金融危机的好处

Bloomberg的专栏作家Michael Lewis,日前发表了一篇文章《金融市场崩溃的光明面》(Bright Side of a Total Financial Market Collapse)。

文中列举了这次金融危机将给未来世界带来的五大好处。其中第三点是这样写的:

3) Ordinary Americans get a lesson in low finance.

3)普通美国人将获取教训

Our willingness to believe that we can hire some expert to tell us how to outperform markets is a big problem, with big consequences. It underpins Wall Street's brokerage operations, for instance, and leads to a lot more people giving out financial advice than should be giving out financial advice.

我们总是相信,专家比我们高明。我们花钱让那些人告诉我们该怎么做。这是一个大问题,带来恶劣的结果。我们的这种幻觉,支撑起了华尔街的证券经纪业,导致发布投资建议的家伙,数量多得不像话。

Thanks to the current panic many Americans have learned that the experts who advise them what to do with their savings are, at best, fools. Merrill Lynch & Co., Morgan Stanley, Citigroup Inc. and all the rest persuaded their most valuable customers to buy auction-rate bonds, telling them the securities were as good as cash.

谢天谢地,最近的金融危机让许多美国人认识到,那些指导他们投资的家伙,在最好的情况下,也不过是一个白痴。美林、摩根斯坦利、花旗以及诸如此类的机构,竭尽所能说服客户,去购买那些脆弱的高息债券,声称这些债券同现金一样安全。

Those customers will now think twice before they listen to their brokers ever again.

现在,如果客户再听到这样的建议,他们就不得不三思了。