Ngu: Erica Stanojevic, July 18, 2019
Amadolobha nezindawo zibamba izigidigidi zamaRandi emali yomphakathi ebhange laseWall Street. Ngokusemthethweni, la mabhange ezinkampani ayenayo futhi alawula le mali, ayisebenzisela ukukhokhela izimboni eziyingozi kubandakanya: amajele angasese, izikhungo zokuboshwa, abafaki bezikhali, amapayipi amachiza, kanye nezinye izimali ezibeka phambili inzuzo yenkampani kubantu naseplanethi. Lawa mabhange-amakhulu-nakwehlulekayo nawo asebenzelana nemikhuba enobungozi nokukhwabanisa okwaphazamisa umnotho wezwe ku-2008. Yingakho i I-California Public Banking Alliance (CPBA), inhlangano yezinhlangano kanye nezishoshovu eCalifornia, isebenza ukudala amabhange omphakathi anemiphakathi kanye nesifundazwe aphethe imvelo. Ukubhankwa komphakathi kuyithuluzi elinamandla lokugcina umkhokhi wentela emiphakathini yendawo.
I-CPBA ikhuthaza umthetho ozosinika omasipala igunya lokudala amabhange asemphakathini eCalifornia. Umhlangano weBanchester Banking Banking Bill 857 (AB 857) uhambise uMkhandlu futhi manje useSenate. Izosungula uhlaka olulawulwayo lwezinhlelo zamabhange omphakathi esifundazweni okubandakanya: i-charter ephethwe umphakathi, ama-anti-corruption, kanye no-100% obala. Amabhange omphakathi akhuthaza uhlelo oluzimele olulawulwa ngumphakathi olubhekiswe kubantu abakhonza. Ngokungafani namabhange asemfihlo, okubeka phambili ukubuyisela abanikazi bamasheya, amabhange omphakathi asebenzisa isisekelo sabo sokufaka imali kanye namandla okuboleka ukuze azuze umphakathi.
UBill AB 857 ubhaliwe ngakho-ke ohulumeni basekhaya bakhela izakhiwo eziphendula izidingo zemiphakathi yabo. Ngokuvamile, uma iphrojekthi yengqalasizinda yomphakathi ixhaswa ngemali, cishe isigamu sabakhokhi bentela abasebenzisa imali bayayibhadela izibopho. Le mali ihlanganisa kokubili izimali nezithakazelo zebhange. Konke lokhu kuyadingeka ngoba imali yentela yendawo izoqoqwa kancane kancane eminyakeni eminingana, kuyilapho iphrojekthi idinga imali enkulu ngokushesha ukuze iqale. Ibhange lomphakathi akudingeki likhokhise amanani aphakeme, kuncishiswe izindleko zengqalasizinda, kanti inzalo ephansi kakhulu ekhokhiswayo isetshenziselwa emuva emphakathini (esikhundleni sezitshalomali zaseWall Street).
I-charter ingadinga ukutshala izimali zokuziphatha. Ngemuva kwemibhikisho e-Standing Rock, imizi eminingi yaveza ukuthi ihlose ukuhlukanisa amafutha, kodwa yayingenayo indlela yokwenza kanjalo. Amabhange omphakathi angadingeka ukuthi atshale izimali zamatshe noma izimboni zempi. Ngomqulu oqinile futhi uqhubeka nokubhekwa komphakathi, singasebenzisa ibhange lomphakathi njengesindlela ihlukanisa empini. Esikhundleni salokho, imiphakathi ingakhetha ukugxila ekutshalweni kwezimali kwizinqubo zokuvuselela.
Amabhange omphakathi aphumelele. I-Bank yaseNyakatho Dakota yabhekana nokwehliswa kwezomnotho ngenxa yokwazi kwayo ukusebenzisana nezinyunyana zemali kanye namabhange wendawo ukukhuthaza ukuthuthukiswa komnotho ngaphakathi kombuso. Inethiwekhi enamandla yamabhange omphakathi eJalimane uye yasiza ukuvuselela amandla okuvuselela amandla. Amabhange omphakathi adalwe ngaphansi kwe-AB 857 ayodinga ukuthola umshuwalense we-FDIC (federal), futhi abe nezidingo ezifanayo ze-collateralization amabhange angasese enza.
Ngomthetho-sisekelo, izinyunyana zezikweletu zikhawulelwe enanini lemali abangaziphatha, ngakho-ke abekho esimweni sokwamukela nokuphatha amadiphozi amakhulu, njengayo yonke intela yempahla eqoqwe yisifunda. Bangakwazi, kepha, kanye namabhange asendaweni, basebenze njengezikhungo zensiza "yezitini nodaka" yemali yomphakathi. Lokhu kuzokwandisa iqhaza lezinyunyana zezikweletu kanye namabhange endawo. I-AB 857 idinga ukuthi izinsizakalo zokuthengisa ezinikezwa yibhange lomphakathi zenziwe ngokubambisana nezikhungo zezezimali zendawo, ngaphandle kwalapho zingekho izinyunyana zezikweletu endaweni.
Isikhathi sishintsha ubuhlobo bethu noMhlaba. Ngokunika amandla emiphakathini yakithi ukuba siqaphele ukuthi sisebenzisa kanjani izinhlelo zethu zezimali, singakwazi ukuhlukanisa impi futhi silwele ukuphulukisa umhlaba. Sinethuba lokudala enye inkokhelo yebhange ngokusebenzisa amabhange omphakathi alawulwa yilapho, ngaphansi komphakathi nangokwezemvelo, okwenza amadolobha nezindawo ziphinde ziphinde ziphinde ziphinde zithole amadola omphakathi, kanti zinezwi ngokuxhasa ngemiphakathi yethu.
Ukuze uthole ulwazi oluthe xaxa mayelana nokubhanka komphakathi, hlola I-Public Banking Institute futhi I-California Public Banking Alliance.
Izimpendulo ze-2
umndeni wami usebenzisa amabhange futhi angibangeli ukuthi ngisebenzise imali kuphela njengomnikelo.
Bengilokhu ngithi okwesikhashana manje sidinga ukuvala iWall St. futhi sisabalalise ingcebo yaso esifundeni ngasinye. IWall St ingumbuso wedwa ngoba yileyondlela abayifunayo futhi bachithe konke okunye ukushintshisana. Sidinga ukubuyela ekutshalweni kwezinga likahulumeni kanye nokuhwebelana emazingeni ombuso okudinga izinkampani ezikulawo mazwe ukuthi zithole imali ngezimali zombuso. Impela akudingeki ukuthi kukhawulelwe koyedwa kungaba yinye esifundeni ngasinye. Ngokuyisisekelo ubuyisela ukulawula ezifundeni lapho izinkampani zisebenza khona futhi izwe ngalinye linquma imithetho yamabhizinisi abafuna ukuwasekela edala amabhange wombuso.