【每日阅读训练第三期——速度越障1系列】【1-4】经管

泾渭不凡

第一次做速度联系，权当给各位垫底了
3’07
2’56
2’- -（忘了）
2’23
2’12

越障16’43（我读长文章总是会忍不住跑神 - -）
内容是 金融创新可以给人们带来好处，然后AFR前任一把手说过去的25年里没有任何金融创新比得上ATM。然后一个诺贝尔奖得主PK说近来没什么金融突破对社会有帮助，然后另一个叫JS的诺贝尔奖得主反驳他什么的。
然后讨论金融创新是好还是不好，好像说金融创新带来的风险大，比如信用方面的风险什么。
然后举了个栗子，在一个叫P的地方，政府发放bond帮助当过犯人的人。
中间把这个和金融创新相比，说两者还是有不同的。这个是根据赞助者设计现金流，而且金融创新是建立在风险转移的理念上。
然后说贪婪不好。金融缺少一个off按钮，首先，（没记住）。第二，金融市场想发展需要标准。
（后来的就不知道了，到最后心急基本没看进去什么。）
第一次不回看阅读感觉很难做到，读到长句子就忍不住想多读几遍。

-- by 会员 风鸣蝉 (2012/3/1 22:35:19)

鸣蝉很好了啊~~坚持啊~~加油↖(^ω^)↗~~~哎呀饭饭的越障好好好着急哈~~

泾渭不凡

啊啊，首页！！

-- by 会员 phoebe0624 (2012/3/1 23:00:15)

哈哈哈哈哈哈哈哈~~~~momo~~phoebe姐姐~~~以后为了phoebe姐姐能占到首页~~~饭饭以后延后延后再延后饭饭值日的发帖时间~~~~哈哈哈哈哈~~~

泾渭不凡

感觉速度也看不太懂啊……
1'20''
1'06''
0'55''
0'57''
0'59''

-- by 会员 miss绿光 (2012/3/1 23:29:25)

饭饭也是哈~~~就掌握个大框~~~看来饭饭得减速瞳速咯~~~哈哈~~

泾渭不凡

速度：1差两行2以后均读完
越障：讲了financial创新情况以及一些批评，描述了一个scheme的情况，然后是social impactbond的相似和不同，接着有些看不进去了，今天心情很不好。后来通过贪婪又开始说创新。觉得就这样。没昨天逻辑清楚，但是大体脉络有。

-- by 会员 kaitlynyl (2012/3/1 23:36:19)

这个速度是指1分钟之内哈~~~哇~~~好厉害的~~加油加油哈~~~~

泾渭不凡

今天看文章看的太入神忘记按计时器啦。。。。。
反正。。。。每天发挥都很稳定。。。
大概每个速度是3分左右吧。。。。
嘻嘻。。。。

-- by 会员 liulu007 (2012/3/2 0:37:38)

哈哈~~Lulu太可爱啦~~~加油加油~~坚持就会有进步~~加油哈~~~(*^__^*) 嘻嘻……

泾渭不凡

2:38
2:25
2:10
1:43
1:31

13:42

越障 太难了。

读完一遍，脑子就是江湖

-- by 会员 abjure (2012/3/2 8:20:23)

饭饭读这个小白的越障@.@.....看了一部分也江湖了~~决定要分部分回忆咯~~~哈哈~~小白酱的越障好厉害的说~~~

猫咪团团

速度：
127'
87'
76'
79'
75'
我好慢...

越障：
12min52

先是说金融创新一直被认为是伟大创造，还出了诺贝尔奖。
但是现在越来越大的风险促使人们反思，然后就是讲风险balabala
后来举了一种social bond（大概是一种involve进政府&社会责任的债权吧，木有太看进去），分析其产生及走红。然后分析这种social bond和一般衍生工具的两点区别：1）是说人们购买这种bond，会产生一种在做对社会有意义的事情的责任感；2）忘了...
然后中间过渡不记得了，后面就是说其实金融创新本没有错，错的是人们自己。是人们的贪欲和不守规则造成了金融创新的风险性。再然后，不记得了...
悲剧了，第一次跟帖，做这么慢，还有没看懂的，还边看边忘，我去面壁了......

-- by 会员 猫咪团团 (2012/3/1 22:21:06)

团团越障很好啊~~速度挺好的哈~~~加油坚持哇~~团团加油哈~~

-- by 会员 泾渭不凡 (2012/3/2 9:36:34)

饭饭，你遵好~

babybearmm

速度：
1'17''
52''
50''
1'08''
47''
那个Euro的我都没怎么读懂...

越障很有挑战啊，我一看到2000字，还是我弱弱的金融，我就take stripped-down notes了。很多都没有真正理解啊...
15'32''

Topic: financial innovation

~it's about wholesale (techniques, products, ...), not about retail.
2 reasons: 1. although wholesale not as obvious as retail, ....
               2. wholesale has more profound implication

~Is financial innovation good or bad?
discuss an example in detail: Peterxxxxx. it looks like a bond, but rather more of an equity. It's originated from Britain. about prisoners ....
The idea of social-impact bond ...

~New financial instrument (social-impact bond) is not so different from its previous "cousins" in that:
1. monetary interests ... (cite the idea of a Wharton professor)
2. risk transfer from one group to another.   (e.g. CDS)
3. it has different scales and need standardization

~On the other hand, New financial instrument (social-impact bond) is different from its previous "cousins" in that:
1. social structure? ...it displayed the financial interest of the issuer   e.g. CDS relates to the government
2. new financial vehicle is at its infancy. a lot of improvement/development in need

~So the judgement: financial innovations good or bad?
Author's stand: although ... the concept (the basic idea) is NOT blameworthy/culpable.
e.g. for CDS and security, although problems exit, the idea is good. (a detailed example in India)

~Greek is bad... The problem with Greek:
1. firms seem non-stop. Unlike drugs in the pharm industry, the financial instruments are in constant mutation....
2. ????

~Although financial innovation is good, it is worrying. A scholar says, for a financial innovation, 先吃螃蟹的那部分人是牛人，后吃螃蟹的大众很多并不了解这个financial instrument，所以就会产生很多问题。

airthere

2‘03
1’45
1‘32
1‘42
1’26

13’48

泾渭不凡

速度：
1'17''
52''
50''
1'08''
47''
那个Euro的我都没怎么读懂...

越障很有挑战啊，我一看到2000字，还是我弱弱的金融，我就take stripped-down notes了。很多都没有真正理解啊...
15'32''

Topic: financial innovation

~it's about wholesale (techniques, products, ...), not about retail.
2 reasons: 1. although wholesale not as obvious as retail, ....
               2. wholesale has more profound implication

~Is financial innovation good or bad?
discuss an example in detail: Peterxxxxx. it looks like a bond, but rather more of an equity. It's originated from Britain. about prisoners ....
The idea of social-impact bond ...

~New financial instrument (social-impact bond) is not so different from its previous "cousins" in that:
1. monetary interests ... (cite the idea of a Wharton professor)
2. risk transfer from one group to another.   (e.g. CDS)
3. it has different scales and need standardization

~On the other hand, New financial instrument (social-impact bond) is different from its previous "cousins" in that:
1. social structure? ...it displayed the financial interest of the issuer   e.g. CDS relates to the government
2. new financial vehicle is at its infancy. a lot of improvement/development in need

~So the judgement: financial innovations good or bad?
Author's stand: although ... the concept (the basic idea) is NOT blameworthy/culpable.
e.g. for CDS and security, although problems exit, the idea is good. (a detailed example in India)

~Greek is bad... The problem with Greek:
1. firms seem non-stop. Unlike drugs in the pharm industry, the financial instruments are in constant mutation....
2. ????

~Although financial innovation is good, it is worrying. A scholar says, for a financial innovation, 先吃螃蟹的那部分人是牛人，后吃螃蟹的大众很多并不了解这个financial instrument，所以就会产生很多问题。

-- by 会员 babybearmm (2012/3/2 12:04:46)

baby姐姐估计都听腻了~~饭饭也得说~~~：越障太牛了！！！