\u00deegar minnt er \u00e1 \u00feessa sta\u00f0reynd bregst forma\u00f0ur Sj\u00e1lfst\u00e6\u00f0isflokksins og n\u00faverandi fors\u00e6tisr\u00e1\u00f0herra vi\u00f0 me\u00f0 \u00fev\u00ed a\u00f0 segja a\u00f0 \u00fea\u00f0 megi ekki per\u00f3nugera vandann. Me\u00f0an allt l\u00e9k \u00ed lyndi og g\u00f3\u00f0\u00e6ri\u00f0 r\u00edkti (\u00fe\u00f3tt \u00fea\u00f0 v\u00e6ri a\u00f0 v\u00edsu mestan part teki\u00f0 a\u00f0 l\u00e1ni) \u00fe\u00f3tti sj\u00e1lfsagt a\u00f0 pers\u00f3nugera d\u00fdr\u00f0ina \u00ed pers\u00f3nu Dav\u00ed\u00f0s Oddssonar, fors\u00e6tisr\u00e1\u00f0herra (1991-2004). En n\u00fa \u00feegar spilaborgin er hrunin og \u00fej\u00f3\u00f0arb\u00fai\u00f0 er ein rj\u00fakandi r\u00fast er banna\u00f0 a\u00f0 pers\u00f3nugera vandann. \u00de\u00e1 er ekkert Dav\u00ed\u00f0 a\u00f0 kenna, hvorki sem fors\u00e6tisr\u00e1\u00f0herra n\u00e9 Se\u00f0labankastj\u00f3ra. \u00dea\u00f0an af s\u00ed\u00f0ur \u00feykir kurteislegt a\u00f0 pers\u00f3nugera vandann \u00ed pers\u00f3nu varaformanns flokksins og fj\u00e1rm\u00e1lar\u00e1\u00f0herra (1998-2006). Umr\u00e6\u00f0an ver\u00f0ur samkv\u00e6mt \u00feessu a\u00f0 fara fram undir nafnleynd.<\/p>\n\n\n\n\n\n
Hinn aldni hagspekingur Vi\u00f0reisnar, J\u00f3nas H. Haraldz, hefur vaki\u00f0 athygli \u00e1 \u00fev\u00ed a\u00f0 allt fr\u00e1 \u00fev\u00ed a\u00f0 \u00fe\u00e1verandi fors\u00e6tisr\u00e1\u00f0herra lag\u00f0i ni\u00f0ur \u00dej\u00f3\u00f0hagsstofnun \u00ed einhverju br\u00e6\u00f0ikasti \u00e1ri\u00f0 2002 hafi engin samr\u00e6md hagstj\u00f3rn veri\u00f0 \u00ed landinu. Me\u00f0 \u00fev\u00ed \u00e1 hann vi\u00f0 a\u00f0 stj\u00f3rn r\u00edkisfj\u00e1rm\u00e1la (undir forystu fors\u00e6tis- og fj\u00e1rm\u00e1lar\u00e1\u00f0herra) og stj\u00f3rn peningam\u00e1la (undir forystu Se\u00f0labankastj\u00f3ra) eigi a\u00f0 haldast h\u00f6nd \u00ed h\u00f6nd. Markmi\u00f0i\u00f0 me\u00f0 samr\u00e6mdri hagstj\u00f3rn er a\u00f0 stu\u00f0la a\u00f0 jafnv\u00e6gi og st\u00f6\u00f0ugleika \u00ed hagkerfinu. Til \u00feess a\u00f0 fyrirt\u00e6ki geti\u00f0 vaxi\u00f0 og dafna\u00f0 til lengri t\u00edma liti\u00f0, ekki s\u00edst \u00feau sem byggja afkomu s\u00edna \u00e1 \u00fatflutningi, ver\u00f0a \u00feau a\u00f0 geta reitt sig \u00e1 st\u00f6\u00f0ugleika sj\u00e1lfs gjaldmi\u00f0ilsins umfram allt anna\u00f0. Flestum d\u00f3mb\u00e6rum m\u00f6nnum ber saman um a\u00f0 \u00feetta hafi brug\u00f0ist hrapallega \u00e1 undanf\u00f6rnum sex-sj\u00f6 \u00e1rum.<\/p>\n
L\u00edtum fyrst \u00e1 r\u00edkisfj\u00e1rm\u00e1lin. Vegna st\u00f3rvirkjana fyrir austan og n\u00fdrrar \u00e1lbr\u00e6\u00f0slu \u00ed tengslum vi\u00f0 \u00fe\u00e6r var \u00fean\u00feol hagkerfisins spennt til hins \u00fdtrasta. \u00deessar st\u00f3rframkv\u00e6mdir h\u00f6f\u00f0u \u00ed f\u00f6r me\u00f0 s\u00e9r innstreymi erlends l\u00e1nsfj\u00e1r sem nam allt a\u00f0 \u00feri\u00f0jungi \u00fej\u00f3\u00f0arframlei\u00f0slunnar, auk \u00feess sem boginn var spenntur til hins \u00fdtrasta \u00e1 vinnumarka\u00f0num. Til \u00feess a\u00f0 aftra \u00feenslu og vi\u00f0halda st\u00f6\u00f0ugleika \u00feurfti r\u00edkisstj\u00f3rnin a\u00f0 st\u00edga \u00e1 bremsurnar og draga \u00far framkv\u00e6mdum og neyslu \u00e1 \u00f6\u00f0rum svi\u00f0um \u00e1 sama t\u00edma. \u00dea\u00f0 ger\u00f0i h\u00fan ekki. \u00devert \u00e1 m\u00f3ti, r\u00edkisstj\u00f3rnin kynti me\u00f0 r\u00edkisfj\u00e1rm\u00e1lastefnu sinni undir \u00feenslunni. \u00cd framhaldi af einkav\u00e6\u00f0ingu bankanna, sem \u00feegar \u00ed sta\u00f0 h\u00f3fu har\u00f0a samkeppni um marka\u00f0shlutdeild inn- og \u00fatl\u00e1na, h\u00e6kka\u00f0i r\u00edkisstj\u00f3rnin ve\u00f0m\u00f6rk fasteignal\u00e1na. \u00dear me\u00f0 hratt h\u00fan af sta\u00f0 svokalla\u00f0ri fasteignaver\u00f0sb\u00f3lu, sem kynti enn frekar undir ver\u00f0b\u00f3lgu. \u00datl\u00e1na\u00feenslan h\u00e6kka\u00f0i enn frekar ver\u00f0 fasteigna sem aftur var\u00f0 andlag aukinnar skuldsetningar. Me\u00f0 \u00feessum h\u00e6tti kyntu stj\u00f3rnv\u00f6ld undir skuldsetningu fyrirt\u00e6kja og heimila me\u00f0 alvarlegum aflei\u00f0ingum s\u00ed\u00f0ar meir, eins og n\u00fa hefur komi\u00f0 \u00e1 daginn.<\/p>\n
\u00deess ber l\u00edka a\u00f0 geta sem vel er gert. Svo sem vera bar nota\u00f0i fj\u00e1rm\u00e1lar\u00e1\u00f0herra hluta af s\u00edvaxandi tekjustreymi \u00ed r\u00edkissj\u00f3\u00f0 af s\u00edvaxandi vi\u00f0skiptahalla til a\u00f0 grei\u00f0a ni\u00f0ur skuldir r\u00edkissj\u00f3\u00f0s. En \u00feenslan var or\u00f0in svo mikil a\u00f0 r\u00edkisgeirinn \u00feandist stj\u00f3rnlaust \u00fat, enda \u00f6ll a\u00f0haldssemi l\u00e1tin l\u00f6nd og lei\u00f0. R\u00e1\u00f0uneyti og stofnanir b\u00f3kstaflega t\u00fatnu\u00f0u \u00fat sem aldrei fyrr. Opinberi geirinn st\u00e6kka\u00f0i \u00far um 36% af landsframlei\u00f0slu \u00ed allt a\u00f0 48%, \u00e1 f\u00e1einum \u00e1rum. \u00deetta hefur veri\u00f0 kalla\u00f0 heimsmet \u00ed \u00fat\u00feenslu r\u00edkisb\u00e1knsins undir handlei\u00f0slu fors\u00e6tis- og fj\u00e1rm\u00e1lar\u00e1\u00f0herra Sj\u00e1lfst\u00e6\u00f0isflokksins. Man einhver eftir slagor\u00f0inu um b\u00e1kni\u00f0 burt? Var einhver a\u00f0 tala um stefnufestu? \u00deessu til vi\u00f0b\u00f3tar voru skattar l\u00e6kka\u00f0ir \u00e1 fyrirt\u00e6ki og fj\u00e1rmagnseigendur, sem j\u00f3k enn \u00e1 \u00feensluna. Me\u00f0 \u00fev\u00ed a\u00f0 l\u00e1ta pers\u00f3nuafsl\u00e1ttinn til fr\u00e1dr\u00e1ttar tekjuskatti einstaklinga standa \u00ed sta\u00f0 \u00ed ver\u00f0b\u00f3lgunni var skattbyr\u00f0i hinna verst settu hins vegar aukin um lei\u00f0 og kerfi almannatrygginga var l\u00e1ti\u00f0 drabbast ni\u00f0ur me\u00f0 fl\u00f3knum og f\u00e1r\u00e1nlegum sker\u00f0ingar\u00e1kv\u00e6\u00f0um. Heildarni\u00f0ursta\u00f0an var eftir sem \u00e1\u00f0ur s\u00fa a\u00f0 opinberi geirinn , \u00fe.e. r\u00edki og sveitarf\u00e9l\u00f6g, voru \u00e1 fullu vi\u00f0 a\u00f0 kynda undir \u00feenslu og skuldsetningu \u00fej\u00f3\u00f0arb\u00fasins.<\/p>\n
Og ekki b\u00e6tti peningam\u00e1lastj\u00f3rnin \u00far sk\u00e1k. \u00c1ri\u00f0 2001 setti Se\u00f0labankinn s\u00e9r ver\u00f0b\u00f3lgumarkmi\u00f0 upp \u00e1 2.5% me\u00f0 vikm\u00f6rkum. Skemmst er fr\u00e1 \u00fev\u00ed a\u00f0 segja a\u00f0 \u00feessi markmi\u00f0ssetning n\u00e1\u00f0ist aldrei nema skamma hr\u00ed\u00f0 \u00e1 t\u00edmabili. Reyndar hefur Se\u00f0labankinn veri\u00f0 v\u00ed\u00f0s fj\u00e1rri \u00fev\u00ed a\u00f0 n\u00e1 yfirl\u00fdstum markmi\u00f0um s\u00ednum sem eitt \u00fat af fyrir sig hefur dregi\u00f0 \u00far tr\u00faver\u00f0ugleika hans. Se\u00f0labankinn hef\u00f0i \u00e1tt a\u00f0 vera s\u00e9rstaklega vel \u00e1 ver\u00f0i gagnvart \u00fatl\u00e1na\u00feenslu bankanna \u00ed framhaldi af einkav\u00e6\u00f0ingu \u00feeirra. Margir bentu \u00e1 \u00fea\u00f0 fr\u00e1 upphafi a\u00f0 bankinn \u00e6tti a\u00f0 auka bindiskyldu vi\u00f0skiptabankanna til \u00feess a\u00f0 draga \u00far \u00fatl\u00e1nagetu \u00feeirra. Se\u00f0labankinn ger\u00f0i \u00fever\u00f6fugt. Hann l\u00e6kka\u00f0i bindiskylduna og \u00fdtti \u00fear me\u00f0 undir \u00feensluna. Se\u00f0labankanum er l\u00edka skylt a\u00f0 hafa n\u00e1kv\u00e6mt eftirlit me\u00f0 lausafj\u00e1rst\u00f6\u00f0u bankanna, sem er \u00fe\u00fd\u00f0ingarmiki\u00f0 \u00f6ryggisatri\u00f0i, en \u00e1 \u00fev\u00ed hefur veri\u00f0 alvarlegur misbrestur eins og s\u00e9rfr\u00e6\u00f0ingar hafa bent \u00e1.<\/p>\n
\u00dea\u00f0 var \u00fe\u00f3 fyrst og fremst hinn hra\u00f0i v\u00f6xtur bankakerfisins \u00ed kj\u00f6lfar einkav\u00e6\u00f0ingarinnar sem \u00e1tti a\u00f0 vera Se\u00f0labankanum s\u00e9rstakt \u00e1hyggjuefni. Bankakerfi\u00f0 er sagt hafa \u00feanist \u00fat fr\u00e1 \u00fev\u00ed a\u00f0 hafa veri\u00f0 \u00ed kringum \u00feri\u00f0jung landsframlei\u00f0slu fyrir einkav\u00e6\u00f0ingu upp \u00ed \u00fea\u00f0 a\u00f0 vera undir lokin or\u00f0i\u00f0 t\u00f3lffalt \u00edslenska hagkerfi\u00f0. L\u00f6ngu \u00e1\u00f0ur en \u00feessi ofv\u00f6xtur hlj\u00f3p \u00ed bankakerfi\u00f0, beint fyrir framan nefi\u00f0 \u00e1 Se\u00f0labankanum, \u00e1tti bankinn a\u00f0 gr\u00edpa \u00ed taumana. Anna\u00f0 hvort me\u00f0 \u00fev\u00ed a\u00f0 auka gjaldeyrisfor\u00f0a sinn, \u00feannig a\u00f0 hann g\u00e6ti talist tr\u00faver\u00f0ugur mi\u00f0a\u00f0 vi\u00f0 skuldbindingar vi\u00f0skiptabankanna, (sem hef\u00f0i tr\u00falega reynst okkur ofvi\u00f0a); e\u00f0a me\u00f0 \u00fev\u00ed a\u00f0 kn\u00fdja einhvern bankanna, og \u00fe\u00e1 helst \u00feann st\u00e6rsta \u00feeirra, til \u00feess a\u00f0 flytja h\u00f6fu\u00f0st\u00f6\u00f0var s\u00ednar erlendis, \u00fear sem hann hef\u00f0i starfa\u00f0 \u00ed skj\u00f3li \u00f6flugari se\u00f0labanka og \u00fear me\u00f0 dregi\u00f0 \u00far \u00e1h\u00e6ttu \u00edslenska r\u00edkisins (les: skattgrei\u00f0enda). Se\u00f0labankinn ger\u00f0i hvorugt, \u00fer\u00e1tt fyrir vi\u00f0varanir d\u00f3mb\u00e6rra manna innanlands og erlendis. Se\u00f0labankastj\u00f3ri ber fram \u00fe\u00e6r m\u00e1lsb\u00e6tur a\u00f0 hann hafi \u00ed febr\u00faar \u00e1 \u00feessu \u00e1ri vara\u00f0 b\u00e6\u00f0i r\u00edkisstj\u00f3rn og stj\u00f3rnendur vi\u00f0skiptabankanna vi\u00f0 yfirvofandi h\u00e6ttu\u00e1standi. Svari\u00f0 vi\u00f0 \u00fev\u00ed er a\u00f0 Se\u00f0labankinn \u00e1tti l\u00f6ngu \u00e1\u00f0ur, ekki a\u00f0eins a\u00f0 hafa vara\u00f0 a\u00f0ra vi\u00f0, heldur hef\u00f0i hann \u00e1tt a\u00f0 gr\u00edpa til r\u00e1\u00f0stafana \u00ed t\u00e6ka t\u00ed\u00f0 til a\u00f0 draga \u00far \u00feeirri \u00e1h\u00e6ttu sem vi\u00f0skiptavinum bankanna og \u00fej\u00f3\u00f0arb\u00fainu \u00ed heild stafa\u00f0i af skuldsetningu \u00feeirra.<\/p>\n
Margir hafa or\u00f0i\u00f0 til \u00feess a\u00f0 benda \u00e1 a\u00f0 st\u00fdrivaxtah\u00e6kkun bankans gat ekki skila\u00f0 miklum \u00e1rangri vi\u00f0 r\u00edkjandi a\u00f0st\u00e6\u00f0ur. B\u00e6\u00f0i er a\u00f0 langt\u00edmal\u00e1n t.d. \u00c1 h\u00fasn\u00e6\u00f0ismarka\u00f0i eru ver\u00f0trygg\u00f0 og me\u00f0 f\u00f6stum v\u00f6xtum svo a\u00f0 h\u00e6kkun st\u00fdrivaxta hefur l\u00edtil \u00e1hrif \u00e1 \u00feeim marka\u00f0i til skamms t\u00edma. A\u00f0gengi f\u00f3lks og fyrirt\u00e6kja a\u00f0 erlendum l\u00e1num \u00e1 l\u00e1gum v\u00f6xtum fyrir millig\u00f6ngu vi\u00f0skiptabankanna var \u00e1 sama t\u00edma n\u00e6r takmarkalaust. Hins vegar haf\u00f0i h\u00e6kkun st\u00fdrivaxta Se\u00f0labankans fyrirsj\u00e1anleg og \u00f3\u00e6skileg hli\u00f0ar\u00e1hrif. Hinn mikli vaxtamunur milli \u00cdslands og annarra landa vakti athygli gjaldmi\u00f0la- og vaxtamunarbraskara, sem eyg\u00f0u von um skj\u00f3tfenginn gr\u00f3\u00f0a me\u00f0 kaupum \u00e1 \u00edslenskum vaxtabr\u00e9fum. Innstreymi erlends fj\u00e1rmagns var\u00f0 til \u00feess a\u00f0 h\u00e6kka gengi kr\u00f3nunnar langt umfram langt\u00edmajafnv\u00e6gisgengi.H\u00e1tt gengi kr\u00f3nunnar \u00f6rva\u00f0i innflutning, j\u00f3k \u00e1 skuldsetningu fyrirt\u00e6kja og heimila og magna\u00f0i vi\u00f0skiptahallann.<\/p>\n
Heildar\u00e1hrifin af peningam\u00e1lastj\u00f3rnun Se\u00f0labankans voru \u00fev\u00ed \u00ed reynd \u00fever\u00f6fug \u00e1 vi\u00f0 yfirl\u00fdsta stefnu. Me\u00f0 \u00feessari stefnu var gengisst\u00f6\u00f0ugleika fyrirsj\u00e1anlega stefnt \u00ed vo\u00f0a, auk \u00feess sem kynt var undir neyslu\u00e6\u00f0i, vi\u00f0skiptahalla og skuldsetningu. Undir lokin voru \u00edslensk heimili or\u00f0in hin skuldsettustu \u00ed heiminum.<\/p>\n
\u00deetta var hagkerfi sem bar \u00f6ll ytri merki \u00f3st\u00f6\u00f0ugleika og jafnv\u00e6gisleysis. R\u00edkisstj\u00f3rn og Se\u00f0labanki h\u00f6f\u00f0u \u00ed sameiningu, vegna skorts \u00e1 samr\u00e6mdri hagstj\u00f3rn, b\u00fai\u00f0 til falska velmegun sem var mestan part fengin a\u00f0 l\u00e1ni. \u00dea\u00f0 m\u00e1tti l\u00edti\u00f0 \u00fat af bera til \u00feess a\u00f0 spilaborgin hryndi. Um lei\u00f0 og l\u00e1nal\u00ednur erlendra banka brug\u00f0ust, \u00ed kj\u00f6lfar hinnar amr\u00edsku bankakreppu, sem n\u00fa er or\u00f0in al\u00fej\u00f3\u00f0leg, hrundi spilaborgin. S\u00e9rsta\u00f0a \u00cdslands \u00ed \u00feessari bankakreppu er s\u00fa a\u00f0 fj\u00e1rm\u00e1lakerfi \u00fej\u00f3\u00f0arinnar \u00ed heild hrundi til grunna og a\u00f0 gjaldmi\u00f0illinn sj\u00e1lfur var \u00ed frj\u00e1lsu falli, uns hann brotlenti me\u00f0 \u00f3sk\u00f6pum.<\/p>\n
\u00deetta er ni\u00f0ursta\u00f0an af \u00feeirri efnahagsstefnu, sem Sj\u00e1lfst\u00e6\u00f0isflokkurinn ber h\u00f6fu\u00f0\u00e1byrg\u00f0 \u00e1 s.l. Sautj\u00e1n \u00e1r. \u00dea\u00f0 er ekki bara a\u00f0 fors\u00e6tis- og fj\u00e1rm\u00e1lar\u00e1\u00f0herrum flokksins, item se\u00f0labankastj\u00f3ra, hafi veri\u00f0 mislag\u00f0ar hendur. \u00deeir skilja beinl\u00ednis vi\u00f0 hagkerfi\u00f0 \u00ed rj\u00fakandi r\u00fast eins og \u00fea\u00f0 hafi lent \u00ed str\u00ed\u00f0s\u00e1t\u00f6kum e\u00f0a n\u00e1tt\u00faruhamf\u00f6rum. \u00dear me\u00f0 er Sj\u00e1lfst\u00e6\u00f0isflokkurinn or\u00f0inn a\u00f0 p\u00f3lit\u00edsku \u00ferotab\u00fai, sem \u00e6tti sj\u00e1lfur a\u00f0 sj\u00e1 s\u00f3ma sinn \u00ed a\u00f0 \u00f3ska eftir grei\u00f0slust\u00f6\u00f0vun og gjald\u00ferotame\u00f0fer\u00f0. Ella ver\u00f0a kj\u00f3sendur a\u00f0 taka af honum \u00f3maki\u00f0.<\/p>","protected":false},"excerpt":{"rendered":"
Sj\u00e1lfst\u00e6\u00f0isflokkurinn hefur veri\u00f0 r\u00e1\u00f0andi afl \u00ed stj\u00f3rnm\u00e1lum \u00e1 \u00cdslandi \u00e1 l\u00fd\u00f0veldist\u00edmanum. S\u00ed\u00f0astli\u00f0in sautj\u00e1n \u00e1r hefur flokkurinn fari\u00f0 me\u00f0 allt \u00ed senn fors\u00e6tisr\u00e1\u00f0uneyti\u00f0, fj\u00e1rm\u00e1lar\u00e1\u00f0uneyti\u00f0 og stj\u00f3rn Se\u00f0labankans(\u00ed pers\u00f3num tvegga fyrrverandi borgarstj\u00f3ra Reykjav\u00edkur). \u00dear me\u00f0 ber Sj\u00e1lfst\u00e6\u00f0isflokkurinn \u00f3umdeilanlega h\u00f6fu\u00f0\u00e1 byrg\u00f0 \u00e1 \u00feeirri efnahagsstefnu, sem n\u00fa hefur be\u00f0i\u00f0 algert skipbrot. <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-1079","post","type-post","status-publish","format-standard","hentry","category-allar_greinar","category-greinar_og_vidtol"],"_links":{"self":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1079","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1079"}],"version-history":[{"count":2,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1079\/revisions"}],"predecessor-version":[{"id":2901,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1079\/revisions\/2901"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1079"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1079"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1079"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}