The problem of young people is one of the most pressing for Italy. Just take a look at the statistics regarding youth unemployment, to understand how for our country there is an increasingly deteriorated situation, such as to force many young people to move abroad, to see their preparation valued.

An increasingly conspicuous exodus that could have far-reaching consequences in the future and which should advise the institutions to take shelter before it is too late.

Among the many problems facing young Italians


There is also that of credit. The mix between increasingly precarious forms of work and the lack of adequate financial resources has in fact pushed credit institutions to close more and more taps over the past years and only now does a partial revision of this policy seem to be underway. This is testified by a CRIF survey, on the basis of which there would be a growth in attention towards the under 34s.

During 2014, precisely this segment of the population provided 22.5% of the total loan applications, with a peak of 24.6% for finalized loans. The share would then reach 30% in the case of real estate mortgages, confirming a very favorable trend that can only be reflected in the data of the loans granted, even if in this case the data are not yet official.

If the risk factor connected to the financing of a segment that has severe difficulties in relating correctly to the world of credit remains naturally high, precisely because of the ever more profound changes in employment in Italy, it should, however, be highlighted as the system banks and institutions have in any case tried to activate some paths in recent years that can facilitate the disbursement of loans to under 34s.

Paths that try to facilitate even those subjects who do not have guaranteed contractual forms and who consequently find their way to vital financing blocked to try to increase their spending capacity and meet basic needs.

The evolution of a company

The evolution of a company

An attitude which, moreover, must take due account of the evolution of a company that is increasingly moving towards flexibility and which must also rework the offer, modeling it in such a way as not to exclude from the credit market an ever wider range of the population.

Moreover, it should also be considered that closing the doors to those who cannot offer adequate guarantees could in a short time make the potential customers of the credit system increasingly small. An event that is pushing the banking world to redefine its attitude in an increasingly stringent way.