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Haben wir die wahl unser aktuelles geldsystem zwingt uns zum wirtschaftswachstum

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Vortrag von Ralf Becker

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Haben wir die wahl unser aktuelles geldsystem zwingt uns zum wirtschaftswachstum

  1. 1.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Haben wir die Wahl? Unser aktuelles Geldsystem zwingt uns zum Wirtschaftswachstum Dipl.-Kfm. Ralf Becker, Bamberger Hochschultag 14. Mai 2014Dipl.-Kfm. Ralf Becker, Bamberger Hochschultag 14. Mai 2014
  2. 2.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Club of Rome: Geld und Nachhaltigkeit Nicht-nachhaltige Wirkungen unseres Geld- und Finanzsystems • Wachsende Instabilität • Ungerichteter Wachstumszwang • Kurzfristorientierung • Asymmetrische Wohlstands- verteilung • Entwertung von Sozialkapital
  3. 3.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              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%
  4. 4.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              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
  5. 5.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Inflation der Vermögenswerte Geldvermögen BSP
  6. 6.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Der Realzins sollte der realen Wachstumsrate entsprechen Quelle: Zinsgutachten für die Globalisierungs-Enquete des Deutschen Bundestags
  7. 7.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Positive Zinsen führen zu Vermögens- blasen und deren Zerplatzen 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
  8. 8.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Positive Zinsen führen zur Umverteilung von Arm zu Reich  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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              100 € Zinssatz • 3 % 56 €• 5 % in 30 Jahren 242 € Positive Zinsen werten ökologische und soziale Zukunftsinvestitionen ab
  10. 10.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Negative Zinsen ermöglichen eine Balance zwischen wirtschaftlichen, ökologischen und sozialen Zielsetzungen % + 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
  11. 11.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              „Negative Zinsen lösen Wirtschaftskrise“ Harvard-Professor N. Gregory Mankiw am 19. April 2009 in der New York Times Vorsitzender der Wirtschaftsberater von Ex-US-Präsident Bush
  12. 12.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              „Bei Bedarf kann die EZB beim Einlagesatz für Geschäftskunden auch negativ werden. Das heißt, dass Kunden dann dafür bezahlen müssten, dass sie ihr Geld bei der EZB parken dürfen.“ EZB- Direktoriumsmitglied Jörg Asmussen am 12. November 2013
  13. 13.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              „Stellen Sie sich eine Situation vor, in der alle Zinsen deutlich unter Null gefallen sind.“ Prof. Larry Summers, enger Berater von US- Präsident Barack Obama am 18. November 2013 beim IWF
  14. 14.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               www.regiogeld.de
  15. 15.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regio im Umlauf Regio in Vorbereitung Komplementärwährungen in Japan
  16. 16.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Regio im Umlauf Regio in Vorbereitung Regiogeld im deutschsprachigen Raum
  17. 17.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Der Zins wird vom Preis für Konsumverzicht zum Preis für nachhaltige Vermögenstransformation in die Zukunft. Den materiellen Output unserer Wirtschaft können wir dann so steuern, wie es unseren sozialen und ökologischen Zielsetzungen entspricht. % + 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
  18. 18.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Die Wirkung des Zinseszinses

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