{"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":170,"pdf_page":189,"physical_index":189,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"85b0bd60972101579383cc7b3d16e20f5158e27efe28dab8d6c25099373728f1"},"chapter":"第三章","content":"建立纸质记录系统可以在抵押贷款证券化的高速公路上设置一些路障。这样的高速公路除了让金融界的局内人加速投机规模外没有任何实际的意义。信息时代的内行早就嘲笑纸质备案太过“原始”，但至少这种形式可以权威地证明谁拥有什么。鉴于金融危机之后数万亿美元的经济损失，纸质备案仅是抵押贷款证券化的一个小小的代价。\n\n执法部门确实已经注意到了银行的违规行为，但它们的行动依旧非常迟缓并且处罚力度不足。集中于“丧失抵押品赎回权欺诈事件”期间的调查行为仅相当于在所涉企业的手腕上拍了一下而已。虽然最终判决银行支付250亿美元，但它们可以通过很多方式“付款”(包括针对无法偿还贷款情况的“本金减免计划”)，专家估计其实际支付的数额要少得多。更加恶劣的是，许多州将这笔款项用于填补预算缺口，而不是帮助那些在丧失抵押品赎回权操作中受到不公平对待的家庭。\n\n谎言与伦敦银行同业拆借利率\n\n金融危机表明，大银行隐瞒了很多事情：不良数据、不良模型、复杂的企业结构和造假的保险。危机期间的紧张事件暴露了金融信誉评估基础的诸多漏洞。例如，评估银行运营状况的一个依据是看其每日上报给英国银行家协会的预计借贷成本(隔夜贷款、整月贷款等)。英国银行家协会在报告提交后的一小时内公布利率。正如较高的信用卡利率可能表明用户陷入了财务困境一样，异常高的借贷成本可以说明一个银行的运营状况不佳。通过去除高低值后对剩余数值取平均数，英国银行家协会还设置了像伦敦银行同业拆借利率这样的基准。该利率曾经是(并且依然是）数百万亿美元金融工具与交易的基准。\n\n黑箱社会The Black BoxSociety\n\n170","previous_page":169,"next_page":171}