Ndi: Erica Stanojevic, July 18, 2019
Mizinda ndi maboma amagwira mabiliyoni ambirimbiri a ndalama pamabanki a Wall Street. Mwamwayi, mabanki a mgwirizanowo ali ndi ndalamazi, zomwe amagwiritsa ntchito kuti azigulitsa mafakitale owopsa kuphatikizapo: ndende zapadera, malo osungirako anthu ogwidwa, osamukira zida, mapaipi a mafuta osungirako zinthu, ndi ndalama zina zomwe zimapangitsa kuti phindu lazinthu likhalepo pa anthu ndi dziko lapansi. Mabungwe awa-akuluakulu mpaka akulephera akuchitiranso njira zoopsa ndi zachinyengo zomwe zinagonjetsa chuma cha padziko lonse mu 2008. Ndicho chifukwa chake California Public Banking Alliance (CPBA), mgwirizano wa mabungwe ndi ovomerezeka ku California, akugwira ntchito yopanga mabanki apamtunda ndi a m'madera omwe ali ndi mabungwe omwe amayang'anira zachilengedwe. Mabanki a boma ndi chida chothandiza kusunga ndalama za msonkho m'madera ammudzi.
CPBA ikulimbikitsa lamulo lomwe lidzapereka ma municipalities mphamvu yolenga mabanki a boma ku California. California Public Banking Assembly Bill 857 (AB 857) wapita kudutsa Msonkhano ndipo tsopano ali mu Senate. Idzakhazikitsa dongosolo loyendetsera mabanki a boma m'mayiko omwe akuphatikizapo: Msonkhano wokhudzana ndi anthu, zigawo zotsutsana ndi ziphuphu, ndi 100% mosamala. Mabanki amtunduwu amalimbikitsira kayendetsedwe ka kayendetsedwe ka ndalama ndi kayendetsedwe ka ndalama kwa anthu omwe akutumikira. Mosiyana ndi mabanki omwe ali ndi eni ake, omwe amachititsa kuti abwererenso abwerenso, mabanki am'dziko amayendera maziko awo a ndalama ndi ndalama kuti apindule nawo.
Bill AB 857 yalembedwa kotero maboma ammudzi amapanga nyumba zomwe zimayang'anira zosowa za midzi yawo. Kawirikawiri, polojekiti yoyendetsera ntchito ya boma ikugulitsidwa ndalama, pafupifupi theka la okhoma msonkho amalipiritsa amapita kubwezeretsedwe. Ndalamayi ikuphatikizapo chiwongoladzanja ndi ndalama za banki. Zonsezi ndizofunika chifukwa ndalama za msonkho zakunja zidzasonkhanitsidwa pang'onopang'ono kwazaka zingapo, pomwe polojekiti imafuna ndalama zambiri kuti zitheke. Bungwe laboma siliyenera kulipira ndalama zambiri, kuchepetsa ndalama zowonongeka, pamene chidwi chocheperapo chikuwongosoledwa kumalo ammudzi (mmalo mwa anthu ogulitsa Wall Street).
Msonkho ukhoza kukhala ndi chiwongoladzanja chabwino. Pambuyo pa zionetsero ku Standing Rock, mizinda yambiri idalimbikitsa kugawana mafuta, komabe panalibenso njira yochitira. Mabanki a boma angayesedwe kuti asayambe kugulitsa mu mafuta kapena mafakitale a nkhondo. Ndi lolemba lolimba ndi kupitiriza kuyang'anitsitsa pagulu, tingagwiritse ntchito mabanki a boma ngati njira akulekanitsa ku nkhondo. M'malo mwake, anthu ammudzi angasankhe kuikapo ndalama pazochita zatsopano.
Mabanki a boma ali opambana. Banki ya North Dakota inagonjetsa mavuto a zachuma makamaka chifukwa cha kuthekera kwawo kugwirizana ndi mabungwe a ngongole ndi mabanki am'deralo pofuna kulimbikitsa chitukuko cha zachuma m'boma. Mabanki ambiri ogwira ntchito ku Germany athandiza kulimbikitsa mphamvu zopititsa patsogolo magetsi. Mabanki apamtundu omwe amapangidwa pansi pa AB 857 angafunike kupeza FDIC (federal) inshuwalansi, ndipo azikhala ndi zofanana zomwe mabanki apadera amachita.
Malinga ndi charter, mabungwe azokongoletsa ngongole ali ndi ndalama zochepa zomwe sangakwanitse, kotero sangathe kuvomereza ndikusamalira madipoziti akuluakulu, monga misonkho yonse yamisonkho yomwe boma limasonkhanitsa. Atha, komabe, limodzi ndi mabanki akomweko, amagwira ntchito ngati "njerwa ndi matope" malo opezera ndalama zaboma. Izi zitha kukulitsa ntchito yamabungwe angongole ndi mabanki akomweko. AB 857 imafuna kuti ntchito zogulitsa zoperekedwa ndi banki yaboma zizichitidwa mogwirizana ndi mabungwe azachuma akumaloko, pokhapokha ngati palibe mgwirizano wamagulu m'deralo.
Ndi nthawi yomwe timasintha ubale wathu ndi dziko lapansi. Polimbikitsa anthu ammudzi mwathu kuti adziwe momwe timagwiritsira ntchito ndalama zathu, tikhoza kugawanika ku nkhondo ndikuyesera kuchiritsa dziko lapansi. Tili ndi mwayi wopanga njira zina zabanki kudzera m'mabanki a boma omwe akulamulidwa ndi anthu, omwe akukhala ndi anthu komanso omwe ali ndi chilengedwe.
Kuti mudziwe zambiri zabanki, onani Public Banking Institute ndi California Public Banking Alliance.
Mayankho a 2
Banja langa limagwiritsa ntchito mabanki ndipo sindikuchititsa kuti ndikugwiritse ntchito ndalama basi.
Ndakhala ndikunena kwakanthawi kuti tiyenera shutter Wall St. ndikugawa chuma chake kuboma lililonse. Wall St ndiyokha chifukwa ndi momwe amafunira ndipo awononga kusinthana kwina konse. Tiyenera kubwerera kumasamba azaboma komanso kusinthana kwamaboma komwe kumafunikira mabungwe omwe ali m'maiko amenewo kuti apeze ndalama posinthana ndi boma. Zachidziwikire kuti sizingafanane ndi m'modzi m'modzi akhoza kukhala m'modzi m'boma. Mukubwezeretsanso mphamvu m'maiko momwe mabungwe amagwirira ntchito ndipo boma lililonse limakhazikitsa malamulo amabizinesi omwe akufuna kuthandizira omwe akupanga mabanki aboma.