Filosofía de Dinero

Underlying all financial activity are transactions involving money. The term “transactions” means something philosophically different in economics. It stands for exchanges of goods and services. Dinero, in economic transactions, has only a transactional value. It plays the role of a medium facilitating the exchanges. En las transacciones financieras, sin embargo, dinero se convierte en la entidad que está siendo tramitado. Los sistemas financieros esencialmente mueven dinero de los ahorros y la transforma en capital. Así, el dinero adquiere un valor de inversión, Además de su valor intrínseco transaccional. Este valor de la inversión es la base del interés.

Teniendo en cuenta que también se mide el valor de la inversión y regresó en términos de dinero, tenemos la noción del interés compuesto y “poner el dinero a trabajar.” Los que tienen retornos de demanda de dinero basado en el riesgo de la inversión que están dispuestos a asumir. Y el papel del sistema financiero moderno se convierte en uno de equilibrar esta ecuación rentabilidad-riesgo.

We should keep in mind that this signification of money as investment entity is indeed a philosophical choice that we have made over the past few centuries. Other choices do exist — Islamic banking springs to mind, although its practice has be diluted by the more widely held view of money as possessing an investment value. It is fascinating to study the history and philosophy of money, but it is a topic that calls for a full-length book on its own right. Understanding money at its most fundamental level may in fact enhance our productivity — which is again measured in terms of the bottom line, consistent with the philosophy of money that enjoys currency.

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  1. Interesting thoughts. As you ponder this topic, here’s something to think about as well. Why is it that banks do not invest? Banks, son “lenders”, not investors. Most banking charters prohibit investing. This shifts the balance of risk as loans are tied to assets. Money still works, but in a different way. Understanding this one component of finance could be a life changing event. I hope you’ll take that into consideration when you write your book.

    Travis MItchell

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