{"id":7326,"date":"2013-03-27T19:42:26","date_gmt":"2013-03-27T23:42:26","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=7326"},"modified":"2013-03-27T19:42:26","modified_gmt":"2013-03-27T23:42:26","slug":"forget-too-big-to-fail-kill-the-fractional-reserve-banking-system","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2013\/03\/27\/forget-too-big-to-fail-kill-the-fractional-reserve-banking-system\/","title":{"rendered":"Forget too-big-to-fail: Kill the fractional reserve banking system"},"content":{"rendered":"

Interesting discussion on Bloomberg<\/a> about currency-backed deposits and equity-funded loans.<\/p>\n

The fractional reserve banking system is the primary cause of instability and asset bubbles in the global economy, allowing banks to create money out of thin air. Credit expansion above the rate of real GDP growth has only two possible consequences: inflation or asset bubbles. Both do serious long-term damage to the economy.<\/p>\n

Under the current system, banks create new money by making loans where they don\u2019t have deposits. The recipient of the loan generally deposits the money back in the banking system, allowing banks to fund newly-created loans with newly-created deposits. The fractional reserve system enables banks to rapidly expand credit as demand grows, but at the risk of creating a bubble.<\/p><\/blockquote>\n

Requiring banks to hold 100% reserves against deposits — either government bonds and short-term bills or central bank deposits — would remove the risk of bank runs and the need for deposit insurance. It would also eliminate bank bailouts and the subsidy of too-big-to-fail banks by the taxpayer. Volcker rule<\/em> restrictions on proprietary trading would become unnecessary, with banks no longer able to bet with their customers’ money.<\/p>\n

Credit would be equity-funded rather than deposit funded. While this model may seem strange to the reader, it was successfully used by German banks to fund Germany’s industrial expansion in the early 20th century and is still employed by investment banks and private equity funds to finance major ventures today. Islamic banks follow similar principles.<\/p>\n

It would be a fairly simple exercise to structure different tiers of equity\u00a0— with commensurate returns — that participate in different levels of risk. Banks would not be restricted from issuing bonds, but the ratio of debt to equity and access to the retail market could be strictly controlled by regulators.<\/p>\n

Fractional reserve banking is not an essential component of capitalism. All that we need is an efficient financial intermediary to channel savings into capital investment. When one considers the costs\u00a0of the present system — especially the massive wealth destruction wrought by an unstable banking system — the alternative is a lot more appealing.<\/p>\n","protected":false},"excerpt":{"rendered":"

Interesting discussion on Bloomberg about currency-backed deposits and equity-funded loans. The fractional reserve banking system is the primary cause of instability and asset bubbles in the global economy, allowing banks to create money out of thin air. Credit expansion above the rate of real GDP growth has only two possible consequences: inflation or asset bubbles. … <\/p>\n

Continue reading “Forget too-big-to-fail: Kill the fractional reserve banking system”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-7326","post","type-post","status-publish","format-standard","hentry","category-the-fed-banks-interest-rates"],"yoast_head":"\nForget too-big-to-fail: Kill the fractional reserve banking system - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Forget too-big-to-fail: Kill the fractional reserve banking system - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Interesting discussion on Bloomberg about currency-backed deposits and equity-funded loans. The fractional reserve banking system is the primary cause of instability and asset bubbles in the global economy, allowing banks to create money out of thin air. 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Fractional reserves give our thousands of commercial banks\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":5791,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/10\/22\/the-chicago-plan-1939\/","url_meta":{"origin":7326,"position":2},"title":"The Chicago Plan (1939)","author":"Colin Twiggs","date":"October 22, 2012","format":false,"excerpt":"The 1939 proposal -- A PROGRAM FOR MONETARY REFORM -- by a group of eminent economists, including Irving Fisher, became known as the \"Chicago Plan\" after its chief proponent, professor Henry Simons from the University of Chicago. The core proposal is to require banks to hold 100% reserves against demand\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":5785,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/10\/21\/the-chicago-plan-revisited-imf-working-paper\/","url_meta":{"origin":7326,"position":3},"title":"The Chicago Plan Revisited | IMF Working Paper","author":"Colin Twiggs","date":"October 21, 2012","format":false,"excerpt":"There is growing interest in this IMF Working Paper by Jaromir Benes and Michael Kumhof which discusses removing the role of monetary creation from fractional-reserve banks and assigning it to Treasury. Here is a brief abstract: At the height of the Great Depression a number of leading U.S. economists advanced\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":5828,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/10\/24\/the-chicago-plan-criticism-by-marshall-auerback\/","url_meta":{"origin":7326,"position":4},"title":"'The Chicago Plan' criticism by Marshall Auerback","author":"Colin Twiggs","date":"October 24, 2012","format":false,"excerpt":"Marshall Auerback wrote a short piece criticizing the recent IMF study of the \"Chicago Plan\" first put forward by professors Henry Simons and Irving Fisher in 1936. \"Now there are some good things about\u00a0a 100% reserve backed banking system.\u00a0 To the extent that we\u00a0require all institutions to hold liquid reserves\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3443,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/02\/08\/new-economic-perspectives-banks-werent-meant-to-be-like-this-what-will-their-future-be-and-what-is-the-governments-proper-financial-role\/","url_meta":{"origin":7326,"position":5},"title":"New Economic Perspectives: Banks Weren\u2019t Meant to Be Like This. What Will their Future Be \u2013 and What is the Government\u2019s Proper Financial Role?","author":"ColinTwiggs","date":"February 8, 2012","format":false,"excerpt":"So we are brought back to the question of what the proper role of banks should be. This issue was discussed exhaustively prior to World War I......... It was above all in Germany that long-term financing found its expression in the Reichsbank and other large industrial banks as part of\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/7326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/comments?post=7326"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/7326\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=7326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=7326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=7326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}