银行家的新衣
The bankers' new clothes
Anat R. Admati · 初版 2013 年
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当今的银行体系究竟出了什么问题？过去几年的事实表明，银行业的风险会给经济带来巨大的代价。然而许多人坚称，建立一个更安全的银行体系必须以牺牲借贷和经济增长为代价。The Bankers' New Clothes 审视了这一主张，以及银行家、政客和监管者用来合理化缺乏改革现状的这套说辞，揭露了其荒谬本质。Admati 和 Hellwig 认为，我们完全可以拥有一个更安全、更健康的银行体系，而无需牺牲该体系带来的任何好处，并且对社会而言几乎没有任何成本。他们指出，银
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……政府来擦屁股”。所以我觉得大家多多少少都掺和了一脚（表面上还“合规”且“安全”），开开心心地套现走人，然后指望一切安好。顺便提一句，关于这个话题的另一本好书是阿纳特·阿德马蒂和马丁·黑尔维希合著的《银行家的新衣》（The Bankers' New Clothes: What's Wrong with Banking and What to Do about It）。（有个搞笑的插曲：为了确认作者名字，我在亚马逊上搜“bankers new clothes”，结果搜出来一整页连衣裙……
…government to go bust". So, I think everyone was in it to an extent (while formally "correct" and "safe"), cashing out merrily, and hoping for the best. Another great book on this, by the way, is The Bankers' New Clothes: What's Wrong with Banking and What to Do about It by Anat Admati and Martin Hellwig. (Funny side note: I searched "bankers new clothes" on Amazon to get the author names right, and got a page with dress…
……既然如此，他们做出的支付系统和经济不会崩溃的假设，其实都是建立在公共资金兜底（bailout）的前提之上的。斯坦福经济学教授阿纳特·阿德马蒂出过一本畅销书叫《银行家的新衣》，主张推行简单得多也严格得多的银行监管（基本上就是强制他们持有高得多的资本金，即 equity），我觉得这非常有道理。
…then, to the extent that their assumption was that the payment system and economy does not collapse, it was predicated on a public bail out. Anat Admati, Stanford econ prof, has a popular book out, The Bankers' New Clothes that makes a case for much simpler and stricter bank regulation (basically, force them to hold much more capital (i.e. equity)), which makes a lot of sense to me.
……崩溃），从而限制冒险行为，比如针对银行的资本充足率要求（=equity）。在我看来，你的这套说法已经被彻底驳倒了，比如阿纳特·阿德马蒂和马丁·黑尔维希在《银行家的新衣》[1]里，或者克鲁格曼早在2008年就驳斥过了[2]。[3]中给出了这场辩论的概览，其中包括克鲁格曼的这句话：> “在现阶段，任何公众人物要是还拿‘是国会惹的祸’这种论调说事，那就是……
…crash) that limits risk taking, for example capital requirements (=equity) for banks. Your narrative has been, in my opinion, comprehensibly refuted by, for example, Anat Admati & Martin Hellwig in *The Bankers' New Clothes" [1], or Krugman already in 2008 [2]. An overview over the debate is given in [3], including this quote from Krugman: > “for any public figure to go with the Congress-did-it argument at this stage is…
……金融市场、IPO、金融行业本身），不太涉及货币体系、宏观经济和制度层面。在银行及银行监管方面，主张提高银行资本（=equity）要求的阿纳特·阿德马蒂与马丁·黑尔维希合著的《银行家的新衣》是一本好书[1]。我想不出关于货币及各类相关理论有什么好书——如果有人有推荐的话……
…markets, IPOs, the finance industry), not so much on the monetary system, macro, and institutions. On banking and banking regulation, making a case for higher capital (=equity) requirements for banks, The Bankers' New Clothes: What's Wrong with Banking and What to Do about It by Anat Admati and Martin Hellwig is a good read [1]. I can’t think of a good book on money and the various theories about - if someone has a recommendation…
……不过这比起楼主的要求来说算是次要的。我觉得一本讲述银行业历史，以及促成当前监管框架的各种事件的书会更合适。不过我想不出有什么好书（除了我下面推荐的那本《银行家的新衣》）。
…secondary to what the OP is requesting though. I think a history of banking, and the events that led to the current regulatory framework, would be suitable. Can’t think of a good book though (except the Bankers’ New Clothes I recommended below).
去看看《银行家的新衣》（The Bankers' New Clothes）这本书吧，它直指金融界那些故意搞得晦涩难懂的行话黑话。
Check out the book "The Bankers' New Clothes," which addresses the intentionally obscure language of finance