“Ukucwaninga ngemali, ngaphezu kwayo yonke eminye imikhakha . . .iwukuba inkimbinkimbi isetshenziselwa ukufihla iqiniso noma ukugwema iqiniso, hhayi ukulembula. . .Inqubo amabhange enza ngayo imali ilula kangangokuthi ingqondo iyaphikiswa.” (John Kenneth Galbraith)
"(Imali) iyisimiso esiyisisekelo senhlangano yezenhlalakahle ku-capitalism." (Doug Henwood)
Kade ngifunda ukugxeka okuningi okuqinile komnotho wethu wezepolitiki muva nje futhi ngihlabeke umxhwele ngezinga lapho ngisho nokugxeka okuqinile kuncike kunkolelo-mbono ethile evimbela ukuqonda. Okwenzekayo kulula ngempela, kangangokuthi ukumane usho amaqiniso kuzwakala kulula, ikakhulukazi kulabo abajwayele ijagoni yezomnotho yezobuchwepheshe okuhloswe ngayo ukufiphalisa ngaphezu kokukhanyisa.
Izici ezintathu ezibalulekile zesistimu yethu yamanje ezibaluleke kakhulu ukuba siziqonde ukuthi isistimu yezezimali ilawulwa ngasese ukuze uthole inzuzo yangasese, isistimu yemali esekelwe esikweletini lapho imali entsha ibolekwa ohlelweni ngenzalo, futhi akukho okusemthethweni. kusho ukubhekana nokungasimami kwesikhathi eside kokuqoqwa kwenzalo ehlanganisiwe.
Iqiniso lokuthi uhlelo lwethu lwezezimali lulawulwa ngasese ukuze kuzuzwe inzuzo yangasese lisho ukuthi uhlelo lwezezimali nakanjani luzodlalwa ukuze lunikeze izisusa zokufuna inzuzo zabezimali ngokulahlekelwa komnotho wangempela. Siphila emphakathini oyinkimbinkimbi kakhulu, owenza imali kakhulu oncike ngokuphelele emalini nakuhlelo lwezezimali ukuze lusebenze. Ukulawula ukudalwa nokusatshalaliswa kwemali/isikweletu- ubani/yini ethola uxhaso futhi ubani/yini engatholi - kunikeza abezimali amandla amakhulu omphakathi, okwamanje okusondele ekulawuleni okuyiyonayona komnotho wepolitiki womhlaba. Uhlelo oluningi luqukethe imithetho, iziqondiso kanye nezinqubo eziklanyelwe ukuphoqelela ukuziphatha okufanayo kubantu abahlukahlukene abazimele kanye nezinhlangano ezakha uhlelo lwezezimali, ngaleyo ndlela kugqugquzelwe ukuzethemba ekuhlelweni kwesistimu ngokucindezela abezimali ukuthi baphishekele ngokusobala inzuzo yangasese ngokuxhaphaza. amandla abo okudala imali. Kodwa-ke, le mithetho, imithethonqubo kanye nezinqubo zeqiwa ngokudalwa nokusetshenziswa kwamathuluzi ezezimali angaphandle namanye amaqhinga aqinisekiswa ubucwebe bezomnotho obulimaza umnotho wangempela nokuzinza kwezezimali. Ukulawula okuyimfihlo kwesistimu yezezimali ngokwemvelo akusebenzi futhi kudinga ukuqedwa. Ngeshwa, lokhu kubonakala kungenzeki, okungenani esikhathini esifushane.
Bambalwa abantu ababonakala bazi ukuthi uhlelo lwethu lwezezimali ludala imali entsha ngokuyiboleka ukuze ibe khona ngenzalo. Imiphumela emibili ebalulekile yemali yesikweletu ukuthi idala ukuncika kweqiniso emalini eyinzuzo yesikhathi esizayo njengoba kufanele ikhokhwe emuva nenzalo, nokuthi ukukhokha nenzalo kudinga ukuthi imali entsha ibolekwe ohlelweni ukuze inzalo ikhokhwe. Lokhu, empeleni, kuwukuhlanganisa kwangaphakathi okuguquguqukayo okudinga ukukhula okuhlanganisiwe kohlelo lwezezimali ukugwema okuzenzakalelayo kanye nokuwa kwesistimu. Ngamanye amazwi, umnotho wangempela usebenza ezikweletini ezikweletwa izikhungo zezimali ezizimele okuyizona ezidale imali. Ngaphandle kwalesi sikweletu, ibingeke ibe khona imali ohlelweni lwethu lwamanje. Le mali esekelwe ezikweletini isebenza ngokuzuzisa osozimali futhi ibeke kabi umnotho wezepolitiki uwonke, futhi idinga ukushintshwa yimali esungulwe nguhulumeni engenazikweleti. Lokhu ngeke kuqede izinkokhelo zenzalo emalini ebolekiwe, noma inzuzo engenayo emalini elondoloziwe, kunalokho, kuzoqeda izikweletu ezihleliwe ezimalini ezizimele.
Iphuzu lokugcina elibaluleke kakhulu okufanele liqondwe umphumela wokuba nohlelo lwezezimali lapho umfutho wokuqongelela okuyimfihlo kuyinzalo ehlanganisiwe engalawuleki. Emhlabeni wangempela, akukho okwandayo ngokwejometri isikhathi eside kakhulu. Ngenxa yalokho, ukwenyuka kwejiyomethri kwezibopho zezikweletu kuye kwaxazululwa ngokomlando ngendlela eyodwa yezindlela ezimbalwa. Okokuqala, umnotho udinga ukukhula ngokuqhubekayo ukuze unikeze isisekelo sangempela sokweseka uhlelo lwezezimali olukhulayo. Lokhu kuhlanganisa kokubili ukukhula kwenani labantu kanye nokukhula emnothweni osemthethweni wokuthengiselana ngokwezimali ngezindleko zomnotho ongekho emthethweni, okungukuthi, ukuxhumana komphakathi kumele kwenziwe imali ngokwandayo. Okwesibili, ukwenyuka kwamanani entengo kuthambekele ekwehliseni umthwalo wenzalo ngokwehlisa ngempumelelo izinga langempela lenzalo. Indlela yokugcina yokubhekana nenzalo ehlanganisiwe engalawuleki ohlelweni lwethu lwangasese iwukungakhokhi izikweletu kanye nokubhalwa phansi kwezikweletu ezimbi. Lokhu kubhala phansi kuvame ukuhambisana nokuthathwa kwempahla yangempela (ukuvalwa) okuvamise ukuqedwa. Lokhu kube umphumela ongokomlando wokuwohloka komnotho kanye nokuwohloka komnotho, lapho ukuwohloka kwesistimu yezimali kubangela ukuwohloka komnotho wangempela olambe imali, okubuye kuphoqe ukuthi isikweletu esibi sibhale phansi ukulungisa uhlelo lwezezimali. Ukuvalwa okukhulu ngesikhathi sokuwohloka komnotho/ukucindezeleka kumele ukudliwa komnotho wangempela ngohlelo lwezezimali. Nakuba kufanele kube nokwenzeka ukubhekana nenzalo ehlanganisiwe ezingeni elihlelekile ngokukhokhiswa kwentela engenayo kanye nengcebo eqhubekayo ukuze kuphazamise inqubo yokuqongelela futhi kwabiwe kabusha imali, lokhu akukenziwa ngoba umnotho wethu wepolitiki wobunxiwankulu uklanyelwe ukwenza lula ukuqoqwa nokuqoqwa komcebo. , futhi noma yiziphi izinqubo eziphazamisana nalokhu ziyaphikiswa kungakhathaliseki imithelela yesistimu.
Isimo sethu samanje sibi futhi asikaze sibe khona ngaphambili. Okokuqala, inani labantu bethu kanye nomnotho wangempela sekufinyelele umkhawulo wokukhula ngokomzimba. Ngenxa yalokho, isisekelo sangempela esiphathekayo esisekele ngokomlando ukukhula kwesistimu yezezimali edingekayo ukuze kuhlangatshezwane nezinkokhelo zenzalo esikweletini asisakwazi ukwenza kanjalo. Omunye umphumela uwukunqanyulwa kokuxhunyaniswa kwesistimu yezezimali emnothweni wangempela kulokho okuvame ukubizwa ngokuthi ukwenza imali. Okwesibili, inqubomgomo yamanje yezezimali iwukukhawulela ukwehla kwamandla emali ngangokunokwenzeka ngaleyo ndlela kuqedwe ukwehla kwe-de facto kwezinga lenzalo. Imiphumela yalokhu okwamanje ifihliwe ngamanani enzalo aphansi kakhulu, okuwumphumela wenqubomgomo ye-Federal Reserve. Omunye umphumela walokhu uwukwenza abatshalizimali benze ukutshalwa kwezimali okuyingozi futhi bazibandakanye nemidlalo yezimali ukuze bathole isivuno esiphezulu. Isimo esingakaze sibonwe ngempela ukutakulwa okukhulu komkhakha wezezimali ngokudlulisela izikweletu ezimbi kubaxhasi bezimali emphakathini. Ngenxa yalokho, izikweletu ezimbi aziqedwa ohlelweni, kuphela ezincwadini zabezimali. Ngamanye amazwi, osozimali bayazuza ngokutshalwa kwezimali okuhle futhi bazuza kakhulu ekutshalweni kwezimali okubi njengoba benza imali yokuboleka uhulumeni ukuze athenge izikweletu zabo ezimbi kubo. Umphumela wakho konke lokhu wukulambisa umnotho wangempela kuyilapho uhlinzeka umkhakha wezezimali ngamandla amakhulu emali, yingakho, ukulawula komphakathi. Umphumela wokugcina ungase ube ukuthengiswa okukhulu komcebo womphakathi njengoba uhlelo lwezezimali ludla umnotho wangempela kanye nepolitiki yonkana.
Uma sekubhekwa, uhlelo lwethu lwezezimali oluzimele lwehlule ngokudabukisayo umnotho wangempela kanye nepolitiki ngenkathi ngesikhathi esifanayo lukhulisa ukulawula kwalo kukho kokubili. Impi yezezimali ibonakala iyincazelo efanele. Kunzima ukubikezela umphumela wokugcina noma ngisho nohlelo lomdlalo lwezikhulu zezezimali. Kubukeka kuwuhlobo lwefilosofi yokusika nokushiswa lapho imali izosenga indawo yakho konke okufanele, bese idlulela emadlelweni aluhlaza emhlabeni jikelele. Umhlaba wokuncikana oxhunywe uhlelo lwezezimali lomhlaba wonke lapho izindawo zizoqhudelana khona ukuze zithole uxhaso. Ngokusobala, imithetho yokubalwa kwezimali izoshintshwa ukuze ivumelane nokusetshenziswa kwezikweletu emhlabeni wonke. Kunzima ukucabanga ukuthi lesi simo sisebenza ngempela, ukuwohloka kwezimali okuphelele kwesistimu kubonakala kungenzeka kakhulu. Kunzima futhi ukucabanga ngemiphumela yokuwohloka kwezimali okubanzi kwesistimu, nokho, kubonakala kuyilapho siphokophele khona.
Iphuzu elibaluleke kakhulu ukuthi uhlelo lwethu lwezezimali lwamanje aluzinzile ngokwemvelo. Ihlanganiswa yimithetho, imithetho kanye nezinqubo ezizisebenzelayo, ezinye eziklanyelwe ukuqinisekisa osozimali ukuthi ngeke bakhohliswe ozakwabo bezimali, eminye yakhelwe ukuqinisekisa ukuthi izithelo zomnotho wangempela zingena ohlelweni lwezezimali. Le mithetho, imithethonqubo kanye nezinqubo (kanye nokubonakaliswa kwazo kwenhlangano) kungashintshwa vele. Izinga ezingashintshwa ngalo lincike ezingeni izikhungo zezezimali zomhlaba ezinamandla kakhulu ezingavumelana ngalo ngemithetho emisha, iziqondiso nezinqubo ezisebenza ukuvimbela ukufuna inzuzo yomuntu ngamunye kanye nenhlangano ukuze kuzuzwe ukulingana okuhlelekile nokuzinza. Ukusebenzisa imithetho, imithethonqubo kanye nezinqubo zokubhekana nemithelela yesistimu yenzuzo ehlanganisiwe engasimeme akukaze kuzanywe, kungasaphathwa-ke ukuthi kwenziwe. Nakuba intela eqhubekayo yemali engenayo nengcebo ingafinyelela umphumela oyifunayo, cishe akunakwenzeka ukuthi onxiwankulu abacebile nabanamandla bangahambisana nalokhu, ingasaphathwa eyokuqala. Kunzima ukucabanga ngezimali ezizimele ezixazulula le nkinga ngendlela yokuthi kugcinwe ubuholi obukhona bamandla futhi kunzima ngokulinganayo ukucabanga imali yangasese evuma noma yikuphi ukuguqulwa okubalulekile kombuso wamanje emphakathini wethu wonxiwankulu, ngakho-ke, ukuwohloka kwesistimu kubonakala kungenzeka. Ngamanye amazwi, ukuchema okungokwemvelo kanye nokuzizuzela ngokwabo kwabaxhasi bezimali abazimele cishe kuzovimbela ukuxazulula izinkinga zethu zamanje zezimali inqobo nje uma uhlelo lwezezimali luqhutshwa yimali yangasese ukuze kuzuzwe inzuzo yangasese.
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