Aslı şu:
"It is much more realistic to say that
the banks 'create credit,' that is, that they create deposits in their act of
lending, than to say that they lend the deposits that have been entrusted to
them. And the reason for insisting on this is that depositors should not be
invested with the insignia of a role which they do not play. The theory to
which economists clung so tenaciously makes them out to be savers when they
neither save nor intend to do so; it attributes to them an influence on the
'supply of credit' which they do not have. Nevertheless, it proved
extraordinarily difficult for economists to recognise that bank loans and bank
investments do create deposits." − Joseph Alois Schumpeter (1954)
Kaba çevirisi:
"It is much more realistic to say that
the banks 'create credit,' that is, that they create deposits in their act of
lending, than to say that they lend the deposits that have been entrusted to
them. And the reason for insisting on this is that depositors should not be
invested with the insignia of a role which they do not play. The theory to
which economists clung so tenaciously makes them out to be savers when they
neither save nor intend to do so; it attributes to them an influence on the
'supply of credit' which they do not have. Nevertheless, it proved
extraordinarily difficult for economists to recognise that bank loans and bank
investments do create deposits." − Joseph Alois Schumpeter (1954)
Kaba çevirisi:
"Bankalar 'kredi yaratıyorlar,' yani kredi verirlerken mevduat yaratıyorlar demek, onlara emanet edilen mevduatları borç veriyorlar demekten çok daha gerçekçidir. Ve bu konuda ısrar etmenin nedeni mevduat sahiplerine erişmedikleri bir rütbenin verilmemesi gerektiğidir. Ekonomistlerin bu denli sıkı sıkıya sarıldıkları teori, mevduat sahiplerini ne tasarruf ettikleri ne de etmek gibi bir niyetleri varken tasarruf edenler yapıyor; bu mevduat sahiplerine 'kredi arzı'nda sahip olmadıkları bir güç atfetmektir. Buna rağmen, ekonomistlerin banka kredilerinin ve banka yatırımlarının mevduat oluşturduğunu kabul etmeleri olağanüstü zor oluyor."− Joseph Alois Schumpeter (1954)
Bunu diyen de koskoca Schumpeter. Tarihin gelmiş geçmiş en büyük ekonomistlerinden. Ben değilim.
