Interest Rates and the Hidden Cost of Globalization

Young readers may barely remember this, but only afor only 3 per cent of the world's population at the
short fifteen years ago or so the world looked much,time of its emergence as an economic force. What is
much differently. The political landscape consisted ofalso breathtaking is the speed of China's rise to
two powerful, monolithic assemblies of nations: us -economic prominence. In 1980, the Chinese economy
the 'Free World' - and them - the 'Communist Bloc'.produced less than 3 percent of global output. By
The United States and Western Europe formed the2003 this share had risen to more than 13 per cent,
bulk of the countries of the Free World while Sovietroughly half that of the United States. In fact, China
Russia, Eastern Europe and Maoist China formed theis now the fourth-largest exporter in the world,
bulk of the Communist Bloc. As to the remainder ofhaving surpassed Canada in 2001 and the United
the countries which did not belong either to the FreeKingdom and France in 2002. As for India, while its
World nor to the Communist Bloc, they wereeconomy is also very large, equivalent to about a
collectively referred to as the Third World - whichquarter of that of the United States, it is not yet a
included those nations such as Saudi Arabia whomajor global exporter. But, with advancements in
were aligned with the Free World on Mondays,communications and with a large number of
Wednesdays and Fridays and with the Communistwell-educated workers, India is establishing itself as a
Bloc on Tuesdays, Thursdays and Saturdays. Andsignificant and growing presence in the international
then there was the Fourth World - also known asservice industry.
the No Brand World - which neither the Free WorldNot surprisingly, many perceive the growing
nor the Communist Bloc wanted to touch with acompetition from China and India as a significant
ten-foot pole.threat. And some are wondering how anyone can
Then somebody in Russia began to whisper thecompete against countries that have such huge pools
words glasnost and perestroika (it was Gorbachevof cheap labor and access to the latest technologies.
who started first), then somebody in Germany beganIt was a combination of demand for inexpensive
to yell Vereinigtes Deutschland and to make a longproducts and domestic competition that has spurred
story short in the round of five years there was nocompanies to open subsidiaries to produce goods and
more Iron Curtain and no more Soviet Russia. It wasservices in China and India so as to take advantage
the remarkable end of an era of political attrition andof an almost inexhaustible pool of cheap human
economic division lasted more than fifty years, andresources. A process this, that has come to be
the onset of a new period in the history of humanityknown as 'outsourcing'. Outsourcing, from a strict
now referred to as globalization. Globalization iseconomic perspective, is not an entirely negative
unquestionably a democratic concept that puts allphenomenon. Robust economic growth in Asia, which
mankind on the same platform. In Economics weis lifting hundreds of millions of people out of poverty,
have a special sentence to describe this process ofis creating more demand for goods and services
equalization: we call it 'Democratization of Wealth' .from the industrialized countries, thus providing a
The distribution of wealth throughout all nationsmuch-needed boost to global economic growth.
would be a flawless concept - in a perfect world,Indeed, preliminary data for 2004 suggest that China
that is. But as the younger readers I was referring tomay have vaulted into third place among the world's
before may have began to discover already, Planetmost important importers, behind only the United
Earth is not a perfect world. There is a hidden costStates and Germany.
to globalization that is beginning to manifest itselfThis fact notwithstanding, however, the end result of
more and more in our daily lives. Increasing interesta supply of outputs created in China and India
rates which are now beginning to affect, first anddestined to quench the huge demand of the
foremost, the real estate market are possibly one ofpreeminently American consumerism has generated
the best examples of it. Not because real estate is alarge trade imbalances. The flip side of these
special market per se, but because real estateimbalances has been a sharp rise in the net foreign
involves the buy and sell of big-ticket items.liability position of the United States and a massive
Here is the problem: there are on the world stageaccumulation of foreign exchange reserves by the
new economic players, which by and all in itself is notAsian countries. China has amassed more than US
a new phenomenon. Since the early Nineteenth$450 billion of reserves. India too has seen a marked
century, many countries have, at different times,rise in international reserves, to roughly US $150 billion.
emerged as major forces on the internationalEven more striking, as of the end of 2004, all of Asia
economic scene. During the 1830s, productivity gains(including Japan) had accumulated US $2.1 trillion in
associated with the Industrial Revolution launched theforeign exchange reserves. Subtracting this quantity
United Kingdom as an economic powerhouse.of Dollars from the economic monetary cycles forces
Germany and the United States followed in the latterthe U.S. Government to borrow more and the
part of the Nineteenth century, by adopting the newFederal Reserve System to print and lend more
technology of the time, as did Russia for a whilemoney with the deleterious effect of diminishing the
before the First World War. Through the 1950s andpurchasing power by weakening the strength of the
1960s, Japan emerged from the Second World Warcurrency. Think of a glass of wine where you keep
to become a major economic power. Then Koreaon adding water. Higher international demand for
took off in the 1970s, followed by other so-calledAmerican Dollars created by outsourcing, foreign
"Asian tigers" during the 1980s and 1990s. Now, it issavings, fixed exchange rates and a huge trade
China's turn. And India is not far behind.imbalance account for a large proportion of the
What differentiates China and India from these otherrefueling of domestic inflation and the consequent
countries is their sheer size. Together, these twointerest rate increases, the effect of which is now
countries represent close to 40 percent of thepatently felt all over real estate markets in North
world's population. By comparison, Japan accountedAmerica.