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Diario / Re:Un modello di Banca c.s.p.
« il: Aprile 05, 2017, 07:10:40 pm »
LIBERA TRADUZIONE DEL TESTO:
Some years ago persisted during the financial crisis and credit crunch, it was designed a system that inserted a new concept of the bank. In this new financial paradigm totally eliminates SPECULATION and returns an innovative system that crushes finally, the one-sided enrichment.
How do I get this? There is a specific method?
The answer and 'affirmative (has always been affirmative but the diverted has concealed information systematically, indeed has opposed in every possible form the progress of these projects)
The mechanism called "system of savings and loan balanced", on which the new banking entity will rest their bases, can be summarized as a system in which to secure funding are the savings reserves of shareholders. The loaned capital are guaranteed by the sums on deposit. The balance consists in equating, through an indicator referred to as "points-saving", incoming and outgoing sums from the system. To ensure liquidity and sustainability of the system is, therefore, the "points-saving mechanism": points that accumulate during periods when the shareholder making deposits and a decrease in the periods in which you access the funding. The "saving point" is the monetary unit of measurement multiplied by the storage time or amortization. For the system to be sustainable, it is therefore necessary equality between the "points-earned savings" and the "points-savings spent." At the ignition time of the loan, if the accumulated points are not sufficient to compensate for those who consume the loan, the member is obliged to make an additional deposit on their account, thus implementing the mechanism of the "post-saving" during the period of refund, keeping the system in equilibrium. The sum accumulated with the "post-saving" is owned by the partner and will be available at the end of the repayment plan. Jak The system will then operate through three different types of financial account: accounts of "pre-saving" (traditional current accounts or deposits), accounts of "post-saving" accounts and "loan".
members, all with the same "weight" according to per capita principle "one person, one vote", regardless of the subscribed capital. Only members can avail the services of Jak. In essence, the "shareholders" are the members and "dividends" are represented by the possibility of financing at very low cost. In the model we propose, in addition to the above, each member may hold a maximum of 0.5% of the share capital. Where it worked and where does the bank system without interest? Jak has its origins in Denmark. During the Great Depression of the 1930s, many farmers went bankrupt because of the credit crunch and the high cost of borrowing. Some of them came together under the leadership of Kristian Kristiansen guide who, in 1931, founded the cooperative society Jord Arbejde Kapital (Land, Labor, Capital - the three pillars of the real economy), whose acronym is "JAK". JAK considered, and considers the structure of the interest as the main cause of economic instability, and the main consequences are inflation and high unemployment. From that time to date it has spent much time and gradually have followed different experiments saving devices, and interest-free loan. Already during the 50s and early 60s the idea and the success of JAK in Denmark attracted some interest in Sweden. In 1965, after several years of study and meetings with representatives of the Danish project, the Jord Arbete Swedish Kapital came to life as a non-profit organization. The association grew very slowly and only in the late 80s, took off the system, up to the bank status, as the JAK Members Bank in 1997. Since 1997, members have increased with an increase of 1,000 per year and deposits by about 10% per year. Today, JAK Members Bank, with a registered capital of 7 million euro, a collection of about 121 million euro, against which manages to be employed at the shareholders about 100 million Euros, has over 38,000 members who receive benefits of traditional banks, but without reloading of interest on loans, it employs 30 employees and is supported by about 500 volunteers. In recent years, the model "JAK", thanks mainly Swedish experiment, has attracted attention in many countries, not just Europe. UK, Finland, Belgium, Germany, Canada, Holland, Spain and Italy. Currently, although some of the above realities are already operational in the form of cooperatives, the project more close to replicating the Swedish banking model is the one Italian.
WHO CAN 'MAKE THIS SYSTEM?
All users who are the original owners of the broader concept of social interdependence and solidarity.
Not a multitude of privileged, but only for those without a fair and sustainable economy, would be completely cut off from the main stream.
Before being cut off, pensioners, single parents, housewives children within 35 years (no one forbids to extend the age, in this case, of course, is an example) have to react and change the status quo by preventing precisely to become victims.
How many in Italy are those who live in this system? A statistical extremely approximate, it indicates at least at least 22 million direct beneficiaries of unit revenues, subjects interessabili to participate in an innovative credit system.
22 million citizens who instantly no longer under the clutches of shady characters and make REAL ECONOMIC STRENGTH.
Empire of evil, as such, should not be opposite the equally bad, but forced subtraction of its power to spread the bad among individuals, thus annihilating the evil and reset is possible.
Someone pulled a rope too and was finally broken, the devilry that has taken possession of the system must be FINALLY TAKEN DOWN
In this case the union is strength in the basic concept is the same power, the real change.
Some years ago persisted during the financial crisis and credit crunch, it was designed a system that inserted a new concept of the bank. In this new financial paradigm totally eliminates SPECULATION and returns an innovative system that crushes finally, the one-sided enrichment.
How do I get this? There is a specific method?
The answer and 'affirmative (has always been affirmative but the diverted has concealed information systematically, indeed has opposed in every possible form the progress of these projects)
The mechanism called "system of savings and loan balanced", on which the new banking entity will rest their bases, can be summarized as a system in which to secure funding are the savings reserves of shareholders. The loaned capital are guaranteed by the sums on deposit. The balance consists in equating, through an indicator referred to as "points-saving", incoming and outgoing sums from the system. To ensure liquidity and sustainability of the system is, therefore, the "points-saving mechanism": points that accumulate during periods when the shareholder making deposits and a decrease in the periods in which you access the funding. The "saving point" is the monetary unit of measurement multiplied by the storage time or amortization. For the system to be sustainable, it is therefore necessary equality between the "points-earned savings" and the "points-savings spent." At the ignition time of the loan, if the accumulated points are not sufficient to compensate for those who consume the loan, the member is obliged to make an additional deposit on their account, thus implementing the mechanism of the "post-saving" during the period of refund, keeping the system in equilibrium. The sum accumulated with the "post-saving" is owned by the partner and will be available at the end of the repayment plan. Jak The system will then operate through three different types of financial account: accounts of "pre-saving" (traditional current accounts or deposits), accounts of "post-saving" accounts and "loan".
members, all with the same "weight" according to per capita principle "one person, one vote", regardless of the subscribed capital. Only members can avail the services of Jak. In essence, the "shareholders" are the members and "dividends" are represented by the possibility of financing at very low cost. In the model we propose, in addition to the above, each member may hold a maximum of 0.5% of the share capital. Where it worked and where does the bank system without interest? Jak has its origins in Denmark. During the Great Depression of the 1930s, many farmers went bankrupt because of the credit crunch and the high cost of borrowing. Some of them came together under the leadership of Kristian Kristiansen guide who, in 1931, founded the cooperative society Jord Arbejde Kapital (Land, Labor, Capital - the three pillars of the real economy), whose acronym is "JAK". JAK considered, and considers the structure of the interest as the main cause of economic instability, and the main consequences are inflation and high unemployment. From that time to date it has spent much time and gradually have followed different experiments saving devices, and interest-free loan. Already during the 50s and early 60s the idea and the success of JAK in Denmark attracted some interest in Sweden. In 1965, after several years of study and meetings with representatives of the Danish project, the Jord Arbete Swedish Kapital came to life as a non-profit organization. The association grew very slowly and only in the late 80s, took off the system, up to the bank status, as the JAK Members Bank in 1997. Since 1997, members have increased with an increase of 1,000 per year and deposits by about 10% per year. Today, JAK Members Bank, with a registered capital of 7 million euro, a collection of about 121 million euro, against which manages to be employed at the shareholders about 100 million Euros, has over 38,000 members who receive benefits of traditional banks, but without reloading of interest on loans, it employs 30 employees and is supported by about 500 volunteers. In recent years, the model "JAK", thanks mainly Swedish experiment, has attracted attention in many countries, not just Europe. UK, Finland, Belgium, Germany, Canada, Holland, Spain and Italy. Currently, although some of the above realities are already operational in the form of cooperatives, the project more close to replicating the Swedish banking model is the one Italian.
WHO CAN 'MAKE THIS SYSTEM?
All users who are the original owners of the broader concept of social interdependence and solidarity.
Not a multitude of privileged, but only for those without a fair and sustainable economy, would be completely cut off from the main stream.
Before being cut off, pensioners, single parents, housewives children within 35 years (no one forbids to extend the age, in this case, of course, is an example) have to react and change the status quo by preventing precisely to become victims.
How many in Italy are those who live in this system? A statistical extremely approximate, it indicates at least at least 22 million direct beneficiaries of unit revenues, subjects interessabili to participate in an innovative credit system.
22 million citizens who instantly no longer under the clutches of shady characters and make REAL ECONOMIC STRENGTH.
Empire of evil, as such, should not be opposite the equally bad, but forced subtraction of its power to spread the bad among individuals, thus annihilating the evil and reset is possible.
Someone pulled a rope too and was finally broken, the devilry that has taken possession of the system must be FINALLY TAKEN DOWN
In this case the union is strength in the basic concept is the same power, the real change.