WEBVTT 00:03.600 --> 00:08.441 Duk dukiyoyin masu zaman kansu suna cikin haɗarin zama mallakin wasu manyan bankunan masu zaman kansu kaɗan 00:08.441 --> 00:11.240 idan aka samu wani faɗuwar tattalin arziki mai zuwa. 00:11.240 --> 00:15.747 A martani ga wannan kwacen dukiya gaba ɗaya, an canza dokoki a matakin ƙasa da na ƙasa 00:15.747 --> 00:18.480 da ƙasa a ɓoye ba tare da sanin jama'a ba. 00:18.480 --> 00:24.293 Babban jami'in ciki na harkokin kudi David Webb ya bayyana kuma ya gabatar da hujjoji kan yadda wannan ya faru a cikin 00:24.293 --> 00:27.519 sabon littafinsa da aka buga kwanan nan, The Great Taking. 00:27.519 --> 00:33.719 Bugu da ƙari, munanan faɗuwar tattalin arziki mafi girma a tarihi tana gab da faruwa. 00:33.719 --> 00:38.479 A cikin harshe mai sauƙi: kowa na iya rasa komai nan ba da jimawa ba. 00:38.479 --> 00:43.200 Amma David Webb ma ya ga wata dama kuma ya ba da shawarar mafita mai yiwuwa. 00:43.200 --> 00:47.500 Don Allah duba maganganunsa da ke ƙasa. Sassan daga "Babban Karɓe" na David 00:50.119 --> 00:52.240 Sunana David Webb. 00:52.240 --> 00:54.920 Ina zaune a Stockholm, Sweden. 00:54.920 --> 01:00.826 Na kula da hannun jari na jama'a kuma daga baya na kula da asusun kariya a lokacin bayan rikicin kuɗi na 01:00.826 --> 01:05.620 Asiya da kuma kafin bullar kumfar dot-com da rushewar ta. 01:07.200 --> 01:13.200 A lokacin ina yaro, na shaida farkon rushewar masana'antu a Cleveland, kuma na girma 01:13.200 --> 01:17.239 da buƙatar fahimtar abin da ke halaka mu. 01:17.239 --> 01:25.400 Saboda iyalina, wanda a da yake da farin ciki sosai, mai annashuwa kuma mai jinƙai, an shafe shi sosai 01:25.400 --> 01:31.140 da hakan, kuma a zahiri ya halaka wurin da na girma. 01:34.359 --> 01:38.680 Don haka na yanke shawarar karanta tattalin arziki da kudi. 01:38.680 --> 01:45.560 Ina ganin ni daban ne daga sauran mutane a duniyar kuɗi saboda ban damu da kuɗi sosai ba. 01:45.560 --> 01:51.319 Kullum ina sha'awar fahimtar abubuwa, kuma hakan ya ba ni fa'ida. 01:51.319 --> 01:55.040 Na fahimci abubuwa da wasu mutane ba su fahimta ba. 01:55.040 --> 02:00.879 A shekarar 2008, na shaida rushewar kasuwanci ta farko ta wani dillalin kasuwa . 02:00.879 --> 02:07.131 Abin da ya ba ni mamaki shi ne cewa an cire kudaden asusun abokan cinikin wannan dillalin-kasuwanci daga 02:07.131 --> 02:11.520 dukiyar rushewar dillalin, abin da ba zai taba yiwuwa ba a da. 02:11.520 --> 02:16.280 A duk tarihin takardun mallaka, an ɗauke su a matsayin dukiyar mutum. 02:16.280 --> 02:21.340 Don haka na fara bincika abin da zai iya canzawa. 02:27.840 --> 02:34.840 Ta yin haka, na gano cewa an jawo hakan ne ta canje-canje da aka yi wa Dokar Kasuwanci ta Ƙasa a Amurka. 02:34.840 --> 02:38.159 An canza wannan a dukkan jihohi 50. 02:38.159 --> 02:43.448 Wannan ya nufin za a iya aiwatar da shi a hankali na tsawon lokaci kuma ba lallai ne a yi shi a 02:43.448 --> 02:47.080 matakin tarayya ba, domin kada ya jawo hankali. 02:47.080 --> 02:53.120 Wannan ya ƙirƙiri sabon tsarin doka don ikirarin samun tsaro. 02:53.120 --> 02:59.868 Sa'an nan, a shekarar 2005, an yi wani canji a dokar rushewar bashi a Amurka wanda ya 02:59.868 --> 03:04.159 haifar da wani abu da ake kira "safe harbour." 03:04.159 --> 03:05.879 Hakan ma yana da kyau. 03:05.879 --> 03:12.906 Amma Safe Harbor yana nufin cewa masu bashi da aka tabbatar suna da mafaka mai aminci don karɓar dukiyar abokan 03:12.906 --> 03:21.080 ciniki, kuma ko da a lokacin zamba, za su iya kasancewa tabbatacce cewa za su karɓi dukiyar abokan ciniki. 03:21.080 --> 03:26.740 Kawai manyan bankuna ne kawai ke da izinin karɓar ajiyar kwastomomi. 03:29.439 --> 03:33.719 Don haka ba ka son kowa ya tsoma baki ko ya ɗauki komai. 03:33.719 --> 03:37.199 Sai su kaɗai za su ɗauke shi. 03:37.199 --> 03:46.116 An canza tsarin ne domin a mika mallaka zuwa wani mataki mafi girma kuma a riƙe ta a cikin tarin juna, musamman a lokacin 03:46.116 --> 03:51.280 rikici, domin biyan buƙatun tsarin masu bashi da jingina. 03:51.280 --> 03:57.984 Kuma idan hakan ta faru, mutanen da suka yi tunanin sun kare kansu, ciki har da cibiyoyin da suka fi kowa 03:57.984 --> 04:03.159 fasaha da asusun fansho, ba za su sake samun kariya ba. 04:03.159 --> 04:09.056 Kuma masu bashi da aka tabbatar za su kwace dukkan hannun jari da takardun bashi na 04:09.056 --> 04:13.800 asali, suna ba su iko a kan duk kamfanonin jama'a. 04:13.800 --> 04:17.800 Sun tsara shi ta yadda za su iya ɗaukar abubuwa domin kansu. 04:17.800 --> 04:23.562 Za ku iya karɓar dukkan takardun jingina daga mutane da kamfanoni waɗanda ba su da wani bashi da bai biya ba, amma maimakon 04:23.562 --> 04:27.680 haka su mallaki komai a sarari ba tare da wata shakka ba. 04:27.680 --> 04:34.319 Bari in ba ka wani misali don nuna tsoron wannan tsari: 04:34.319 --> 04:37.279 Don haka ka sayi mota ka biya da kuɗi. 04:37.279 --> 04:40.160 Kana tunanin kai mai ra'ayin mazan jiya ne sosai. 04:40.160 --> 04:43.319 Ba ka da bashi na motar. 04:43.319 --> 04:48.600 Amma ba tare da ka sani ba, dillali yana ci gaba da riƙe motarka a matsayin jingina. 04:48.600 --> 04:50.759 Ba za a gaya maka hakan ba. 04:50.759 --> 04:58.759 Mai sayar da mota yana amfani da motarka da duk sauran motoci da ya sayar a matsayin jingina ga basussukansa da kasuwancinsa. 04:58.759 --> 05:00.560 Yanzu dillalin yana faduwar kudi. 05:00.560 --> 05:06.148 Kuma masu bashi da aka tabbatar ne kawai ke da izinin ɗaukar motarka nan take da duk motocin da 05:06.148 --> 05:11.060 dillali ya taɓa sayarwa ba tare da wata binciken kotu ba. 05:16.240 --> 05:20.680 Idan na bayyana wannan ga mutane, sai su fara damuwa game da motocinsu. 05:20.680 --> 05:23.319 Wannan ba game da motarka ba ne. 05:23.319 --> 05:26.480 Wannan misali ne na abin da ya faru. 05:26.480 --> 05:31.639 Yafi muni fiye da idan maganar motarka ce kawai, domin a zahiri yana magana ne game da 05:31.639 --> 05:34.839 dukkan harkokin tsaro na kuɗi a duniya baki ɗaya. 05:34.839 --> 05:40.199 Saboda haka, ba rushewar kudadenka ba ce ke haifar da asarar dukiyoyinka. 05:40.199 --> 05:45.383 Wannan rashin iya biyan bashin mutanen ne da suka ɓoye suka yi amfani da jinginar ku a matsayin 05:45.383 --> 05:50.519 dukiyarsu ba tare da sun sanar da ku ko sun bayyana ba. 05:50.519 --> 05:52.879 Wannan labari ne mai wayo. 05:52.879 --> 05:58.920 To eh, sun canza doka. Sun gyara Dokar Kasuwanci ta Ƙasa. 05:58.920 --> 06:01.519 Wannan ya faru tun daga shekarar 1994. 06:01.519 --> 06:08.319 Don haka an aiwatar da wani shiri tsawon shekaru da dama domin cimma wannan. 06:08.319 --> 06:15.639 An kaddamar da tsarin daidaitawa domin sanya wannan tsari cikin doka a duk faɗin duniya. 06:15.639 --> 06:18.040 Kuma sun yi hakan ta hanyar Tarayyar Turai. 06:18.040 --> 06:24.240 Tattaunawar farko kan wannan batu da ake samu a cikin takardun EU ta samo asali ne tun shekarar 2002. 06:24.240 --> 06:27.639 A wancan lokacin, an fara aiwatar da tsarin a lokacin da ya biyo bayan rushewar dot-com. 06:27.639 --> 06:32.759 Kuma Tarayyar Turai ta ƙirƙiri wani abu da take kira "Rukunin Tabbacin Dokoki". 06:32.759 --> 06:35.480 Kuma hakan ma yana kama da abu mai kyau. 06:35.480 --> 06:42.879 Sai dai abin da ake nufi shi ne tabbacin doka ga masu bashi da jingina su kwace dukiyoyin abokan ciniki. 06:42.879 --> 06:51.040 Yana kama da wasan Monopoly inda duk kuɗin dukkan jaruman da ke kan allo ake mayar da su banki. 06:51.040 --> 06:54.959 Sannan sai su ce, mu fara wata sabuwar wasa. 06:54.959 --> 06:59.120 Muna farawa ne daga hujjar cewa mu muna da komai, ku kuwa ba ku da komai. 06:59.120 --> 07:00.639 To, kana so ka aro wani abu? 07:00.639 --> 07:06.959 Kuma shi ne abin da CBDC zai kasance, wato kudin dijital na babban banki. 07:06.959 --> 07:15.920 Zai yi matuƙar wahala ga mutane su ƙi amfani da CBDC saboda a zahiri ba za su iya cin abinci ba. 07:15.920 --> 07:22.560 Kuma shi ya sa yake da matukar muhimmanci a wayar da kan mutane tun da wuri, domin su fahimci abin da ke faruwa. 07:22.560 --> 07:29.480 Kuma domin mutane su iya shiga har zuwa matakan mafi girma na tsarin. 07:29.480 --> 07:35.199 Yana da damar kunna mutane masu ƙwarewa sosai, har zuwa saman tsarin. 07:35.199 --> 07:39.279 Yana da yiwuwar haɗa mutane su yi adawa da wannan tsarin. 07:39.279 --> 07:44.869 Don haka akwai kan maciji, amma ba zai iya yin komai da kansa ba; maimakon haka, yana dogara ne ga 07:44.869 --> 07:48.839 tsokar da ke ƙarƙashin kan macijin don ta yi masa komai. 07:48.839 --> 07:54.819 Kuma wani ɓangare na aikin shi ne tura wannan fahimta zuwa wannan tsoka. 07:59.399 --> 08:05.600 Don haka kowa dole ne ya fuskance shi, har ma mutanen da suke tunanin suna da iko kuma za su iya kawo canji. 08:05.600 --> 08:08.160 Kuma dole ne a yi wannan bisa doka. 08:08.160 --> 08:11.240 Dole ne a yaki shi ta hanyoyin doka. 08:11.240 --> 08:17.399 Ina nufin, ka yi tunanin abin da zai faru idan alkalai a muhimman mukamai suka gano wannan. 08:17.399 --> 08:24.480 Masu gabatar da kara. Ba a taɓa gudanar da wani bincike na gaske ba kan yadda za a iya kawar da wannan tsarin zamba. 08:24.480 --> 08:30.139 Kuma za a sami hanyoyi na yin wannan, domin shi kawai wata ƙirƙira ce. 08:34.919 --> 08:42.840 Littafin "The Great Taking" na David Webb da kuma dogon fim ɗin dokumentari za a iya samun su a nan: TheGreatTaking.com