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Vortrag von Ralf Becker

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Geld neu denken

  1. 1.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Geld neu denken Dipl.-Kfm. Ralf BeckerDipl.-Kfm. Ralf Becker Lunch Lecture 5. Juni 2013Lunch Lecture 5. Juni 2013 www.regiogeld.dewww.regiogeld.de
  2. 2.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Die Entnationalisierung des Geldes Wirtschafts-Nobelpreisträger Friedrich A. Hayek, Freiburg 1980: „Wenn wir wollen, dass freies Unternehmertum und die Marktwirtschaft fortbestehen, haben wir keine andere Wahl, als das Geldmonopol der Regierung und nationale Währungssysteme ... zu ersetzen.“
  3. 3.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Wirtschafts-Nobelpreisträger Friedrich A. Hayek, Freiburg 1980: „Das wichtigste Ergebnis...ist, dass der Hauptmangel des Marktsystems und damit der Grund für wohl gerechtfertigte Vorwürfe – nämlich seine Empfänglichkeit für wiederkehrende Perioden von Depression und Arbeitslosigkeit – eine Konsequenz des uralten Regierungsmonopols der Geldemission ist.“ Die Entnationalisierung des Geldes
  4. 4.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Club of Rome: Geld und Nachhaltigkeit Nicht-nachhaltige Wirkungen unseres Geld- und Finanzsystems • Wachsende Instabilität • Ungerichteter Wachstumszwang • Kurzfristorientierung • Asymmetrische Wohlstands- verteilung • Entwertung von Sozialkapital
  5. 5.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Die Wirkung des Zinseszinses Zuna hm e Zeit c b a Vervielfachung Jahre 0 0 5 10 15 20 25 15 30 45 60 75 12% 6% 3% 1% Vervielfachung Jahre 0 0 5 10 15 20 25 15 30 45 60 75 12% 6% 3% 1%
  6. 6.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Bezahlungs-Alternative 1. Woche: 1.000 0,01 4. Woche: 4.000 0,15 8. Woche: 8.000 2,25 12. Woche: 12.000 41 16. Woche: 16.000 665 20. Woche: 20.000 10.500 21. Woche: 21.000 21.000 24. Woche: 24.000 168.000 26. Woche: 26.000 671.000 Angebot A Angebot B   je Woche 1. Woche 1.000 € 1 Cent gleichbleibend wöchentl. Verdopplung
  7. 7.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Inflation der Vermögenswerte Geldvermögen BSP
  8. 8.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Zinslasten und Zinserträge  80% der Menschen in Deutschland zahlen etwa doppelt soviel an Zinsen wie sie einnehmen  Und 10% bekommen dies als Einkommen aus Zinsen, ohne dafür arbeiten zu müssen Quelle: H. Creutz
  9. 9.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              0 1 2 3 4 5 6 1960- 1969 1970- 1979 1980- 1989 1990- 2000 BIP-Wachstum Zinsniveau Quelle: Zinsgutachten für die Globalisierungs-Enquete des Deutschen Bundestags Der Realzins sollte der realen Wachstumsrate entsprechen
  10. 10.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Die Wirkung des Zinseszinses 1991 2001 + 4 % Nettolöhne und -gehälter: 548 568 20 + 10 % Bruttolöhne und -gehälter:: 789 866 77 + 10 % Eink. Unternehm. u. Verm.: 366 403 37 + 11 % Steuereinnahmen insgesamt: 385 427 42 + 16 % Bruttoinlandsprodukt: 1711 1986 275 + 64 % Zinseinkommen Banksparer: 177 290 113 + 75 % Geldvermögen z. Vergleich: 3512 6154 2642 Reale Einkommensveränderungen - 1991 bis 2001 (Zahlen in Preisen von 1995) Mrd. Euro Quelle: Bundesbank / BMA/Sachverständigenrat Helmut Creutz/Ralf Becker / Nr. 137r 1991 2001 Anstieg
  11. 11.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Zinsniveau-Senkung durch Umlaufimpuls % + 7 + 6 + 5 + 4 + 3 + 2 + 1 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 A = Bargeld / B = Sichtguthaben / C = kurzfristige, D = mittelfristige, E = langfristige Einlagen Zinstreppe heute - ohne Umlaufimpuls (Guthabenzins) Zinstreppe mit Umlaufimpuls (bei Marktsättigung) A B C D E E D C B A
  12. 12.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              „Umlaufsicherung löst Wirtschaftskrise“ Harvard-Professor N. Gregory Mankiw am 19. April 2009 in der New York Times Vorsitzender der Wirtschaftsberater von Ex- US-Präsident Bush
  13. 13.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Investitionsrelevanz des Zinses in 30 Jahren 242 € in 200 Jahren 1613 € 100 € Zinssatz • 3 % 56 € 4,37 € 0,10 €• 5 %
  14. 14.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               www.regiogeld.de
  15. 15.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Komplementärwährungen  ... sind Währungen, die ergänzend zum gesetzlichen Zahlungsmittel in Umlauf gegeben und akzeptiert werden.  ... sind Werkzeuge, die meist geographisch begrenzt eine Region oder thematisch begrenzt einen Sektor sozial und wirtschaftlich fördern und mit neuer Liquidität versorgen.  ... sind in aller Regel zinsfrei oder ermöglichen eine Reduzierung des Zinsniveaus auf Null.
  16. 16.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Komplementärwährungen  Beispiel Argentinien: Die Tauschwährung Credito wird während des Zusammenbruchs der staatlichen Währung 2002 von über 6,5 Mio Menschen genutzt  Sektoralwährungen: Saber, Furreai Kippu, Coingemeinschaft Gesundheit  Miles and More, Bonuscard- und Citycard-Systeme  Tauschringe, Seniorengenossenschaften und Regionalgeldinitiativen im deutschsprachigen Raum
  17. 17.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              USA + Canada UK Benelux Germany + Austria Other Europe 0 500 1000 1500 2000 2500 3000 3500 4000 4500 5000 Elsew here Japan Argentina Other Europe Italy Germany + Austria France Benelux UK Australia New Zealand USA + Canada
  18. 18.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regio im Umlauf Regio in Vorbereitung Komplementärwährungen in Japan
  19. 19.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Ausbreitung im deutschsprachigen Raum mit Start des Euro 2002
  20. 20.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regionaler WirtschaftskreislaufZinsfreiheitZinsfreiheit Regiogeld Umlauf- impuls
  21. 21.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Komplementäres Regiogeld  ... vernetzt regionale Unternehmer und unterstützt regionale Wirtschaftskreisläufe  ... nutzt kleinen und mittleren Unternehmen (die 70 % der Arbeitsplätze und 82 % der Ausbildungsplätze bereit stellen)  ... schafft, unterstützt und erhält regionale Identität  ... ist ein alltäglicher Mitgliedsausweis
  22. 22.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regio im Umlauf Regio in Vorbereitung Regiogeld im deutschsprachigen Raum
  23. 23. Praxisbeispiele
  24. 24.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Zwei Arten der Herausgabe von Regiogeld: 2. leistungsgedeckt 1. eurogedeckt
  25. 25.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              eurogedeckt  Rücktausch ./. 5-10 % Regionalbeitrag  Hohes Anfangsvertrauen bei Nutzern  Erwerb 1:1 gegen Euro
  26. 26.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              leistungsgedeckt  Tauschring / Barterring  Arbeits-, Dienstleistung oder Waren  Gegenseitige Akzeptanz des Geldes  Kostenlose Überziehungskredite
  27. 27.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Der Chiemgauer
  28. 28.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regeln  5 o. 10 % Regionalbeitrag (Rücktauschgebühr)  davon 3 % an gemeinnützige Vereine Der Chiemgauer  eurogedeckt
  29. 29.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Der Chiemgauer Start: Januar 03 2500 Mitglieder 570 Unternehmen Offizielles regionales Agenda 21-Projekt + Raiffeisenbank + Sparkasse + Spendenparlament Prien
  30. 30.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regios eG Umsatz aller Unternehmen
  31. 31.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regios eG 3 % Begünstigung an die Vereine
  32. 32.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Erster Preis in der Kategorie "ressourceneffiziente Regionen" Der Chiemgauer Klaus Dosch, Aachener Kathy- Beys-Stiftung : „Die mit dem R.I.O. Award ausgezeichneten Produkte zeigen, wie Produkte und Dienstleistungen in Zukunft aussehen werden.“ R.I.O.-Award-Preisträger 2006
  33. 33.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Erster Preis in der Kategorie "ressourceneffiziente Regionen" Der Chiemgauer R.I.O.-Award-Preisträger 2006 Jury-Vorsitzender Prof. Dr. Schmidt-Bleek: „Die historische Aufgabe Europas ist das Austarieren der Globalisierung mit einer nachhaltigen Wirtschaftsweise.“
  34. 34.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              133 von 151 beteiligte Unternehmen: Unternehmerbefragung Der Sterntaler • beschafft Neukunden (72 %) • ist ein vorzügliches Kundenbindungsinstrument (68%) • gibt Unternehmen einen Vorteil im Globalisierungs- Wettbewerb (60 %) • ist ein Plus für die regionale Wirtschaft (96 %) Der Sterntaler
  35. 35.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Das Beispiel vonDas Beispiel von WörglWörgl, Tirol, Tirol •• Umlaufgebühr von 1% pro MonatUmlaufgebühr von 1% pro Monat •• Arbeitbestätigungen im Wert vonArbeitbestätigungen im Wert von 5.490 Schillingen zirkulierten in 13,55.490 Schillingen zirkulierten in 13,5 Monaten 416 malMonaten 416 mal •• schaffen Güter und Dienstleistungenschaffen Güter und Dienstleistungen im Wert von 2.283.840 Schillingenim Wert von 2.283.840 Schillingen •• Die Stadt erhielt 12% von 5.490 =Die Stadt erhielt 12% von 5.490 = 658 Schillinge als Umlaufgebühr658 Schillinge als Umlaufgebühr •• Arbeitslosigkeit um 25% reduziertArbeitslosigkeit um 25% reduziert •• Gemeindeabgaben stiegen um 35%Gemeindeabgaben stiegen um 35% •• die öffentliche Auftragsvergabe umdie öffentliche Auftragsvergabe um 220%220% © M a r g r i t K e n n e d y Das Beispiel von Wörgl, Tirol, 1932/33: www.unterguggenberger.org
  36. 36.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Österreich Start: Mai 2005 Modell Chiemgauer Förderung durch Bundesministerium für Wirtschaft und Arbeit: 2 Jahre, 200.000,- Euro + 7 Stellen Der Waldviertler
  37. 37.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Österreich Start: Mai 2005 Modell Chiemgauer 80 Mitglieder, 120 Unternehmen, Graz und Pischelsdorf Der Styrrion
  38. 38.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Schweiz Start: 1934 60.000 KMU Barterring mit eigener Währung WIR-Franken (CHW) Ohne Zinsen Kredite in WIR-Franken + Euro                                 
  39. 39.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Regiogeld bargeldlos per Regiocard  Regiogeld bar: Das Gutscheinsystem  Mikrokredite in Regiogeld und Euro Dienstleister für eurogedecktes Regiogeld
  40. 40.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Dienstleister für leistungsgedecktes Regiogeld
  41. 41.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Software zur Verwaltung von komplementären Währungssystemen.  Seit 2003 in 21 Ländern genutzt: www.cyclos.org
  42. 42.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Weitere Informationen  www.zart.org  www.neuesgeld.com  www.regiogeld.de  www.regios.eu  www.unterguggenberger.org
  43. 43.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tobias Plettenbacher: Neues Geld – Neue Welt www.timesozial.org

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