{"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":271,"pdf_page":290,"physical_index":290,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"73fdf53afbda607d1fed4dbdba0bbc2addf19021116e214db6b1b64ad0f1aa64"},"chapter":"第三章","content":"有人会说，这是因为银行家们在用自己的钱进行风险投资。但是，如果他们只是通过黑箱技术用别人的钱来冒险呢？他们还能够像自我标榜的那样被称为无畏的船长吗？就像学校中的“成绩通胀”一样，这种巨额收益产生了一种膨胀化的经济预期；当一个外科医生的金融界朋友赚得盆满钵满时，医疗改革者还怎么说服他接受较低的工资待遇呢？银行家的丰厚奖金扰乱并颠覆了我们的价值观。\n\n银行收取了大量的服务费用。信用卡逾期付费需要缴纳滞纳金；每笔交易都会扣除手续费。401(k)退休项目基金被神秘蚕食，你通过经纪人买入或卖出都要支付交易费用。不受管束的频密交易是金融专家的主要收入来源。然而，这些专业人士在这个过程中到底创造了多少真正的价值?\n\n很显然，他们没有创造多少真正的价值。以离我们最近的2008年经济危机为例，金融领域的中介机构利用快速获得的“评分”使中产阶级的投资都化成了泡影。前投资银行家华莱士·特贝维尔(WallaceTurbeville)估计，美国“每年转移到金融业的过剩财富约为6350亿美元”。新经济基金会的一项研究表明，伦敦的主要银行家们“每产生1英镑的价值就会破坏7英镑的社会价值”。考夫曼基金会的结论是，“不断扩张的金融业正在浪费人才，很多有才干的人本可以成为高成长性公司的创始人”。如果一个人可以作为金融家进行交易投资，冒更小的风险，却能获得更高的收益，那么谁还会费神费力地去开发新的产品或服务呢？\n\n第六章可被了解的社会\n\n271","previous_page":270,"next_page":272}