Ich lese jetzt schon seit einigen Monaten primär Literatur zum Thema Klassischer Liberalismus und Nationalökonomie bzw Volkswirtschaft. Ich bin wirklich sehr angetan von diesen Themen, da sie sich doch maßgeblich mit den Problemen auseinandersetzen, die unsere heutige Zeit so unsicher und planlos machen. Speziell bei der Österreichischen Schule der Nationalökonomie finde ich immer wieder Grund- und Ansätze, die dem islamischen Wirtschaftssystem extrem nahe kommen bzw sich sogar decken. Hier nun ein Auszug aus einem Interview des Monatsmagazins eigentümlich frei mit Prof. Dr. Jesús Huerta de Soto, einem der bekanntesten Wirtschaftswissenschaftler dieser Ökonomie-Schule in Europa zum Thema „geschützte Bankeinlagen“.
„[…]
ef: Und wie kann man vom Euro ausgehend zum Goldstandard zurückkehren?
Huerta des Soto: Dazu ist ein tiefgreifender Neuentwurf des Finanzsystems nötig, der die Probleme bei der Wurzel packt: Die 100-prozentige Deckung von Sichteinlagen und ihren Äquivalenten als Grundprinzip des Privateigentums. Die Abschaffung aller Zentralbanken, die dann als Geldgeber der letzten Instanz überflüssig wären. Und dann die weltweite Rückkehr zum Goldstandard als einer Geldbasis, die durch die öffentlichen Mächte nicht manipuliert werden könnte.
ef: Sie vertreten die These, dass Banken die Einlagen ihrer Kunden heute behandeln wie Darlehen, nicht wie Depositen.
Huerta de Soto: Das „Depositum irregulare“ ist im römischen Recht die Einlage eines verbrauchbaren Guts wie Weizen, Öl, oder Geld. Der Empfänger hat die Pflicht, die Einlage zu bewachen oder zu beschützen. Wenn er sich eines Teils des empfangenen Guts bemächtigt, macht er sich des Vergehens der Gebrauchsanmaßung schuldig. Dagegen überträgt man beim Darlehen das Eigentum und den Gebrauch der Sache, und der Empfänger kann sie eine bestimmte Zeit lang benutzen. Wenn diese Zeitspanne abgelaufen ist, muss er sie mit einer Art Zins zurückgeben. Der Unterschied ist also sonnenklar: Eine Bank muss Einlagen jederzeit für den Kunden bereithalten, in Vollreserve. Nur Darlehen darf sie gegen Zins investieren.
ef: In dem Zusammenhang: In Europa steigt die Bedeutung des Islam. Denken Sie, das abendländische, römische Recht könnte heutzutage für jeden so verbindlich sein wie früher?
Huerta de Soto: Zu meiner Überraschung haben mich einige meiner Studenten aus Saudi-Arabien, aus Tunesien und Marokko darauf aufmerksam gemacht, dass die Botschaft meines Buches, die Notwendigkeit nämlich, zu einer Bank mit Volldeckung der Sichteinlagen zurückzukehren, der Scharia am nächsten kommt. Tatsächlich konnte ich nachprüfen, dass im Koran mindestens fünf Suren oder Verse es ausdrücklich verurteilen, wenn der Depositär Dinge für eigene Zwecke gebraucht, die ihm zum Schutz und zur Überwachung anvertraut worden sind.
[…] „
(Jesús Huerta de Soto im Interview „Der Euro als Glücksfall – Und was Religion mit Einlagensicherheit zu tun hat“, eigentümlich frei, Ausgabe Nr. 125, Seite 19)
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