| | Moraliser les banques ? Une tâche mondiale | | | | Modifier la taille du texte: | A | | | A | | |
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| | Par:- Stéphane Saminaden
On 16/09/2009 |
L’effondrement de la banque américaine Lehman Brothers, le 14 septembre 2008, marque, pour beaucoup, le début de la crise économique mondiale, la plus grave depuis la Grande Dépression de 1930. Même le président américain Barack Obama, n’a pu s’empêcher de marquer l’évènement d’un discours moralisateur.
Tout en admettant la portée symbolique de la faillite de Lehman Brothers, on fera quand même remarquer que la crise économique mondiale avait commencé vers mi-2007 avec la crise des crédits hypothécaires toxiques. Bon, on ne va pas chipoter.
L’essentiel, c’est qu’un an plus tard, le bout du tunnel semble être en vue. Nous n’avons pas assisté à une remise en cause du système capitaliste, comme l’espéraient certains, et l’économie de marché reste toujours le modèle car on n’a rien inventé de mieux depuis. Le capitalisme, c’est comme la démocratie, il n’est pas parfait, mais on n’a pas encore trouvé mieux.
On peut regretter toutefois, que cette crise n’ait pas été l’occasion saisie pour mettre de l’ordre dans le système financier mondial. Tâche difficile, certes. D’abord, parce qu’il découle d’un ordre mondial et qu’il faut une approche concertée internationale pour y remédier.
Prenons la très médiatisée polémique sur les bonus des traders et dirigeants des banques. Les chiffres sont choquants mais sont-ils plus choquants que les 94 millions d’euros versés à quelqu’un pour taper dans un ballon ?
D’autre part, au nom d’une philosophie socialiste, peut-on s’opposer à ce que quelqu’un soit rétribué à hauteur de sa contribution réelle à la création de la valeur dans son entreprise? Dans cette optique, on aurait pu aller plus loin en partageant les gains avec l’ensemble des salariés. Sans le «backoffice », les «traders» seraient bien embêtés. Mais le vrai problème est qu’un pays isolé ne peut mettre fin aux bonus sans courir le risque d’assister à l’exode de ses « traders » vers d’autres pays où les bonus sont encore pratiqués.
Un mot sur Maurice avant de conclure. Lehman Brothers et la crise qui a transformé le paysage bancaire international sont à des années lumière de nos préoccupations. Il n’y a pas eu de crise bancaire à Maurice et pas de crise du crédit. Les autorités ont eu raison d’en vouloir à Moody’s. | |
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| Emiliano Z | | | N-A-T-I-O-N-A-L-I-S-A-T-I-O-N
| | | Benjamin | | | It would be highly hypocritical for us in Mauritius to talking about moralizing the international financial system. We should look in our own backyard first. Where does the money for all those villas and property developments come from - Moral practices??? Without the immorality of the international financial system our Off-shore sector would not even exist. Without it, our so called FDI will be 0. Moody's is wrong in its assessments after all the financial scandals we have seen in Mauritius which are never resolved??? Where has the money from MK gone to? Where has the money from NPF gone to? Where has the money from the STC gone to? How do we even know there was a hedging contract, when nobody has seen it! We might not have traders' bonus system here, but that doesn't mean there is no "bonus system" in place. | | | Happy Jackal. | | | From: HappyJackal
• Maurice. Lehman Brothers et la crise qui a transformé le paysage bancaire international sont à des années lumière de nos préoccupations. Il n’y a pas eu de crise bancaire à Maurice et pas de crise du crédit. Les autorités ont eu raison d’en vouloir à Moody’s. The bonus was king, what everyone waited for, like Christmas Day, but much bigger and better. It wasn't restricted to the trading floor either. Everyone working for the bank expected to receive a bonus in line with were they thought they stood in the pecking order. Based on the number of egos crashing around, there were a lot of people thinking they were right up there in line to get a monster payout - enough to pay off the house, get the sports car, pay for the 'gaudy wedding of the year', there was nothing like the buzz of bonus time, when things were good, at least. This culture is endemic and not one that can be surgically removed from the industry easily, but it needs to happen; just with a little bit of care and attention. Many people use their time working in high bonus environments to build enough capital to start new businesses, without the burden of debt. The bonus culture should be seen as demeaning, as well as being one of the means by which greed and obscene inequality is obscured. Capitalism is completely discredited (no pun intended). Like all religions (for that is what it is in essence), it favours a tiny ruling elite at the expense of everybody else, even those who don't subscribe to it (ie aren't stupid or gullible enough to be taken in by it).Capitalism is warmly embraced by heads of government, irrespective of their political affiliation, because it panders to the greedy and stupid among their electorates, a sector which seems to have grown to a large majority in the Thatcher and post-Thatcher eras, and so increases a government's chance of victory at the NEXT election. Politicians nowadays don't think further ahead than the next election. Including the Mauritius Republic. Surely it is time for this insanity to end, not continue in some modified format which suits the same bandits who caused and encouraged the present mess.The only way that will ever happen in this country (Mauritius) is to have a system of proportional representation. The thought that future governments will be either Labour- Social alliance (oh no!!) or MMM with or without MSM (simply unthinkable) gives one nightmares. Recall the Mauritius Finance minister words at the beginning of the US subprime crisis, then the cascadeur acrobatics that been uttered ultimately- we are resilient. With or without MOODY – our very own political morons practices excessive remuneration corresponds to ideology that money from the taxpayer should go to rich. Time to focus on the public sector – get to read that the PRB head in Mauritius advocates working till 65 years but velvetly glides out. That's brilliant. Try to come to terms that in Mauriutius the political nominees have absolute power- survey the recruitments in parastatal bodies’ automatic entry- , then those political nominees pay are far higher than any private sector cadres. Should the Electoral Commission cast a look at this entrenched political nominees extravanga? Creaming off with overseas flight, why not an officeat Plaisance airport for those public sector sky high officials. I believe that top salaries should be an agreed and published multiple of the lowest paid individual in the organisation and that none should be paid more than the prime minister. Pie in the sky, I know. Given that I believe that the Prime Minister should be paid nothing, (in fact he owes us several billion), then nobody should be paid at all. Now, that's an ideal. It must be quite exciting to imagine that one could become a "Master of the Universe" at a tender age - never mind the money! Of course, like djhworld, many would be such "Masters of the Universe" start to wonder whether there is any meaning to their lives. The only cure for such a sense of insecurity, low self esteem and possibly, utter worthlessness is for somebody to show them how much they are appreciated by giving them enormous amounts of money! Of course, others will only do this if they believe these same MOUs have made them a lot of money in the first place. The real problem is that we now find that so many have not.
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