INTRODUCTIONThe Youtube Channel "naked economics" was born with the purpose of supporting the most basic knowledge, easy to understand, the true nature and naked most of the economic term concept abstraction, United States of America that everyday you see on books, newspapers, television and on the Internet that most people do not understand the true nature of what they are. Today, I will release the first episode titled "what is Money". The content of this first episode, we'll learn the concept of what is money? Who is the person who creates the money? And they control our lives?Episode 1-What is Money?Everyday, we hear the news about the financial-economic out cheaply throughout the day but people see not everyone understood and understand the true nature of the concept, the term in the field of Economics and finance. In my daily life, we often have to use the money. We need the money to buy food, clothes and other items served in our lives. To have money, we have to spend most of his life working in the corporate business. We save money to buy land, build a House, the backup for those at sickness, older. All people in the society are dependent on the money but most of us are not aware of the nature and manner of how coins. Why are people more money? Why have people not penny? Why have only a handful of wealthy people, while the majority of the population, the poverty? Although we have worked hard all my life, but still have to wrestle with the funds to pay for the daily activities of life. First of all, we learn the concept: what is Money? The simplest way to understand then, money is a paper commitment (promise) of the issuer is "who owns this sheet of paper can be used for a number of specified goods correspond to the number printed on the sheet of paper". Of the owner of the goods agree to exchange of goods (worth using) retrieved the paper commitment because they believed in the promise of the release of this is they can change this commitment sheet retrieved the goods when necessary. The paper itself not worth anything if the promise was not enforceable and beliefs of people collapseTherefore, the role of the released money (paper committed) is of paramount importance. It affects the stability of the economy-the politics of a country and the entire economic system of finance in the world. Today, the concept of money consists of paper money and the funds are not paper money is recorded on the books and computersWho is who has the right to create money?Total amount of money circulating in the economy of the us, then the 95% is due to the production of private banks, the remaining 5% is of the central banking system of the country. Like a magician, genius can turn coral banks from nothingness (nothing at all) into money can be through the way for others to borrow money. Why banks have such authority? Why were they not arrested? Because they are the law admit, allow them to have the right to do so. So, I will take an example illustrates the following:Do not alter the nature of the problem, assumptions:-The amount of money saved in is fixed (at the time)-The whole economy has only one bank-With normal functioning economy, banks tend to maximize the profit news is they will want to lend at the maximum possibleS: the total amount of the pen is created (the money from the air)U: the amount the Bank itself has + the public's depositst: is obligatory reserves by the Central Bank regulations (in units of%, usually t < 10%)To maximize profits, the Bank will want to lend at the maximum level. They will get the money U posted on the Central Bank to do mandatory reserve account. Then the amount of money the Bank can provide lending will be: S = U, tIf t = 10% of the amount of the loan may be 10 times the amount of the original foodIf t = 5% of the loan amount can fold 20 times the amount of food had originallyIf t = 3% of the loan amount can fold 33 times the amount original foodIf t = 1% of the loan amount can fold 100 times the amount of food had originally When the borrower spends the amount S to be pumped into circulation increases the money supply in the economy. Because the Bank requires lending interest rates should want to pay the debt, the borrower must earn more money than the number of loans, the pay disparity is the main bank lending rate. As to the period of repayment to the Bank, the borrower must pay the original loan + interest root on this money for the Bank. So the profits earned by the Bank when the loan would be: S + interest. The total profits of the Bank's business will be the total of the following amounts:-Interest rate of deposit reserve: t '-Money from the air: S-The interest of funds S: s 'Here you can see why banks are so wealthy. And borrowers always have to drag the plough to repay debts without all my lifeThe banks have control of our lives?Then the money used to pay interest to the Bank come from? It retrieved from the available amount in circulation before lending transactions arise. If not more money into circulation, the amount of money in circulation over time will decrease, reducing commodity prices (increase the value for money-from expert called deflation). Due to the amount of money is increasingly scarce, people increasingly difficult to earn money to pay the debt to the Bank, leading to more and more people do not have the ability to pay debt and bankruptcy. The borrowers are often business firms. When they go bankrupt, the workers who lost jobs, the Bank did not acquire the debt also lead to bankruptcy, the economy stagnated, crisis Để giải quyết vấn đề trên, thực chất là cố trì hoãn, kéo dài thời gian xảy ra giữa các đợt khủng hoảng, các ngân hàng bắt buộc phải tăng cung tiền lên, tức là họ liên tục phải cho vay các khoản vay mới khi khoản vay cũ được trả. Để giữ giá cả ổn định, họ phải cung tiền ở mức tối thiểu bằng với phần lãi suất mà những người đi vay phải trả cho ngân hàng, nhưng thông thường mức cung tiền thường cao hơn vừa để tăng lợi nhuận cho ngân hàng vừa để kinh tế có một chút lạm phát. Khi giá cả tăng một chút sẽ khuyến khích doanh nghiệp mở rộng thêm sản xuất, tạo thêm nhiều việc làm. Chính vì vậy lượng cung tiền theo thời gian sẽ ngày càng lớn, dẫn đến lãi suất người đi vay phải trả cho ngân hàng cũng ngày càng lớn. Đồng tiền ngày càng mất giá. Tiền lương trả cho người lao động theo thời gian tăng rất ít, không theo kịp sự mất giá của đồng tiền. Điều đó có nghĩa rằng, giá trị tiền lương thực tế ngày càng giảm đi. Thay vì được trả một mức lương hợp lý, người lao động được khuyến khích sống bằng những khoản vay nợ. Đến một lúc nào đó, những người đi vay đồng loạt không có khả năng trả nợ nữa và phá sản. Ngân hàng sợ hãi thắt chặt cho vay, cung tiền giảm mạnh làm cho người cho vay càng khó khăn thêm, khủng hoảng kinh tế xảy ra. Lúc này các ngân hàng bắt đầu tịch thu các tài sản thế chấp của người vay tiền như: đất đai, nhà cửa, ô tô, nhà xưởng, hàng hóa…. Ở đây đã có sự chuyển hóa từ tiền ảo S thành tài sản thật là đất đai, nhà cửa, ô tô, hàng hóa. Ngân hàng đã chiếm không tài sản của dân chúng một cách công khai, hợp pháp. Khi các ngân hàng bị phá sản, để tránh cả hệ thống tài chính sụp đổ, các chính phủ lại móc túi tiền của dân chúng để cứu giúp các ngân hàng phá sản thông qua các gói giải cứu trăm tỷ đô la bằng tiền thuế của nhân dân hay đơn giản là in thêm tiền, làm giảm giá trị những đồng đô la trong túi của người dân. Một cách móc túi nhẹ nhàng, êm ái mà người ta gọi nó là lạm phát. So when crises occur, the material was changed hands from the people to the Bank. The nature of the current financial system is thus, the economic crisis is the inevitable will happen, is inevitable. When the Government solved the crisis, then back to the start of a new economic cycle and that constant repetition in the history of hundreds of years of financial systems. We know for sure is that the crisis will happen but not sure is time to happen to be able to predict. The system's defects of the financial-economic features of this nature that why people don't change that keeps it in existence for hundreds of years.It is in the interest of a minority group to the World Bank, the world's richest people. With his wealth, they influence the policies, the economic laws of Government. They want to retain this system forever, because just through the periodic crises, they will become wealthy thanks to plundered the property of the people. To learn more deeply about the modern banking system works how, invite you to watch the next episode in the nearest timeEpisode 2-The
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