<\/p>\n
En sama hva\u00f0 \u00fev\u00ed l\u00ed\u00f0ur \u00fe\u00e1 h\u00f6fum vi\u00f0 enn ekki \u00e1tta\u00f0 okkur \u00e1 \u00fev\u00ed a\u00f0 h\u00e9r var\u00f0 engin kreppa.<\/p>\n
Hugmyndin um kreppuna er skynvilla. Kreppan var\u00f0 til vegna b\u00f3lu sem sprakk. B\u00f3lu sem var\u00f0 til \u00ed \u00e1standi sem f\u00f3lk rangt\u00falka\u00f0i sem vels\u00e6ld. E\u00f0lilega vill f\u00f3lk komast aftur til \u00feess raunveruleika, inn \u00ed vels\u00e6ldina.<\/p>\n
\u00cdslenskt efnahagsl\u00edf gekk \u00feokkalega \u00e1ri\u00f0 2001. \u00dea\u00f0 var a\u00f0 koma \u00fat \u00far skammvinnri l\u00e6g\u00f0, skuldsetning var skapleg og tannhj\u00f3l undirliggjandi framlei\u00f0slu snerust \u00e1g\u00e6tlega. Vextir Se\u00f0labanka \u00cdslands voru nokku\u00f0 h\u00e1ir en fj\u00e1rm\u00f6gnun atvinnul\u00edfsins f\u00f3r a\u00f0 hluta til fram \u00ed erlendri mynt, einkum s\u00e1 hluti sem snerti \u00fatflutnings- og\/ e\u00f0a samkeppnisgreinar.<\/p>\n
\u00deetta var l\u00edti\u00f0 og s\u00e6tt hagkerfi, sem \u00fe\u00f3 var ekki a\u00f0 gera neinar s\u00e9rstakar r\u00f3sir. Engu a\u00f0 s\u00ed\u00f0ur virtist \u00fea\u00f0 \u00feess umkomi\u00f0 a\u00f0 sj\u00e1 \u00feegnum s\u00ednum fyrir \u00e1g\u00e6tu l\u00edfi til framt\u00ed\u00f0ar.<\/p>\n
\u00dea\u00f0 sem ranns\u00f3knarnefnd Al\u00feingis hef\u00f0i \u00e1tt a\u00f0 sko\u00f0a er hvernig t\u00f3kst \u00e1 sj\u00f6 \u00e1rum a\u00f0 komast \u00far \u00feessari st\u00f6\u00f0u yfir \u00ed \u00fe\u00e1 a\u00f0 einstaklingar, fyrirt\u00e6ki og sveitarf\u00e9l\u00f6g r\u00f6mbu\u00f0u \u00e1 barmi gjald\u00ferots \u2013 og sum hver hafi vart \u00e1tt s\u00e9r vi\u00f0reisnar von. A\u00f0alatri\u00f0i\u00f0 \u00ed st\u00f3ra samhenginu er ekki spurningin hvers vegna bankarnir ur\u00f0u gjald\u00ferota.<\/p>\n
\u00c1 \u00cdslandi ger\u00f0ist tvennt \u00e1\u00f0ur en b\u00f3lan sprakk. Gjaldmi\u00f0illinn styrktist vegna \u00f6rl\u00e6tis Se\u00f0labankans og Se\u00f0labankinn neyddi hagkerfi\u00f0 til a\u00f0 n\u00e1 s\u00e9r \u00ed fj\u00e1rm\u00f6gnun erlendis \u00fear sem rekin var vaxtastefna sem engin l\u00f6gleg atvinnustarfsemi \u00fer\u00edfst \u00e1. \u00deess vegna skuldu\u00f0u \u00cdslendingar \u00f3heyrilega h\u00e1ar upph\u00e6\u00f0ir \u00ed erlendri mynt. Vegna mikillar styrkingar gjaldmi\u00f0ilsins var\u00f0 ver\u00f0lag \u00e1 innfluttri v\u00f6ru \u00f3e\u00f0lilega l\u00e1gt og fj\u00e1rm\u00f6gnun me\u00f0 erlendu l\u00e1nsf\u00e9 \u00f3e\u00f0lilega hagst\u00e6\u00f0. \u00dea\u00f0 leiddi til hjar\u00f0heg\u00f0unar \u00fej\u00f3\u00f0arinnar og l\u00fdsti s\u00e9r \u00ed neyslu langt umfram undirliggjandi ver\u00f0m\u00e6task\u00f6pun.<\/p>\n
Venjulega myndu \u00fatflutningsfyrirt\u00e6kin selja gjaldeyri, me\u00f0al annars til a\u00f0 kaupa \u00edslenskar Matadorkr\u00f3nur til a\u00f0 borga laun og \u00feess h\u00e1ttar. Bankinn myndi l\u00e1na gjaldeyri til st\u00f3rhuga fyrirt\u00e6kis sem \u00e6tlar a\u00f0 kaupa n\u00fdja framlei\u00f0slul\u00ednu til a\u00f0 skapa ver\u00f0m\u00e6ti og st\u00f6rf. \u00deegar aftur gengur vel borgar \u00fea\u00f0 l\u00e1ni\u00f0 til baka. Gjaldeyrinn fer annan hring \u00ed hagkerfinu, \u00f6llum til hagsb\u00f3ta.<\/p>\n
N\u00fa er \u00feessi hringfer\u00f0 ekki m\u00f6guleg nema me\u00f0 undan\u00fe\u00e1gum, \u00feegar og ef \u00fe\u00e6r f\u00e1st.<\/p>\n
Kreppa er \u00e1stand sem kemur og fer. \u00cdsland er \u00ed st\u00f6\u00f0u sem mun vara til lengri t\u00edma, l\u00edklega \u00e1ratuga, og er lakari en s\u00fa sem vi\u00f0 vorum \u00ed \u00e1ri\u00f0 2001. Vi\u00f0 erum komin inn \u00ed n\u00fdjan veruleika me\u00f0 of d\u00fdru heilbrig\u00f0isog sk\u00f3lakerfi og of v\u00ed\u00f0fe\u00f0mu vegakerfi.<\/p>\n
\u00de\u00f3tt dregi\u00f0 hafi \u00far neikv\u00e6\u00f0um \u00e1hrifum \u00feess a\u00f0 b\u00f3lan sprakk \u00fe\u00e1 \u00feurfum vi\u00f0 a\u00f0 passa okkur.<\/p>\n
Fer\u00f0amannasprengjan hefur milda\u00f0 \u00e1hrif hrunsins miki\u00f0 og afur\u00f0aver\u00f0 hefur veri\u00f0 h\u00e1tt s\u00ed\u00f0ustu \u00e1r. \u00deetta hefur leitt til \u00feess a\u00f0 tekjur \u00fej\u00f3\u00f0arb\u00fasins hafa teki\u00f0 vi\u00f0 s\u00e9r og eru n\u00fa komnar aftur \u00e1 svipa\u00f0an sta\u00f0 og 2006.<\/p>\n
S\u00f6mulei\u00f0is hefur tekist a\u00f0 draga \u00far skuldsetningu og ve\u00f0setningu \u00fej\u00f3\u00f0f\u00e9lagsins. R\u00e1\u00f0ist hefur veri\u00f0 \u00e1 skuldsetningu hins opinbera me\u00f0 \u00fev\u00ed a\u00f0 draga \u00far \u00fej\u00f3nustu \u00e1 sama t\u00edma og gj\u00f6ld hafa veri\u00f0 h\u00e6kku\u00f0.<\/p>\n
Mikill innlendur sparna\u00f0ur hefur leitt til h\u00e1s eignaver\u00f0s. \u00deetta hefur me\u00f0al annars stafa\u00f0 af \u00fev\u00ed a\u00f0 sparna\u00f0inn er ekki h\u00e6gt a\u00f0 n\u00fdta nema a\u00f0 litlum hluta til fj\u00e1rfestinga \u00ed n\u00fdjum t\u00e6kif\u00e6rum og hefur leitt til mikillar ver\u00f0h\u00e6kkunar \u00e1 \u00feeim fj\u00e1rfestingarkostum sem eru \u00ed bo\u00f0i, svo sem hluta- og skuldabr\u00e9fum, og gr\u00ed\u00f0arlegum innl\u00e1num l\u00edfeyrissj\u00f3\u00f0a. Mikil eftirspurn eftir h\u00fasn\u00e6\u00f0i, sem er a\u00f0 hluta til drifin af miklum fer\u00f0amannastraumi, hefur haldi\u00f0 fasteignaver\u00f0i uppi.<\/p>\n
\u00c1stand okkar er \u00fev\u00ed \u00fer\u00e1tt fyrir allar a\u00f0ger\u00f0ir enn broth\u00e6tt. Vi\u00f0 ver\u00f0um a\u00f0 passa okkur og horfa lengra en \u00ferj\u00fa skref fram \u00e1 veginn.<\/p>\n
\u00a0<\/p>\n
Grein \u00feessi birtist \u00ed Vi\u00f0skiptabla\u00f0inu 4. mars 2015. H\u00f6fundur er J\u00f3n A\u00f0alsteinn Bergsveinsson, s\u00e9rfr\u00e6\u00f0ingur \u00e1 mi\u00f0lunarsvi\u00f0i Cohn & Wolfe.\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" \u00cdslendingar tala enn um efnahagshruni\u00f0 hausti\u00f0 2008 og \u00fe\u00e1 kreppu sem fylgdi \u00ed kj\u00f6lfari\u00f0. N\u00fa, um sj\u00f6 \u00e1rum s\u00ed\u00f0ar, hafa nokkrir sem taldir eru hafa \u00e1tt hlut \u00ed hruninu hloti\u00f0 d\u00f3ma. \u00d6\u00f0rum m\u00e1lum lykilpers\u00f3na er enn \u00f3loki\u00f0 fyrir d\u00f3mst\u00f3lum.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[14],"tags":[],"_links":{"self":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts\/187"}],"collection":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/comments?post=187"}],"version-history":[{"count":0,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts\/187\/revisions"}],"wp:attachment":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/media?parent=187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/categories?post=187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/tags?post=187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}