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gmundur hafi rkin sn megin

gmundur Jnasson var rkfastur og yfirvegaur Kastljsi kvldsins.lkt fjrmlarherra sustu viku urfti hann ekkert a hristast, drepa tittlinga ea vera meeilft handapat til ess atelja flki trum a rtt s a setja trausta fyrirvara vi samykkt Icesave-samningsins.gmundur hafi einfaldlega g og hagrn og lagaleg rk mli snu til stunings.

Ef Vg-liar sem lta skynsemina ra en ekki htanir illskeyttrar Jhnnu Sigurardtturum a taka saman vi Sjlfstisflokkinn er allt tlit fyrir a stjrnvld fi tkifri til ess a setjast n a samningabori me vinajunum Evrpusambandinu.Helsta httan samykkt samningsins er a einhver klulnsingmaur stjrnarandstunni samykki samninginn eirri von um a f afskrift.


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Athugasemdir

1 identicon

Stri gallinn rkum gmundar og raunar flestra sem mest hamast gegn Icesave samningnum er s villa a einhver lagalegur vafi s um byrg rkisins samrmdu lgmarki innstutrygginga EES svinu. Tilskipunin, sem beint er til jarkja, lagi aildarrkjum meginskyldu herar a tryggja samrmt lgmark. Tilskipunin var ekki um fjrmgnun tryggingakerfisins enda segir a berum orum a slkt s ekki tlunin. Rki gtu v kvei hvort fjrmagna yri alfari fyrirfram me igjaldasfnun sj, eftir me rkisbyrg og svo innheimtum fr fjrmlastofnunum eftir v sem kostur er ea blndu af essu. Blandaa leiin er raunar algengust og hn m.a. vi um tryggingasjinn okkar.

Enda hefur ENGIN j teki undir me okkur a essu leiki nokkur vafi, ekki einu sinni tt rki hafi kvei me srlgum a sjurinn skuli vera sjlfseignarstofnun enda var hnvistu Selabankanum undir strnarformennsku runeytisstjra og fri samviskusamlega rkisreikning samt Selabankanum og Vilagatryggingasji.

Stareyndir breytast ekki tt vi berjum hfinu vi steininn, a veldur bara hausverk.

Arnar (IP-tala skr) 12.8.2009 kl. 00:00

2 Smmynd: Gunnar Skli rmannsson

gmundur st sig vel, hann var miklu elilegri ann htt a hann talai mannaml, ekki endalaust bull um ekki neitt.

Gunnar Skli rmannsson, 12.8.2009 kl. 00:02

3 identicon

Arnar..

a stendur svart hvtu tilskipuninni a hafi aildarrki komi upp kerfi til a sj um innlnstryggingar, er rki EKKI byrgt fyrir innistum....

og segir a engin j taki undir me okkur,,,, j Hollendingar og Bretar gera a nefnilega me v a krefjast rkisbyrgar... v hn vri a sjlfssgu rf ef rki bri hvort sem er byrg innstum.

Sigurjn... hrrtt allastai... gmundur var fastur fyrir, rkfastur og sannur

nafnlaus (IP-tala skr) 12.8.2009 kl. 00:05

4 identicon

Gerum sjlf t um mli: www.kjosa.is

Ltum ekki mma og flaga eina um a.

Annars var kallinn einlgur og sannfrandi. A rum ekki lstuum, besti fulltri almennings Alingi. ekkir hlutverk sitt, en a verur ekki sagt um marga ingmenn. v miur.

Rmverji (IP-tala skr) 12.8.2009 kl. 00:08

5 identicon

ARNAR a arf a vera einhva inn hausnum til a f hausverk :)

segir eitt en svona tmir menn eins og g vitum ekki hverjum vi eigum a tra og hfum engan flokk til a fylgja ruglinu :(

SH (IP-tala skr) 12.8.2009 kl. 00:16

6 Smmynd: Einar Gujnsson

A a s lagalegur vafi er aeins brot af rkum gmundar en hann er lka a tala um a vi frum okkur hgt.

Einar Gujnsson, 12.8.2009 kl. 00:23

7 Smmynd: Anna Sigrur Gumundsdttir

Stend me gmundi. Hann heiur skili fyrir heiarlega og rttlta afstu. Stndum me eim sem eru heiarlegir.

Anna Sigrur Gumundsdttir, 12.8.2009 kl. 00:54

8 identicon

Arnar: tilskipuninni stendur lka a bankarnir skuli fjrmagna tryggingakerfi og a a skuli ekki hindra elilega bankastarfsemi.

S bnkum gert a leggja svo strt hlutfall af innistum snum tryggingasj a hann s gjaldfr um allt sem hann getur falli allsherjar bankahruni er einfaldlega ekki mgulegt a stunda bankastarfsemi me eim htti sem tkast heiminum dag.

Ef einn banki fellur er s lei jafnan farin a flytja innisturnar annan banka samt eignum og einhverri megjf. 1% af heildarinnistum bankakerfisins tryggingasji samt mguleika lntkum er ng til ess, enda taldi eftirlitsstofnun EFTA ekki stu til a gera athugasemdir vi slensku lggjfina.

Hfundar tilskipunarinnar virast hinsvegar ekki hafa gert r fyrir v a allsherjar bankahrun vri mgulegt. egar slkt hrun vofi svo yfir bankakerfum nokkurra Evrpurkja hugsuu menn me sr a a hefi n veri meira traustvekjandi a hafa rkisbaktryggingu eins og Bandarkjunum.

a vandaml var leyst me v a ba til eftirtlkun lgunum og troa henni ofan koki slendingum me valdi. rskurur hlutlauss dmstls kemur ekki til greina.

Ef a Bretar og Hollendingar hafa raun tr essari lagatlkun sinni hvernig tskrir a: 1) eir skuli ekki vilja lta reyna mli fyrir dmstlum nna egar brakrsan er liin hj? 2) krefjist ess a Alingi setji lg um rkisbyrg sem eir vilja meina a s egar til staar!?

Hans Haraldsson (IP-tala skr) 12.8.2009 kl. 01:19

9 Smmynd: Gumundur sgeirsson

Arnar: a er misskilngur hj r a heimilt s a fjrmagna innstutryggingar me rkisbyrg. Ef hefir lesi tilskipun 94/19/EB myndiru vita a ar er beinlnis lagt bann vi slkri rkisbyrg. ess vegna ber Alingi a hafna rkisbyrg samningnum. etta hefur Rkisendurskoun stafest liti snu, a rkissjur s ekki byrgur fyrir skuldbindingum Tryggingasjs Innstueigenda, enda er hann sjlfseignarstofnun.

SH: tmur ea ekki, ef r finnst ekki hafa neinn flokk til a fylgja ertu lklega ekki einn um a. ess vegna vil g vekja athygli na Samtkum Fullveldissinna, sem er n plitsk hreyfing og ekki flokkur a.m.k. ekki sama skilningi og essir gmlu reltu.

Gumundur sgeirsson, 12.8.2009 kl. 02:18

10 identicon

fugt vi sem hr fullyra um efni tilskipunarinnar vill svo til a g hef ekki aeins lesi hana heldur lka msar skrslur og greinar aila um innstutryggingakerfi Evrpu.

Menn eru alltaf a reyna a horfa framhj v yfirlsta meginmarkmii tilskipunarinnar a allar innstur einstaklinga viskiptabnkum llu EES svinu skuli tryggar upp a skilgreindu lgmarki. a er inntaki og lykilatrii sem slendingar, lkt og allar arar jir svinu, hafa undirgengist. tilskipuninni er gert r fyrir a hver j komi ft tryggingakerfi til a mta essum lgmarkskrfum en bi afararorum og meginefni kemur skrt fram a aeins er veri a draga fram tlnur mgulegs tryggingakerfis en ekki skilgreina t hrgul fyrirkomulag ess ea fjrmgnun. annig segir strax 3. efnisgrein afararorum: „whereas it is indispensable to ensure a harmonized minimum level of deposit protection wherever deposits are located in the Community; whereas such deposit protection is as essential as the prudential rules for the completion of the single banking market;“. 9. efnisgrein afararora segir um tryggingakerfin sjlf: „Whereas harmonization must be confined to the main elements of deposit-guarantee schemes and, within a very short period, ensure payments under a guarantee calculated on the basis of a harmonized minimum level;“. Hr kemur v skrt fram a samrmingin llu EES svinu snst um tvennt: Meginlnur fyrirkomulagi innstutrygginga og a tryggja greislur til innstueigenda grunni samrmds lgmarks. Lgmarki er v lykilatrii, fyrirkomulag innstutrygginganna er aeins lei til ess a nlgast slka tryggingu. Hefi tlunin veri nnur er augljst a meginherslan hefi veri lg fulla samrmingu tryggingakerfanna og staa eirra samkvmt sjseign veri ltin ra lgmarksupph tryggra innstna.

Tilskipunin heild fjallar um skyldur aildarrkja (Member States) vi a koma lgmarks innstutryggingum. Grein 3 tilskipuninni hefst t.d. orunum: „Each Member State shall ensure that within its territory one or more deposit-guarantee schemes are introduced and officially recognized.“ Fullyringin um efnisinnihald afararora tilskipunarinnar um byrg aildarrkja gagnvart innstueigendum (sem enn er vsa hr sem bann vi rkisbyrg) er einfaldlega rng s 25. efnisgreinin skou heild. ar segir orrtt: „Whereas this Directive may not result in the Member States' or their competent authorities' being made liable in respect of depositors if they have ensured that one or more schemes guaranteeing deposits or credit institutions themselves and ensuring the compensation or protection of depositors under the conditions prescribed in this Directive have been introduced and officially recognized;“.

Hr er tvennt sem skiptir mestu mli. fyrsta lagi oralagi „may not“ sem gefur efnisgreininni merkingu a a s ekki vst a tilskipunin geri aildarrki ea stjrnvld eirra byrg sem er anna en a segja a aildarrkins su ekki byrg eins og greinarhfundar halda fram. ru lagi eru talin upp au skilyri sem geta leitt til ess a byrgin falli ekki aildarrkin ea stjrnvld eirra (sbr. „may not“). Skilyrin er a til s kerfi sem tryggi innstur og btur ea vernd innstueigenda samrmi vi skilyri tilskipunarinnar. Eins og raki hefur veri a framan er meginskilyri tilskipunarinnar svo lgmark tryggingarinnar eins og raunar var innleitt slensk lg.

Hrbjartur Jnatansson fer einnig yfir etta atrii grein sinni dag.

Arnar (IP-tala skr) 12.8.2009 kl. 03:00

11 identicon

Fyrir sem vilja kynna sr skrslur hagsmunaila um mli er gott a byrja t.d. eftirfarandi (stuttir tdrttir birtir).

g vek srstaka athygli skrslu evrpunefnda fjrmlaeftirlita ar sem fjalla er um eli innstutryggingakerfa og srstaklega teki fram a ekkert tryggingakerfanna muni ra vi kerfislgt hrun enda su au ll me yfirlstri bakbyrg ea byggri eli mls (bls. 13):

msar skrslur og tgfur um innstutryggingar EES svinu

Committee of European Banking Supervisors
„CEBS technical advice on a review of aspects related to deposit guarantee schemes
http://www.c-ebs.org/getdoc/c5f34d67-71f9-4410-8bfc-55f5d7e902a6/DGS_Advice.aspx

Bls. 9:
“Many, if not all, of the issues raised in the discussion of deposit guarantee schemes stem from the fact that national practices are not fully harmonised (the Directive provides only for minimum harmonisation), and therefore not all schemes offer the same level of protection. Greater harmonisation is desirable from the perspective of the level playing field and the single market, but might be difficult to achieve.
The minimum level of protection is currently set by the Directive at € 20,000 per depositor. Actual protection levels show some dispersion. Three Member States which recently joined the EU are still in transition towards the minimum, while a few Member States offer a much higher level of protection. Nevertheless, most Member States fall within a range of € 20,000 to € 25,000.“

Bls. 13:
„A majority of European systems are either ex ante funded (that is, banks contribute to the deposit guarantee schemes before the compensation mechanism is activated) or mixed. 14 Pure ex post funded schemes are less common. Moreover, deposit guarantee schemes are ultimately supported by public funds, either explicitly or implicitly. Thus, in practice, the distinction between ex ante and ex post funding is not always clear.
[…]
However, in an ex ante or mixed scheme, the optimum size of the fund becomes an issue, both for competition and for financial stability. A larger fund offers greater protection for depositors, but no fund can absorb the costs of a major group failure. The category of ‘mixed’ schemes includes a large number of alternatives. And larger funds impose higher ‘deadweight’ costs on contributing institutions (and their depositors). They may also imply larger disparities in relative contributions, which could impede competition.“

World Bank
Deposit Insurance Design and Implementation: Policy Lessons from Research and Practice
jn 2006
http://siteresources.worldbank.org/DEC/Resources/Deposit_Insurance_Design_and_Implementationc.pdf
Bls. 16:
„The EU Directive on Deposit Insurance dictates that each member state insure individual accounts up to at least 20,000 euros.“


Committee of European Banking Supervisors
„Deposit insureance in the European Union“
http://www.c-ebs.org/getdoc/8524acec-7a65-4088-a3fe-78300c4d39af/051012Russia_DGS.aspx
Glrukynning 13. oktber 2005, glra nr. 3:

• EU-wide action in 1994: the Deposit Guarantee Directive
• Not a single EU deposit guarantee scheme
• Rather: minimum harmonisation of some features of national schemes
• For example:
• Minimum level of coverage (€20,000)
• Home country scheme to cover depositors of EU branches
• Requirements regarding information to be provided to depositors


OECD
Financial Turbulence: Some Lessons Regarding Deposit Insurance
2008
http://www.oecd.org/dataoecd/32/54/41420525.pdf

Bls. 15:
„In the European Union, the EC Directive on Deposit Guarantee Schemes of 1994 specifies a minimum coverage of EUR 20 000, although exemptions existed in the past.“


Council of the European Union
7. oktber 2008
„Immediate responses to financial turmoil - Council Conclusions - Ecofin Council of 7 October 2008“
http://www.efdi.net/scarica.asp?id=95&Types=NEWS
„Several Member States have recently increased the level of coverage of national deposit guarantee schemes. We agreed that all Member States would, for an initial period of at least one year, provide deposit guarantee protection for individuals for an amount of at least 50 000 euros, acknowledging that many Member States determine to raise their minimum to 100 000 euros. We welcome the intention of the Commission to bring forward urgently an appropriate proposal to promote convergence of deposit guarantee schemes.“


European Forum of Deposit Insurers
Deposit guarantee systems: EFDI’s First Report
oktber 2006
http://www.efdi.net/scarica.asp?id=102&Types=DOCUMENTS

Bls. 19:
„Through this Directive, the European Union pursues the target of guaranteeing depositors of all credit institutions, while safeguarding and enhancing stability in the banking system as a whole.
[...]
The Directive is based on minimum harmonisation, meaning that only main deposit guarantee elements are harmonised, while the discretion of each EU Member legislative framework is allowed on all the other features not explicitly mentioned. This is the reason why the DGS design varies significantly all over Europe and amont the 25 Member States, as later stressed in the course of the present paper.
Harmonisation refers to main aspects of DGS such as mandatory membership for all credit institutions, exclusion of interbank deposits from coverage, minimum coverage level equal to 20.000 euro when deposits become unavailable, and information to be provided to depositors as an essential part of the guarantee itself.“

Bls. 32:
„Funding is one of the main DGS features that is not subject to any harmonisation rule in the Directive 94/19/EC.
In the recitals, it states that the cost of financing must be borne, in principle, by credit institutions participating in the DGS, while decisions on the scheme’s organisational layout and funding method are left to Member State’s individual discretion.“

Bls. 43:
„Only Estonia, Latvia and Lithuania provide coverage below the EU minimum, since they recently joined the European Union (on May 1st 2004) and there are transitional arrangements underway to enable compliance with that figure by the end of 2007.“


Financial Services Authority UK
Deposit Guarantee Schemes Directive
2008
http://www.fsa.gov.uk/pages/About/What/International/pdf/DGSD.pdf

Bls. 3:
„The main elements of deposit guarantee schemes were harmonised, including a minimum level of compensation. The Directive requires the Commission to review periodically (and at least every five years), the €20,000 minimum protection for depositors.“


Bank for International Settlements
DEPOSIT PROTECTION SCHEMES IN THE MEMBER COUNTRIES OF THE BASLE COMMITTEE (June 1998)
http://www.bis.org/publ/bcbs37a.pdf

Bls. 1
„Several of the European schemes are currently under review to bring them into line with the EU's Directive on deposit guarantee schemes of May 1994. The main changes occasioned by this Directive are some standardisation in terms of the minimum amount of protection (i.e. ECU 20,000, i.e. 90% of ECU 22,222) and a requirement for deposits with branches (but not subsidiaries) of EU banks to be covered by the home country scheme.“

Arnar (IP-tala skr) 12.8.2009 kl. 03:05

12 identicon

Arnar: Tilskipuninin er vissulega tla a mla fyrir um kerfi sem tryggir visst lgmark. g deili ekki vi ig ar.

ar er lka aeins mlt lauslega fyrir um hvernig kerfinu skuli htta. Um a deili g ekki.

Hinsvegar koma fram punktar henni um a hvernig kerfinu skuli htta, m.a a bankarnir skuli fjrmagna kerfi og a a megi ekki hindra elilega bankastarfsemi. M..o a kom aldrei til greina a sjurinn yri for-fjrmagnaur a v marki a hann gti greitt t allt sem hgt vri a krefja hann um ef allsherjar bankahrun yri ea stran hluta ess.

a er v mjg lklegt a sland yri af eim skum dmt skaabtaskylt me sama htti og skaland um ri, ar sem vi vanrktum ekki a koma upp kerfi sem samrmdist tilskipuninni.

a eru sem sagt hverfandi lkur a skaabtabyrg s til staar og ef einhver er til staar yri okkur tpast gert a fullfjrmagna sjinn.

stendur eftir a tilskipuninni er ekki mlt fyrir um beina rkisbyrg og rkisbyrg verur ekki til milli lnanna. Hn anna hvort er ea er ekki. Mr tti gaman a sj ig finna einhver evrpsk fordmi fyrir v a dmstll dmdi rkisbyrg r tmu loftinu.

Hans Haraldsson (IP-tala skr) 12.8.2009 kl. 13:49

13 Smmynd: mar Bjarki Kristjnsson

Rtt hj Arnari. Enginn vafi arna.

Tmur sjur kenninginer eitthva a vitlausastaf llu vitlausu.

En me gmund - var mjg erfitt a tta sig hvert hann var a fara.

mar Bjarki Kristjnsson, 12.8.2009 kl. 15:25

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