{"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":179,"pdf_page":198,"physical_index":198,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"8494ecb22453c29931dcea336bd9ae6a909703e5bdc6dfc165f2d9139b0bea22"},"chapter":"第三章","content":"在危机发生后的第一个月，市场定价系统的失灵似乎唤醒了金融管制的效能。在20世纪90年代初的金融危机中，瑞典临时对银行做了国有化改制。美国选择了另外一条道路。国会基本上没有改变银行的商业模式。《多德-弗兰克法案》既冗长又烦琐，因为只有足够复杂的立法才可以满是漏洞而又不为人所见。它的实施机构非常零散，这使得该项法案更显复杂。\n\n人们要求对金融界实施整体性改革的概率不大。虽然这个部门并不可靠，但它的承诺却天花乱坠。美国中产阶级已经开始依靠金融产品，包括反向抵押贷款、401（k）退休计划和其他投资项目来提供稳定（也许非常微薄）的收入。即使普通选民没有直接在私人金融机构投资，他们仍然不会怀疑整个金融系统的公平与信誉，并将其看作是未来的希望。\n\n金融部门在做出金钱许诺时比政府的再分配、基础建设或基本研究等惯用借口更加动听。通过大肆宣传尖端科技或者万能灵药，金融部门可以无限提高收益的上限，这使得与调整生活费用挂钩的美国社会保险显得相形见绌。金融中介机构还告诉小投资者不必费心琢磨他们所投资的商业模式和未来前景。“不理解的话也没有必要担心，”经纪人可能会信誓旦旦地说，“我们会帮你运作其中的细枝末节。”\n\n第四章\n\n金融算法:皇帝的新代码\n\n179","previous_page":178,"next_page":180}