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  • The gap between the very richest and the rest of us is getting bigger.

    最富有的人與一般人的差距日益擴大。

  • Why?

    為什麼?

  • A common belief is that it's good for us all if a small group of people earn an enormous amount of money.

    有一種普遍的看法是,若一小群人賺了大量的錢,對所有人都有好處。

  • The theory is that their wealth trickles down to the rest of us.

    這個理論的論點是財富會涓滴下滲到其他人身上。

  • But this is a myth.

    但這是迷思。

  • In reality, money is sucked up from all of us in to the pockets of a very small group of people.

    實際上,所有人的錢都被賺進一小群人的口袋裡。

  • How does this happen?

    這是怎麼發生的?

  • One reason is the way that money is created.

    貨幣產生的方式便是原因之一。

  • Right now, almost all of the money in our economy is created by banks when they make loans.

    銀行的放貸,創造了目前經濟體系中絕大多數的財富。

  • Now most people assume that when banks make loans, they are lending out someone else's savings.

    多數人以為銀行的放貸是釋出他人的存款。

  • But they are not.

    其實不然。

  • Instead, when somebody takes out a loan, banks create new money electronically, by typing numbers in to their account.

    反而,每次貸款,銀行會以電子方式生錢,只要將數字輸入其帳戶即可。

  • 97 % of all of the money in our economy is created in this way, as people take out loans from banks.

    如此就創造了經濟上 97% 的財富,因為人們跟銀行貸款。

  • The more loans people take, the more debt there is, and the more money there is.

    貸款越多,債務越多,錢財也隨之變多。

  • The shocking fact is, if nobody went into debt, there would be almost no money in the economy.

    可怕的是如果沒人欠債,就幾乎沒有錢在經濟市場上流通。

  • Our economy depends on the electronic money created by banks.

    經濟仰賴銀行創造的電子貨幣。

  • But because the money is created when people borrow, someone, somewhere, has to pay interest on every pound created.

    但由於它們是在貸款時被創造的,利息總得有人償還。

  • In effect, we are renting the money we need to run our economy from the banks.

    事實上,我們正向銀行「租借」足以運作經濟的金錢。

  • This means that in the UK alone, together we pay the banks £192 million in interest every single day.

    這代表,若單看英國,我們每天付給銀行 1.92 億英鎊的利息。

  • And because the debt is held mostly by the bottom 90% and wealth mostly by the top 10%, paying this interest transfers money from the bottom 90% of the population to the very top 10%.

    而通常債務由 90% 的人口承擔,上層的 10% 則占有財源。支付利息將 90% 人的財富,轉移給10%的頂層。

  • It sucks wealth and income from the rest of us up to the very lucky few.

    多數人的財產及收入被少數幸運兒搜刮殆盡。

  • So as long as we have to rent the money we use from the banks that create it, we'll have to keep paying this huge interest bill.

    因此只要我們仍租用銀行自創的錢款,就得持續償還鉅額利息。

  • And the gap between the richest and the rest of us will keep increasing.

    我們與富者之間的鴻溝會持續擴大。

  • But there are ways to create money that don't depend on us all going into debt to the banks.

    但也有不必跟銀行借貸就能生錢的方法。

  • We want to see money created by a public body and spent into the economy, so that we don't have to borrow all of the money we need from the banks.

    我們欲見公服機關生錢,並注入經濟體系中,如此一來,我們無須全盤向銀行借入我們所需的資金。

  • This would lead to less debt, and stop the gap between the richest and the rest of us getting even bigger.

    債務從而減少,也阻止那道鴻溝愈裂愈大。

  • This is what we're campaigning for.

    這是我們的行動目標。

  • Join us by signing up at Positive Money and sharing this video.

    敬請註冊Positive Money或分享這部影片,加入我們的行列吧!

The gap between the very richest and the rest of us is getting bigger.

最富有的人與一般人的差距日益擴大。

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A2 初級 中文 英國腔 銀行 利息 經濟 貸款 財富 債務

為何富者更富? (Inequality: Why are the rich getting richer?)

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    臣哲章 發佈於 2016 年 09 月 14 日
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