« Monnaie pleine » : différence entre les versions
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Banques commerciales, banques centrales, banques privées. | Banques commerciales, banques centrales, banques privées. | ||
:I daresay that my audience has been too much exposed to the teachings of the Chicago School to be shocked at the idea of 100 percent reserve banking. This topic, of course, is worthy of far more space than I can give it here. I can only say that my position on 100 percent banking differs considerably in emphasis from the Chicago School. The Chicago group basically views 100 percent money as a technique—as a useful, efficient tool for government manipulation of the money supply, unburdened by lags or friction in the banking system. My reasons for advocating 100 percent banking cut much closer to the heart of our whole system of the free market and property rights. | |||
:The other very important difference, of course, is that I advocate 100 percent reserves in gold or silver, in contrast to the 100 percent fiat paper standard of the Chicago School. | |||
[[Murray Rothbard]], [https://mises.org/library/case-100-percent-gold-dollar-0 The Case for a 100 Percent Gold Dollar], 1962. | |||
Revision as of 10 October 2015 à 11:04
« monnaie pleine », « monnaie 100% » (100% money, 100% reserve banking, full reserve banking) est un type de monnaie censé s'opposer au « fractional reserve banking ».
Elle consiste dans le fait que les banques détiennent des réserves correspondant à 100% des dépôts monétaires auprès d'elle, soit une « couverture de 100% ». Autrement dit, cela voudrait dire, en termes simples, que les banques ne peuvent prêter que de l'argent qu'elles ont, qui existe, et non de l'argent qu'elles n'ont pas, qui n'existe pas.
Le problème est que cette définition ne précise pas à quelles « banques » elle s'applique, ni en quoi consistent les « réserves ». Nous pouvons dès lors distinguer deux définitions principales :
Banques couvertes à 100% par d'autres banques
- https://en.wikipedia.org/wiki/Full-reserve_banking
- https://fr.wikipedia.org/wiki/100_%25_monnaie
- http://www.initiative-monnaie-pleine.ch/
- Irving Fisher, 100% Money, Adelphi Company, New York, 1935.
- Gary North, How to End the Fed, and How Not To
- Ludwig von Mises, The Theory of Money and Credit, New Haven: Yale University Press, 1953.
- Ludwig von Mises, Human Action
- Jesús Huerta de Soto Money, Bank Credit, and Economic Cycles
Banques couvertes à 100% par des actifs réels
Banques commerciales, banques centrales, banques privées.
- I daresay that my audience has been too much exposed to the teachings of the Chicago School to be shocked at the idea of 100 percent reserve banking. This topic, of course, is worthy of far more space than I can give it here. I can only say that my position on 100 percent banking differs considerably in emphasis from the Chicago School. The Chicago group basically views 100 percent money as a technique—as a useful, efficient tool for government manipulation of the money supply, unburdened by lags or friction in the banking system. My reasons for advocating 100 percent banking cut much closer to the heart of our whole system of the free market and property rights.
- The other very important difference, of course, is that I advocate 100 percent reserves in gold or silver, in contrast to the 100 percent fiat paper standard of the Chicago School.
Murray Rothbard, The Case for a 100 Percent Gold Dollar, 1962.
