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data-ssr="true">._featuredHeadingStyles_1n7vr_1{font-size:1rem!important;font-weight:600;line-height:1.375rem}._customLogoStyle_1n7vr_7{max-height:90px}._lgImageWrapper_1n7vr_11{max-height:100px}._customSearchBox_1n7vr_15 input{caret-color:#97999b!important}._customSearch_1n7vr_15{background-color:transparent}._mobilePosition_1n7vr_23{bottom:42px;right:5px}@supports (font:-apple-system-body) and (-webkit-appearance:none){._mobilePosition_1n7vr_23{bottom:40px}}._searchPosition_1n7vr_33{margin-top:-3.5rem}._customSearchBox_1n7vr_15{position:absolute;right:0;top:-5px;z-index:0}._customSearchBox_1n7vr_15 div input{background-color:#f7f8f9;width:300px}@media (min-width:768px) and (max-width:1023px){._customSearchBox_1n7vr_15 div input{width:320px}}@media (min-width:425px) and (max-width:767px){._customSearchBox_1n7vr_15 div input{width:400px}}@media (min-width:321px) and (max-width:424px){._customSearchBox_1n7vr_15 div input{width:350px}}@media (max-width:320px){._customSearchBox_1n7vr_15 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axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9"><h1 class="heading-6 axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9 axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8">The Rise and Fall of the Bretton Woods Fixed Exchange Rate System</h1></div></div><div class="margin-2-t margin-3-b position-relative hidden-sm-down axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX"><img id="headerImage" alt="Growth of gold on stock market concept. 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Learn when this fixed exchange rate system was created, how it evolved, its difficulties, and what led to its collapse.</p></div></div></div></div></div><div id="editorialBody" class="container pad-t-sm-down pad-0-l" data-bti-module-name="axp-forum-editorial-body"><div class="row"><div class=" axp-forum-editorial-body__editorial__postBodyPadding___2aORD pad-2-lr-sm-down col-xs-12 col-sm-12 col-md-12 "><div id="editorialPostContent" class="axp-forum-editorial-body__editorial__postContent___2LwVN axp-forum-editorial-body__blockquote__postContent___5SNSe editorialContent pad-3-b"><h2 class="display-none"></h2><h3 class="display-none"></h3><h4 class="display-none"></h4><h5 class="display-none"></h5><h6 class="display-none"></h6><ul class="display-none"></ul><ol class="display-none"></ol><p>Today’s international businesses grapple with a complex and volatile foreign exchange environment, as currency exchange rates constantly vary in response to sometimes tiny changes in global economic conditions. But it was not always so. The relatively short-lived “Bretton Woods” fixed exchange rate system once tied currency to the U.S. dollar and its value in gold. Here’s a look at what the Bretton Woods System is, how it was created, and what led to its eventual failure. </p> <h2><b>What is the Bretton Woods System?</b></h2> <p>The Bretton Woods system was an international exchange rate system established in 1944. It dictated that major international currencies would be “pegged” – or fixed – to the U.S. dollar, while the U.S. dollar would be convertible to gold at a fixed rate of $35 per ounce. The goal of this arrangement was to provide global monetary stability by linking currencies to gold indirectly through the U.S. dollar, but the system proved impossible to maintain and collapsed just 15 years after its introduction.</p> <h2><b>Bretton Woods’ Fixed Exchange Rate Aimed to Bring Stability to the Post-War World</b></h2> <p>In 1944, as World War II was drawing to a close, representatives of 44 countries met at Bretton Woods in the U.S.’s White Mountain National Forest in New Hampshire. Led by the British economist John Maynard Keynes and Harry Dexter White from the U.S. Treasury, they hammered out an agreement they hoped would form the basis of a new financial world order. The “Bretton Woods” system of internationally fixed exchange rates was born out of the conference, as was the International Monetary Fund (IMF) and the World Bank.</p> <p>In the Great Depression that preceded World War II, most countries had abandoned the gold standard. Few countries desired a return to the pre-war standard, but the group designed a system anchored to gold. Keynes’ idea was to create a world central bank that would issue a politically independent international settlement currency backed by gold – which he light-heartedly dubbed “bancor.” But Whitesaid that a politically independent currency would lack international credibility, and argued for the dollar to become the gold-backed currency anchoring the new system.</p> <p>White’s argument seemed practical: At that time, the Federal Reserve held approximately half of the world’s gold reserves, and the major powers of Europe and Japan were nearly destitute after what many consider the most destructive war in history. No one could imagine that the U.S. might run out of gold, or that European and Far Eastern countries might in future challenge the U.S.’s economic dominance.</p> <p>So, the new system was built around the U.S. dollar. The dollar’s value in gold was fixed at 1/35th of an ounce, or $35 per ounce of gold. The major currencies were to be fully convertible to dollars at a fixed exchange rate, though with fluctuation permitted within a <a href="https://www.federalreservehistory.org/essays/bretton-woods-created" target="_blank">1% band</a>. Countries participating in the scheme would settle their international obligations in dollars, but the U.S. would settle its own international obligations in gold.</p> <blockquote>"When a country’s international obligations must be settled in a foreign currency, running persistent balance of payment deficits creates a risk of insolvency. Under the Bretton Woods system, therefore, it was possible for a country literally to run out of money if gold reserves were depleted."</blockquote> <h2><b>But an International System of Fixed Exchange Rates Was Difficult to Establish</b></h2> <p>When a country’s international obligations must be settled in a foreign currency, running persistent balance of payment deficits can create a risk of insolvency. Under the Bretton Woods system, therefore, it was possible for a country literally to run out of money if gold reserves were depleted.</p> <p>It quickly became apparent that fixed-dollar exchange rates and narrow fluctuation bands were unsuitable for war-torn Europe. The war had destroyed much of the productive capacity of the European powers and their colonies, leaving them dependent on imports from the U.S. Making their currencies convertible to dollars at a fixed exchange rate rendered them desperately short of dollars. In 1947, Washington, concerned that European countries might resort to protectionism, devised the <a href="https://www.jstor.org/stable/2597288?seq=6%23page_scan_tab_contents" target="_blank" title="Marshall plan">Marshall plan</a> to provide aid to the devastated European economies.</p> <p>The U.K. – at that time the second-most important global financial power after the U.S. – initially maintained the pound-dollar exchange rate at $4.03 (where it had been since 1940), but with strict exchange controls to prevent other European powers from relieving their own dollar shortages by converting sterling reserves to dollars. In 1947, under pressure from the U.S., it removed exchange controls, allowing overseas holders of pounds to convert them to dollars. After only six weeks, the U.K. reimposed exchange controls to protect what remained of its dollar and gold reserves.</p> <p>Thereafter, maintaining adequate reserves became a preoccupation of successive U.K. governments.</p> <p>The pound was eventually <a href="https://www.theguardian.com/century/1940-1949/Story/0,,105127,00.html" target="_blank">devalued by 30%</a> in 1949. But the Bretton Woods system did not become fully operational until 1958, when fourteen countries made their currencies convertible to the dollar at fixed exchange rates.</p> <h2><b>The Bretton Woods System Proved Impossible to Maintain</b></h2> <p>As Europe and Japan recovered from the war, international demand for dollars soared, putting pressure on the U.S. balance of payments. In 1960, the <a href="https://www.imf.org/external/np/exr/center/mm/eng/mm_sc_03.htm" target="_blank" title="economist Frederic Triffin warned">economist Frederic Triffin warned</a> that international demand for dollars would mean either the U.S. losing all its gold, or severe deflation in the rest of the world. The accuracy of his prediction quickly became apparent. Kersi Doodha, writing in <a href="https://www.epw.in/journal/1961/9/special-articles/keynes-triffin-plan-international-liquidity.html" target="_blank" title="The Economic Weekly in March 1961">The Economic Weekly in March 1961</a>, observed:</p> <p>“Currently, the dollar is under severe international economic pressure. Countries holding a large stock of dollars as currency reserves are gradually converting them into gold.”</p> <p>“Consequently, the United States balance of payments reflects a steady flow of gold out of the country. The gold stock has declined to very near the ‘safe limit’ of $17 billions. Even in the London Gold Market which supplies practically 80% of the world's total requirements, the price of gold has for some time now shown a consistent premium over the officially fixed dollar/gold parity of 8.15.00 per ounce of fine gold.”</p> <p>Over the next few years, the U.S., U.K. and European countries cooperated to maintain international dollar liquidity while limiting gold outflows from the U.S. But by 1967, foreign claims on gold <a href="https://www.nber.org/books-and-chapters/retrospective-bretton-woods-system-lessons-international-monetary-reform/collapse-bretton-woods-fixed-exchange-rate-system" target="_blank">exceeded the U.S.’s gold reserves</a>. In response, the U.S. resorted to capital controls, creating an international dollar shortage. The U.K., already struggling to maintain its dollar exchange rate due to persistent FX crises, and having several times received <a href="https://www.cambridge.org/core/journals/contemporary-european-history/article/abs/negotiating-credibility-britain-and-the-international-monetary-fund-19561976/0A60374AF054133EBB659AC5450A971A" target="_blank" title="short-term assistance">short-term assistance</a> from the IMF, devalued the pound in <a href="http://news.bbc.co.uk/onthisday/hi/dates/stories/november/19/newsid_3208000/3208396.stm" target="_blank" title="November 1967">November 1967</a>.</p> <p>By the end of March 1968, U.S. gold reserves had <a href="https://www.nber.org/books-and-chapters/retrospective-bretton-woods-system-lessons-international-monetary-reform/collapse-bretton-woods-fixed-exchange-rate-system" target="_blank">fallen to $10.7 billion</a>. To ward off a foreign exchange crisis, the U.S. restricted gold sales to central banks only, at the official price: all private sector gold purchases were thereafter made through the London Gold Pool at a higher (market) price. But the outflows continued, culminating in a speculative run on the London Gold Pool in November 1968 in which central banks participated. The following year, Germany and France devalued their currencies, putting further pressure on the U.S.’s gold reserves. In May 1971, following sustained speculative attacks, Germany and the Netherlands floated their currencies, effectively leaving the Bretton Woods System.</p> <p>The end came in August 1971, when <a href="https://www.presidency.ucsb.edu/documents/address-the-nation-outlining-new-economic-policy-the-challenge-peace" target="_blank" title="President Nixon">President Nixon</a> unilaterally suspended the dollar’s convertibility to gold and introduced a 10% import tax to compensate American businesses for “unfair exchange rates.” In December 1971, a meeting of the world’s leading monetary authorities at the <a href="https://www.federalreservehistory.org/essays/smithsonian-agreement" target="_blank" title="Smithsonian Institution">Smithsonian Institution</a> in Washington, DC, agreed to reset the Bretton Woods system: the U.S. would devalue versus gold, and other countries would revalue versus the dollar, creating an effective dollar devaluation of about 10.7%. </p> <p>But relief was short-lived. During 1972, repeated speculative attacks pushed European currencies to the top of their new, wider fluctuation bands, and both the gold price and inflation soared. In March 1973, the U.S. government devalued the dollar by a further 10%, fueling inflation still further: but speculators continued their attacks, forcing governments to abandon their currency exchange rate pegs to the dollar. Within a month, nearly all currencies were floating. The Bretton Woods experiment with internationally fixed exchange rates had failed.</p> <h2><b>The Bottom Line</b></h2> <p>The Bretton Woods international fixed exchange rate system was short-lived, lasting only 15 years from its effective start in 1958 to its abandonment in 1973. But it took much longer for the world’s major monetary authorities to complete the transition to today’s system of mainly floating exchange rates and <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/7-ways-small-businesses-owners-can-cope-with-inflation/" title="inflation">inflation</a> targeting. </p> <p><i>A version of this article was originally published June 21, 2019.</i></p> <p><i>Photo: Getty Images</i></p></div></div></div></div><p id="publishedDate" class="pad-2-t-md-down pad-0-b margin-1-b axp-forum-editorial-container__EditorialContainer__simpleText___3k46m"><b>Published: </b><span>December 14, 2023</span></p><div class="container"><div class="col-xs-12 col-sm-12 col-md-8 col-md-offset-2 margin-2-t text-align-right undefined axp-forum-editorial-container__EditorialContainer__removeOffset___3nG6_"><div class="axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql " data-bti-module-name="axp-forum-social-share-tools"><div 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more.","address":{"@type":"PostalAddress","addressRegion":"NY","postalCode":"10285","streetAddress":"200 Vesey St, New York"},"contactPoint":[{"name":"American Express","@type":"ContactPoint","telephone":"+1 212-640-2000","contactType":"Customer support","contactOption":"TollFree","areaServed":"United States of America"}],"sameAs":["https://www.facebook.com/AmericanExpressBusiness","https://twitter.com/amexbusiness","https://www.instagram.com/americanexpressbusiness","https://www.linkedin.com/company/american-express-business"]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"trends_and_insights","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/"},{"@type":"ListItem","position":2,"name":"Managing Money","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/managing-money/"},{"@type":"ListItem","position":3,"name":"Cash Flow","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/cash-flow/"}]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"WPHeader","headline":"The Rise and Fall of the Bretton Woods Fixed Exchange Rate System","description":"<p>What is the Bretton Woods System? Learn when this fixed exchange rate system was created, how it evolved, its difficulties, and what led to its collapse.</p>"}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.americanexpress.com/en-us/business/trends-and-insights/articles/the-rise-and-fall-of-the-bretton-woods-fixed-exchange-rate-system/"},"headline":"The Rise and Fall of the Bretton Woods Fixed Exchange Rate System","articleSection":["Managing Money","Cash Flow"],"description":"What is the Bretton Woods System? Learn when this fixed exchange rate system was created, how it evolved, its difficulties, and what led to its collapse.","image":{"@type":"ImageObject","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2023/12/Bretton.Woods.Fixed.Exchange.Rate_header.jpg"},"datePublished":"2023-12-14T09:38:02-05:00","dateModified":"2023-12-13T11:43:22-05:00","keywords":[],"author":{"@type":"Person","name":"Frances Coppola"},"publisher":{"@type":"Organization","name":"American Express","logo":{"@type":"ImageObject ","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_BlueBoxLogo.jpg"}},"articleBody":"Today’s international businesses grapple with a complex and volatile foreign exchange environment, as currency exchange rates constantly vary in response to sometimes tiny changes in global economic conditions. But it was not always so. The relatively short-lived “Bretton Woods” fixed exchange rate system once tied currency to the U.S. dollar and its value in gold. Here’s a look at what the Bretton Woods System is, how it was created, and what led to its eventual failure. \nWhat is the Bretton Woods System?\nThe Bretton Woods system was an international exchange rate system established in 1944. It dictated that major international currencies would be “pegged” – or fixed – to the U.S. dollar, while the U.S. dollar would be convertible to gold at a fixed rate of $35 per ounce. The goal of this arrangement was to provide global monetary stability by linking currencies to gold indirectly through the U.S. dollar, but the system proved impossible to maintain and collapsed just 15 years after its introduction.\nBretton Woods’ Fixed Exchange Rate Aimed to Bring Stability to the Post-War World\nIn 1944, as World War II was drawing to a close, representatives of 44 countries met at Bretton Woods in the U.S.’s White Mountain National Forest in New Hampshire. Led by the British economist John Maynard Keynes and Harry Dexter White from the U.S. Treasury, they hammered out an agreement they hoped would form the basis of a new financial world order. The “Bretton Woods” system of internationally fixed exchange rates was born out of the conference, as was the International Monetary Fund (IMF) and the World Bank.\nIn the Great Depression that preceded World War II, most countries had abandoned the gold standard. Few countries desired a return to the pre-war standard, but the group designed a system anchored to gold. Keynes’ idea was to create a world central bank that would issue a politically independent international settlement currency backed by gold – which he light-heartedly dubbed “bancor.” But Whitesaid that a politically independent currency would lack international credibility, and argued for the dollar to become the gold-backed currency anchoring the new system.\nWhite’s argument seemed practical: At that time, the Federal Reserve held approximately half of the world’s gold reserves, and the major powers of Europe and Japan were nearly destitute after what many consider the most destructive war in history. No one could imagine that the U.S. might run out of gold, or that European and Far Eastern countries might in future challenge the U.S.’s economic dominance.\nSo, the new system was built around the U.S. dollar. The dollar’s value in gold was fixed at 1/35th of an ounce, or $35 per ounce of gold. The major currencies were to be fully convertible to dollars at a fixed exchange rate, though with fluctuation permitted within a 1% band. Countries participating in the scheme would settle their international obligations in dollars, but the U.S. would settle its own international obligations in gold.\n\"When a country’s international obligations must be settled in a foreign currency, running persistent balance of payment deficits creates a risk of insolvency. Under the Bretton Woods system, therefore, it was possible for a country literally to run out of money if gold reserves were depleted.\"\nBut an International System of Fixed Exchange Rates Was Difficult to Establish\nWhen a country’s international obligations must be settled in a foreign currency, running persistent balance of payment deficits can create a risk of insolvency. Under the Bretton Woods system, therefore, it was possible for a country literally to run out of money if gold reserves were depleted.\nIt quickly became apparent that fixed-dollar exchange rates and narrow fluctuation bands were unsuitable for war-torn Europe. The war had destroyed much of the productive capacity of the European powers and their colonies, leaving them dependent on imports from the U.S. Making their currencies convertible to dollars at a fixed exchange rate rendered them desperately short of dollars. In 1947, Washington, concerned that European countries might resort to protectionism, devised the Marshall plan to provide aid to the devastated European economies.\nThe U.K. – at that time the second-most important global financial power after the U.S. – initially maintained the pound-dollar exchange rate at $4.03 (where it had been since 1940), but with strict exchange controls to prevent other European powers from relieving their own dollar shortages by converting sterling reserves to dollars. In 1947, under pressure from the U.S., it removed exchange controls, allowing overseas holders of pounds to convert them to dollars. After only six weeks, the U.K. reimposed exchange controls to protect what remained of its dollar and gold reserves.\nThereafter, maintaining adequate reserves became a preoccupation of successive U.K. governments.\nThe pound was eventually devalued by 30% in 1949. But the Bretton Woods system did not become fully operational until 1958, when fourteen countries made their currencies convertible to the dollar at fixed exchange rates.\nThe Bretton Woods System Proved Impossible to Maintain\nAs Europe and Japan recovered from the war, international demand for dollars soared, putting pressure on the U.S. balance of payments. In 1960, the economist Frederic Triffin warned that international demand for dollars would mean either the U.S. losing all its gold, or severe deflation in the rest of the world. The accuracy of his prediction quickly became apparent. Kersi Doodha, writing in The Economic Weekly in March 1961, observed:\n“Currently, the dollar is under severe international economic pressure. Countries holding a large stock of dollars as currency reserves are gradually converting them into gold.”\n“Consequently, the United States balance of payments reflects a steady flow of gold out of the country. The gold stock has declined to very near the ‘safe limit’ of $17 billions. Even in the London Gold Market which supplies practically 80% of the world's total requirements, the price of gold has for some time now shown a consistent premium over the officially fixed dollar/gold parity of 8.15.00 per ounce of fine gold.”\nOver the next few years, the U.S., U.K. and European countries cooperated to maintain international dollar liquidity while limiting gold outflows from the U.S. But by 1967, foreign claims on gold exceeded the U.S.’s gold reserves. In response, the U.S. resorted to capital controls, creating an international dollar shortage. The U.K., already struggling to maintain its dollar exchange rate due to persistent FX crises, and having several times received short-term assistance from the IMF, devalued the pound in November 1967.\nBy the end of March 1968, U.S. gold reserves had fallen to $10.7 billion. To ward off a foreign exchange crisis, the U.S. restricted gold sales to central banks only, at the official price: all private sector gold purchases were thereafter made through the London Gold Pool at a higher (market) price. But the outflows continued, culminating in a speculative run on the London Gold Pool in November 1968 in which central banks participated. The following year, Germany and France devalued their currencies, putting further pressure on the U.S.’s gold reserves. In May 1971, following sustained speculative attacks, Germany and the Netherlands floated their currencies, effectively leaving the Bretton Woods System.\nThe end came in August 1971, when President Nixon unilaterally suspended the dollar’s convertibility to gold and introduced a 10% import tax to compensate American businesses for “unfair exchange rates.” In December 1971, a meeting of the world’s leading monetary authorities at the Smithsonian Institution in Washington, DC, agreed to reset the Bretton Woods system: the U.S. would devalue versus gold, and other countries would revalue versus the dollar, creating an effective dollar devaluation of about 10.7%. \nBut relief was short-lived. During 1972, repeated speculative attacks pushed European currencies to the top of their new, wider fluctuation bands, and both the gold price and inflation soared. In March 1973, the U.S. government devalued the dollar by a further 10%, fueling inflation still further: but speculators continued their attacks, forcing governments to abandon their currency exchange rate pegs to the dollar. Within a month, nearly all currencies were floating. The Bretton Woods experiment with internationally fixed exchange rates had failed.\nThe Bottom Line\nThe Bretton Woods international fixed exchange rate system was short-lived, lasting only 15 years from its effective start in 1958 to its abandonment in 1973. But it took much longer for the world’s major monetary authorities to complete the transition to today’s system of mainly floating exchange rates and inflation targeting. \nA version of this article was originally published June 21, 2019.\nPhoto: Getty Images"}</script> <script type="text/javascript" nonce="a16a4fbcc42c7f2d74ac987322ed6cf3" src="/ovgm/QNJF/S58jE/IWbaA/Eb7pQfDwbtVbku/CWFtAQ/C3B3SQtD/eSE"></script></body> </html>