스크랩 자동화기기 지연인출시간 확대 제도란 무슨 뜻일까?

[차원상승]

http://www.dt.co.kr/contents.html?article_no=2015050402100558739001

‘ATM기 지연인출’시간 30분으로 늘어난다

은행자율로 현행 10분서 20분 늘려… 고객불편 등은 변수 

강진규 기자 kjk@dt.co.kr | 입력: 2015-05-03 19:09
[2015년 05월 04일자 5면 기사]

위 뉴스는 무슨 뜻일까요?

 기사에서 변명거리를 늘어놓고 있지만  은행에 입금해 둔 예금에 대한 예금자의 권리를 축소하여   예금한 돈이 몰수 될 수 있다는 상황을  알려주는  지표입니다. 예금은 더이상 예금자의 것이 아니라 주식처럼  투자성자금으로 취급되므로 언제든지 0원이 될 가능성이 있습니다.  금리는 갈수록 내려가다가 마이너스가 되어 예금한 돈은  결국 줄어들게 됩니다.  줄어들다가 어느 순간 몰수당하는 사태가 오겠지요.   그럼 자본주의는 끝나게 됩니다.  

예금몰수는   키프로스에서 이미 시범적 실행이 있었고요.  그리스에서 뱅크런이 이루어지고 있습니다. 그리스도 키프로스처럼  진행중인 것으로 압니다.   

예금을 찾기 어렵게 되거나 예금한 돈이  (사이버해킹 변명거리를 들이대면서) 사라지는 사태가 발생하기도 하고요.      

유럽에서도 마이너스 금리가 적용되고 서서히 전 자본주의 경제권 국가에 퍼지고 있습니다. 

시작은 사이버해킹 뉴스가 나오는 것으로 이미 우리나라에서도 시작되었죠.   

자본주의가 종치면  인류는 돈노예신세에서 해방됩니다.  

참고 자료  : 은행 예금 몰수 (Bail-in) 

http://news.goldseek.com/GoldSeek/1430748360.php

FRB Bail-ins: You don’t own your money

 
-- Posted Monday, 4 May 2015 | Share this article | 8 Comments 

By Torgny Persson

https://www.bullionstar.com/

Bank deposits

The account balance on your bank account is known as a demand deposit. Under our Fractional Reserve Banking (FRB) system, your deposits are used by the banks to leverage lending.  What most people think of as their account balance is actually something very different.  Many people mistakenly believe that their account balance shows how much they own.  This is not so. Instead, it shows what the bank owes you. You merely hold a claim on cash. Knowing this will help you understand that bank deposits are actually loans.

예금은 더이상 보장되지 않습니다.

Your cash forms the foundation for a banking system that loans out (hypothecates) your account balance with the promise that they will keep some of it on hand and return all of it if you ask for it.  This is called fractional reserve lending and this is what all banks do.

The legal precedent, that established the foundation for fractional reserve banking, was determined in a UK Supreme Court, (Foley vs. Hill, 1848).

Money, when paid into a bank, ceases altogether to be the money of the principal; it is then the money of the banker, who is bound to an equivalent by paying a similar sum to that deposited with him when he is asked for it. … The money placed in the custody of a banker is, to all intents and purposes, the money of the banker, to do with it as he pleases; he is guilty of no breach of trust in employing it; he is not answerable to the principal if he puts it into jeopardy, if he engages in a hazardous speculation; he is not bound to keep it or deal with it as the property of his principal; but he is, of course, answerable for the amount, because he has contracted, having received that money, to repay to the principal, when demanded, a sum equivalent to that paid into his hands. [Emphasis mine]

In very clear terms, when you deposit funds in a bank account, those funds are no longer yours.  You become an unsecured creditor, or lender, to the bank. Interest payments are supposed to compensate you for the risk in lending funds to the bank but today’s interest rates – being close to zero – do not compensate you for that risk.

Bank Runs & Bank Holidays

Fractional reserve banking works as long as people have faith that the bank will give them back ‘their’ money.  When things aren’t going well, and when the bank is perceived as having taken too much risk, people start demanding their balances back in cash because their trust in the bank’s ability to give them back ‘their’ money starts to diminish.  This is called a ‘bank-run’ and it is what banks fear most.

Assume that all depositors would claim their cash at once. As the reserve ratios are below 10 % for most western banks, less than 10 % of the funds would be available for withdrawals.

Fun fact: A ‘bank holiday’ is when a bank literally closes its doors and blocks account holders from withdrawing their funds.

A bank holiday is often caused by a bank run and is a last resort measure to prevent the bank from going bankrupt, as a major bank run would rapidly deplete the bank of all its funds when set in motion. The most recent example is what happened in Cyprus in 2013. When it became clear to the Cypriot bank account holders that the Cypriot banks had liquidity problems, worried account holders started to transfer their funds to other banks and withdraw their cash.

Cypriot bail-in as a precedent  (2013년 키프로스 은행예금 몰수  선례) 

Why did the Cypriot bank account holders wish to withdraw their funds in 2013?  When the liquidity problems of the banks became apparent and when it furthermore became increasingly clear that no one was going to bail out the Cypriot banks, the account holders acted to try to secure ‘their’ money.

Instead of the banks being bailed out, the banks had to save themselves and recapitalize by confiscating and freezing part of the bank account holdings. The banks argued that this was necessary or the banks would go bankrupt with the effect that all holdings would be lost.

The Cypriot ATM’s were emptied within hours of the bank holiday announcement. Two weeks later, the banks reopened with strict controls on what remained in the accounts.  Large withdrawals and transfers were strictly controlled.  Up to 85 % of account balances were converted into bank shares irredeemable for years.

2014년 11월 뉴스  (G20회의)

http://www.afr.com/news/policy/foreign-affairs/small-step-for-g20-a-leap-for-tbtf-banks-20141117-11o4q6

This leads to the logical conclusion that following a bank failure, a bank deposit is no longer money in the way a banknote is.

As Zero Hedge noted: “Large deposits at banks are no longer money, as this legislation will formally push them down through the capital structure to a position of material capital risk in any ‘failing’ institution. In our last financial crisis, deposits were de facto guaranteed by the state, but from November 16 holders of large-scale deposits will be, both de facto and de jure, just another creditor squabbling over their share of the assets of a failed bank."

2014년 11월16일부터 예금이 보장되지 않고  투자성자금으로 취급된다는  소식 

Indeed we saw this situation arise in Cyprus, but it now appears that this will be enshrined in the regulatory framework.