{"id":3380,"date":"2026-08-16T09:24:34","date_gmt":"2026-08-16T09:24:34","guid":{"rendered":"https:\/\/jbh.is\/?p=3380"},"modified":"2026-08-16T09:37:05","modified_gmt":"2026-08-16T09:37:05","slug":"um-skuldir-og-thakkarskuldir","status":"publish","type":"post","link":"https:\/\/jbh.is\/?p=3380","title":{"rendered":"Um skuldir &#8211; og \u00feakkarskuldir"},"content":{"rendered":"\n<p>\u00c9g heyri utan a\u00f0 m\u00e9r, a\u00f0 \u00fear sem \u00e9g hafi veri\u00f0 sta\u00f0inn a\u00f0 verki vi\u00f0 a\u00f0 hl\u00fd\u00f0a \u00e1 erindi Dr Carls Baudanbacher \u00e1 fundi \u00ed gamla Sjallanum, hlj\u00f3ti \u00e9g a\u00f0 vera genginn \u00ed bj\u00f6rg andst\u00e6\u00f0inga Evr\u00f3pusambandsa\u00f0ildar. \u00de\u00e1 er illa fyrir okkur komi\u00f0, ef menn mega ekki hlusta \u00e1 meinta andst\u00e6\u00f0inga, \u00e1n \u00feess a\u00f0 kalla yfir sig ford\u00e6mingu af einhverju tagi.<\/p>\n\n\n\n<p>Er sj\u00e1lft l\u00fd\u00f0r\u00e6\u00f0i\u00f0 ekki \u00ed kjarna s\u00ednum r\u00f6kr\u00e6\u00f0a \u00fat fr\u00e1 \u00f3l\u00edkum sj\u00f3narhornum?<\/p>\n\n\n<!--more Lesa meira-->\n\n<h2 class=\"wp-block-heading\"><strong>A\u00f0 l\u00e6ra af reynslunni<\/strong><\/h2>\n\n\n\n<p>\u00c9g \u00fe\u00f3ttist svo sem vita af fyrri kynnum, hva\u00f0 Dr Baudanbacker hef\u00f0i fram a\u00f0 f\u00e6ra \u00ed a\u00f0alatri\u00f0um. En \u00e9g vildi s\u00fdna manninum ver\u00f0skulda\u00f0a vir\u00f0ingu sem fyrrverandi forseta EFTA-d\u00f3mst\u00f3lsins. Ni\u00f0ursta\u00f0a d\u00f3msins (Baudanbackers og me\u00f0d\u00f3menda hans P\u00e1ls Hreinssonar og Nor\u00f0mannsins Ola Mestad) \u00e1ri\u00f0 2013 batt loks endi \u00e1 martr\u00f6\u00f0ina, sem kennd er vi\u00f0 ICESAVE. S\u00e1 uppvakningur tr\u00f6llrei\u00f0 allri \u00fej\u00f3\u00f0f\u00e9lagsumr\u00e6\u00f0u \u00e1 \u00cdslandi \u00e1 \u00e1runum eftir Hrun.<\/p>\n\n\n\n<p>Landr\u00e1\u00f0a- og svikabrigsl \u00e6tlu\u00f0u engan endi a\u00f0 taka. S\u00fa lj\u00f3ta saga vir\u00f0ist \u00e6tla a\u00f0 endurtaka sig n\u00fa, r\u00e9tt einu sinni enn. Eins og vi\u00f0 inng\u00f6nguna \u00ed NAT\u00d3 1949, varnarsamninginn vi\u00f0 BNA 1951, inng\u00f6nguna \u00ed EFTA 1970 og samningana me\u00f0 hinum EFTA r\u00edkjunum um EES 1989-94. \u00d6ll hafa \u00feessi svikabrigsl reynst \u00feessum tilr\u00e6\u00f0ism\u00f6nnum vi\u00f0 mannor\u00f0 andst\u00e6\u00f0inga sinna til skammar og \u00fej\u00f3\u00f0inni til ska\u00f0a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c6tlum vi\u00f0 aldrei a\u00f0 l\u00e6ra neitt af reynslunni?<\/strong><\/h2>\n\n\n\n<p>Enn \u00ed dag, eftir allt fj\u00f6lmi\u00f0af\u00e1ri\u00f0, er \u00fea\u00f0 almannar\u00f3mur a\u00f0 \u00fe\u00e1verandi forseti \u00cdslands, \u00d3lafur Ragnar Gr\u00edmsson, hafi for\u00f0a\u00f0 okkur fr\u00e1 \u00fej\u00f3\u00f0argjald\u00feroti, bara me\u00f0 \u00fev\u00ed a\u00f0 v\u00edsa ICESAVE-samningum r\u00edkisstj\u00f3rnarinnar 2010 og 2011 \u00ed \u00fej\u00f3\u00f0aratkv\u00e6\u00f0agrei\u00f0slu. Um \u00feetta hefur hann skrifa\u00f0 heila b\u00f3k um hinn mikla lausnara \u201ehn\u00edpinnar \u00fej\u00f3\u00f0ar \u00ed vanda\u201c (sj\u00e1&nbsp;<em>\u00dej\u00f3\u00f0in og valdi\u00f0, M og m 2024<\/em>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Vi\u00f0 borgum ekki skuldir \u00f3rei\u00f0umanna \u2013 og hanan\u00fa!<\/strong><\/h2>\n\n\n\n<p>En Bretar og Hollendingar k\u00e6r\u00f0u \u00edslenska r\u00edki\u00f0 fyrir EFTA-d\u00f3mst\u00f3lnum. \u00dea\u00f0 var ni\u00f0ursta\u00f0a d\u00f3msst\u00f3lsins \u2013 Baudenbachers og f\u00e9laga \u2013 sem hafna\u00f0i \u00fev\u00ed a\u00f0 \u00edslenska r\u00edkinu (skattgrei\u00f0endum) b\u00e6ri lagaleg skylda til a\u00f0 borga. \u00dea\u00f0 v\u00e6ri engin r\u00edkis\u00e1byrg\u00f0. \u00deetta v\u00e6ru skuldir einkaa\u00f0ila. Og \u00fea\u00f0 v\u00e6ri engin mismunun heldur milli \u00edslenskra og erlendra sparifj\u00e1reigenda. B\u00e1\u00f0ir h\u00f3par hafi fengi\u00f0 sitt. M.\u00f6.o. skuldarinn (\u00ferotab\u00fa Landsbankans) borga\u00f0i reikninginn!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eitt er skuld \u2013 anna\u00f0 \u00feakkarskuld<\/strong><\/h2>\n\n\n\n<p>En til \u00feess a\u00f0 \u00feetta d\u00e6mi gengi upp \u00feurfti a\u00f0 l\u00f6gfesta breytta&nbsp;<em>forgangsr\u00f6\u00f0un krafna<\/em>&nbsp;\u00ed \u00ferotab\u00fai\u00f0. Fyrst yr\u00f0u kr\u00f6fur sparifj\u00e1reigenda greiddar en kr\u00f6fur hlutabr\u00e9fa- og skuldabr\u00e9fa eigenda m\u00e6ti afgangi. \u00deetta var l\u00f6gfest me\u00f0 Ney\u00f0arl\u00f6gunum. \u00dear me\u00f0 gekk d\u00e6mi\u00f0 upp.<\/p>\n\n\n\n<p>Um \u00feetta er fjalla\u00f0 \u00ed sk\u00fdrslu Ranns\u00f3knarnefndar Al\u00feingis um \u201eA\u00f0draganda og orsakir falls \u00edslensku bankanna 2008\u201c, 7nda bindi (sj\u00e1 bls. 105-119). \u00dear kemur fram a\u00f0 frumkv\u00e6\u00f0i a\u00f0 \u00feessum lagabreytingum haf\u00f0i Ragnar \u00d6nundarson, fv. bankastj\u00f3ri I\u00f0na\u00f0arbankans. Hann reifa\u00f0i nau\u00f0syn \u00feessa fyrst \u00ed bla\u00f0agrein fyrir hrun og fylgdi \u00fev\u00ed svo eftir vi\u00f0 a\u00f0ger\u00f0ah\u00f3pinn, sem samdi l\u00f6gin. B\u00e6\u00f0i Se\u00f0labankinn og fulltr\u00faar r\u00e1\u00f0uneytanna h\u00f6fnu\u00f0u \u00feessum hugmyndum \u00ed fyrstu. En Ragnar haf\u00f0i sitt fram. Fyrir \u00fea\u00f0 st\u00f6ndum vi\u00f0 \u00ed mikilli \u00feakkarskuld vi\u00f0 hann.<\/p>\n\n\n\n<p>\u00de\u00f3tt synjun forsetans \u00e1 undirskrift laga \u00ed tv\u00edgang hafi engu breytt um endurgrei\u00f0slu til erlendra sparifj\u00e1reigenda, dug\u00f0i h\u00fan til a\u00f0 lappa upp\u00e1 or\u00f0st\u00edr forsetans, sem haf\u00f0i l\u00e1ti\u00f0 nokku\u00f0 \u00e1 sj\u00e1 \u00ed a\u00f0draganda Hrunsins. \u00de\u00e1 beitti hann emb\u00e6tti s\u00ednu gla\u00f0beittur sem veislustj\u00f3ri \u00fatr\u00e1sarv\u00edkinganna, skreytti \u00fe\u00e1 f\u00e1lkaor\u00f0um og flutti r\u00e6\u00f0ur \u00feeim til lofs og d\u00fdr\u00f0ar sem ur\u00f0u fr\u00e6gar a\u00f0 endemum fyrir ras\u00edskan hroka sem \u00ed \u00feeim birtist.<\/p>\n\n\n\n<p>Allt er \u00feetta best gleymt og grafi\u00f0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fyrirhyggja<\/strong><\/h2>\n\n\n\n<p>A\u00f0 lokum \u00feetta: V\u00ed\u00f0a \u00ed riti \u00feeirra fe\u00f0gina, Carls og Lauru Baudenbacher (<em>Iceland before the Referendum<\/em>, 2026) bera h\u00f6fundarnir lof \u00e1 EES samningana, sem reynst hafi \u00edslensku \u00fej\u00f3\u00f0inni me\u00f0 eind\u00e6mum vel. \u00deau segja a\u00f0 \u201eEES tryggi \u00cdslandi fulla \u00fe\u00e1ttt\u00f6ku \u00ed Innri marka\u00f0num \u00e1n \u00feess a\u00f0 afsala s\u00e9r p\u00f3lit\u00edsku sj\u00e1lfr\u00e6\u00f0i.\u201c<\/p>\n\n\n\n<p>\u00cd beinu framhaldi varpa \u00feau fram eftirfarandi spurningu: \u201eV\u00e6ri ekki rauns\u00e6rra a\u00f0 stefna a\u00f0 tv\u00edskiptu samrunaferli innan Evr\u00f3pusambandsins : P\u00f3lit\u00edsku sambandsr\u00edki \u2013 \u00e1 la BNA \u2013 fyrir \u00fe\u00e1 sem \u00fea\u00f0 vilja; en fj\u00f6l\u00fe\u00e6ttu samstarfi \u00e1 svi\u00f0i efnahagsm\u00e1la \u2013 fyrir \u00feau r\u00edki sem \u00feess \u00feurfa? V\u00e6ri \u00fea\u00f0 ekki v\u00e6nlegra \u00ed framt\u00ed\u00f0inni, fremur en a\u00f0 steypa \u00f6llum r\u00edkjum Evr\u00f3pu \u00ed sama stj\u00f3rnarfarsm\u00f3ti\u00f0? (<em>bls. 45<\/em>)<\/p>\n\n\n\n<p>\u00dearna erum vi\u00f0 farin a\u00f0 n\u00e1lgast kjarnan \u00ed m\u00e1lflutninga \u00feeirra. Framt\u00ed\u00f0 Evr\u00f3pu er mj\u00f6g mikilli \u00f3vissu undirorpin n\u00fa um stundir. H\u00f6fundar b\u00f3karinnar segja a\u00f0 \u201eEES is a stragetic European asset\u201c. Miki\u00f0 r\u00e9tt. En \u00fea\u00f0 ver\u00f0ur ekki eil\u00edft. Ef Noregur tekur stefnu \u00e1 fulla a\u00f0ild a\u00f0 ESB \u00ed n\u00e1inni framt\u00ed\u00f0, er&nbsp;<em>\u00fati um EES<\/em>. \u00dea\u00f0 er hafi\u00f0 yfir allan vafa a\u00f0 \u00edslendingar einir geta ekki sta\u00f0i\u00f0 undir EFTA sto\u00f0inni.<\/p>\n\n\n\n<p>\u00deess vegna er kominn t\u00edmi til a\u00f0 kanna r\u00e6kilega, hvort full a\u00f0ild samr\u00e6mist br\u00fdnustu \u00fej\u00f3\u00f0arhagsmunum okkar \u00ed framt\u00ed\u00f0inni.<\/p>\n\n\n\n<p>Um \u00fea\u00f0 er spurningin 29. \u00e1g\u00fast n.k.<\/p>\n\n\n\n<p>Og svari\u00f0 vi\u00f0 \u00feeirri spurningu er J\u00c1.<\/p>\n\n\n\n<p><em>H\u00f6fundur var utanr\u00edkisr\u00e1\u00f0herra \u00cdslands 1988-1995 og haf\u00f0i \u00e1 hendi p\u00f3lit\u00edska verkstj\u00f3rn \u00e1 EES samningunum fyrir \u00cdslands h\u00f6nd, fr\u00e1 upphafi til loka.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9g heyri utan a\u00f0 m\u00e9r, a\u00f0 \u00fear sem \u00e9g hafi veri\u00f0 sta\u00f0inn a\u00f0 verki vi\u00f0 a\u00f0 hl\u00fd\u00f0a \u00e1 erindi Dr Carls Baudanbacher \u00e1 fundi \u00ed gamla Sjallanum, hlj\u00f3ti \u00e9g a\u00f0 vera genginn \u00ed bj\u00f6rg andst\u00e6\u00f0inga Evr\u00f3pusambandsa\u00f0ildar. \u00de\u00e1 er illa fyrir okkur komi\u00f0, ef menn mega ekki hlusta \u00e1 meinta andst\u00e6\u00f0inga, \u00e1n \u00feess a\u00f0 kalla yfir &hellip; <a href=\"https:\/\/jbh.is\/?p=3380\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Um skuldir &#8211; og \u00feakkarskuldir&#8221;<\/span><\/a><\/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,"footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-3380","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\/3380","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=3380"}],"version-history":[{"count":10,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/3380\/revisions"}],"predecessor-version":[{"id":3392,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/3380\/revisions\/3392"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}