual - Tressis visi\u00f3n\" width=\"800\" height=\"354\" srcset=\"https:\/\/www.tressis.com\/wp-content\/uploads\/2023\/03\/CTA-Tressis-vision-para-articulos-blog.jpg 800w, https:\/\/www.tressis.com\/wp-content\/uploads\/2023\/03\/CTA-Tressis-vision-para-articulos-blog-300x133.jpg 300w, https:\/\/www.tressis.com\/wp-content\/uploads\/2023\/03\/CTA-Tressis-vision-para-articulos-blog-768x340.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/div>\n<p>&nbsp;<\/p>\n<p>En Estados Unidos las ventas minoristas aumentaron m\u00e1s de lo previsto (0,7% frente a un 0,3% esperado), lo que refleja una demanda duradera de los hogares. Esto tambi\u00e9n plantea la pregunta sobre c\u00f3mo se est\u00e1n financiando estos consumidores. En el siguiente gr\u00e1fico observamos el uso de cr\u00e9dito al consumo a trav\u00e9s de las tarjetas en relaci\u00f3n con el porcentaje de renta disponible que los estadounidenses destinan al ahorro. Este \u00faltimo no deja de disminuir mientras la deuda en cr\u00e9dito no para de aumentar. En caso de darse un escenario negativo, esperemos que el mercado laboral sirva de pilar para contener la situaci\u00f3n.<\/p>\n<p>&nbsp;<\/p>\n<div style=\"text-align: center;\"><img decoding=\"async\" src=\"https:\/\/www.tressis.com\/wp-content\/uploads\/2023\/10\/como-se-financian-los-consumidores-01.gif\" alt=\"Gr\u00e1fica comparativa del uso de cr\u00e9dito al consumo a trav\u00e9s de las tarjetas \u2014l\u00ednea en rojo\u2014 vs. el porcentaje de ahorro personal \u2014l\u00ednea en gris\u2014 de los consumidores en EE.UU.\"\/><\/div>\n<p>&nbsp;<\/p>\n<p>En el mercado de deuda, hemos visto una pausa en el estrechamiento del diferencial entre el Treasury y el bono a dos a\u00f1os, as\u00ed como entre el Bund y el bono alem\u00e1n a dos a\u00f1os. Esta pausa se debe a una relajaci\u00f3n en las rentabilidades de los bonos a m\u00e1s largo plazo.  <\/p>\n<p>&nbsp;<\/p>\n<p>En cuanto a la presentaci\u00f3n de resultados, ayer le toc\u00f3 el turno a Goldman Sachs, cuyos n\u00fameros cumplieron con el consenso. Tambi\u00e9n present\u00f3 Bank of America, que super\u00f3 las expectativas con un BPA reportado de 0,90 frente a un pron\u00f3stico de 0,82, y BNY Mellon con un BPA de 1,27 d\u00f3lares frente a un pron\u00f3stico de 1,15 d\u00f3lares.  <\/p>\n<p>&nbsp;<\/p>\n<p>Hoy tendremos los datos de inflaci\u00f3n en la eurozona y las solicitudes de hipoteca y permisos de construcci\u00f3n en Estados Unidos. Tambi\u00e9n presentan resultados Tesla, Netflix, Procter &#038; Gamble, ASML y Morgan Stanley entre otros. <\/p>\n<p>&nbsp;<\/p>\n<p>Feliz mi\u00e9rcoles.<\/p>\n<p>&nbsp;<\/p>\n<p><center><strong>Javier Cantelar<\/strong><br \/>\nAnalista<\/center><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los principales \u00edndices europeos cerraron la jornada ligeramente positivos, con el Eurostoxx 50 apunt\u00e1ndose un 0,06%, el CAC 40 un 0,11%, el DAX alem\u00e1n un 0,09% y el IBEX 35 un 0,12% &nbsp; Al otro lado del Atl\u00e1ntico, los \u00edndices cerraron de manera dispar. El Nasdaq 100 se dej\u00f3 un 0,25%, el S&#038;P 500 termin\u00f3 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":74817,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9721],"tags":[9129,523,9001,865,7003,9277,1787,2126,9167,2575,9276,3079,9274,9278,9275,4326,7021,4416,9183,6272,6552,8928],"class_list":["post-74803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-morning-meeting","tag-asml","tag-bank-of-america","tag-bny-mellon","tag-bund","tag-cac-40","tag-credito-al-consumo","tag-dax","tag-dow-jones","tag-el-ibex-35-hoy","tag-eurostoxx-50","tag-financiacion-consumidores","tag-goldman-sachs","tag-indice-zew-aleman","tag-inflacion-en-la-eurozona","tag-mercado-labora","tag-morgan-stanley","tag-nasdaq-100","tag-netflix","tag-procter-gamble","tag-sp-500","tag-tesla","tag-ventas-minoristas-ee-uu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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