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！