2013-06-03

Cato: A Golden Currency Board

Until early in the 20th century, gold played a central role in the world of money. Gold had an incredible run — almost three thousand years. And why not? After all, Professor Roy Jastram convincingly documents in The Golden Constant just how gold maintains its purchasing power over long periods of time.
But, since President Richard Nixon closed the gold window in August 1971, gold has not played a formal role in the international monetary regime. Today, the “regime” is characterized by many as a chaotic non-system.
In the past decade, gold prices have surged and there have been noises in some quarters that gold’s formal role should be re-established in the sphere of international money. In 1997, Nobelist Robert Mundell went so far as to predict that “Gold will be part of the structure of the international monetary system in the twenty-first century.” Today, there are many proposals to re-introduce gold into the world of money, including a Swiss parliamentary initiative (11.407 “Establishing a Gold Franc”).
Automatic Currency Boards
One foolproof way to transform Professor Mundell’s prediction into a reality is via gold-based currency boards. Currency boards have existed in more than 70 countries and a number are still in operation today. Countries with such monetary institutions have experienced more fiscal discipline, superior price stability, and higher growth rates than comparable countries with central banks.
An orthodox currency board is a monetary institution that only issues notes and coins. These monetary liabilities are freely convertible into a reserve currency (also called the anchor currency) at a fixed rate on demand. The reserve currency is a convertible foreign currency or a commodity chosen for its expected stability. For reserves, such a currency board holds low-risk, interest-earning securities and other assets payable in the reserve currency.
By law, a currency board is required to maintain a fixed exchange rate with the reserve currency and hold foreign reserves equal to 100 percent of the monetary base. This prevents the currency board from increasing or decreasing the monetary base at its own discretion. Nor does a typical currency board influence the relationship between the monetary base and the money supply by imposing reserve ratios or otherwise regulating commercial banks. An orthodox currency board system is passive and is characterized by automaticity.
In the past, currency boards have issued monetary liabilities that were fully backed by gold and were fully convertible into gold at a fixed rate on demand. The following abridged gold based currency board law is presented to indicate how a modern, independent, gold-based currency board could be established and would operate (the full version is available in Hanke 2012). As drafted, the law would allow for the creation of a government-owned entity. But, with slight amendments, the draft law could support the establishment of a purely private currency board.

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