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La crisi del 2008 che ha reso difficile l'accesso ai prestiti bancari ha stimolato un nuovo fenomeno, quello dei cosiddetti prestiti "peer to peer", in altre parole da un privato cittadino all'altro, che avvengono su piattaforme online specializzate. Chiunque può quindi trasformarsi in un piccolo istituto di credito. La Gran Bretagna è uno dei mercati più sviluppati, con un giro che supera i tre miliardi di franchi annui e una crescita al ritmo del 160%. I tassi di interesse sono attrattivi e da quest'anno la Financial Conduct Authority regola il mercato, il che ha infuso fiducia.
Ben diversa è la situazione in Svizzera, dove il fenomeno è appena agli inizi: nel 2013, secondo uno studio dell'alta scuola di Lucerna, i prestiti sono stati di circa 2 milioni di franchi (15'000 franchi in media), dato già raggiunto in giugno quest'anno. La clientela su Cashare.ch, il principale sito elvetico attraverso il quale transitano i flussi di denaro fra debitori e creditori, è in gran parte la stessa del piccolo credito tradizionale. Ma non mancano i cattivi pagatori.
Scopri i due casi nei servizi di Eugenio Facci e Luca Fasani
RG/pon
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