{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","uuid":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","normalized_title":"黑箱社会控制金钱和信息的数据法则theblackboxsociety","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","isbns":["9787508655208"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":318,"navigation_url":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa","title_url":"https://workshop.closeclaw.top/ai/title/%E9%BB%91%E7%AE%B1%E7%A4%BE%E4%BC%9A%20%E6%8E%A7%E5%88%B6%E9%87%91%E9%92%B1%E5%92%8C%E4%BF%A1%E6%81%AF%E7%9A%84%E6%95%B0%E6%8D%AE%E6%B3%95%E5%88%99%EF%BC%9DTHE%20BLACK%20BOX%20SOCIETY","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/9c884da5-4c5c-4613-91be-2dad1863fbfa","page_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/page","search_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/search"},"page":{"printed_page":148,"pdf_page":167,"physical_index":167,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"3ca7bb10c1b0aea8e25b242a2104c94f1af0e80268c7d1e49898f4ac567fc46b"},"chapter":"第三章","content":"预警信号\n\n银行从存款人那里借款后再转借给其他人，这种简单的关系中包藏着风险。你在储蓄账户中的存款相当于借给收款银行的有效贷款。你获得的利息可能很低，但另一方面，你可以随时取出存款。银行不知道你什么时候决定取款，但它大概估计得到。假设你可以获得3%的利息并且肯定不会提前取款，银行就可以把这些款项以6%的年利率借出，这样就可以确保在没有风险的情况下每年获得3%的回报。正如那句老话，银行可以做3-6-3的业务：3%借入，6%借出，稳赚3%。\n\n但真正实现起来则不像规划起来那么容易。如果大批储户一时间扎堆取款，银行在入不敷出的情况下就会不堪重负。这种情况曾于20世纪30年代早期发生在数千家银行当中，它反映并加速了当时已经在美国严重恶化的经济危机。在不受监管的情况下，银行业注定不能保持长久稳定。\n\n大萧条之后，监管部门在存款机构(理应谨慎投资）和更具风险性的投资银行间建立了一道防火墙。联邦存款保险公司的成立可以为一般银行储户提供保护。投资银行的客户不能获得同等保护，但至少他们可以对机构的组织结构更加放心：如果银行倒闭，所有者（合作方）必须将资金状况上网公布。主要金融机构的规模已经缩小，监管机构可以更容易地监控和了解它的资产负债情况。\n\n黑箱社会The Black BoxSociety\n\n148","previous_page":147,"next_page":149}