My comment: Besides what he suggests between lines about White House
ties to Wall Street and therefore the "conflicts of interests" that
obviously I will not comment because it is not my country, his
analysis about US economy situation, and in particular its financial
system, is the best that I have read or listen from an American
economist in many years.

More and more, the current policy of the US Treasury seems to be based
on two strategies, to inflate financial system and to upgrade its
protectionism. The ealy positive and promising action, its economic
stimulus plan, seems to be losing ground. Therefore, we have more of
the same Mr. Paulson´s policies.

“The bank restructuring has been an absolute mess.” The return to
taxpayers from the TARP is as low as 25 cents on the dollar, he said.
In other words, real US economy wastes 75 cents per each dollar spent
on banks.

The Troubled Asset Relief Program, or TARP, isn’t large enough to
recapitalize the banking system, he said. I would add more, to revive
those dead institutions, US treasury and Fed should put into banks
hundreds of billions every quarter. Because the real problem, the true
source of US financial problem, is that the three healthy sources
where banks get money anywhere, cannot put that funds into banks.
First of all, householders cannot save because they struggle to
survive and to meet its high life standards and consumption levels
that they leant in the past. Secondly, mostly because high
protectionism in USA that is gaining ground with the fresh "buy
American" policy and low public social networks, corporations lose
ground year after year aand their profits as percentage of total
amount of US dollars, or as percentage of total liquidity, fall. And
thirdly, because the bigger householder, the Federal government, does
not save, des not cut deficits, rather it increases the size of the
problem. Without inputs, banks produce less and less outputs. Their
profits are fake, to be honest.

In fact, as he said, “It’s a real redistribution and a tax on all
American savers.” Again, since monetarism in the seventies, it means
to disencourage savings. I must add from householders to bondholders
and share holders. Even worse, a fake wealth wealth. And even much
worse, according to him the rate of return of that fake wealth
redistribution is just 1 on 4. A wrong step in the wrong direction.

Even worse, the deeper problem in my opinion is as he says: “Even if
there is no quid pro quo, that is not the issue. The issue is the
mindset.” “America has had a revolving door. People go from Wall
Street to Treasury and back to Wall Street,”. I must add that what
Wall Street boys get from the Treasury is not true wealth, it is fake
paper that looks like the ancient US dollars but its real value is
just a fraction of it. To fix that mindset, the fake belief that
problems can be fixed through financial means, will take probably one
generation or longer, new programs in universities of economics in
USA, new schools of business, fresh faces, new books, etc.

And the second error from that mindset, although he does not cite it,
to do not take into account the reaction from the rest of the world. I
do not mean politics, I mean the natural reaction that economies and
markets take disregarding human wishes. US economy is not decoupled
from the world since years ago, for good and, in this case, for bad.

Although damage is already done since many years ago, I deeply and
honestly want that they realise it as soon as posible and change their
policies. The sooner it starts, the shorter and lighter this decades-
long crisis will be. Prof. Stiglitz is an authoritative voice and he
could not speak clearer and louder.

Peace and best wishes.

Xi


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