Wie entsteht Geld wirklich?

Für einen Anhänger der Auffassung, daß "Geld" etwas physisch messbares sein sollte, ist schon die Vorstellung eines monetären Teilreservesystems esoterisch, in dem Banken Kreditgeld schöpfen, indem sie ein Vielfaches der Spareinlagen verleihen, was bspw. mit dem sogenannten "Mindestreservesatz" gesteuert werden würde. Diese Vorstellung beruht auf einem Verständnis, wie es sich beispielsweise in der Praxis von mittelalterlichen Goldschmieden ablesen läßt, die entdeckten, daß niemals alle Kunden das deponierte Gold auf einmal abholen würden, weswegen sie einen größeren Teil gegen Gebühr verleihen konnten. Die Banken haben es in der modernen Praxis viel viel weiter getrieben. Kreditgeld, wie wir es auf unseren Girokonten wiederfinden, entsteht heute einfach durch den Akt der Kreditvergabe gegen Sicherheiten. Die sogenannten Reserven, die sich dann bei den Zentralbanken befinden, folgen erst verzögert.

Folgender Blogeintrag gibt einen kurzen Einblick in die kontraintuitive Art und Weise, wie heutzutage das Lebensblut unserer Ökonomie das Licht der Welt erblickt:

"2 Nobel Economists Confirm that Credit is NOT Created Out of Excess Reserves

We've all been taught that banks first build up deposits, and then loan extend credit and loan out their excess reserves.

But critics of the current banking system claim that this is not true, and that the order is actually reversed.

Sounds crazy, right? Certainly. But take a look at the following quotes:

“[Banks] do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers' transaction accounts."-

1960s Chicago Federal Reserve Bank booklet entitled “Modern Money Mechanics”

"The modern banking system manufactures money out of nothing. The process is perhaps the most astounding piece of sleight of hand that was ever invented. Banking was conceived in inequity and born in sin . . . . Bankers own the earth. Take it away from them but leave them the power to create money, and, with a flick of a pen, they will create enough money to buy it back again. . . . Take this great power away from them and all great fortunes like mine will disappear, for then this would be a better and happier world to live in. . . . But, if you want to continue to be the slaves of bankers and pay the cost of your own slavery, then let bankers continue to create money and control credit."-

Sir Josiah Stamp, president of the Bank of England and the second richest man in Britain in the 1920s.

Banks create money. That is what they are for. . . . The manufacturing process to make money consists of making an entry in a book. That is all. . . . Each and every time a Bank makes a loan . . . new Bank credit is created -- brand new money.-

Graham Towers, Governor of the Bank of Canada from 1935 to 1955

[W]hen a bank makes a loan, it simply adds to the borrower's deposit account in the bank by the amount of the loan. The money is not taken from anyone else's deposit; it was not previously paid in to the bank by anyone. It's new money, created by the bank for the use of the borrower.-

Robert B. Anderson, Secretary of the Treasury under Eisenhower, in an interview reported in the August 31, 1959 issue of U.S. News and World Report

This is a bizarre concept, and you might not be convinced by these claims..."

Weiter unter http://www.washingtonsblog.com/2009/09/2-nobel-economists-confirm-that-credit.html