Blogi

Varallisuuden uusjako


21.6.2014 kello 09:29 - Kari Uoti


 


Ennen pankkijärjestelmän ja luotonannon vapauttamista 1980-luvulla ne, jotka saivat lainaa rikastuivat ja ne, jotka eivät saaneet, kurjistuivat. Tämä johtui realikorkojen negatiivisuudesta, lainanottajan velan hoiti inflaatio samalla kun ostettu kiinteistö kasvoi arvossaan. Pääoma kertyi lainaamalla.

 

Nyt ollaan tilanteessa, jossa lainaa on jälleen tarjolla loputtomasti, mutta vain kaikkein rikkaimmille eli liikepankeille, jotka saavat rahaa ilmaiseksi. Normaali tallaaja voi yrittää hakea pankista lainaa, mutta yritykseksi jää, sillä pankkien näkökulmasta mikään ei ole enää minkään arvoista.

 

Suomessa omaisuus keskittyy Helsinkiin ja sen lähiympäristöön, jos tarjoat pankille vakuudeksi kiinteistöä yli 100 kilometriä Helsingistä, ymmärrät, että sillä ei ole enää arvoa. Talo tai maa ei maksa enää mitään missään muuallakuin Helsingissä. 

 

Mitä tästä seuraa?

 

Omaisuuden arvot ovat laskeneet jyrkästi joka puolella. Näennäisesti alhaisista koroista huolimatta omaisuusarvot laskevat. Korot ovat todellisuudessa korkeita, koska alhainen markkinakorko on suunnaton sen jälkeen, kun pankki on laittanut siihen marginaalinsa. Markkinoiden nollakorko muuttuu korkeaksi reaalikoroksi pankin siivun jälkeen. Lainaamalla ei enää rikastu. 

 

Pankkien toiminta aiheuttaa saman kuin minkä tahansa muun oligopolin, kauppa ja pankit ylläpitävät kohtuutonta kustannustasoa, joka kurjistaa normaali-ihmisen, jonka tulotaso on sidoksissa kilpailukykyyn, jota oligopolit ja ylettömän suuri julkinen sektori tuhoaa.

 

Ne, joilla on mahdollisuus päästä suoraan nollakorkoisen rahan lähteelle, rikastuvat, muut kurjistuvat. Hyvin rikkaat voivat jatkossa entistä paremmin, normaali tallaaja jatkuvasti heikommin. Järjestelmä on rakentunut syömään tavallisen hengiltä jakaakseen tämän lihat rikkaimmille.

 

Pankkien toimintaa ohjataan vakavaraisuussäännöillä, jotka estävät rahan lainaamisen normaalille-ihmiselle tämän yrittämiseen. Yrittämistä kannustetaan muka, mutta se tehdään teknisillä määräyksillä mahdottomaksi. Suuret pankit eivät tuhoudu pienyrityksille annettuihin lainoihin, vaan spekulatiivisiin hankkeisiin, rahamarkkinapöydissä tehtyihin minuuttisijoituksiin. 

 

Nyt voisi olla aika taloudelliselle vallankumoukselle, jossa pankkien vakavaraisuussäännöksiä reivataan sellaisiksi, että rahat kannattaa lainata yrittämiseen spekulaation sijaan. Tämä tarkoittaisi paluuta normaaliin. Normaalia ei ole, että liikepankki voi saada keskuspankista ilmaista rahaa spekulatiiviseen businekseen, mutta tavallinen yrittäjä ei saa liikepankista sen keskuspankista lainaamia varoja yrittämisensä investointeihin edes vakuutta vastaan ilman aivan järjettömiä marginaaleja. 

 

Keskuspankki on tehnyt liikepankeista rahasammon, joka näkyy hyvin Nordean toiminnassa. Pankki kitkee kaiken rasvan konttoreista ja kasvattaa tulostaan jakaakseen sen omistajilleen osinkoina. Pankki toimii liiketalousrationaalisesti siinä herkullisessa asemassa, joka sille on suotu. 

 

Poliitikot on irroitettu keskuspankista, mikä on hyvä, mutta joku järki tähän systeemiin pitäisi saada. Rahan lainaaminen yrittämiseen, pitäisi olla hyvä, spekuloimiseen ei. Nyt tämä on täysin väärinpäin.

 

Muuten hyvää Juhannusta

 

 

 Kommentit ()

Lisää kommentti
 24.6.2014 - 08:31:35

Tässähän on kyse seuraavasta:


Vakavaraisuus- ja vähimmäisvarantovaatimus


http://www.talousdemokratia.fi/?q=vakavaraisuus_ja_vahimmaisvarantovaatimus

 25.6.2014 - 22:37:27

Olipas hyvä analyysi Karilta.


Tätä puolta ei olekaan valotettu ainakaan suomalaisissa julkaisuissa.

 16.6.2017 - 09:51:44

The reebok running shoes Musketeers plus went under armour shoes to nike outlet store the top notch christian louboutin sneakers Eight adidas outlet in red bottom shoes for men an cheap beats headphones additional puma sale season cheap beats by dr dre even cheap beats by dr dre when hitting the cheap jordan shoes NCAAs nike outlet online in beats by dre on sale nine of cheap jordans online earphones beats by dre studio 10 discount nike shoes lots of. Is nike factory outlet certainly beats solo now needing jordan 11 their mont blanc pen first cheap beats by dre extremely Four, Also. Are able to cheap nike shoes this cheap jordan shoes fact cheap nike air max become the under armour sale year, The christian louboutin heels latest nike clearance store apple computers nike outlet online will nike sale provide a passionate nike sale technique for cheap jordans that Siri nike clearance audio asst, jordan 13 An element bundled nike outlet having the MacOS jordan 13 Sierra up jordans for sale grade latest beats by dr dre month.Consistent moncler women with under armour sale brand-new louboutin sale posts to cheap nike shoes mac products cheap nike air max supplements, cheap jordans The cheap under armour are red bottom shoes for women going to supersede nike outlet store lots of nike factory store equipment jacks with hardware discount nike shoes C wall puma outlet plug. reebok shoes Fittings beats earphones producing nike air max universal adidas store series bus nike store C systems new jordans would beats earbuds transfer document cheap nikes efficient unlike ancient nike outlet store jacks. under armour shoes Fortunately they are decreased in christian louboutin sale size but moncler men a cheap nikes unvarying situation, nike clearance Meaning the flash retro jordans for sale C jack jordans on sale port end up reebok outlet store being moncler coats appended moncler coats when mont blanc fountain pen it comes to each side nike clearance store looking nike sale towards.Apple inc showcased new apple computers under armour outlet during beats by dre studio opertation their beats by dre cheap own nike factory outlet head nike shoes on sale office cheap mont blanc pens around Cuperto, nike shoes on sale Carolina. cheap nike basketball shoes


 


You are air max able to cheap nike running shoes sophisticated about beats by dre the quarterfinals under armour discount initially beats solo in technique cheap jordan shoes a story christian louboutin shoes getting cheap beats headphones 12 5 cheap nike shoes enlighten cheap beats by dr dre new puma shoes for women york new jordans shelter. moncler jackets Denison beats by dre sale progressed with beats headphones cheap a 12 3 enlighten under armour womens shoes Aurora. nike clearance Nine cheap nike basketball shoes athletes red bottom heels distributed cheap jordans the cheap nike air max rating metal adidas stan smith sheet nike air max to air max the red bottom shoes for men Big yellow. Owen(Old 29), September 1, 1869, Found jordans for cheap when christian louboutin shoes it cheap jordans for sale comes beats by dre cheap to cheap jordans online white color company, AR. nike shox clearance The beats solo wedding mont blanc ballpoint pens is cheap nike basketball shoes regarded as nike shox clearance mixed operating retro jordans across beats by dre on sale Vol. beats by dre wireless s, kate spade sale World moncler men wide nike air max web web-site 253, beats headphones on sale Of the cheap nike basketball shoes marriage licenses of processed jordan 11 Co, AR. cheap nike running shoes


 


She cheap nikes is a great charioteer. beats headphones The woman with speedi, Agile, And jordans for cheap critical. nike clearance store She christian louboutin sneakers is considered to be picturesque beats by dr dre also beats by dre wireless frolicsome, nike factory store Which experts nike outlet online claim nike outlet talks jordans for cheap about jordans on sale your beats headphones wife\'s human cheap nike basketball shoes relationships from reebok classic prefer, Courtship, cheap jordans online And simply the birth, jordans for sale You\'ve jordans for sale made a New nike factory store summers christian louboutin heels solution discount nike shoes to sign air max up a moncler jackets health club, nike outlet online Nonetheless cheap jordan shoes to become in retro jordans for sale the puma sneakers past dreary cheap nike running shoes together nike shox clearance with fast cheap jordans online beating that cheap nike shoes treadmill moncler women machine. Problem?After beats by dr dre that 2016 cheap nike air max may be beats earbuds the year to kate spade handbags have a go at in addition to reebok outlet canine nike clearance private coach cheap nike shoes dressed jordan 13 feet beats earphones during cheap nikes trek cheap nike running shoes passing. nike air max Simple fact is cheap nike shoes that nike shox clearance adventurous beats by dre studio type christian louboutin sale of cheap nikes way of nike factory outlet getting cheap beats by dre your puma shoes for men starting mojo and nike factory store also will take guidance inside nike outlet sty, beats headphones cheap Grassy perhaps mont blanc pens colorless cheap beats tracks cheap puma shoes by cheap jordans for sale way of hilly surfaces and forest. cheap under armour


 


Doing 2007, Minnesotans beats by dre relating air max to the mont blanc pens discount ages beats by dre on sale with regards to 55 reebok pump as well as nike store the nike outlet 64 settled, mont blanc Over, cheap beats $3,056 in nike air max suggest montblanc meisterstuck taxes. Minnesotans between kate spade outlet ages cheap jordans for sale of adidas outlet 75 nike outlet online in moncler sale addition discount nike shoes to 84 puma store fee-based typically $1,649. beats by dre sale Generally, Clients pay nike shox clearance off adidas superstar 40 p\'cent cheap jordans to finally cheap nike air max 50 beats headphones cheap little located moncler sale inside of jordans for sale duty nike store right beats earphones immediately nike outlet store soon just retro jordans once nike store retirement living, adidas store His nike factory store or nike shoes on sale her earnings cheap nike running shoes diminishes nike factory outlet since existence new jordans requires retro jordans extend, cheap nike running shoes


 


Irene louboutin sale Davis, Therapist, jordan 11 Expert nike sale degree, Tutor adidas originals of essential since nike shoes on sale movie representative red bottom heels throughout the cheap nikes moving nike outlet store trauma medical office inside beats by dre the beats headphones on sale institution of beats earbuds Delaware, Pointed out, She nike sale to become jordan 11 persistent to nike outlet feature jordan 13 whole nike clearance store lot great jordans for cheap deal new without nike factory outlet running adidas stan smith shoes mont blanc pens for sale walking in their nike sale living. new jordans Master of jordans on sale science. retro jordans for sale Davis under armour outlet within told me, jordans on sale \"We maybe there overall this christian louboutin outlet problem nike shox clearance along retro jordans for sale with this location cheap beats is nike air max partly red bottom shoes for women due moncler outlet that we beats by dre cheap really puma shoes do air max not red sole shoes allow the muscle group inside your nike store feet cheap beats headphones for nike clearance store what they beats headphones on sale are made mont blanc starwalker to red bottom shoes do, Affirmations in red bottom shoes my position that air max the nike store main focus many adidas superstar put nike factory store on your cheap jordans for sale hard work at Centerworks are nike factory outlet helping nike outlet online to red sole shoes know that moncler outlet your nike clearance feet nike shoes on sale can beats by dre wireless do under armour store what they are nike outlet store meant nike shoes on sale to nike outlet be doing nike clearance store this adidas originals short nike clearance article take, Control, Move, ut, And thus beats headphones get discount nike shoes going cheap beats by dre available cheap nike basketball shoes needed christian louboutin outlet in reebok store support cheap nike air max of retro jordans contentment discount nike shoes that you\'ve got beats by dre sale easy feet,

 12.7.2017 - 05:51:49

chanyuan2017.07.12


cheap jerseys wholesale


pandora charms


coach outlet


michael kors outlet online


louis vuitton


coach outlet clearance


louis vuitton outlet online


ralph lauren outlet


coach outlet online


michael kors outlet stores


nike trainers


louis vuitton outlet


ralph lauren


true religion jeans


coach factory outlet


michael kors outlet clearance


polo ralph lauren outlet


hermes birkin bag


cheap ray ban sunglasses


michael kors outlet


christian louboutin shoes


nike shoes


swarovski jewelry


coach outlet online


pandora charms sale clearance


adidas shoes


mulberry handbags


christian louboutin


nhl jerseys


fitflops


ralph lauren uk


louis vuitton outlet stores


nfl jersey wholesale


oakley sunglasses wholesale


ralph lauren outlet


ralph lauren outlet


louis vuitton


pandora jewelry


cheap oakley sunglasses


cheap football shirts


tods outlet online


ray ban sunglasses outlet


nike air max 1


ralph lauren shirts


michael kors outlet online


lacoste outlet


canada goose outlet store


michael kors outlet online


coach factory outlet


cheap jordan shoes


coach outlet


nfl jerseys


swarovski crystal


michael kors outlet online


gucci outlet online


fitflops


kate spade outlet online


kate spade


hermes outlet


ray ban sunglasses wholesale


uggs outlet


canada goose


true religion outlet


coach outlet


polo ralph lauren outlet


louis vuitton outlet store


lacoste pas cher


air max shoes


thomas sabo charms


louis vuitton outlet


louis vuitton handbags


canada goose jackets


christian louboutin shoes


coach outlet store online


rolex watches outlet


swarovski jewellery


cheap nfl jerseys


coach outlet clearance


christian louboutin


ralph lauren uk


coach outlet store online


cazal outlet


polo ralph lauren outlet


michael kors uk


michael kors outlet clearance


oakley sunglasses wholesale


hollister shirts


pandora jewelery


gucci outlet online


polo ralph lauren


cheap oakley sunglasses


cartier watches for sale


louis vuitton


coach outlet online


louis vuitton outlet online


ray bans


mont blanc pens


polo ralph lauren outlet


coach outlet


nike outlet store online


ferragamo shoes


michael kors uk


louis vuitton outlet online


canada goose uk


true religion outlet


mulberry outlet


birkenstock shoes


coach outlet


coach handbags outlet


cheap oakley sunglasses


fitflops sale clearance


christian louboutin sale


tory burch outlet


ralph lauren?uk


true religion jeans


coach outlet online


ferragamo shoes sale


michael kors outlet clearance


coach outlet


fitflops uk


michael kors outlet clearance


cheap oakley sunglasses


mulberry uk


polo outlet


cartier outlet


michael kors outlet


polo ralph lauren


nhl jerseys wholesale


coach outlet


coach factory outlet


prada sunglasses for women


oakley sunglasses wholesale


michael kors outlet clearance


polo ralph lauren


nike air huarache


michael kors outlet clearance


rolex watches


nike shoes


louis vuitton outlet


cheap oakley sunglasses


mulberry bags


nike trainers uk


ralph lauren outlet


ferragamo shoes


cheap replica watches


coach outlet clearance


polo outlet


michael kors outlet store


ralph lauren polo


coach outlet store online


hermes belts


pandora jewellery


giuseppe zanotti shoes


longchamp


michael kors outlet online


lacoste shirts


coach outlet store online


louis vuitton outlet stores


oakley sunglasses


coach outlet online


nike air max 90


louis vuitton


nike trainers


coach outlet


 28.8.2017 - 06:06:24

chanyuan2017.08.28


michael kors outlet clearance


mbt shoes outlet


montblanc pens


oakley sunglasses


coach outlet


coach outlet


canada goose jackets


fitflops sale clearance


Nike Free shoes


michael kors outlet


tory burch outlet


adidas trainers


converse shoes


michael kors handbags


ysl outlet


christian louboutin uk


tods outlet


nike air max 2015


ed hardy clothing


ugg outlet


mulberry handbags


fitflops outlet


kate spade handbags


new balance shoes


canada goose outlet


thomas sabo


coach outlet


christian louboutin outlet


canada goose


coach factory outlet


cheap jordans


cheap jordans


coach outlet


cheap nhl jerseys


burberry outlet


vans shoes


coach outlet online


coach outlet online


true religion outlet


ugg boots


chrome hearts


ray bans


ray ban sunglasses


polo ralph lauren


canada goose outlet


christian louboutin online


adidas nmd runner


michael kors outlet


nfl jersey wholesale


ray bans


michael kors outlet


ugg outlet,ugg outlet clearance,uggs outlet,ugg outlet online clearance,ugg outlet store,ugg outlet online store,ugg outlet sale,ugg outlet coupons,ugg outlet boots


nike shoes


longchamp solde


ferragamo shoes


coach outlet online


ugg outlet


cazal sunglasses


true religion jeans


coach outlet online


coach factory outlet


reebok outlet store


birkenstock outlet


tory burch outlet


adidas nmd


futbol baratas


ugg outlet,ugg outlet store,uggs outlet,ugg outlet online clearance,ugg outlet coupons,ugg outlet boots,ugg outlet online store,ugg outlet sale


longchamp pliage


supra shoes


coach outlet


puma outlet


mbt shoes


ugg outlet


fitflops sale


ferragamo outlet


ferragamo shoes


nike store


soccer jerseys


michael kors factory outlet


michael kors wallets


oakley sunglasses


ferragamo shoes


christian louboutin outlet


ray ban sunglasses


canada goose outlet


true religion jeans


tory burch outlet


coach outlet


swarovski outlet


ray-ban sunglasses


ferragamo outlet


ray ban sunglasses


hermes outlet


pandora jewelry


giuseppe zanotti outlet


christian louboutin shoes


jordan shoes


polo outlet


swarovski crystal


michael kors outlet


adidas shoes


yeezy boost 350


canada goose outlet


lebron james shoes


fitflops


longchamp handbags


ecco shoes


coach outlet online


herve leger outlet


ray ban sunglasses


ray ban sunglasses


ugg outlet


cheap nfl jerseys


coach outlet


oakley sunglasses


michael kors outlet


basketball shoes


coach outlet online


coach outlet


michael kors handbags


ralph lauren pas cher


true religion outlet


reebok trainers


longchamp handbags


michael kors handbags


michael kors handbags


nike foamposite


ugg outlet


fred perry polo shirts


oakley sunglasses


mulberry outlet store


coach factory outlet


moncler jackets


true religion jeans


kobe shoes


ralph lauren polo


fitflops


michael kors outlet


cheap mlb jerseys


nike shoes


oakley sunglasses wholesale


true religion jeans


football shirts


longchamp outlet


ray ban sunglasses


mcm outlet


oakley sunglasses wholesale


michael kors outlet


nike factory outlet


pandora outlet


mulberry handbags


coach outlet


mont blanc pens


coach factory outlet


ray ban sunglasses


canada goose outlet


swarovski crystal


michael kors


pandora charms


oakley sunglasses


longchamp outlet


ralph lauren outlet


coach outlet canada


bottega veneta outlet


kate spade outlet


canada goose jackets