The Public Bank Solution
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The Public Bank Solution
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Author : Ellen Hodgson Brown
language : en
Publisher:
Release Date : 2013-06-01
The Public Bank Solution written by Ellen Hodgson Brown and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-06-01 with Business & Economics categories.
WHAT WALL STREET DOESN'T WANT YOU TO KNOW. Shock waves from one Wall Street scandal after another have completely disillusioned us with our banking system; yet we cannot do without banks. Nearly all money today is simply bank credit. Economies run on it, and it is created when banks make loans. The main flaw in the current model is that private profiteers have acquired control of the credit spigots. They can cut off the flow, direct it to their cronies, and manipulate it for personal gain at the expense of the producing economy. The benefits of bank credit can be maintained while eliminating these flaws, through a system of banks operated as public utilities, serving the public interest and returning their profits to the public. This book looks at the public bank alternative, and shows with examples from around the world and through history that it works admirably well, providing the key to sustained high performance for the economy and well-being for the people.
Public Bank Solution
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Author : AbundioTeca
language : en
Publisher: AbundioTeca
Release Date : 2015-03-13
Public Bank Solution written by AbundioTeca and has been published by AbundioTeca this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-03-13 with categories.
"... The problem is that for centuries we have a system banking based on debt, all our money is backed by government debt. Therefore, we can not extinguish the debt without extinguishing our source of currency. For this reason, cancel the debt issued without reforming the banking system, is an impossibility. As such, the solution is not to discuss the size of the debt, but a reform of the banking system and money ... "
Banking On The People
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Author : Ellen Brown
language : en
Publisher: Democracy Collaborative
Release Date : 2019-05
Banking On The People written by Ellen Brown and has been published by Democracy Collaborative this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-05 with categories.
Today most of our money is created, not by governments, but by banks when they make loans. This book takes the reader step by step through the sausage factory of modern money creation, explores improvements made possible by advances in digital technology, and proposes upgrades that could transform our outmoded nineteenth century system into one that is democratic, sustainable, and serves the needs of the twenty-first century. Ellen Brown is the founder and chairman of the Public Banking Institute and a Fellow at The Democracy Collaborative.
The Solution Is Full Reserve 100 Reserve Banking
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Author : Ralph . Musgrave.
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2014-09-26
The Solution Is Full Reserve 100 Reserve Banking written by Ralph . Musgrave. and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-09-26 with categories.
The banking crisis and recession which started around 2007 and the astronomic amounts of public money used to bail out banks made it obvious that there was something seriously wrong with the banking system. This was very much a repeat of the 1929 crash and subsequent bank failures and recession. One response in the 1930s was the promotion of full reserve or "100% reserve" banking particularly by economists at the University of Chicago. However, full reserve banking while it benefits ordinary households and the economy as a whole does not benefit banks or the politicians funded by banks. That is, as Milton Friedman pointed out, full reserve (FR) tends to be opposed by vested interests. And in the 1930s, the vested interests won. However, the 2007 crisis caused a re-consideration of FR, and this book sets out the arguments for it. One merit of FR is its simplicity. It is certainly simple compared to other attempts at bank reform taking place at the time of writing, e.g. Dodd-Frank in the US or the Vickers proposals in the UK. Essentially FR consists of splitting the banking industry in two. One half is for those who want specific sums of money kept in a totally safe fashion. That money is not safe because of any sort of artificial taxpayer funded subsidy or guarantee, which is how bank accounts are currently made safe. The money is safe because it is INHERENTLY safe: that is, the money is just lodged at the central banks and/or it is invested in short term government debt. The second half offers loans to mortgagors, businesses and so on, but that half is funded just by shares, not by deposits which banks claim to be entirely safe (but which clearly are not entirely safe unless they are backed by artificial taxpayer funded guarantees). One of the many advantages of full reserve is that it is near impossible for the entities or banks making up those two halves to suddenly fail, and thus spark off credit crunches or recessions. Though given poor management, any of those entities can slowly decline, resulting perhaps in a take-over by more competent entities / banks. Also FR banking does not require any sort of subsidy, plus there needn't be any limit the amount of money that any individual can lodge in a totally safe fashion, that limit being £85,000 at the time of writing in the UK. FR results in, 1 less borrowing and lending, 2 a rise in interest rates, and 3 a decline in debts. However, that rise in interest rates would be small compared to the HUGE VARIATIONS in interest rates over the last thirty years or so. Moreover, in the UK, the size of the banking industry relative to GDP is currently about TEN TIMES the 1960s level, and it is unclear what benefits we derive from that bloated banking industry. Thus the slight contraction in the banking industry that would occur under FR would probably do no harm. This book is split into three sections. Section one sets out the basic nature of FR. Section two deals with the very large number of objections which have been made against FR. Most of these objections, even though they are put by so called professional economists, are very silly. No knowledge of economics is needed to rebut them: just common sense. In contrast, some objections are more plausible, though actually flawed. But that is not to say that the ADVOCATES of FR are perfect: section three of the book deals with some popular but flawed arguments put FOR full reserve. A final and interesting characteristic of FR is thus. Under the existing system, the large majority of money in circulation originates with commercial banks, not government or the central bank. In contrast, under FR all money is issued by the central bank. There has actually been a huge rise in the proportion of our money supply originating with central banks as a result of quantitative easing in recent years. That does not seem to have caused big problems.
The Global Findex Database 2017
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Author : Asli Demirguc-Kunt
language : en
Publisher: World Bank Publications
Release Date : 2018-04-19
The Global Findex Database 2017 written by Asli Demirguc-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-19 with Business & Economics categories.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Capitallessism
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Author : Anthony Horvath, PhD
language : en
Publisher: Xlibris Corporation
Release Date : 2015-10-15
Capitallessism written by Anthony Horvath, PhD and has been published by Xlibris Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-10-15 with Business & Economics categories.
About the Book: a blueprint for national E-conomy. 5 STAR rating by Pacific Book Review. MICHAEL MOORE tells us his new movie will change America. OUR BOOK WILL TELL YOU HOW MY BOOK TRAILER CAPITALLESSISM proposes : a strong free-enterprise-based democratic national E-conomy model when no capital is available, either because of a crisis or by speculations. ..scientific solutions for a capital-less public cooperative banking system. .economic engineering to create a commodity-based virtual-capital, .a national public bank, .a nationalized artificial capital creation process called fractional-reserve-banking rights, licensed back to banks (in return for sharing the created public-E-capital with the government), and various processes to activate its E-capital circulation, This is not Socialism, nor Communism. It is COMMUNITY-ISM based on human and spiritual values where inequalities will still exist resulting from individual efforts, but everybody has a fair financial starting chance for free enterprise. Some of our controversial ideas are not politically right. Austerity is outdated. The nature of national debts may be reexamined. It is inspired by Roosevelts second bill of rights and Edisons visions of a commodity-based currency. Our MACRO-MODEL is inspired by our efficient blood circulatory system, which provides oxygen to trillions of cells. We copy this for an efficient E-capital circulation model to assure survival and to sustain everyones productivity. www.capitallessism.com Excerpts Pacific Book Review www.pacificbookreview.com: .CAPITALlessISM, interestingly compares our economic system to a biological circulatory system. . the prototype for economic engineesring. . is a mindset of a macro-model for redesigning our inefficient national economy. . that remedies a lack of capitalThe human factor and spiritual God element are fundamental. . a decrease of inequalities among people and an emphasis on democracy, .Benefit ..includes the cancellation of most national debts Excerpts the U.S. review of Books http://www.theusreview.com/: innovative and thought-provoking book, .. a new economic model, one that can function where no capital is available and that embraces the concept of "community-ism.". his synthesis of various models is unique..
Core Banking Solution
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Author : M. REVATHY SRIRAM
language : en
Publisher: PHI Learning Pvt. Ltd.
Release Date : 2008-05-28
Core Banking Solution written by M. REVATHY SRIRAM and has been published by PHI Learning Pvt. Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-05-28 with Business & Economics categories.
This compact and concise study provides a clear insight into the concepts of Core Banking Solution (CBS)—a set of software components that offer today’s banking market a robust operational customer database and customer administration. It attempts to make core banking solution familiar to the professionals and regulatory authorities, who are responsible for the control and security of banks and shows that by using CBS, banking services can be made more customer friendly. This well-organized text, divided into two parts and five sections, begins (Part I) with the need for core banking solution technology in banking system, its implementation and practice. It then goes on to a detailed discussion on various technology implications of ATM, Internet banking, cash management system, and so on. Part I concludes with Business Continuity Planning (BCP) and Disaster Recovery Planning (DCP). Part II focuses on components of audit approach of a bank where the core banking solution has been in operation. Besides, usage of audit tools and study of audit logs have been discussed. KEY FEATURES : Suggested checklists for performing audits are included. An exclusive chapter is devoted to Case Studies based on fraudulent activities in banks due to lack of security and controls. Useful Web references have been provided. Contains relevant standards of international body ISACA, USA. This book would be useful for the Chartered Accountants who are Auditors of various banks. It would help the External System Auditors and the Auditors who perform concurrent system audit of banks and also for the Officers of the Department of Banking Supervision of the Reserve Bank of India and others who have the responsibilities of regulating the security and controls in the banks. In addition, it would be extremely useful to the bankers who have Information Technology as one of the subjects for the CAIIB examination. This book is a trailblazer in the Indian Banking scene. It makes tremendous and vital contribution to the aspect of Computer Assurance and Risk Management in Banking. — N. VITTAL, I.A.S. (Retd.), Former Central Vigilance Commissioner
Web Of Debt
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Author : Ellen Hodgson Brown
language : en
Publisher:
Release Date : 2012
Web Of Debt written by Ellen Hodgson Brown and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
"Web of Debt" unravels deceptions about the money system and presents a crystal-clear picture of the upcoming financial abyss. The text also explores a workable alternative, one that was tested in colonial America and is grounded in the best of American economic thought, including the writings of Benjamin Franklin, Thomas Jefferson, and Abraham Lincoln.
Money And Justice
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Author : Leszek Niewdana
language : en
Publisher: Routledge
Release Date : 2015-02-11
Money And Justice written by Leszek Niewdana and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-11 with Philosophy categories.
Money has always represented power. For Aristotle, this power was inseparable from the exercise of justice within a community. This is why issuance of money was the prerogative of the lawful authority (government). Such a view of monetary power was widespread, and includes societies as distant as China. Over the past several centuries, however, private interests increasingly tapped into the exercise of the money power. Through gradual shifts, commercial banks have gained a legally protected right to create money through issuance of debts. The aim of this book is to unravel various layers hiding the real workings of modern money and banking systems and injustices ingrained in them. By asking what money really is, who controls it and for what purpose (why), the book provides insight into understanding of modern money and banking systems, as well as the causes of growing financialization of economies throughout the world, money manias and economic instability. The book also increases the awareness of injustices hidden in the workings of modern money and banking systems and the need for moral underpinnings of such systems. Finally, it suggests a money system which could immensely improve human, economic, and ecological conditions.
Dealing With The Challenges Of Macro Financial Linkages In Emerging Markets
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Author : Otaviano Canuto
language : en
Publisher: World Bank Publications
Release Date : 2013-10-29
Dealing With The Challenges Of Macro Financial Linkages In Emerging Markets written by Otaviano Canuto and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-29 with Business & Economics categories.
This book deals with the challenges of macro financial linkages in the emerging markets.