{"id":2457,"date":"2019-11-10T08:49:58","date_gmt":"2019-11-10T08:49:58","guid":{"rendered":"https:\/\/jbh.is\/?p=2457"},"modified":"2020-09-22T09:58:44","modified_gmt":"2020-09-22T09:58:44","slug":"krossfestur-hengdur-eda-skotinn","status":"publish","type":"post","link":"https:\/\/jbh.is\/?p=2457","title":{"rendered":"\u201eKrossfestur, hengdur e\u00f0a skotinn?\u201c"},"content":{"rendered":"\n

\u201eVi\u00f0 berum ekki a\u00f0eins \u00e1byrg\u00f0 \u00e1 gj\u00f6r\u00f0um okk\u00adar, heldur einnig \u00fev\u00ed sem vi\u00f0 l\u00e1tum \u00f3gert\u201c <\/em>– Moli\u00e9re   <\/em><\/p>\n\n\n\n

Fyr\u00adir\u00ads\u00f6gnin h\u00e9r a\u00f0 ofan er fengin a\u00f0 l\u00e1ni fr\u00e1 Sturlu P\u00e1ls\u00adsyni, sem sam\u00adkv\u00e6mt fr\u00e1\u00ads\u00f6gnum vir\u00f0\u00adist hafa veri\u00f0 ein\u00adhvers konar \u201etrou\u00adbles\u00adhoot\u00ader\u201c \u00ed fj\u00f6r\u00adbrotum Se\u00f0la\u00adbank\u00adans \u00e1 s\u00ed\u00f0\u00adustu d\u00f6gum Dav\u00ad\u00ed\u00f0s.  Sturla var a\u00f0 l\u00fdsa \u00fev\u00ed \u00ed minn\u00adis\u00adbla\u00f0i, hverra kosta v\u00e6ri v\u00f6l a\u00f0 hans mati, v\u00e6nt\u00adan\u00adlega fyrir stj\u00f3rn\u00adendur bank\u00adans, ef ekki okkur \u00f6ll, \u00ed a\u00f0drag\u00adanda Hruns.<\/p>\n\n\n\n\n\n\n\n

Og \u00fea\u00f0 var ekki fjarri lagi. \u00deri\u00f0ja st\u00e6rsta gjald\u00ad\u00ferot mann\u00adkyns\u00ads\u00f6g\u00adunn\u00adar. \u00dea\u00f0 munar um minna!  \u00dea\u00f0 t\u00f3k Sviss\u00adlend\u00adinga 300 \u00e1r a\u00f0 byggja upp banka\u00adgeira, sem nam \u00e1tt\u00adfaldri vergri lands\u00adfram\u00adlei\u00f0slu (VLF). \u00dea\u00f0 t\u00f3k \u00edslensku bankster\u00adana 5 \u00e1r a\u00f0 n\u00edfalda VLF. Allt \u00ed skuld. Eigi\u00f0 f\u00e9, sem \u00edslensku bank\u00adarnir st\u00e6r\u00f0u sig af, var allt fengi\u00f0 a\u00f0 l\u00e1ni. Eftir Hrun k\u00e6r\u00f0u 27 al\u00fej\u00f3\u00f0\u00adlegir bankar van\u00adskil \u00edslenskra banka og kr\u00f6f\u00f0\u00adust b\u00f3ta. <\/p>\n\n\n\n

\u201eVi\u00f0 komumst a\u00f0 \u00fev\u00ed, a\u00f0 FME (fj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adliti\u00f0 \u00edslenska) skilur ekki \u00e1h\u00e6tt\u00adu\u201c, s\u00f6g\u00f0u banka\u00admenn fr\u00e1 Barclays, um lei\u00f0 og \u00feeir t\u00f3ku fyrir frek\u00adari l\u00e1n til \u00cdslands (sj\u00e1. bls. 59).  \u00dea\u00f0 er n\u00fa eig\u00adin\u00adlega \u00fea\u00f0 eina, sem fj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adliti er \u00e6tla\u00f0 a\u00f0 skilja. Breg\u00f0\u00adist \u00fea\u00f0 er foki\u00f0 \u00ed flest skj\u00f3l. \u00dea\u00f0 er athygl\u00adis\u00advert a\u00f0 norski ol\u00edu\u00adsj\u00f3\u00f0\u00adur\u00adinn  komst a\u00f0 \u00feeirri ni\u00f0\u00adur\u00adst\u00f6\u00f0u, a\u00f0 besta fj\u00e1r\u00adfest\u00adingin \u00e1 \u00cdslandi v\u00e6ri a\u00f0 kaupa trygg\u00adingu fyrir van\u00adskil\u00adum. \u00dea\u00f0 v\u00e6ri pott\u00ad\u00fe\u00e9tt. Svo eru \u00edslenskir rit\u00adh\u00f6f\u00adundar a\u00f0 dunda s\u00e9r vi\u00f0 a\u00f0 skrifa sm\u00e1\u00adkrimma\u00ads\u00f6g\u00adur, sem eru \u00fe\u00fdddar \u00e1 \u00f3tal tungu\u00adm\u00e1l og selj\u00adast eins og heitar lummur um allar triss\u00adur. <\/p>\n\n\n\n

K\u00f6ngu\u00adl\u00f3\u00adar\u00advef\u00adur\u00adinn<\/h2>\n\n\n\n

En gl\u00e6pareyfar\u00adinn,  sem h\u00e9r er spunn\u00adinn af norska se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adan\u00adum, sem vi\u00f0 fengum a\u00f0 l\u00e1ni til a\u00f0 losna vi\u00f0 Dav\u00ed\u00f0 \u00e1ri\u00f0 2009, er miklu meira spenn\u00adandi. Enda meira lagt und\u00adir. T\u00edf\u00f6ld \u00fej\u00f3\u00f0\u00adar\u00adfram\u00adlei\u00f0sla a\u00f0 ve\u00f0i. Eig\u00adendur banka t\u00e6mdu \u00fe\u00e1 me\u00f0 l\u00e1num til sj\u00e1lfra s\u00edn \u2013 og hirtu gjald\u00adeyr\u00adis\u00advara\u00adsj\u00f3\u00f0 Se\u00f0la\u00adbank\u00adans \u00ed kaup\u00adb\u00e6ti  me\u00f0 hinum fr\u00e6gu \u201e\u00e1st\u00adar\u00adbr\u00e9f\u00adum\u201c \u2013 end\u00adan\u00adlega til eign\u00adar\u00adhalds\u00adf\u00e9\u00adlaga sinna, sem \u00e1ttu s\u00e9r heim\u00adil\u00adis\u00adfesti \u00ed p\u00f3st\u00adh\u00f3lfum \u00e1 p\u00e1lma\u00adeyjum Kar\u00ed\u00adba\u00adhafs\u00adins. Og l\u00edfs\u00adst\u00edll hinna n\u00fdr\u00edku var eftir \u00fev\u00ed: Einka\u00ad\u00feotur og lysti\u00adsnekkj\u00adur, sukk og svall\u00adveisl\u00adur, f\u00f3t\u00adbolta\u00adf\u00e9\u00adl\u00f6g til a\u00f0 leika s\u00e9r me\u00f0, og fj\u00f6l\u00admi\u00f0lar til a\u00f0 r\u00e9tt\u00adl\u00e6ta allt saman og fegra \u00edmynd\u00adina. <\/p>\n\n\n\n

Lykilor\u00f0in til a\u00f0 skilja \u201esy\u00adstemi\u00f0 \u00ed \u00feessum galskab\u201c eru tengsl og vensl. Inn\u00adbyr\u00f0is tengsl og vensl  banksteranna, sem \u00e1 \u00feessum \u00e1rum l\u00e9ku s\u00e9r a\u00f0 \u00f6rl\u00f6gum \u00fej\u00f3\u00f0\u00adar. T\u00e1kn\u00admynd t\u00edma\u00adbils\u00adins birt\u00adist \u00ed einu af m\u00f6rgum bindum rann\u00ads\u00f3kn\u00adar\u00adnefndar Al\u00feing\u00adis. \u00dea\u00f0 var risa\u00advax\u00adinn k\u00f6ngu\u00adl\u00f3\u00adar\u00advef\u00adur, \u00fear sem tengsl og vensl eign\u00adar\u00adhalds\u00adf\u00e9\u00adlaga me\u00f0 \u00f3tr\u00fa\u00adlega hug\u00adkv\u00e6mum nafn\u00adgift\u00adum, voru rak\u00adin.  Virtir end\u00adur\u00adsko\u00f0\u00adendur spil\u00adu\u00f0u me\u00f0 og sluppu fr\u00e1 \u00fev\u00ed, af \u00fev\u00ed a\u00f0 \u00feegar r\u00f6\u00f0in kom a\u00f0 \u00feeim hj\u00e1 s\u00e9r\u00adst\u00f6kum sak\u00ads\u00f3kn\u00adara voru fj\u00e1r\u00adveit\u00adingar \u00e1 \u00ferotum og s\u00e9r\u00adfr\u00e6\u00f0\u00adingar ekki \u00e1 lausu. Meg\u00adin\u00adverk\u00adefni bank\u00adanna var s\u00e9r\u00adfr\u00e6\u00f0i\u00adr\u00e1\u00f0\u00adgj\u00f6f til \u00feotu\u00adli\u00f0s\u00adins um yfir\u00adhylm\u00adingu og skatt\u00adsvik. <\/p>\n\n\n\n

Eftir \u00e1 spyrja menn sj\u00e1lfa sig og hver ann\u00adan, fur\u00f0u\u00adlostn\u00adir: Hvers vegna ger\u00f0i eng\u00adinn neitt? Allt ger\u00f0\u00adist \u00feetta \u00e1 vakt tveggja for\u00admanna Sj\u00e1lf\u00adst\u00e6\u00f0\u00adis\u00adflokks\u00adins. Geirs Haarde \u00ed for\u00ads\u00e6t\u00adis\u00adr\u00e1\u00f0u\u00adneyt\u00adinu og Dav\u00ad\u00ed\u00f0s Odds\u00adsonar \u00ed Se\u00f0la\u00adbank\u00adan\u00adum.  Hvers vegna ger\u00f0u \u00feeir ekki neitt? B\u00e1\u00f0ir til\u00adheyr\u00f0u \u00feeir \u00e1 yngri \u00e1rum hinum fr\u00e6ga kl\u00fabbi, sem kenndur var vi\u00f0 Eim\u00adrei\u00f0 og bo\u00f0\u00ada\u00f0i fagn\u00ada\u00f0\u00adar\u00ader\u00adindi n\u00fdfrj\u00e1ls\u00adhyggj\u00adunn\u00adar. Undir \u00feeirra stj\u00f3rn var \u00cdsland or\u00f0i\u00f0 a\u00f0 til\u00adrauna\u00adstofu n\u00fdfrj\u00e1ls\u00adhyggj\u00adunn\u00adar. Sam\u00adkv\u00e6mt kenn\u00ading\u00adunni \u00e1tti j\u00fa ekki a\u00f0 gera neitt. Mark\u00ada\u00f0\u00adirnir \u00e1ttu a\u00f0 sj\u00e1 um \u00feetta. Sam\u00adkv\u00e6mt \u00fev\u00ed var afskipta\u00adleysi\u00f0 ekki mis\u00adt\u00f6k, heldur stefna sem \u00e1tti a\u00f0 fram\u00adfylgja. <\/p>\n\n\n\n

Svikin lof\u00ador\u00f0<\/h2>\n\n\n\n

Se\u00f0la\u00adbanka\u00adstj\u00f3rar Nor\u00f0\u00adur\u00adlanda funda saman \u00feri\u00f0ja hvern m\u00e1n\u00adu\u00f0.  \u00c1 fundi \u00feeirra \u00feann 14. ma\u00ed, 2008 ba\u00f0 se\u00f0la\u00adbanka\u00adstj\u00f3ri vor um hj\u00e1lp \u2013 gjald\u00adeyr\u00adis\u00adskipta\u00adsamn\u00ading. Hinir se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adarnir settu skil\u00adyr\u00f0i. \u00deeir kr\u00f6f\u00f0\u00adust \u00feess, a\u00f0 \u00edslenska banka\u00adkerfi\u00f0 yr\u00f0i minnka\u00f0 \u2013 lang\u00adt\u00edma\u00admark\u00admi\u00f0i\u00f0 var, a\u00f0 \u00fea\u00f0 dr\u00e6gist sam\u00adan  um a.m.k. helm\u00ading. \u00deeir l\u00e9tu hringja \u00ed Geir Haar\u00adde, for\u00ads\u00e6t\u00adis\u00adr\u00e1\u00f0\u00adherra \u00cdslands, af fund\u00adin\u00adum. Geir lof\u00ada\u00f0i \u00f6llu f\u00f6gru. N\u00e6sti fundur se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adanna var hald\u00adinn eftir fall Lehmans. \u00de\u00e1 l\u00e1 allt fyr\u00adir: \u201eEkki haf\u00f0i veri\u00f0 upp\u00adfyllt neitt \u00feeirra skil\u00adyr\u00f0a, sem sett h\u00f6f\u00f0u veri\u00f0 fram \u00ed ma\u00ed. Sagan end\u00adur\u00adt\u00f3k sig\u201c, segir Stefan Ing\u00adves, s\u00e6nski se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adinn, sem var hertur \u00ed eldi s\u00e6nsku fj\u00e1r\u00adm\u00e1lakrepp\u00adunnar upp \u00far 1990. <\/p>\n\n\n\n

Fj\u00f3rum d\u00f6gum eftir hrun Lehmans, 19. sept\u00adem\u00adber, 2008  birti \u00edslenski Se\u00f0la\u00adbank\u00adinn st\u00f6\u00f0u\u00admat sitt \u00e1 minn\u00adis\u00adbla\u00f0i. Vi\u00f0\u00adbr\u00f6g\u00f0 s\u00e6nska se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adans voru \u00feessi: \u201e\u00de\u00e1 \u00feegar var n\u00e1n\u00adast allt fari\u00f0 til fjand\u00adans. Alger\u00adlega. Eng\u00adinn tr\u00fa\u00f0i or\u00f0i af \u00fev\u00ed, sem \u00fearna var sagt og skrif\u00ada\u00f0\u201c (sj\u00e1 bls. 104). \u2013 Svo segja menn, a\u00f0 banka\u00adstarf\u00adsemi sn\u00fa\u00adist um traust!<\/p>\n\n\n\n

\u00cdsland var r\u00fai\u00f0 trausti. Sk\u00f6mmu seinna var \u00fea\u00f0 lagt inn \u00e1 gj\u00f6r\u00adg\u00e6slu\u00addeild IMF \u2013    Al\u00fej\u00f3\u00f0a\u00adgjald\u00adeyr\u00adis\u00adsj\u00f3\u00f0s\u00adins.<\/p>\n\n\n\n

Dramb er falli n\u00e6st<\/h2>\n\n\n\n

Af hverju ger\u00f0i eng\u00adinn neitt? Sam\u00adkv\u00e6mt \u00fe\u00e1ver\u00adandi for\u00adseta \u00cdslands, \u00d3lafi Ragn\u00adari Gr\u00edms\u00adsyni, (fyrr\u00adver\u00adandi for\u00admanni Al\u00fe\u00fd\u00f0u\u00adbanda\u00adlags\u00adins) var engin \u00e1st\u00e6\u00f0a til a\u00f0 gera neitt. Hann var \u00e1 \u00feessum \u00e1rum vild\u00adar\u00advinur og helsta klapp\u00adst\u00fdra \u00fatr\u00e1s\u00adar\u00adv\u00edk\u00ading\u00adanna, sem svo voru kall\u00ada\u00f0\u00adir. \u00deann 3. ma\u00ed, 2005 flutti hann r\u00e6\u00f0u \u00ed Lund\u00ad\u00fan\u00adum, sem fr\u00e6g var\u00f0 a\u00f0 endem\u00adum. Text\u00adinn \u00e6tti a\u00f0 vera inn\u00adram\u00adma\u00f0ur uppi \u00e1 vegg \u00ed r\u00e1\u00f0u\u00adneytum og stj\u00f3rn\u00adar\u00adstofn\u00adunum \u00cdslands, \u00f6llum til vi\u00f0\u00adv\u00f6r\u00adunar um hin fornu sann\u00adindi, a\u00f0 dramb er falli n\u00e6st.<\/p>\n\n\n\n

R\u00e6\u00f0an var h\u00e1stemmdur lof\u00ads\u00f6ngur um e\u00f0l\u00adis\u00adl\u00e6ga yfir\u00adbur\u00f0i \u00edslensku \u00fatr\u00e1s\u00adars\u00adar\u00adv\u00edk\u00ading\u00adanna. For\u00adset\u00adinn taldi upp 13 \u00e1st\u00e6\u00f0ur fyrir st\u00f3r\u00adkost\u00adlegum \u00e1rangri \u00feeirra. H\u00e9r eru nokkur s\u00fdn\u00adis\u00adhorn, sem reyna \u00e1 tr\u00fa\u00adgirni les\u00adand\u00adans:  Vinnu\u00adsi\u00f0\u00adfer\u00f0i (25 \u00feeirra voru s\u00ed\u00f0ar d\u00e6mdir til fang\u00adels\u00adis\u00advistar fyrir svind\u00adl), \u00e1rang\u00adurs\u00ads\u00e6kni (gjald\u00ad\u00ferot bank\u00adanna), \u00e6\u00f0ru\u00adleysi gagn\u00advart \u00e1h\u00e6ttu (enda \u00feurftu a\u00f0rir a\u00f0 borga reikn\u00ading\u00adinn a\u00f0 lok\u00adum), l\u00edtil skrif\u00adfinnska (skap\u00adandi reikn\u00adings\u00adhald e\u00f0a b\u00f3k\u00adhalds\u00adhag\u00adr\u00e6\u00f0\u00ading), per\u00ads\u00f3nu\u00adleg tengsl (sbr. k\u00f6ngu\u00adl\u00f3\u00adar\u00advef\u00adinn),  mik\u00adil\u00adv\u00e6gi per\u00ads\u00f3nu\u00adlegs or\u00f0st\u00edrs (voru \u00feeir ekki allir hand\u00adhafar st\u00f3r\u00adridd\u00adara\u00adkross f\u00e1lka\u00ador\u00f0\u00adunn\u00adar?), sam\u00adkeppn\u00adis\u00adh\u00e6fur inn\u00adan\u00adlands\u00admark\u00ada\u00f0ur (sic!), sam\u00adstarfs\u00adh\u00e6fni og sk\u00f6p\u00adun\u00adar\u00adg\u00e1fa (sj\u00e1 bls. 62).<\/p>\n\n\n\n

L\u00fdsir \u00feetta ekki fyrst og fremst a\u00f0d\u00e1\u00adun\u00adar\u00adver\u00f0ri sk\u00f6p\u00adun\u00adar\u00adg\u00e1fu vi\u00f0 \u00f6fug\u00adm\u00e6la\u00adsm\u00ed\u00f0? V\u00e6ri ekki n\u00e6r a\u00f0 kl\u00f3na h\u00f6f\u00adund\u00adinn frem\u00adur  en hund\u00adinn?<\/p>\n\n\n\n

Vi\u00f0\u00adv\u00f6r\u00adun\u00adar\u00admerkin<\/h2>\n\n\n\n

Var Hruni\u00f0 fyr\u00adir\u00adsj\u00e1\u00adan\u00adlegt? J\u00e1, segir se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adinn norski. Vi\u00f0\u00adv\u00f6r\u00adun\u00adar\u00admerkin bl\u00f6stu alls sta\u00f0ar vi\u00f0. Menn  hlutu a\u00f0 vera slegnir (hug\u00admynda\u00adfr\u00e6\u00f0i\u00adlegri) blindu til a\u00f0 sj\u00e1 \u00feau ekki. J\u00e1, en \u2013 var \u00fea\u00f0 fyr\u00adir\u00adbyggj\u00adan\u00adlegt? Aftur segir norski se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adinn j\u00e1. Hann vitnar \u00ed \u201em\u00edn\u00adi-kr\u00eds\u00aduna\u201c \u00e1ri\u00f0 2006 og l\u00fdsir \u00fev\u00ed me\u00f0 dramat\u00ad\u00edskum h\u00e6tti: \u201eSunnu\u00addag\u00adur\u00adinn 26. mars, 2006 markar \u00fe\u00e1 stund \u00e1 \u00cdslandi, \u00feegar ekki var\u00f0 aftur sn\u00fa\u00adi\u00f0\u201c, segir banka\u00adstarfs\u00adma\u00f0ur (sj\u00e1 bls. 151).<\/p>\n\n\n\n

\u201eLands\u00adbank\u00adinn haf\u00f0i til\u00adkynnt yfir\u00adv\u00f6ld\u00adum, a\u00f0 bank\u00adanum yr\u00f0i ekki kleift a\u00f0 grei\u00f0a afborg\u00adun, sem f\u00e9ll \u00ed gjald\u00addaga dag\u00adinn eft\u00adir. \u00deann dag var hald\u00adinn ney\u00f0\u00adar\u00adfundur \u00e1 heim\u00adili se\u00f0la\u00adbanka\u00adstj\u00f3ra me\u00f0 full\u00adtr\u00faum bank\u00adanna \u00feriggja\u201c….  \u201eOkkur var lj\u00f3st, a\u00f0 eitt\u00adhva\u00f0 v\u00e6ri a\u00f0\u201c, segir starfs\u00adma\u00f0ur se\u00f0la\u00adbank\u00adans. …\u201c\u00e1 mi\u00f0jum fund\u00adinum \u00feann 26. mars til\u00adkynnti Lands\u00adbank\u00adinn, a\u00f0 fj\u00e1r\u00adm\u00f6gn\u00adun\u00adar\u00advandi bank\u00adans v\u00e6ri leyst\u00adur. Pen\u00ading\u00adarnir v\u00e6ru til\u00adt\u00e6k\u00adir. \u00dearna misstu menn af t\u00e6ki\u00adf\u00e6ri til \u00feess a\u00f0 gr\u00edpa \u00ed taumana\u201c, segir Nors\u00adar\u00adinn.<\/p>\n\n\n\n

 \u201eHef\u00f0i veri\u00f0 reynt a\u00f0 n\u00e1 t\u00f6kum \u00e1 efna\u00adhags\u00adkerf\u00adinu dag\u00adinn \u00feann, hef\u00f0i m\u00e1tt for\u00f0\u00adast hvell\u00adinn\u201c (bls. 151). <\/p>\n\n\n\n

Er \u00feetta r\u00e9tt? Svari\u00f0 er j\u00e1. Ekki \u00ed \u00feeim skiln\u00adingi, a\u00f0 \u00cdsland hef\u00f0i \u00fear me\u00f0 sloppi\u00f0 vi\u00f0 \u00e1hrif amer\u00ad\u00edskrar fj\u00e1r\u00adm\u00e1lakreppu, sem barst me\u00f0 smit\u00adberum v\u00edtt og breitt um heim\u00adinn. En \u00fea\u00f0 hef\u00f0i m\u00e1tt minnka ska\u00f0\u00adann veru\u00adlega. For\u00f0a fj\u00f6lda f\u00f3lks fr\u00e1 harm\u00adkv\u00e6l\u00adum. Hvern\u00adig?  Me\u00f0 \u00fev\u00ed a\u00f0 f\u00e6ra a\u00f0al\u00adst\u00f6\u00f0var bank\u00adanna (alla vega st\u00e6rsta bank\u00adans) til Lund\u00ad\u00fana, \u00fea\u00f0an sem \u00feeir st\u00fdr\u00f0u umsvifum s\u00ednum v\u00edtt og breytt um heim\u00adinn. Me\u00f0 \u00fev\u00ed a\u00f0 breyta \u00fati\u00adb\u00faum bank\u00adanna erlendis \u00ed d\u00f3tt\u00adur\u00adf\u00e9\u00adl\u00f6g, sem \u00fear me\u00f0 yr\u00f0u rekin me\u00f0 banka\u00adleyfi og \u00e1 \u00e1byrg\u00f0 trygg\u00ading\u00adar\u00adsj\u00f3\u00f0a gisti\u00adr\u00edkja, eins og reyndar st\u00f3\u00f0 til bo\u00f0a (Ices\u00adave o.fl.).  Sein\u00adustu for\u00adv\u00f6\u00f0 til a\u00f0 gera \u00feetta hef\u00f0u veri\u00f0 \u00e1 fyrstu m\u00e1n\u00adu\u00f0um 2008, me\u00f0 \u00fev\u00ed a\u00f0 fram\u00adfylgja ney\u00f0\u00adar\u00adr\u00e1\u00f0\u00adst\u00f6f\u00adun\u00adum, sem Buiter og Sibert l\u00f6g\u00f0u til \u2013 en til\u00adl\u00f6gum \u00feeirra var sem kunn\u00adugt er stungi\u00f0 undir st\u00f3l.<\/p>\n\n\n\n

Se\u00f0la\u00adbankar hafa marg\u00adv\u00eds\u00adleg \u00f6nnur r\u00e1\u00f0 til a\u00f0 minnka umsvif og draga \u00far skulda\u00ads\u00f6fnun vi\u00f0\u00adskipta\u00adbanka. \u201eFj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adliti\u00f0 er ekki me\u00f0 neina pen\u00adinga. \u00dea\u00f0 er se\u00f0la\u00adbank\u00adinn sem er me\u00f0 pen\u00ading\u00adana. S\u00e1 sem er yfir se\u00f0la\u00adbank\u00adanum \u00e1 a\u00f0 g\u00e6ta pen\u00ading\u00adanna\u201c.<\/p>\n\n\n\n

 \u201eSumir segja, a\u00f0 stj\u00f3rn\u00adv\u00f6ld, se\u00f0la\u00adbank\u00adinn og vi\u00f0\u00adskipta\u00adbankar, hef\u00f0u l\u00edti\u00f0 geta\u00f0 a\u00f0hafst 2006 og 2007. \u00dea\u00f0 er ein\u00adfald\u00adlega ekki r\u00e9tt\u201c \u2013 segir s\u00e1 norski (sj\u00e1 bls. 152).<\/p>\n\n\n\n

A\u00f0 gera illt verra<\/h2>\n\n\n\n

\u201e\u00cd sta\u00f0 \u00feess a\u00f0 draga \u00far umfangi eigna sinna keyptu bank\u00adarnir eigin hluta\u00adbr\u00e9f, juku l\u00e1n til eig\u00adenda sinna og l\u00f6g\u00f0u fram enn meiri pen\u00adinga, \u00feegar \u00fer\u00fdst var \u00e1 eig\u00adend\u00adurna \u00fat af fyr\u00adir\u00adt\u00e6kja\u00adsam\u00adsteyp\u00adum, lysti\u00adsnekkjum og \u00feot\u00adum. Miki\u00f0 af \u00feess\u00adari gegnd\u00adar\u00adlausu ey\u00f0slu var fj\u00e1r\u00admagna\u00f0 me\u00f0 skamm\u00adt\u00edma\u00adl\u00e1num \u00far se\u00f0la\u00adbank\u00adan\u00adum\u201c(\u00adsj\u00e1 bls. 152).<\/p>\n\n\n\n

Hva\u00f0 er um \u00feetta a\u00f0 segja? \u201e\u00deetta er me\u00f0 \u00f3l\u00edk\u00adind\u00adum\u201c, segir Tryggve Young, reyndur nor\u00adr\u00e6nn banka\u00adma\u00f0\u00adur. \u201eSe\u00f0la\u00adbanka\u00adfj\u00e1r\u00adm\u00f6gnun \u00e1 a\u00f0 nota \u00ed ney\u00f0 og til skamms t\u00edma. Bank\u00adarnir bera st\u00e6rstu \u00e1byrg\u00f0\u00adina, en fj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adliti\u00f0 og se\u00f0la\u00adbank\u00adinn \u00e1ttu a\u00f0 vita bet\u00adur\u201c.<\/p>\n\n\n\n

Me\u00f0\u00advit\u00adund\u00adar\u00adleysi<\/h2>\n\n\n\n

\u00deetta r\u00edmar vi\u00f0 ni\u00f0\u00adur\u00adst\u00f6\u00f0ur Rann\u00ads\u00f3kn\u00adar\u00adsk\u00fdrslu Al\u00feing\u00adis. \u00dear segir (sj\u00e1 bls. 153): <\/p>\n\n\n\n

\u201eFyrir ligg\u00adur, a\u00f0 \u00ed r\u00edk\u00adis\u00adstj\u00f3rn \u00cdslands var allt fram a\u00f0 falli bank\u00adanna l\u00edti\u00f0 r\u00e6tt um st\u00f6\u00f0u bank\u00adanna og lausa\u00adfj\u00e1r\u00adkrepp\u00aduna, sem h\u00f3fst undir lok sum\u00adars 2007. Hvorki ver\u00f0ur s\u00e9\u00f0 af fund\u00adar\u00adger\u00f0um r\u00edk\u00adis\u00adstj\u00f3rn\u00adar\u00adinnar n\u00e9 fr\u00e1\u00ads\u00f6gnum \u00feeirra sem g\u00e1fu sk\u00fdrslur fyrir rann\u00ads\u00f3kn\u00adar\u00adnefnd Al\u00feingis a\u00f0 \u00feeir r\u00e1\u00f0\u00adherrar r\u00edk\u00adis\u00adstj\u00f3rn\u00adar\u00adinn\u00adar, sem f\u00f3ru me\u00f0 efna\u00adhags\u00adm\u00e1l (for\u00ads\u00e6t\u00adis\u00adr\u00e1\u00f0\u00adherra), banka\u00adm\u00e1l (vi\u00f0\u00adskipta\u00adr\u00e1\u00f0\u00adherra) e\u00f0a fj\u00e1r\u00adm\u00e1l r\u00edk\u00adis\u00adins (fj\u00e1r\u00adm\u00e1la\u00adr\u00e1\u00f0\u00adherra) hafi gefi\u00f0 r\u00edk\u00adis\u00adstj\u00f3rn\u00adinni s\u00e9r\u00adstaka sk\u00fdrslu um vanda bank\u00adanna e\u00f0a hugs\u00adan\u00adleg \u00e1hrif hans \u00e1 efna\u00adhag og fj\u00e1r\u00adm\u00e1l r\u00edk\u00adis\u00adins fr\u00e1 \u00fev\u00ed a\u00f0 \u00ferengja t\u00f3k a\u00f0 b\u00f6nk\u00adunum og \u00fear til banka\u00adkerfi\u00f0 ri\u00f0\u00ada\u00f0i til falls 2008. \u00dea\u00f0 er f\u00e1n\u00fdtt a\u00f0 r\u00e6\u00f0a um \u00fea\u00f0, hva\u00f0a r\u00e1\u00f0\u00adherrum og emb\u00ad\u00e6tt\u00adis\u00adm\u00f6nnum s\u00e9 um a\u00f0 kenna. Allir vi\u00f0\u00adstadd\u00adir, sem s\u00e1u hva\u00f0 var a\u00f0 ger\u00adast, hef\u00f0u \u00e1tt a\u00f0 l\u00fdsa yfir \u00e1hyggjum s\u00ednum og hefja a\u00f0ger\u00f0ir til \u00feess a\u00f0 tryggja umb\u00e6t\u00adur. E\u00f0a segja af s\u00e9r\u201c (sama bls.).<\/p>\n\n\n\n

En \u00fea\u00f0 ger\u00f0i eng\u00adinn neitt. \u00dea\u00f0 sag\u00f0i eng\u00adinn af s\u00e9r. Og \u00fev\u00ed f\u00f3r sem f\u00f3r.<\/p>\n\n\n\n

Fram\u00adhald \u00e1 morg\u00adun: \u201eUpp skalt \u00e1 kj\u00f6l kl\u00edfa\u201c \u2013 lei\u00f0 \u00cdslands \u00fat \u00far Hrun\u00adinu<\/a><\/em><\/p>\n\n\n\n

H\u00f6f\u00adundur er fyrr\u00adver\u00adandi utan\u00adr\u00edk\u00adis\u00adr\u00e1\u00f0\u00adherra.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

J\u00f3n Baldvin Hannibalsson skrifar um n\u00fdja b\u00f3k eftir Svein Harald \u00d8ygard: \u00cd v\u00edgl\u00ednu \u00edslenskra fj\u00e1rm\u00e1la. \u00deetta er fyrri grein af tveimur.<\/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-2457","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\/2457","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=2457"}],"version-history":[{"count":4,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/2457\/revisions"}],"predecessor-version":[{"id":2586,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/2457\/revisions\/2586"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}