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Monday, February 27, 2012

Forced or Voluntary Default for Greece

(Wrote this article for an event... posting it here...)


Rising debts and a loss of competitiveness are the main challenges facing Greece Economy. Presently, it does not have any options which can be proved to be good for all.
Problems of Greece increased with the adoption of Euro. In February 1992, European leaders signed the Maastricht Treaty, laying the foundation for monetary union and adoption of the euro. Greece qualified in 2000 and was admitted on 1 January 2001. Prior to the adoption of euro, Annual inflation in Greece was one of the highest in the region and GDP growth was the slowest in Europe.

Adoption of the Euro led to a drop in inflation from an average of 18 percent from 1980–1995 to just above 3 percent from 2000–2007. After averaging annual GDP growth of 1.1 percent from 1980 through 1997, Greece’s economy expanded at an average rate of 4.1 percent over the next ten years, the fourth fastest rate in the Euro area. Per capita GDP rose from 39 percent of that of Germany in 1995 to 71 percent in 2008. It quickly became an attractive destination for foreign capital.

But, this fuelled the domestic demand. Domestic demand growth drove up prices in Greece increasing domestic labor costs and eroding Greek competitiveness. If we have a look at numbers, since 1997, consumer prices have risen by 47 percent and since 2000, per capita employee compensation has grown by over 80 percent. Competitiveness was hurt further by a shift away from manufacturing sectors in favor of the expansion of service and non-tradable sectors. Increase in Revenues increased government spending especially in social transfers and public sector wages.

Reflecting the economy’s rapid growth, public sector deficits averaged 5 percent of GDP from 2000 to 2007. The scenario changed markedly with the financial crisis and when markets realized Greece’s chronic failure to report accurate statistics. GDP expanded by only 2 percent in 2008 and contracted by 2 percent in 2009, pushing down tax revenues and driving up the restated deficit to 7.7 percent in 2008 and 13.6 in 2009. 

With debt levels rising and the IMF projecting it to reach nearly 150 percent by 2012, borrowing costs of Greece skyrocketed. Attempts are being made by EU and IMF to restore the economy of Greece and other EU nations(PIIGS)

Bailing out Greece

There are different views and solutions to restore the economy of Greece and other EU nations in danger. There are three different viable options possible in the existing situation
1.      Greece voluntarily leaving Eurozone
2.      Other EU nations forcing the Greece out of the EMU
3.      Greece undergoing a massive debt restructuring plan and with the aid of IMF and other EU nations, it stabilizes itself
Let us analyze each of these cases in detail in order to understand the best possible option available for Greece. 


 Voluntary Default :-

Default of Greece would mean breaking away from Euro. Presently, there is no provision in Maastricht Treaty for a country to exit the Euro. Neither is there a provision to expel a country from Euro. This is an irrevocable aspect of the union and any mistake in the membership is permanent. Founders of Euro chose not to include the opting out mechanism because of different reasons like existence of opt out mechanism would have been seen as a lack of commitment from member states, it would have raised the possibility of a country exiting and this would have completely shattered their goal of a common currency. This clause was put under scrutiny and the Lisbon treaty makes explicit reference to a withdrawal option for EU member.

According to this treaty, the withdrawal should come from the individual member state’s initiative and willingness but this does not provide the information about what should the actual mechanism be for exiting from the EU. This treaty says nothing about leaving EMU.

The only way for a country to leave EMU is to negotiate with the member nations and exercise it’s newly granted right. Rationally, an economy would choose to leave monetary union if the costs of staying in exceed the costs of departure.

Now, if Greece decides to leave Euro, it will have to choose a new currency for itself. In this case, the sovereign debt which it has raised over the years will be in foreign currency and the only way for Greece to earn Euros and repay the debt would be by doing trade, which is likely to be significantly disrupted and so default on the Euro denominated national debt is almost certain.

Default on sovereign debt would generate lasting economic costs as the long term cost of capital for the government would increase. In addition to the sovereign default, because of high cost of capital, there is also likely to be a corporate default. With the government changing the currency of the country, it will force the change on the corporate sector, they will have to suffer problems in meeting their obligations with the new and “devalued” currency. Also, once the Greece decides to exit from the Eurozone, it is very much likely that the entire banking system may collapse. Anyone with savings in euros in bank will take them out in the fear of getting devalued new currency in place of euros. People will hold on to their euros as long as possible. No one will spend money more than what is required and in this case, a complete collapse of the banking system is inevitable. In the event of these issues, Greece may not opt out of the Euro unless it is forced to do so.

Forced Default

Legal Provisions do not provide any right to the member nations to expel any country from the European union. However, EU nations can force Greece out of the Union by not extending their support to Greece. Expelling a Member state would need an amendment of the existing treaties and which would take away a large time in negotiating with all the member states.

Present economic conditions give us hints that Germany is trying to play a game with Greece and trying to force it out of the Union while not accepting it officially. Recent attempt to delay the bailout plan worth 130bn euros by proposing that they want Greeks to agree to another 325m euros in cuts, setting a budget deficit target of 7.5% of GDP in 2011, when it actually missed the 9.6% target of 2010, give us clear cut hints in this direction. It’s an attempt to put more pressure on Greeks in order to make them walk out of the Union Voluntarily.

The other issue with the forced default is that other EU Nations in danger may also be forced to leave the Union. Without control over interest rates, EU nations are limited in their ability to deal with bubbles. And as a result, a complete collapse of Euro can occur. In addition, Forced default will also have the issues listed under voluntary default.

But the benefit with the default is that the devalued currency might encourage capital into the economy, will also stop the austerity measures, and Greece can start with the growth process and the so called austerity amount can be used to bail out “Bailable” countries instead of Greece which is almost certain to default sometime in future.

Debt restructuring and Austerity measures

If Greece has to survive without defaulting, then EU Nations and IMF will have to lend their massive support to Greece. Present Fiscal policy adjustments aim to begin reducing the debt-to-GDP ratio by 2013 and bring the government deficit below 3 percent of GDP by 2014. The total adjustment, 11 percent of GDP, is composed of reductions in spending of 5.3 percent of GDP, tax increases of 4 percent, and structural reforms that are expected to add 1.8 percent of GDP. However these cuts will accentuate the deep recession in the private sector and result in wage and price deflation, which in turn will take a major toll on output growth and on tax revenues and may further decrease the competitiveness of Greece and the growth may be stagnated for years.

Conclusion

Whatever Option Greece may choose to opt, the scale of effects is going to be huge. However, if we consider the cases of Argentina(2002) and Latvia(2008), Argentina was forced to devalue Peso and Latvia adjusted itself with the help of the massive support and the economists estimated that the total cost of default and the output losses was lower in devaluation and default, the primary reason for which was the fact that Argentina started on the growth process sooner instead of waiting for the austerity measures and imposing huge cuts thereby contributing to the decline or stagnation of the economy. Though we cannot compare Argentina with Greece, However, these cases suggest that it is better for Greece to default and since, most probably, Greece would not go on Voluntary default, a Forced default, in a matter of time, is most likely to happen.

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