Ka: Erica Stanojevic, July 18, 2019
Metse le libaka li na le libilione tsa liranta tsa chelete ea sechaba mabaleng a Wall Street. Ka molao, libanka tsa khoebo li na le taolo ena, tseo li li sebelisang ho lefella liindasteri tse kotsi tse kenyeletsang: lichankana tsa boinotšing, litsi tsa bojaki, lihlahisoa tsa libetsa, liphaephe tsa lichelete tsa khale, le lichelete tse ling tse fanang ka phaello ea khoebo ho batho le polanete. Tsena le libanka tse kholo-ho-hlōleha li boetse li kopanela mekhoeng e kotsi le e bolotsana e ileng ea senya moruo oa lefatše ka 2008. Ke ka lebaka leo California Public Banking Alliance (CPBA), mokhatlo oa mekhatlo le bahlaseli ba California, o sebetsa ho bopa libanka tsa sechaba tsa sechaba le tsa libaka tse nang le boikarabelo ba sechaba. Banka ea sechaba e sebetsa e le sesebelisoa se matla sa ho boloka lekhetho la lidolara lichabeng tsa moo.
CPBA e buella molao o tla fa metse matla a ho etsa libanka tse nang le sechaba ho pholletsa le California. California 857 (AB 857) Phutheho ea Sechaba ea Bacha e tsamaile ka sekepe ho ea ka Senate ebile e se e le Senate. E tla theha moralo oa tsamaiso ea tsamaiso ea libanka tsa sechaba naheng eo ho kenyelletsang: mokhatlo o nang le boikarabello ba sechaba, likarolo tse khahlanong le bobolu, le 100% tse hlakileng. Libanka tsa sechaba li khothalletsa tsamaiso ea lichelete e ikemetseng le e tsamaisoang phatlalatsa e ikarabellang ho batho bao ba e sebeletsang. Ho fapana le libanka tsa batho ba nang le boinotšing, tse etsang hore baemeli ba khutlele morao, libanka tsa sechaba li sebelisa setsi sa bona sa deposit le matla a ho alima ho thusa sechaba.
Bill AB 857 e ngotsoe kahoo mebuso ea libaka e theha mehaho e arabelang litlhoko tsa sechaba sa habo bona. Hangata, ha morero oa sechaba oa motlakase o tšehetsoa, hoo e batlang e le halofo ea ba lefang lekhetho ba lefella likoloto tse tsosolosang. Chelete ena e kenyelletsa phaello le lichelete tsa banka. Sena sohle se hlokahala hobane chelete ea lekhetho ea sebakeng seo e tla bokelloa butle-butle ka lilemo tse 'maloa, athe morero o hloka chelete e lekaneng ea ho qala. Banka ea sechaba ha ea lokela ho lefella litšenyehelo tse phahameng, ho fokotsa litšenyehelo tsa mehaho, ha thahasello e itekanetseng ka ho fetisisa e kenngoa ka hara sechaba (ho e-na le ho baeti ba Wall Street).
Mokhatlo o ka hloka hore ho be le mekhoa e metle ea lichelete. Ka mor'a melaetsa ea Standing Rock, metse e mengata e ile ea bolela hore e ikemiselitse ho arola oli, empa e ne e se na mokhoa oa ho etsa joalo. Libanka tsa sechaba li ka hlokoa hore li se ke tsa kenya lichelete kapa liindasteri tsa ntoa. Ka mochine o matla le ho tsoela pele ho lebela puso ea sechaba, re ka sebelisa banka ea sechaba e le mokhoa oa ho etsa joalo ho arohana ntoeng. Ho e-na le hoo, sechaba se ka khetha ho lebisa tlhokomelo holima mekhoa ea bocha.
Libanka tsa sechaba li atlehile. Banka ea North Dakota e ile ea kopana le moruo o fokolang ka lebaka la bokhoni ba eona ba ho sebelisana le mekhatlo ea likoloto le libanka tsa moo ho ntšetsa pele nts'etsopele ea moruo ka hare ho naha. Lebenkele le matla la libanka tsa Jeremane le thusitse ho hlahisa matla a bocha a matla a matla. Libanka tsa sechaba tse entsoeng tlas'a AB 857 li tla hloka ho fumana inshorense ea FDIC (muso), 'me e be le litlhoko tse tšoanang tsa likoloi tseo mabenkele a ikhethang a li etsang.
Ho latela charter, mekhatlo ea mekoloto e fokotsoe palo ea chelete eo ba ka e tsamaisang, ka hona ha ba maemong a ho amohela le ho sebetsana le li-depositi tse kholo, joalo ka lekhetho lohle la thepa le bokelloang ke setereke. Leha ho le joalo, hammoho le libanka tsa lehae, ba ka sebetsa e le litsi tsa lits'ebeletso tsa "litene le seretse" bakeng sa chelete ea sechaba. Sena se ka holisa karolo ea mekhatlo ea mekoloto le libanka tsa lehae. AB 857 e hloka hore lits'ebeletso tsa thekiso tse fanoeng ke banka ea sechaba li tsamaisoe ka kopanelo le litsi tsa lehae tsa lichelete, ntle le haeba ho se na mekhatlo ea mekoloto sebakeng seo.
Ke nako ea hore re fetole kamano ea rona le Lefatše. Ka ho matlafatsa sechaba sa habo rona ho tseba ka hore na re sebelisa mekhoa ea rona ea lichelete joang, re ka arohanya le ntoa 'me ra leka ho folisa Lefatše. Re na le monyetla oa ho etsa kgetho e 'ngoe ea banka ka libanka tsa sechaba tse laoloang ke sechaba, tsa sechaba le tsa tikoloho, ho nolofalletsa metse le metse ho khutlisa liranta tsa sechaba, ha re ntse re bua ka ho tšehetsa sechaba sa habo rona.
Bakeng sa tlhahisoleseding e eketsehileng ka banka ea sechaba, hlahloba Setsi sa Sechaba sa Banka le California Public Banking Alliance.
Likarabo tsa 2
lelapa la ka le sebelisa libanka 'me ha ke etse hore ke sebelise chelete feela e le monehelo.
Haesale ke ntse ke re joale re hloka ho koala Wall St. le ho aba leruo la eona ho mmuso o mong le o mong. Wall St ke monopoly hobane ke tsela eo ba e batlang ka eona mme ba sentse phapanyetsano e ngoe kaofela. Re hloka ho khutlela ho tsetelo ea boemo ba mmuso le phapanyetsano ea maemo a mmuso e hlokang hore likhoebo tse ka har'a linaha tseo li fumane chelete ka phapanyetsano ea mmuso. Ehlile ha ea tlameha ho lekanyetsoa ho e le ngoe e kanna ea ba e le ngoe seterekeng. Ha e le hantle u khutlisetsa taolo liprofinseng tseo likhoebo li sebetsang ho tsona 'me mmuso o mong le o mong o etsa qeto ea melao ea likhoebo tseo ba batlang ho li tšehetsa tse hlileng li thehang libanka tsa mmuso.