Quote of the day

“I find economics increasingly satisfactory, and I think I am rather good at it.”– John Maynard Keynes

Saturday, 26 March 2016

Living Wage and NMW

Will the new National Living Wage cost jobs?

The new remit of the Low Pay Commission (LPC) asks them to recommend the future path of the NLW, with a target of the total wage reaching 60% of median earnings by 2020. On Office for Budget Responsibility forecasts, a full-time NMW worker will earn over £4,800 more by 2020 from the NLW in cash terms
Many firms, particularly those in traditionally low-wage sectors such as pubs, restaurants and social care, have expressed concerns about the impact of this significant rise in labour costs. But while recent research finds that the stock market value of companies likely to be constrained by the NLW fell when the policy was first announced, the reduction was nowhere near big enough to suggest anything other than temporary problems. Nevertheless, the employment effects of minimum wages have long been disputed by economic researchers. 

A new survey conducted by the UK Centre for Macroeconomics (CFM) survey asked panel members whether the National Living Wage (NLW) is likely to lead to significantly lower employment. Here are some of the expressed views of individual economists - useful for adding evaluation into your answers:
Many economists who disagree that the NLW would lower employment stress that it only covers a small fraction of the labour force, so it is unlikely to have a significant effect on aggregate unemployment. 
Michael McMahon (Warwick) argues that ‘the total number of employees earning the minimum wage is a relatively small proportion of total employment’.

Andrew Mountford (Royal Holloway) argues that ‘if the National Living Wage causes firms to invest in the productivity of their workforce and workers to invest in themselves, then it will have a significantly positive effect on UK economic performance in the longer run.’

However Simon Wren-Lewis (Oxford) comments that ‘I suspect that it will lead to significant reductions in employment in the residential care sector, because here the scope for squeezing profits is small and the government partly fixes the price.’

Morten Ravn (University College London) is concerned about distributional effects and believes that ‘it would seem rather fairytale-like to believe that a large increase in wages at the bottom of the distribution could be implemented at no cost of employment of the workers concerned.’
The Economics Nobel prize-winner Christopher Pissarides (LSE) argues: ‘the main effect will be on prices but given the number of workers on the minimum wage and the overall share of labour in costs the impact will be muted.’ 
Jonathan Portes (National Institute of Economic and Social Research) points out that while the aggregate effect on wages and prices may be small, ‘It will have a significant impact on wages for some workers and hence some companies.’
Jagjit Chadha (Kent) states that ‘In order to maintain relativities, firms may reduce both overall labour hours or total employment numbers and the increase in the wage bill may drive up firms’ costs, which may increase the overall price level and lead to temporarily higher inflation.’ 
The strongest opposition to the NLW is expressed by Patrick Minford, who argues that ‘with such a large rise in low-paid wages, there will be effects right up the wage scale… This will also put upward pressure on prices.’

Michael McMahon (Warwick) echoes the views of some participants that ‘some small upward pressure on inflation is potentially to be welcomed, given how close to deflation we are at a time that interest rates are already low.’ 
Chris Martin (Bath) takes this further by suggesting that the NLW might get the UK out of what he sees as a low-wage/low-pay trap, because ‘raising the cost of labour gives more incentive for firms to invest in skills, an area where the UK is chronically weak at the bottom end of the wage distribution.’

The key unknown for many participants is how quickly the UK economy will grow in the coming years. 
Putting both sides of the argument, Wouter Den Haan (LSE) writes that ‘If the UK economy grows rapidly, then the increase in the NLW is unlikely to matter much for anything except low-wage workers. If the UK economy does not grow rapidly, then the increase in the NLW could have an impact on employment, but inflationary pressure is unlikely in such an environment.’

G7 main expenditure comparisons

NB is 2013 data, but good comparative table:


I note the latest data on household consumption (from OBR) shows households adding to debt at the fast rate for several years - consumption growth is running ahead of income growth by some margin.

AS Revision videos

Follow the link for an extensive list of revision videos from tutor2u:

AS revision videos - various

An idea on building evaluation points for any topic:

A relatively simple method to help you memorise evaluation points.


Good article on monetary policy, with 4 good evaluation points:


We are in danger of becoming addicted to low interest rates

The returns available to savers have been depressed for many years now CREDIT: ALAMY


This month, we passed the seventh anniversary of the Monetary Policy Committee’s decision to reduce the official Bank Rate to 0.5pc, the lowest level in UK monetary history. Because the EU Referendum and the Budget have been dominating the economic and financial headlines, this anniversary passed almost unnoticed.  However, we have not seen a period of such prolonged low interest rates here in the UK since the 1930s and 1940s. Then, the Bank of England’s official interest rate was held at 2pc from 1932 until 1951 – initially to respond to the problems of the Great Depression and subsequently because of the impact of the Second World War.
Apart from the 1930s and 1940s, I cannot find any period since the Bank was founded in 1694 when interest rates have been held at 2pc or below for as long as the last seven years. So we are living in very unusual times for monetary policy.
I was a member of the MPC when we cut interest rates to 0.5pc in March 2009 and embarked on the policy of Quantitative Easing. It was the right thing to do at that time because of the deepening financial crisis and the need to provide a boost to consumer and business confidence.
But the UK and the world economy have moved on a long way since then. We are now in the seventh year of economic recovery. UK unemployment has been falling fairly consistently for more than four years and the jobless rate is now below its pre-crisis level. The British economy has been either first or second in the G7 league table since 2013 and is likely to occupy one of the top two slots this year as well.
So why are we stuck at a level of interest rates which was set to respond to an economic and financial emergency in 2009? The usual answer to this question is that there is no immediate need to raise interest rates. We are in a low interest rate environment worldwide – not just in the UK – and there are many uncertainties affecting the global economic outlook. In addition, inflation remains subdued, particularly since the recent falls in the oil price.
However, this line of thinking does not take into account the potential problems which a prolonged period of very low interest rates may be creating for the economy at the same time.
There are four key negative consequences for the economy which should be concerning central banks around the world.
First, the returns available to savers have been depressed for many years now, while inflation has continued to erode the value of savings. Despite being very low recently, average inflation since interest rates were cut to 0.5pc has been over 2pc. A situation where real (ie inflation-adjusted) interest rates are negative means the value of savings is being eroded over time, not increasing. This offers poor incentives to individuals to save for the future and makes it increasingly difficult for people to provide an adequate income in retirement. While a temporary period of low interest rates can be tolerated by savers, if this persists for many years it risks undermining the notion that saving is a worthwhile and productive activity.
 Second, low interest rates encourage consumers to take on more debt – precisely the problem which created the difficulties that led to the financial crisis in the first place. Unsecured lending - such as overdrafts, bank loans and credit card debt - is already growing at about 6pc, according to the latest figures. The British Bankers’ Association said last week: “Households are increasingly taking advantage of low interest rates by taking on more unsecured borrowing.” Mortgage borrowing has also been picking over the past two to three years.
Third, house prices are being pushed up – particularly in London and the South East – by the availability of cheap money. Official figures last week showed that UK property prices were nearly 8pc higher than a year ago. The average UK house price is now worth nearly £300,000. While people who are already homeowners continue to benefit from low interest rates, high house price inflation penalises younger people trying to get on the first rungs of the housing ladder – the so-called “Generation Rent”.
Fourth, the longer we continue at the current level of interest rates, the more likely it is that businesses and individuals treat this as the normal state of affairs. That makes it harder for the Bank or other central banks to wean the economy off the monetary medicine and establish a level of interest rates which is in line with or higher than inflation. The longer this period of very low borrowing costs continues, the greater the risk we develop an economy addicted to extremely low interest rates, in which even a small rise in rates is seen as a big shock to the system.
House prices are being pushed up – particularly in London and the South East – by the availability of cheap money
House prices are being pushed up – particularly in London and the South East – by the availability of cheap money

To avoid getting caught in this trap, central banks in economies which are performing reasonably well, like the UK and the US, cannot afford to delay much longer. Indeed, the Federal Reserve started the process of raising the US interest rate in December, and a number of policy-makers are now suggesting there could be another upward move in April.
In the UK, the Bank should be taking the opportunity afforded by rising interest rates in the US to make the first moves here too, though the uncertainty created by the EU Referendum is likely to prevent any decision until after June.
There will always be some short-term reason for delaying a rise in interest rates after such a long period at near-zero levels. The current issues which seem to be holding back the Bank are uncertainty about parts of the global economy and low inflation. But waiting until all the indicators are flashing red and pointing to the urgent need for higher interest rates means it has almost certainly been left too late.
The job of an independent central bank is to take a long-term view and to look beyond the short-term fluctuations and uncertainties. That means taking account of the negative consequences of a prolonged period of exceptionally low savings returns and borrowing costs and not continually postponing the process of gradually returning interest rates to more normal levels.
Andrew Sentance is senior economic adviser at PwC and a former member of the Monetary Policy Committee

Marginal gains - are you:


Thursday, 24 March 2016

The new Apprenticeship Levy - gold standard or sub-standard?

This is an example of a supply-side policy that has really good intentions, but faces numerous pitfalls. Previous attempts to create government-funded training schemes collapse amidst fraud by the training providers. This article highlights the potential value (placing the burden on employers, and connecting them directly to providers) versus the pitfalls - real skills? Employers seeking to mitigate the costs elsewhere? In addition to this, consider the fiscal aspects, and contrast it with NIC:


Is the employer levy a big deal? Definitely maybe

matt hamnett     20th November 2015 at 00:00 
The apprenticeship landscape is changing, but the ramifications aren’t yet clear
In less than 18 months a new apprenticeship levy will be imposed on large employers, changing the landscape of further education and apprenticeships beyond recognition. Definitely? Maybe.

When thinking about how big a deal the levy might be, it’s worth asking: why now? Levies aren’t a new idea. We had them in most sectors for the two decades up to the early 1980s. A couple still exist, in the construction and engineering sectors. In the 2003 skills strategy White Paper, the Labour government promised to support the development of new sector-based levies on a voluntary basis. Lord Leitch offered equivocal support for the same in his 2006 review, and the government followed suit in its 2007 White Paper (I know, I wrote it). The brilliantly Yes Minister talk of the time was of “post voluntarism” if employers didn’t get their act together and invest in skills.

So, have ministers finally tired of employers’ failure to recognise the way that skills drive productivity, which drives profitability and growth? Maybe. Or is the government just skint and in desperate need of new ways to fund tertiary education? Definitely. Are levies a proven policy measure, guaranteed to change behaviour? At best, maybe.

The evidence is pretty patchy. There hasn’t been a serious evaluation of the old industry training board regime. Evidence from overseas (France, Quebec, Malaysia and Australia have all operated levy regimes at some point) suggests a series of flaws, issues and risks.

What could go wrong?

Clunky and expensive administration can take resource away from training and undermine employer engagement. The Skills Funding Agency (SFA) is currently developing a digital voucher exchange to support the new apprenticeship levy, with employers that want to spend more able to buy additional vouchers at a discounted rate. What could go wrong? I’m fractionally too young to remember the individual learning accounts fiasco. Let’s hope that the survivors still in the Department for Business, Innovation and Skills and the SFA shout loud and often about the fractures, failures and frauds that killed an otherwise perfectly sensible attempt to put purchasing power in the hands of the customer.

Even where employers do engage in training rather than bearing the levy as a tax, there is little evidence of productivity improvements flowing from levy regimes. The risk is that we will see further growth in content-light apprenticeships that help the government to hit its target of creating 3 million starts but miss the point: better skilled young people, better able to realise their potential, improving business productivity and performance.

The other big flaw in previous levy regimes is that small firms tend to lose out because the levy unfairly hits their finances, and because they find it hardest to engage with whatever arrangements are put in place for them to access levy-funded training. On this point, the government has definitely got it right. Only “large” employers will be required to pay the levy, and they may be permitted to spend it in their supply chain – a great idea salvaged from the wreckage of the “employer ownership of skills” pilots.


What’s going to happen?

So what’s going to happen in 2017? For large employers faced with the prospect of a new tax, there are some big questions and opportunities on the horizon. We should assume that finance directors across the nation will soon be asking their HR colleagues a simple question: “How do we get our money back?” From that starting point stems either a serious discussion about how the business will invest in emerging talent, or one about what can be badged to ensure funding is reclaimed.

Some will ultimately choose to do nothing and bear the levy as another annoying tax. Some will do enough to spend their levy one way or the other. Others will be receptive to the intended behavioural nudge and get serious about training. Other policy measures – including a serious assault on bureaucracy, clearer and simpler marketing than we’ve ever seen, and (my favourite) human capital reporting requirements for large employers – will be required to cement the last option as the course taken by the majority.

Employers will also have unprecedented (if still limited) choice over who they work with to deliver their apprenticeship programme. Unprecedented because funding will, finally, follow the employer. Limited because only registered providers will be able to play. Again, different employers will make different decisions. Some will rethink their choice of provider now they’re really free to do so. Others will demand that their commercial learning and development suppliers enter the apprenticeship space. This could have profound implications for providers.

And what of providers? Grant funding ripped out of our grant letters; the dynamics of the sales process inverted; the opportunity to increase apprenticeship volumes without having to worry about whether government will fund in-year growth; employers compelled to engage with apprenticeships whether they like it or not; and the threat of new and commercial providers encroaching into our traditional backyard.

Threat? Definitely. Opportunity? Maybe. We set up Hart Learning and Development as a discrete business, at arms-length from North Hertfordshire College, to help us stave off the threat and seize the opportunity of the levy era. For me, then, is the levy a big deal? Definitely. Will it change everything? Maybe.


Matt Hamnett is principal of North Hertfordshire College and chief executive of the Hart Learning Group

Supply side reform from the Adam Smith Institute

Supply-side reform: Two steps


We at the ASI think there are two main areas that are ripe for large supply-side improvements: planning, and the tax system. The UK planning system, and the associated regulatory controls on design, dramatically constrain building such that construction is insufficient, in the wrong place, and of the wrong type, relative to market demand. The UK tax system has undergone many recent improvements but is hampered by a mess of confusing and complicated levies that deter far more in economic activity than is necessary to bring in the revenues the exchequer requires.
 

Planning


A recent paper by Chang-Tai Hsieh and Enrico Moretti, both at the University of Chicago, found that housing supply constraints in the USA drastically constrained worker and firm mobility.[1] According to their calculations, looking at 220 US metropolitan areas from 1964-2009 US GDP, if authorities were able to reduce constraints on housing supply only to the level of the median city, GDP could be 9.5% higher. Output, wages, and living standards could jump around a tenth, that is, if they could only bring everyone’s housing supply restrictions to the middle city. Gains would be substantially higher if every city allowed building like the most liberal city.

The restrictions on UK housing supply are substantially tighter than the US median, especially in fast-growing cities like Manchester, Oxford, Cambridge and London. The US, for example, does not have anything as like as restrictive a policy on outward growth as the green belt. Most US cities (except Washington D.C.) do not have height restrictions anything like as extensive of those on certain viewlines in London. And US cities do not require all new buildings to adhere to such stringent light, highway, and access regulations.[2]What’s more, the UK is a highly unequal country; the difference between its highest- and lowest-productivity areas is bigger even than famously divided Italy and post-reunification Germany.

Thus, it seems clear that liberalising supply in the UK could bring gains at least as large as those available in the USA. They would accrue only over time, and they would be one-off—they wouldn’t permanently increase the growth rate, but would instead increase the level of GDP (and GDP per capita) for all time. But the gains would still be incredibly large compared to most policy options, and would be very tangible and noticeable to any observer.

To a newspaper or tourist or Londoner the change would manifest itself as a huge construction boom—housing and commercial building starts at levels not seen since the 1920s. This would start slowly, as firms built up capacity, but rapidly speed up. Rent growth would stall, then rents would begin to fall. The investment component of house prices would fall immediately, accounting for the large increase in housing supply. Populations and densities would grow rapidly in economically dynamic cities, making mass transport more efficient and viable across the cities, not to mention all other sorts of businesses: cafés, shops, restaurants, pubs, clubs, bars and service industries. There would be income effects across the spectrum.

Loosening housing supply could be done in three main ways: type, location, and height.
 
  • The London code, and other regulatory restrictions on building designs, could be loosened to allow more popular ways of building densely (like the terraces of Islington, Pimlico, Kensington, Chelsea and parts of Brixton).
  • Some areas of the Green Belt could be opened for construction—perhaps the 3.7% of the London Green Belt that’s within 10 minutes walk of existing transport infrastructure. This could be built densely in a popular way, rather than purely being made up of executive detached houses.
  • And certain areas of London—clusters, like the planned cluster around the American Embassy at Nine Elms/Vauxhall—could allow higher buildings.
  • On top of that, there could be a much easier system for obtaining planning permission to increase the height of existing two or three story buildings to four or five or six storeys. Trillions of property value could be created on top of the £1.7 trillion there already is in London.

The countervailing consideration of congestion is a serious one, and one that should not be ignored. But its costs can be mitigated straightforwardly, since the gains are so large. More bus services, tubes and trains can be run in London; the congestion charge can be hiked to take account of the greater scarcity of the roads. The alternative is essentially a noose around London’s—and other growing cities’—necks, holding their success back.

For more information, see our reports The Green Noose and A Garden of One's Own.

 

The tax system


Outside of impossible or improbable lump-sum taxation systems like taxes based on height, innate ability, or simply existence, and a small range of Pigovian taxes on externalities, there are no taxes which do not cause deadweight losses. That is, there are no real world taxes which simply move money around, without reducing economic activity at the same time. Once we’ve collected the revenue of well-designed congestion charges, fuel taxes, alcohol and smoking levies, and carbon taxes, we are always going to have to reduce economic welfare when we tax (even if we increase welfare overall by spending that money well). But that doesn’t mean that every way we raise our £700bn is equivalent.

Some taxes are costlier than others. Consider a consumption tax of some percentage on every good and service as a baseline. This reduces everyone’s buying power, and it distorts activity, since it makes every good more expensive with the exception of leisure, which is now cheaper (since every £1 of pay, and hence every hour of work, can buy less in goods). But other than that, it is neutral between different goods: everyone still spends their budget in the same proportion as they would do in the no-tax world. And everyone saves the same fraction of their budget as they would in the no-tax world.

Now consider a world with an income tax. In that world you pay tax not only on the fraction of your income you consume, but also on that fraction you save. Since this both reduces the principal upon which you earn interest, and the interest itself, directly, this makes future consumption more expensive, and saving (which provides the funds for investment) less attractive. In this world, not only do people do fewer hours and produce less output because consumption is more expensive, work is less well paid, and leisure is cheaper, but people also invest less, reducing future living standards.[3] According to plausible estimates from Nobelist economist Bob Lucas, the gains of scrapping all taxes on capital could be greater than those of eliminating the business cycle.[4]

Generally, economists have concluded that tax systems are best when they rely more heavily on consumption taxes, and rely less on taxes that fall on capital or transactions.[5] Great efficiencies could be obtained within the UK system without reducing revenues, including:
 
  • Broadening the base of VAT to eliminate all exemptions and rate reductions—it would bring in £30bn, which could be used to eliminate less efficient levies, and compensate those who’d lose out (VAT is mildly regressive when considered within one year, and mildly progressive over the lifecycle)
  • Scrapping stamp duty both on housing and on shares—the former reduces the efficiency of the housing market hugely, and makes housing shortages much costlier, since people are much more reluctant and less likely to move (as it costs so much more); the latter would raise the efficiency and information content of financial market prices, and make raising capital much cheaper (the tax ripples through the system, even though the rate is small in an absolute way)
  • Merging employer NICs, employee NICs, and income tax, raise the thresholds to the income tax level—all of these, whoever hands them over, fall on the worker, and raising the threshold will deliver incentive-boosting income gains to those who need it most; clarity and simplicity are both desirable in a tax system as well
  • Merge council tax and business rates, charge them at the same level, and charge them on unimproved land values—with modern econometric techniques, this is a technically trivial question; economically, there is no reason at all to subsidise one kind of land use, especially since the subsidy seems, in empirical work, to go to the landowner not the tenant (business or household)
 
[1] Hsieh, Chang-Tai, and Enrico Moretti. Why do cities matter? Local growth and aggregate growth. No. w21154. National Bureau of Economic Research, 2015.
[2] Smith, Nicholas Boys, and Alex Morton. Create Streets: Not just multi-storey estates. 2013.
[3] Feldstein, Martin. The effect of taxes on efficiency and growth. No. w12201. National Bureau of Economic Research, 2006.
[4] Lucas, Robert E. "Supply-side economics: An analytical review." Oxford economic papers 42, no. 2 (1990): 293-316.
[5] Mankiw, N. Gregory, Matthew Weinzierl, and Danny Yagan. Optimal taxation in theory and practice. No. w15071. National Bureau of Economic Research, 2009. Harvard
Background material on China's struggle to evolve - there is a video if you follow the link:


http://www.bbc.co.uk/news/business-35873886


China's challenges: A bumpy road ahead


"Slow growth equals stagnation," China's past leader Deng Xiaoping is quoted as saying. "If our economy stagnates or develops only slowly, the people will make comparisons and ask why."
That statement was remarkably prescient.


China's current economic problems are almost certainly at the top of its leaders minds as they gather in Boao this week.


It is an annual meeting of the who's who in China's political and economic circles, and most years it has been an opportunity to take in the balmy Hainan breeze, an escape from the end of the brutal Beijing winter.


But this year there is a distinct chill in the air - if not in temperature, then certainly in the hallways of the hotel and the conference rooms.

Asia's Disney?

China's leaders are meeting against the backdrop of slower growth and the possibility of massive job losses.


Beijing says it can manage this transition, and that it is all part of the plan - moving as it is from Old China, to New China - from manufacturing, to services. But just how much of a price will China's workers pay?


I travelled to Southern China to find out and met one company that is the poster child of New China: Alpha Entertainment.


It is China's biggest kids entertainment firm, with a market cap of almost $5bn. It creates cartoon characters that are now household names in the country, and wants to be Asia's Disney.
It's not just cartoons that Alpha makes. The firm also has cafes, restaurants and is also planning to open a theme park.


As he showed me around his character based café, Alpha's President Cai Xiadong told me that he is trying to cater to China's new middle classes.


"We saw that America has Mickey Mouse, and that Japan has Ultraman," he said. " So I believe that China will also have its own brand ambassador for our people. To create that brand is our dream and that dream has pushed us forward to keep inventing and keep innovating."

Miracle

Alpha's animation offices in Guangzhou are ultra high tech and a brand new Silicon Valley type complex is underway.


But the firm had humble beginnings, on the factory floor.


That's where the three brothers who run Alpha Entertainment first made their fortune, mirroring China's economic miracle over the last few decades.


I travelled to Alpha's factory in Shantou, five hours outside of Guangzhou to see where it all started.
Dozens of young men and women in bright red jackets - Alpha's trademark uniform - file in to the factory in neat lines, shuffling to their desks. For eight hours a day they sit assembling coloured plastic parts in toys that are sold in China and the rest of the world.

Job loss challenge

This is how China got rich - selling stuff to the rest of the world. But this country is now going through a transition, from the factory floors to the offices. It is a painful transition but one the government says must take place in order for China to keep growing.


Mr Cai says he realised that if he didn't keep moving with the way China's economy was changing, his business would be left behind: "Today in China, we are seeing a structural reform in business.
"There are those who will see the opportunity to develop, but for those who can't adapt they'll have to shut down."
Cartoon characters
Yang Yang, or Pleasant Goat, are popular cartoon characters in China and belong to Alpha Entertainment
It's already happening - China's ailing state run firms are being pressured to close, which could lead to massive job losses.


But it's a challenge Beijing says it can manage.


At the recent party congress China's leaders said ten million new jobs would be created this year - despite slower economic growth. But some say this is far too optimistic a view.


"It's not going to be easy," Rob Subbaraman, Chief Economist at Nomura told me. "Like any developing economy China has to move out of the low end inefficient industries and higher up the value chain. In the labour intensive manufacturing sector there will be a lot of restructuring."
That's a fancy term for job losses, something that's likely to weigh on the minds of many workers in factories across the country.


Back on Alpha's factory floor, the young men and women finish their tasks, and start packing up. Another day, another shift ends.


Factory life has given millions of workers a shot at the Chinese dream.


As China makes this transition, some will adapt. But many more will struggle to find a place for themselves in the New China.

Updated charts on government spending

Infographic: Where do UK taxes go? | Statista


Infographic: How has UK government spending changed since 2010?  | Statista

Sunday, 13 March 2016

Global economy -evaluation material

All the US presidential candidates are decrying free trade. Looks like TPP will be obstructed, so what hope TTIP? Therefore, it could be argued we will be more successful negotiating limited specific agreements as opposed to coming under the umbrella of EU negotiated pacts:

American Account: We now know the election’s loser — free trade 

Irwin Stelzer Published: 13 March 2016
The former Packard factory in Detroit, Michigan. Hillary Clinton lost the Democratic primary in the state, where voters blame her husband for the destruction of its manufacturing sector (Leynse/Corbis)The former Packard factory in Detroit, Michigan. Hillary Clinton lost the Democratic primary in the state, where voters blame her husband for the destruction of its manufacturing sector (Leynse/Corbis)
One thing has changed in the battle for the presidential nominations. Until now, all eyes were on the Republican side, both because it became clear early on that Jeb Bush’s $100m war chest could not buy the nomination and because Donald Trump proved a master at garnering media attention. In the Democratic race, Hillary Clinton was considered a certain winner over socialist Bernie Sanders, making that contest a bore. Then came Sanders’s victory in Michigan, in the course of which free trade was consigned to the dustbin of history, a phrase with which Sanders, who honeymooned in Russia, is familiar but for obvious reasons chose not to deploy. 
According to some estimates, Michigan has lost about 150,000 manufacturing jobs because of the North American Free Trade Agreement (Nafta). Blame it on the then-president, Bill Clinton, who signed the trade pact into law in 1993. The auto industry was decimated not only by Mexico but by Japan, and misrule by Democratic liberals drove Detroit to bankruptcy. The city was once home to 1.8m people and the motor industry, the pride of the nation’s manufacturing sector. Then came competition from overseas. Jobs disappeared, the population fell to 700,000, and the average house price sank to about $6,000. 
But Michigan voters have not become socialists. The majority were simply unprepared to vote for anyone called Clinton, the name of the destroyer of the state’s manufacturing sector. Hillary’s husband brought ruin, and voters would not return him to the White House, even as First Man. No matter that she is opposed to President Barack Obama’s legacy-seeking Trans-Pacific Partnership (TPP) and last week, in a debate with Sanders, burnished her shiny new protectionist credentials in preparation for Tuesday’s primaries in Illinois and Ohio, where free trade is unpopular. The rust may be coming off the Rust Belt as the jobs picture brightens, but the memory of the suffering lingers. 
Cut through the smoke from the gunfire of the candidates’ debates, and we see much of a muchness.
• All candidates are to varying degrees protectionist, and so is a majority of Congress. Trump would do unspecified bad things to companies taking jobs overseas and build tariff barriers higher than his wall with Mexico to disadvantage currency manipulators. Clinton would charge companies that move their headquarters to lower-tax jurisdictions an “exit fee” geared to the amount of tax relief they received while resident in America. TPP RIP.
• All candidates are to varying degrees hostile to the financial community, with Sanders calling for a break-up of the big banks and jail time for malefactors of great wealth, as well as a tax on financial transactions to fund his education plan. Trump is hostile to hedge fund managers and their special tax treatment, while Clinton, more sensible on this as on many other issues, is calling for reforms that include placing insurance-style burdens on banks proportionate to their threat to the stability of the international financial system.
• All candidates are to some extent dissatisfied with the healthcare system, with all Republicans calling for repeal and replacement of Obamacare, Sanders wanting to convert it into an NHS-style system, and Clinton looking to repair what she believes are its flaws.
• All candidates want to ease the cost of higher education. Sanders would offer free tuition at public universities at an annual cost of $75bn. Clinton says: “No family and no student should have to borrow to pay tuition at a public college or university. And everyone who has student debt should be able to finance it at lower rates.” Trump says student loans are “one of the only things the government shouldn’t make money off — it’s terrible that one of the only profit centres we have is student loans”. Details to follow — maybe.
There are two important differences among the candidates. First, Clinton is calling for a de facto ban on fracking and for the nation to convert to 100% renewables to fight global warming, while Republicans promise to remove regulations on the fossil-fuel industries and end efforts to prevent climate change, which they deny is occurring. That may be a hard sell in Tuesday’s primary in often-flooded Florida.
Second, all Republicans propose lowering the tax burden on wealthier Americans, the theory being that this cut will stimulate sufficient growth and generate tax revenues to pay for itself while creating millions of jobs. Ted Cruz is the most radical reformer: he would have a 10% flat income tax rate and substitute a 16% VAT-style tax for all corporate taxes. Sanders and Clinton would increase the burden on the wealthiest to finance infrastructure improvements and a variety of benefits for low and middle earners. No one talks very much about the national debt, now at $19 trillion and rising. 
And none of the candidates sees fit to remind voters of the wisdom of our Founding Fathers, who erected a system of checks and balances that will require them to persuade Congress to make an honest man or woman of them by enabling them to deliver on their promises. What comes out of the legislative sausage factory may be far different from what went in. 
We will, of course, know more on Tuesday, when more than 350 delegate votes are up for grabs, most of them in winner-takes-all states such as Florida and Ohio. Then the fun heads north, to regions less favourable to Cruz, and to states in which Trump’s typical 40% share of the vote earns him 100% of the delegates. The so-called Republican establishment is hoping that Cruz and John Kasich can deny Trump a majority, allowing party regulars to cobble together support for some compromise candidate at the national convention in Cleveland in July. In which case the millions Trump has brought to the voting booths for the first time will storm out, sending the Clintons back to the White House. Unless, of course, Hillary’s misuse of emails results in an indictment, which is why some call this an “FBI primary”. 
Irwin Stelzer is a business adviser

Tuesday, 8 March 2016

Matt Ridley on innovation

Free trade in crisis?




Free Trade and the Crisis of the Exporters  Dec 21, 2015


Last week, the South Korean president called for the development of an economic contingency plan to brace for a possible crisis. There was much internal politics behind the announcement, but at the root, the South Koreans are worried. Their fundamental problem is that they are enormously efficient exporters—with exports totaling just over half of their GDP. A short while ago, this export efficiency would have been regarded as a testimony to their power. Now, it is a sign of danger. We have moved away from a world in which efficient exporters were to be envied. That is simply no longer the case. Exporters of industrial goods, commodities, and services are hostages to their customers. Their economic problems quickly become the exporters’ problems and can rapidly move from economic issues, to political and social instability. That is South Korea’s fear, but it is a fear that is now one of the drivers of the international system.

It has been a core assumption of economists that free trade is a primary path to economic well-being. The primary criticism of free trade has come from the viewpoint of countries that were inefficient exporters, whose comparative advantage was so minimal that it would rapidly be swamped internally by efficient exporters. The United States, Britain, Germany, Japan, and China all developed by protecting their markets from competitors. They saw free trade as threatening vulnerable industries. They loved having unfettered access to foreign markets. But they worried about providing unfettered access to their own markets.

We must always bear in mind that the classical economists did not speak of economics. They spoke of political economy, and the loss of the word “political” in the late 19th century is not one that Adam Smith, who wrote of the Wealth of Nations, would have approved of. The classical economists understood the true challenge of free trade: it is not that, in the long run, free trade doesn’t aid all nations, but rather, the long run could be very long in coming.

The comparative advantage between two trading partners could overwhelmingly favor one of the countries. The economic and political clocks run differently. Economic advantage can take many decades to show itself. The critical working lifespan of an individual is perhaps two decades. What he becomes between the ages of 20 and 40 determines who he is, and the loss of those years to the slow turning of the economic wheel inevitably creates political friction. This was well known to the classical economists and not always apparent to contemporary free trade advocates.

This lack of synchronicity between economic and political processes is a problem of the theory and one that has to be borne in mind. But, in 2008, a new phenomenon emerged that is now a major and seemingly accelerating force, joining the other more common consequences of free trade. This time, it is the beneficiaries of the comparative advantage who are at risk of political and social instability. To be more specific, both sides of the equation are now incurring some risk.

The vulnerability was always there, but it showed itself during the financial crisis of 2008—the kind of crisis that is a new stage and an inevitable part of the international economic system, meaning that this was an accident waiting to happen. The crisis hit the United States and Europe, causing a contraction of demand among the most intense consumers in the world. The decline in their consumption struck directly at China, this generation’s low-wage, high-growth economy. China’s economic growth depended heavily on exports and, as the growth rate declined, the government tried various schemes for increasing both exports and domestic consumption, avoiding social unrest through a policy of maintaining employment and political repression.

In international trade, interestingly, an understanding of what is happening can lag by several years behind what has already happened. There were articles on the Japanese economic miracle in the mid-1990s. Eventually, it became clear that China was not in a temporary downturn but a secular shift, and the prices of industrial minerals—built around irrational expectations of China’s economy—collapsed.

The lack of appetite for Chinese goods became an exporting crisis for China. That, in turn, created an exporting crisis for those who had been supplying China’s economic growth, including oil and other mineral exporters and, as we began, South Korea, where half of exports are destined for China. It is interesting to note how unsynchronized economic reality and economic perception are in the area of international trade. There is always a psychological resistance to accepting that a country like China has shifted its economic performance. China assumed that the United States and Europe would both recover and resume importing Chinese goods. Australia, the Persian Gulf, and South Korea assumed that China would resume prior levels of production. And now, the world is assuming that the tertiary effects—the collapse of oil prices and crises in secondary exporters like South Korea—can be managed. The geopolitical system, of which international economics is a subset, grinds slowly, but it grinds fine.

However, the grinding has not yet touched one of the major export addicts in the world—Germany. Germany is the world’s fourth largest economy, and it exports just under 50 percent of its GDP. That makes Germany by far the most dependent on exports of any of the world’s top ten economies. Germany has been a massive exporter since the late 19th century—with obvious pauses. As a fairly late entry into the industrial revolution, it has built its economy through high domestic savings rates and exports. After World War II, it recreated this model. That means that it accelerates this process by maintaining high domestic savings and relatively low consumption, building its industrial base, in particular, and becoming highly dependent on exports. Maintaining a strong position in Europe especially—where a high percent of its goods are purchased—is Germany’s leading national security problem, and one it has approached in various ways.

The current approach is the maintenance of the European free trade zone at any cost. Whatever the internal crisis, and whatever the German ferocity, expelling any member state from any European institution is a high-risk manoeuvre Germany can’t bear. Any devolution might lead to withdrawal from the free trade zone. Many European countries suffer from the first sort of economic imbalance, in which their political equilibrium is triggered by immature comparative advantages. The one response Germany can’t permit is massive modification of European free trade rules… rules that are likely unsustainable.

Therefore, Germany is both the most effective economy in Europe, and also the most insecure. Should there be a massive contraction of demand for its products, either due to economic or political causes, Germany has a massive vulnerability. Its prosperity and full employment depends on its export system, and it exports a full range of products— from high-tech goods to bolts. Its entire system depends on exports, and this exposes the country to export failure. The Germans are painfully aware of this risk, which is why they always back off from their threats on EU matters. But it should be noted that this level of export dependence in the fourth largest economy in the world is likely unsustainable in the current environment, which we expect will last for quite a while. Moreover, an increase in percentage of exports relative to GDP is hard to imagine. There is little upside in Germany given the global environment, and a great deal of downside. How it manages this—if what we think is likely to happen, actually happens—is one of the major geopolitical questions today.

Any exporting country is at this point an insecure country. The world appears to have entered a period of no, low, or modest growth, and the appetite for exports has become less than robust. Certainly, the possibility of growing economies through exports has become problematic. The effort to generate domestic demand is not easy, partly because that demand would inevitably cut into the country’s capital base by decreasing the rate of savings at the very least, or even decreasing the base in absolute terms through government stimulus. This is not an economic problem in itself by any means. It is a social, political, and cultural shift of the first order.

It is interesting to look at Japan, which used to be a major exporter and where exports are now about 16 percent of GDP. Attempts at stimulating domestic consumption have faced not only economic hurdles, but cultural ones. We do not believe Japan is heading for catastrophe, I should add. It is instead a model for a new normal—high debt held by the Japanese with high net worth on an international basis, where Japan accepts low growth in return for social stability. Look at Japan as a precursor state rather than as the nearly failed state observers have been calling it for almost a generation. At some point, the failure of expectations should lead to a shift in forecast.

From the broadest view, what we are seeing is enormous pressure on exporters of all sorts. This pressure on them is leading many to seek new markets, which is putting extreme pressure on many high import countries. Interestingly, even if these are also high export countries, the pressure on their base is in some cases already eroding their ability to sustain their export rate because of the extremely competitive environment. As a result of this process, the threat of social instability in the major exporters of both commodities and other goods is mounting. The South Koreans are openly stating this, but it is the social and political consequences of export decline in major economies that are the most serious. Consider China and Russia as examples of a major industrial exporter and a major mineral and commodity exporter. There is then the secondary effect on smaller countries that are already major importers having more products at lower prices offered to them. Her e too, the economic advantage is washed away by the social consequences.

It is interesting to look at the United States in all this, the producer of nearly a quarter of the world’s GDP. Its export rate is only 13.5 percent of GDP, of which about 40 percent goes to Canada and Mexico, its NAFTA partners. What differentiates the United States is both relatively high (if currently restrained) domestic consumption and relatively limited exposure to foreign dysfunctions. What is remarkable about the global system is that the United States, which should have a very high dependence on exports given its size, has a very limited one. We are seeing an intensified decoupling of the United States from exposure to the international system. It is this decoupling which is encouraging European, Chinese, and other capital flight. There is safety in not being exposed.

It comes down to this. Efficient exporters have one vulnerability—their customers. Since 2008, we have seen a systematic shift in patterns of consumption. Exporters have been hit hard, and consumers have seen minimal benefits because their own dysfunction has eroded the value of bargain sales. Emerging exporters have seen their markets contract. There is no obvious path out of this, but two patterns have developed.

One we have spoken of. As much as Eurasia—Europe and Asia—is in chaos, the United States is doing fairly well and is well insulated. The second pattern involves a set of entry-level countries, primarily in East Africa and some in the neglected parts of Asia, which are developing baseline production in products like garments and cell phone assembly that are in perpetual demand and are replicating the Chinese model. Please recall that no sane person would have invested in China in the 1970s, but that is what genuinely emerging markets look like. Thus, there are two engines. One is the United States, and the other is these emerging economies. International capitalism always has these periods of malaise, and they are always different. Think of the 1970s. These periods are solved by new patterns of production and trade. The patterns emerge from the top and the bottom: from the top of the food chain and the bottom. But also remember that the transformation can be painful… and not only economically.

We are clearly deep into the transition. The economic act has not run its course, but shown its hand by reversing the relationship between exporters and importers. We are now entering the period of social instability and conflict. Economics, politics, and war are simply different aspects of the same thing.

George Friedman
Editor, This Week in Geopolitics