P\u00edratar spyrja: Eru\u00f0 \u00fei\u00f0 samm\u00e1la okkur um, a\u00f0 \u00fea\u00f0 \u00feurfi kerfisbreytingu? N\u00fdja stj\u00f3rnarskr\u00e1? Gjaldt\u00f6ku fyrir au\u00f0lindan\u00fdtingu? Gjaldfrj\u00e1lsa heilbrig\u00f0is\u00fej\u00f3nustu? B\u00e6tta a\u00f0komu almennings a\u00f0 \u00e1kvar\u00f0anat\u00f6ku? \u00darr\u00e6\u00f0i gegn spillingu? \u00deeir beina \u00feessu til VG, BF, SF og Vi\u00f0reisnar. V\u00e6ntanlega hafa vi\u00f0m\u00e6lendur eitthva\u00f0 til m\u00e1lanna a\u00f0 leggja (h\u00fasn\u00e6\u00f0ism\u00e1l?, menntakerfi?, al\u00fej\u00f3\u00f0samstarf?). En kjarni m\u00e1lsins er \u00feessi: Hverjir eru f\u00fasir til a\u00f0 starfa saman a\u00f0 r\u00f3tt\u00e6kri kerfisbreytingu \u00e1 \u00edslensku \u00fej\u00f3\u00f0f\u00e9lagi?<\/b><\/p>\n\n\n\n\n\n\u00d3j\u00f6fnu\u00f0ur<\/h3>\n
\u00dea\u00f0 er nefnilega a\u00f0 koma \u00e6 betur \u00ed lj\u00f3s, a\u00f0 \u00f3breytt kerfi (fj\u00e1rm\u00e1lakerfi \u00ed eigu fj\u00e1rmagnseigenda, stutt af stj\u00f3rnm\u00e1laflokkum, sem \u00feeir gera \u00fat) malar gull f\u00e1mennum forr\u00e9ttindah\u00f3pi fj\u00e1rmagnseigenda, \u00e1 sama t\u00edma og \u00feorri almennings er skuldugur upp fyrir haus \u2013 \u00fe.e.a.s., er \u00ed nau\u00f0ungarvinnu \u00ed \u00fe\u00e1gu fj\u00e1rmagnseigenda. \u00der\u00e1tt fyrir t\u00f6p sumra efnamanna af v\u00f6ldum Hrunsins, er \u00fea\u00f0 samt sem \u00e1\u00f0ur sta\u00f0reynd, a\u00f0 misskipting eigna er meiri n\u00fa en fyrir Hrun. Meira en 77% alls eigin fj\u00e1r er \u00ed eigu 10% landsmanna. N\u00e6stum 80% er me\u00f0 neikv\u00e6tt eigi\u00f0 f\u00e9 (skulda meira en \u00feeir eiga). \u00cd raun er misskiptingin mun meiri en opinbera t\u00f6lfr\u00e6\u00f0in segir til um. Fyrir \u00fev\u00ed eru tvennar \u00e1st\u00e6\u00f0ur: Ver\u00f0br\u00e9faeign er talin \u00e1 nafnver\u00f0i (fullkomlega \u00f3rauns\u00e6tt), en 86% allra ver\u00f0br\u00e9fa er \u00ed eigu 10% landsmanna. Svo vantar allar uppl\u00fdsingar um erlendar eignir (skattaskj\u00f3lin).<\/p>\n
Hverjum malar kerfi\u00f0 gull? Skj\u00f3lst\u00e6\u00f0ingum kerfisins \u00ed formi au\u00f0lindarentu af au\u00f0lindum (hagna\u00f0ur sj\u00e1var\u00fatvegsfyrirt\u00e6kja 242 milljar\u00f0ar, \u00e1 sama t\u00edma og vei\u00f0igj\u00f6ld eru l\u00e6kku\u00f0 \u00far 12.8 millj\u00f6r\u00f0um \u00ed 4.8 milljar\u00f0a. Tengslanet kerfisins er \u00f3breytt.: Fr\u00e1 einkavinav\u00e6\u00f0ingu bankanna 2003, sem leiddi af s\u00e9r Hruni\u00f0, til einkavinav\u00e6\u00f0ingar \u00e1 s\u00edmanum og Landsbankans \u00e1 Borgun. D\u00e6min eru legio: Eignir og ar\u00f0ur safnast \u00e1 f\u00e1ar hendur \u00ed skj\u00f3li fyrirgrei\u00f0sluspillingar kerfisflokka.<\/p>\n
N\u00e6stu kosningar eiga a\u00f0 sn\u00faast bara um eitt m\u00e1l: Viltu breyta \u00feessu kerfi e\u00f0a ekki?<\/b> Ef \u00fe\u00fa ert partur af \u00feessu kerfi, \u00fearf ekki a\u00f0 spyrja \u2013 \u00fe\u00e1 k\u00fdstu kerfisflokkana \u2013 Sj\u00e1lfst\u00e6\u00f0isframs\u00f3knarflokkinn. Ef \u00fe\u00fa vilt kerfisbreytingu, beitir \u00fe\u00fa \u00fe\u00ednu atkv\u00e6\u00f0i, \u00fear sem \u00fea\u00f0 n\u00fdtist best, til a\u00f0 v\u00edsa kerfisflokkunum \u00e1 dyr \u00fat \u00far stj\u00f3rnarr\u00e1\u00f0inu. P\u00edratar, VG, SF, BF \u2013 og \u00fea\u00f0 var r\u00e9tt hj\u00e1 P\u00edr\u00f6tum a\u00f0 kalla l\u00edka \u00e1 Vi\u00f0reisn til vi\u00f0r\u00e6\u00f0na. \u00de\u00e1 svara \u00feessir a\u00f0ilar \u00fev\u00ed \u2013 fyrir kosningar \u2013 hvort \u00feeir eru rei\u00f0ub\u00fanir a\u00f0 sty\u00f0ja \u00fe\u00e1 kerfisbreytingu, sem \u00fearf til a\u00f0 st\u00f6\u00f0va \u00e1framhaldandi misskiptingu og sn\u00faa \u00feeirri \u00fer\u00f3un vi\u00f0.<\/p>\n
\u00c9g hef \u00e1 \u00f6\u00f0rum sta\u00f0 r\u00f6kstutt r\u00e6kilega nau\u00f0syn r\u00f3tt\u00e6kra kerfisbreytinga. \u00dea\u00f0 ger\u00f0i \u00e9g \u00ed erindi, sem nefnist: \u201eErindisbr\u00e9f handa jafna\u00f0arm\u00f6nnum \u00e1 n\u00fdrri \u00f6ld\u201c: A\u00f0 \u00fev\u00ed er var\u00f0ar framkv\u00e6mdina, v\u00edsa \u00e9g til fylgiskjals me\u00f0 erindi m\u00ednu, \u00fear sem taldar eru upp 15 breytingatill\u00f6gur var\u00f0andi banka og fj\u00e1rm\u00e1lakerfi\u00f0 (sj\u00e1 jbh.is<\/a>, pressan.is<\/a> og stundin.is<\/a>) \u00c9g minni l\u00edka \u00e1 sk\u00fdrslu Frosta Sigurj\u00f3ssonar, fv. \u00feingmanns Frams\u00f3knar, til frekari r\u00f6kstu\u00f0nings me\u00f0 \u00feessum till\u00f6gum. Frosti er h\u00e6ttur, enda ger\u00f0i Frams\u00f3kn ekkert me\u00f0 till\u00f6gur hans.<\/p>\n Um ver\u00f0trygginguna<\/b>, sem getur or\u00f0i\u00f0 a\u00f0 \u00e1steytingarsteini: Ver\u00f0tryggingin var \u00e1 s\u00ednum t\u00edma ney\u00f0ar\u00farr\u00e6\u00f0i til a\u00f0 for\u00f0a l\u00edfeyrissj\u00f3\u00f0um vinnandi f\u00f3lks fr\u00e1 \u00fev\u00ed a\u00f0 fu\u00f0ra upp \u00e1 ver\u00f0b\u00f3lgub\u00e1li; og til \u00feess a\u00f0 skapa hvata fyrir sparna\u00f0, sem er undirsta\u00f0a fj\u00e1rfestinga og framfara. Ney\u00f0ar\u00farr\u00e6\u00f0i, sag\u00f0i \u00e9g, af \u00fev\u00ed a\u00f0 gjaldmi\u00f0ill okkar var, og er, gersamlega \u00f3n\u00fdtur. En ver\u00f0ryggingin var hugsu\u00f0 sem ekki bara ney\u00f0ar\u00farr\u00e6\u00f0i heldur br\u00e1\u00f0abirg\u00f0a\u00farr\u00e6\u00f0i. Til a\u00f0 kve\u00f0a ni\u00f0ur verb\u00f3lgu. H\u00fan \u00e1tti a\u00f0 gilda \u00feanga\u00f0 til vi\u00f0 g\u00e6tum teki\u00f0 upp noth\u00e6fan gjaldmi\u00f0il. \u00dea\u00f0 hefur ekki gengi\u00f0 eftir.<\/p>\n \u00dea\u00f0 mun a\u00f0 \u00f6llum l\u00edkindum ekki gerast \u00ed n\u00e1inni framt\u00ed\u00f0. \u00dea\u00f0 \u00fe\u00fd\u00f0ir, a\u00f0 vi\u00f0 sitjum uppi me\u00f0 \u00f3fyrirs\u00e9\u00f0ar, neikv\u00e6\u00f0ar, aflei\u00f0ingar ver\u00f0tryggingar: \u00d6ll \u00e1h\u00e6tta af ytri \u00e1f\u00f6llum og innra \u00f3jafnv\u00e6gi \u00ed efnahagsl\u00edfinu hefur f\u00e6rst fr\u00e1 fj\u00e1rmagnseigendum yfir \u00e1 her\u00f0ar skuldunauta (laun\u00feega). Gengisfelling veldur ver\u00f0b\u00f3lgu. L\u00e1nveitendur f\u00e1 \u00fea\u00f0 tryggt (gegnum ver\u00f0tryggingu), en l\u00e1ntakendur bera ska\u00f0ann. Sveiflukennt hagkerfi pl\u00fas ver\u00f0trygging til langs t\u00edma er \u00fev\u00ed eitra\u00f0ur kokteill fyrir laun\u00feega \u2013 en bj\u00f6rgunarvesti fyrir fj\u00e1rmagnseigendur. \u00deessu ver\u00f0ur a\u00f0 breyta.<\/p>\n Hvernig? \u00dear til vi\u00f0 getum teki\u00f0 upp noth\u00e6fan gjaldmi\u00f0il, s\u00e9 \u00e9g ekki a\u00f0ra lausn en sveigjanlega fastgengisstefnu \u2013 sem kallar \u00e1 a\u00f0 vi\u00f0halda h\u00f6ftum \u00e1 fj\u00e1rmagnsflutninga \u2013 og minnka verulega v\u00e6gi ver\u00f0tryggingar \u00ed lei\u00f0inni. Myntr\u00e1\u00f0, eins og Vi\u00f0reisn bo\u00f0ar \u2013 hefur v\u00ed\u00f0ast hvar reynst illa. \u00deetta er lykilatri\u00f0i var\u00f0andi kerfisbreytingu, sem stj\u00f3rnarandsta\u00f0an ver\u00f0ur a\u00f0 n\u00e1 samst\u00f6\u00f0u um.<\/p>\n Harmkv\u00e6li unga f\u00f3lksins \u00ed h\u00fasn\u00e6\u00f0ism\u00e1lum er lykilatri\u00f0i, sem kallar \u00e1 tr\u00faver\u00f0ugar lausnir. Bygginga\u00e1\u00e6tlun Dags, borgarstj\u00f3ra, vekur vonir. Auki\u00f0 frambo\u00f0 \u00e1 \u00f3d\u00fdru \u00edb\u00fa\u00f0ah\u00fasn\u00e6\u00f0i \u00e1 vi\u00f0r\u00e1\u00f0anlegum kj\u00f6rum hefur mest \u00e1hrif til a\u00f0 l\u00e6kka fasteignaver\u00f0. Vi\u00f0 eigum ekki a\u00f0 finna upp hj\u00f3li\u00f0. Vi\u00f0 eigum a\u00f0 bj\u00f3\u00f0a upp \u00e1 vel \u00fatf\u00e6r\u00f0a valkosti milli eignar\u00edb\u00fa\u00f0a, leigu\u00edb\u00fa\u00f0a, \u00edb\u00fa\u00f0a \u00ed f\u00e9lagslegri eigu, samvinnuf\u00e9laga og \u00edb\u00fa\u00f0a \u00ed eigu sveitarf\u00e9laga. Fyrirmyndirnar eru a\u00f0 finna \u00ed n\u00e1grannal\u00f6ndum okkar. \u00dear hafa lausnir \u00e1 \u00feessum frum\u00fe\u00f6rfum f\u00f3lks veri\u00f0 \u00ed bo\u00f0i \u00e1ratugum saman. Lykillinn a\u00f0 lausnum er a\u00f0 bj\u00f3\u00f0a upp \u00e1 fj\u00f6lbreytt val undir f\u00e9lagslegri stj\u00f3rn. \u00dea\u00f0 sem ber a\u00f0 for\u00f0ast, er stj\u00f3rnleysi marka\u00f0arins<\/b> \u00ed h\u00f6ndum byggingarverktaka \u00ed leit a\u00f0 skyndigr\u00f3\u00f0a.<\/p>\n Svo er \u00fea\u00f0 \u00feetta me\u00f0 stj\u00f3rnarskr\u00e1na<\/b>. Dav\u00ed\u00f0 Oddsson t\u00f6nnla\u00f0ist \u00e1 \u00fev\u00ed fyrir forsetakosningarnar, a\u00f0 stj\u00f3rnarskr\u00e1in hef\u00f0i ekki valdi\u00f0 Hruninu. \u00dea\u00f0 var r\u00e9tt hj\u00e1 honum. Hann var sj\u00e1lfur miklu meiri orsakavaldur Hrunsins en gamla stj\u00f3rnarskr\u00e1in per se. En Hruni\u00f0 afhj\u00fapa\u00f0i stj\u00f3rnarfarslega veikleika l\u00fd\u00f0veldisins: Misv\u00e6gi atkv\u00e6\u00f0isr\u00e9ttar, r\u00e1\u00f0herrar\u00e6\u00f0i, fyrirgrei\u00f0sluspillinguna, ofr\u00edki framkv\u00e6mdavalds gagnvart Al\u00feingi, vanm\u00e1tt stj\u00f3rnkerfis og eftirlitsstofnana o. fl. \u00dej\u00f3\u00f0f\u00e9l\u00f6g, sem ver\u00f0a fyrir \u00e1f\u00f6llum (\u00f3sigur \u00ed styrj\u00f6ldum, efnahagshrun), reyna a\u00f0 byrja upp \u00e1 n\u00fdtt. Vi\u00f0 \u00feurfum kerfisbreytingu, sem yr\u00f0i innsiglu\u00f0 me\u00f0 n\u00fdrri stj\u00f3rnarskr\u00e1. N\u00fdja byrjun. L\u00e1tum ekki l\u00f6gfr\u00e6\u00f0ingakl\u00edkuna, sem hefur maka\u00f0 kr\u00f3kinn eftir Hrun, villa okkur s\u00fdn um \u00feetta umb\u00f3tam\u00e1l.<\/p>\n Stj\u00f3rnm\u00e1laflokkar eru t\u00e6ki \u00ed h\u00f6ndum okkar til \u00feess a\u00f0 hafa \u00e1hrif \u00e1 \u00fea\u00f0 \u2013 \u00ed nafni l\u00fd\u00f0r\u00e6\u00f0is \u2013 \u00ed hvers konar \u00fej\u00f3\u00f0f\u00e9lagi vi\u00f0 viljum lifa. Sumir stj\u00f3rnm\u00e1laflokkar eru kerfisflokkar. \u00deeir einfaldlega \u00fej\u00f3na hagsmunum r\u00edkjandi kerfis. \u00deeirra hlutverk er a\u00f0 vi\u00f0halda \u00f3breyttu \u00e1standi. \u00deessir flokkar heita Sj\u00e1lfst\u00e6\u00f0isflokkur og Frams\u00f3knarflokkur. Fylgisaukning P\u00edrata endurspeglar hvort tveggja, vantraust st\u00f3rs hluta \u00fej\u00f3\u00f0arinnar \u00e1 r\u00edkjandi kerfi, \u00fe.m.t. \u00e1 \u00feeim stj\u00f3rnm\u00e1laflokkum, sem fyrir voru. Bj\u00f6rt framt\u00ed\u00f0 endurspeglar \u00f3beit yngri kynsl\u00f3\u00f0ar \u00e1 ofr\u00edkisstj\u00f3rnm\u00e1lum gamla flokkakerfisins (eins og \u00fea\u00f0 birtist \u00e1 Al\u00feingi). Hva\u00f0 er Vi\u00f0reisn? \u00dea\u00f0 er frj\u00e1lslyndari parturinn af Sj\u00e1lfst\u00e6\u00f0isflokknum, sem hefur hr\u00f6kklast \u00fea\u00f0an \u00fat undan ofr\u00edki og einelti Dav\u00ed\u00f0s-kl\u00edkunnar. Stefnan er eiginlega s\u00f3tt til Al\u00fe\u00fd\u00f0uflokksins gamla \u2013 en \u00fea\u00f0 vantar s\u00fdnilegan stu\u00f0ning laun\u00feega \u00ed farmbj\u00f3\u00f0endahj\u00f6r\u00f0 Samtaka atvinnul\u00edfsins.<\/p>\n Ni\u00f0ursta\u00f0an er \u00feessi:<\/b> Kosningarnar sn\u00faast um \u00fea\u00f0, a\u00f0 v\u00edsa kerfisflokkunum \u00e1 dyr \u00fat \u00far stj\u00f3rnarr\u00e1\u00f0inu. Vi\u00f0 viljum ekki bara n\u00fd andlit. Vi\u00f0 viljum kerfisbreytingu<\/b>. \u00datspil P\u00edrata um stj\u00f3rnarmyndunarvi\u00f0r\u00e6\u00f0ur fyrir kosningar, sem lei\u00f0i \u00ed lj\u00f3s, hvort stj\u00f3rnarandst\u00f6\u00f0uflokkarnir vilji lofa kj\u00f3sendum \u00fev\u00ed fyrir kosningar a\u00f0 stu\u00f0la a\u00f0 kerfisbreytingu e\u00f0a ekki, ver\u00f0ur vonandi lei\u00f0arv\u00edsir fyrir mig og \u00feig um, hvar eigi a\u00f0 setja krossinn. A\u00f0 vera \u2013 e\u00f0a vera ekki \u2013 \u00fea\u00f0 er spurningin. \u00dea\u00f0 er okkar a\u00f0 svara \u00feeirri spurningu \u00e1 kj\u00f6rdag.<\/p>","protected":false},"excerpt":{"rendered":" \u00daTSPIL P\u00edrata er ekki tilbo\u00f0 um stj\u00f3rnarmyndunarvi\u00f0r\u00e6\u00f0ur fyrir kosningar. \u00deett er tilraun til a\u00f0 f\u00e1 svar vi\u00f0 einfaldri spurningu: Hverjir eru f\u00fasir til a\u00f0 starfa saman a\u00f0 r\u00f3tt\u00e6kri kerfisbreytingu \u00e1 \u00edslensku \u00fej\u00f3\u00f0f\u00e9lagi eftir n\u00e6stu konsingar, f\u00e1i \u00feeir umbo\u00f0 til. \u00deetta \u00e1 ekkert skylt vi\u00f0 kl\u00e6kjastj\u00f3rnm\u00e1l. \u00deetta er \u00ed anda gagns\u00e6is a\u00f0 norr\u00e6nni fyrirmynd \u2013 skref fram \u00e1 vi\u00f0 \u00ed l\u00fd\u00f0r\u00e6\u00f0is\u00e1tt. <\/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-1411","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\/1411","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=1411"}],"version-history":[{"count":3,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1411\/revisions"}],"predecessor-version":[{"id":2651,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1411\/revisions\/2651"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Fj\u00e1rm\u00e1lakerfi fyrir f\u00e1rmagnseigendur<\/h3>\n
N\u00fd stj\u00f3rnarskr\u00e1 \u2013 kerfisbreyting<\/h3>\n
\n………………………………………………..
\nN\u00faverandi stj\u00f3rnarandst\u00f6\u00f0uflokkar \u2013 innan \u00feings og utan \u2013 eru , s\u00f6gulega s\u00e9\u00f0, n\u00fdgr\u00e6\u00f0ingar. M.a.s. Samfylkingin, sem var stofnu\u00f0 vi\u00f0 samruna Al\u00fe\u00fd\u00f0uflokks, hluta Al\u00fe\u00fd\u00f0ubandalags og Kvennalista, er bara t\u00e1ningur. En foreldrarnir, Al\u00fe\u00fd\u00f0uflokkur, Al\u00fe\u00fd\u00f0ubandalag og Kvennalisti, voru, hver me\u00f0 s\u00ednum h\u00e6tti, stj\u00f3rnm\u00e1lahreyfingar \u00ed \u00fe\u00e1gu almannahagsmuna. \u00de\u00e6r voru ekki ger\u00f0ar \u00fat af s\u00e9rhagsmuna\u00f6flum.<\/p>\n