经济危机下,道德走在制度前

2005年的印尼海啸,眨眼间将17万人卷入海水,卷到了另外的世界。海啸的速度就是让那些没经历过的人不腰疼地站着说没什么,而被卷进去的人还没来得及说什么的时候就出不来了。

 

2008年的秋天,秋天的跨度太大。准确地说,20008年的9月15日,那些以毕业后进入雷曼为梦想的学经济的学生才刚刚开学,他们梦想的地方申请了破产。随即,比印尼海啸更为迅速和凶猛的金融海啸便在短短的半个月时间内波及到全世界——只要是和外界有金融联系的地方——除了大山深处。有人说:“年龄在80岁以下的人没有见识过这么猛烈的金融危机。见过20年代末美国金融危机的人,估计除了印象中吃了上顿想着下顿的长辈们就再无记忆了。这种情境太久远了,也太不一样了。”已经跨过8个年头的21世纪其经济复杂程度远不是近一个世纪前所能比拟。正如英国首相所言,如果问一个经济学家我们现在该怎么办?如果他肯诚恳地回答,肯定会说:我也不知道。

 

经济的全球一体化走到今天,已经将这个几年前甚至是今天还在很多人心中只是一个泛泛的官方套话演绎地无比复杂。这里面有高低差异,产业链的每一环都泛着不同颜色的光泽,多米诺的每一块骨牌都成色不同,但这只是在链条没有断,牌没有倒的时候,断了倒了的时候,所有的链条所有的牌都逃不过。怎么办?纯粹的金融理论研究在此时显得软弱无力。美利坚有着比某些国家的经济系学生人数总和,甚至比某些国家的人口总和还要多的经济学家,照样被一浪又一浪的海啸打得劈头盖脸。于是,很多人开始质疑金融本身就有生理缺陷。金融之所以复杂,其实说白了就是将用于等价交换的货币无限抽象化,转化成为10进制的数学游戏。当抽象的游戏脱离了实在的价值交换时,不加限制的游戏算法加上游戏本身产生的各种监管不力的金融衍生物的累加效应,天文数字的货币便看似莫名其妙地蒸发了。不加限制的游戏和监管不力的金融衍生物的的产生,从理论上讲,这是制度的问题。这也是经济学家和各国央行寻求解决办法的切入口和思考角度。但是,制度的先天滞后性无法从根本上解决困局,正如法律面对现实世界时的先天不足,道德层面的约束是一剂药性温和却又颇为慢效的中药良方。现代的市场经济正是建立在道德文化和制度文化的基础上。在这一方面,宁波商人走在了其它商帮前面。

 

宁波商人的辉煌历史和仍在续写的从商史无需多言,明州商帮的足迹早就遍及日本、高丽、波斯湾等地,而相比其他历史上有名的商帮,比如晋商、徽商、潮汕帮,宁波帮的独特之处在于悠久的信用特色。就这一点,从金融角度上讲,不仅在当时具有开创性,而且对现今极其复杂的全球金融体系都具有极大的借鉴意义。而且在悠久的从商史上,宁波商人的信用特点很好地将道德和制度两者很好地结合在一起。这不能不让人惊叹!比如,宁波商人在经营钱庄时使用的过账制度与现代银行的票据交换制度极其相似,钱庄对客户的资金出入采用划账的方式而不是现款,而且全凭个人信用,没有任何的物质等方式的担保。更了不起的是,商人将钱庄对其的信任程度作为个人名誉和地位的一种证明和体现,这种信任制度是正面而且积极的,与现在的诚信档案完全不同。(诚信档案好事不记,专记污点,连小学老师的小红花都不如)以当时的金融发展水平而言实为难得。宁波商人严信厚和叶澄衷于1897年创办了中国第一家银行——中国通商银行。它的成立与宁波商帮超越其他商帮的信用机制是分不开的。有文献记载,清光绪二十六年(1900年),宁绍合道致信浙江巡抚:“溯查数十年来,宁郡钱庄虽有亏本歇业,他人之欠该庄者,未能按户收足;而该庄之欠他人者,必须扫数全还,绝无吞蚀、逋逃情弊,此不独为本埠商人所深信,且为各处商人所共信……”

 

近来炒得很盛的麦道夫金融欺诈案和法莫道不消魂国兴业银行违规操作案更多地被人们联系到了“欺诈”这个更多地包含道德成分的词汇。这将引发学术界乃至全世界人对道德在金融发展中所起作用的思考和关注。

 

刚写完,我不小心在网上又看到一条新闻:美国证莫道不消魂监会指控,斯坦福金融集团通过其总部设在安提瓜的离岸银行“从事大规模正在进行中的欺诈行为”,金额高达80亿美金。还好,不是斯坦福大学……

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不谈国事,先说手机

最近,一个看起来(对不起,貌似这个词是我的听力词汇,但不是写作词汇)相当强大的手机,国产手机出来了,估计看我博客的人听说过这个手机品牌的比全国平均水平要多一点点,不说全名了,免得做广告,叫TY。这个手机现在姿态高的很,比当年出类似的手机的三星高调很多。
我总是低估别人的智商,却高估别人的见识,一直以为别人对一些大家都用的电子产品应该都有点了解,最基本的常识应该有,比如什么叫山寨机,比如CCD相机和CMOS相机的区别,可以不精通,但是如果一点概念都没有的话,还是应该学一点,五年后,这些概念和什么叫mp3,什么是google段位差不多。
先不说这些概念了,想知道的话去百度一下,网上多的是。
山寨机的出现,是中国消费类电子产品的悲哀。如同那些在N年前搅了市场的国产杂牌MP3,除了让中国的市场在一阵慌乱后更大程度地陷入国外品牌的口中,没有其他任何的意义。那些杂牌的MP3还算有些自知,也就是搅搅市场而已,可现在的山寨机,却在国际上一个劲地谴责中国的知识产权保护,反盗版的今天,兴风作浪,先是做出几乎一比一的psp手机,然后是高仿的诺基亚出口到了芬兰,现在又有了TY手机竟然高调发布,同一天宣布和Warburg Pincus“建立战略合作伙伴关系”……。先不说别的,从pcpop的评测来看,TY的手机就是把一个没有包外壳的手机和一个没有包外壳的CCD相机用一个外壳包起来了,很搞笑的是,网友的评论一针见血:连插卡槽都是两个!我真是不知道,这样的手机为什么没有相关的厂商去追究法律责任。
看了索爱发布的新机Shiho,我不想说关于这个手机的什么了,我们为什么就那末不谦虚呢,那末容不得别人比我们强的即成事实呢,国内的媒体很谦虚地说:我们和友好邻邦在某些方面还是有一些差距的……

[audio: mp3 http://www.ghh5456.cn/kkek/1143339926.mp3 ]

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MIT校长在07级新生会上的讲话

Freshman Convocation 2007

26 August 2007

Good morning, and welcome, MIT class of 2011. And welcome also to the families
and friends who have come to help launch a new chapter in our students’
lives.

Each academic year begins with the excitement of formally welcoming our new
students into the MIT community at this Freshman Convocation. Convocation
– a calling together – is a chance to offer words of introduction, and
also some – but I hope not too many – words of advice.

I am joined here on the platform by a group of people who will play key roles
in your lives over the next few years. You will hear shortly From our
Chancellor
, Professor Phillip Clay, and then From our Dean for Undergraduate Education
, Professor Daniel Hastings. Also joining us are the Provost and Associate
Provosts, the Secretary and Vice President for Institute Affairs, the Deans
of the Institute’s five Schools, the Dean for Student Life, the Chair of
the Faculty, and the housemasters of the undergraduate residence halls.
The president of the Undergraduate Association, Martin Holmes, is also here
to greet you. We come together here to celebrate your arrival at MIT.

Your MIT chapter begins on the shoulders of history. Look above, at the names
etched in stone along the frieze of Killian Court, and you will see in those
names the story not simply of one school, nor even of science and engineering
alone, but of knowledge itself. Our predecessors were pioneers of discovery
who led humanity’s progress From the ancient to the modern world. Today
, as we welcome you to MIT, we welcome you as the heirs of history and the
inventors of the future.

And we welcome you as heirs to a motto: Mens et manus, Mind and hand – the
MIT motto that we live every day. At MIT, we value brilliance. That’s why
you’re here. But along with the mind that reaches over the horizon, we
value the hand that reaches out – that helps, that collaborates, that makes
the world a better place.

Not a single name on this frieze got there on brains or brilliance alone.
They were dreamers, and they were discoverers, and they were diligent.

This morning, you take your place in their tradition. You take your place
in a time of great challenge and even greater opportunity. You take it in
the shadow of names like Aristotle and Newton, DaVinci and Descartes, Franklin
and Faraday.

No problem. No pressure. Right?

Well, that’s easy for me to say. But I say it with confidence. We selected
you for the class of 2011 because we know that each of you has the intelligence
and the character not just to “survive” at MIT, but to truly thrive here
. You arrive with several distinctions already under your belts.

Only the brightest even apply to MIT – and your applications, with a good
many others, formed the largest and most competitive pool of applicants
in our history. Many other distinctions mark this class. Among you are science
and math Olympians, winners of the nation’s most prestigious academic prizes
, circus performers, varsity athletes, at least one cow breeder, world-class
musicians, and entrepreneurs. Simply put, you have extraordinary credentials
in every way they could be measured.

But beyond these not inconsiderable accomplishments of your own, another
distinction singles out this class. MIT was founded in 1861. The class of
2011 – your class – will graduate in MIT’s 150th year. Your names will
be recorded in our history as MIT’s sesquicentennial class. And over the
course of your senior year you will join in the celebration of this important
milestone.

But each of you knows already that MIT is far more than its past, that our
real task here is to invent the future. The study of the history you inherit
only sets the foundation for the history you will make.

MIT was founded to apply knowledge and its advance to making the world a
better place. This institution stands at the intersection of the abstract
and the applied – of science and society – of discovery that ennobles
our understanding and discovery that transforms our lives.

MIT is part of one of the greatest stories of humankind: the story of discovery
turned to human good. Let me give you just one example: The voyage to the
moon and the lunar landing were made possible by guidance, navigation, and
control systems developed by MIT's Instrumentation Lab. Apollo 11 astronaut
, Buzz Aldrin, who received his PhD From MIT's Aero/Astro department, was
the second man to set foot on the moon and one of four Course 16 graduates
to walk on the moon.

MIT’s tradition of putting great theories into action transcends science
and engineering, reaching into other disciplines, and bringing forth other
world-changing discoveries and inventions. They include the humanities and
the arts, entrepreneurship and urban planning: MIT faculty and students
were on the ground in New Orleans two weeks after Hurricane Katrina, working
with local groups and institutions to address housing, sustainable development
, and alternative energy.

MIT’s leadership also includes marketing, linguistics and economics. In
fact, today, the heads of five central banks – Stanley Fischer in Israel
; Mario Draghi in Italy; Athanasios Orphanides in Cyprus; Vittorio Corbo
in Chile and, of course, Ben Bernanke here in the United States – all have
degrees in Economics From MIT.

Today we travel on a trail blazed by the discoverers whose names ring Killian
Court. Each name bears a remarkable story. Let me today tell the story of
just one – a story of science and technology, but also a story of business
and society, of tenacity, of discovery, and of impact – the story of Louis
Pasteur.

Pasteur was born in 1822. He worked in France, in the same era that another
brilliant scientist – this one named William Barton Rogers – began an
extraordinary project here in America: creating an institution of learning
to serve an industrialized age. MIT began in 1861 on Boylston Street in
Boston, Where it was known as Boston Tech before moving to this site in 1916
. You can read our founding mission ringing the lobby of Building 7: ”
Established
for advancement and development of science, its application to industry,
the arts, agriculture, and commerce.”

Pasteur, in like mind, made extraordinary scientific discoveries that he
turned to practical use. He used the technology of his day – a microscope
that seems quite simple to us today – to established the field of
stereochemistry
, discovering that only the dextro rotary form of tartaric acid was taken
up by the microorganism responsible for the fermentation of wine. As dean
of the new science faculty at the University of Lille, he established a
relationship between the university and local industry so that theory could
be turned into practice. (You know,) in grade school we all learned about
Pasteur debunking the mythology of spontaneous generation, but less commonly
known is his extension of that seminal discovery to understanding the cause
and determining the cure for animal and human diseases.

Pasteur did all this not simply through intelligence, but intelligence amplified
by diligence. “Chance favors only those minds which are prepared,” he
famously said. Less famously, his favorite motto “Travailler, travailler
, travailler toujours,” directs one to work, work, work always.

Pasteur understood that we cannot realize the full promise of science, if
we do not open avenues for its application to people’s lives. “There is
no greater charm for the investigator,” Pasteur said, “than to make new
discoveries; but his pleasure is heightened when he sees that they have
a direct application to practical life.”

And by that measure, your time at MIT – and your careers that lie ahead
– will be pleasurable indeed.

MIT walks – as you do – in Pasteur’s footsteps. That’s true in a very
practical sense – because the work he began continues here.

Pasteur's discovery that yeast was responsible for the fermentation process
and that contamination by other microorganisms turned beer sour advanced
the beverage industry of 19th century France, but it also laid the foundation
for experimental work with yeast that continues at MIT today. Professor
Susan Lindquist of the Department of Biology and the Whitehead Institute
uses yeast to study the proteins that give rise to Parkinson’s Disease,
a debilitating degenerative neurological disorder. The yeast strains carrying
the protein implicated in Parkinson’s disease also provide a platform to
search for preventive and therapeutic drugs.

Pasteur’s breakthroughs during the infancy of experimental biomedicine gave
rise to the vast engine of biomedical research and products we enjoy today
. But biomedical breakthroughs now provide tools for other disciplines. The
convergence of the life sciences with engineering reaches well past biomedicine
to batteries, to biofuels, and beyond.

But we stand in Pasteur’s footsteps in another sense too. We embody what
he taught – the importance of attention to the finest detail, the value
of diligence, the promise of science that transforms people’s lives. These
are the lessons you will learn From us, your faculty, – and From each other
.

Look around you. Your classmates are extraordinarily accomplished. And you
have an advantage Pasteur lacked: This, the most diverse class in MIT’s
history, arrives on our campus with a range of perspectives Pasteur could
hardly have imagined. Your class comes From 49 states, three American
territories
and the District of Columbia, and From 58 other countries. We come together
on this campus From a variety of backgrounds, united in our pursuit of truth
. Pasteur observed that, “Science knows no country because knowledge belongs
to humanity, and is the torch which illuminates the world.” Indeed, talent
, brilliance and tenacity transcend geographic, ethnic and racial boundaries
. Your class, your generation, will push the frontiers further precisely
because your perspectives are broader.

The rich mix of students and faculty on this campus will expand your horizons
, inside and outside the classroom. I hope that all of you will take advantage
of one of MIT’s signature offerings, the Undergraduate Research Opportunities
Program, in which our students work in research groups in every discipline
on the campus. I know that you’ll also embrace the wide variety of living
groups, athletics and activities that demand in a different way the same
passion and engagement as your academic pursuits.

Opportunities begin here on campus but reach across the globe. I further
hope that most of you will have an international experience some time during
your years at MIT. Many students take on an international internship through
MISTI, the MIT International Science and Technology Initiatives. As part
of a project to help improve education standards in China’s western provinces
, MIT students traveled to the Tibetan-Qinghai Plateau to introduce Qinghai
University faculty and students to MIT-OCW subjects in biotechnology, computer
science, and environmental engineering. Others apply their problem solving
skills in the developing world through D-lab, designing locally-sensitive
solutions to water purification. One of MIT’s great internationalists,
Professor Dick Samuels From the Department of Political Science and director
of our Center for International Studies, has joined us on the platform this
morning. I have invited Professor Samuels to deliver your first academic
lecture Tuesday in Kresge Auditorium, to share with you some of the excitement
of MIT’s global reach.

As you consider which subjects to take, activities to take up, living groups
to join, know that what brought you here – and what you will learn here
– are the same qualities for which MIT graduates are known around the world
. At MIT, we are intensely analytical. Through the seemingly endless problem
sets, you will learn a way of thinking and a way of solving problems that
arise not just in classroom assignments, but in life. You will learn by
doing – through hands-on experience.

That much you know. But you will learn other critical lessons that we discuss
less often but that matter just as much. These lessons transcend the laboratory
and classroom. They are lessons in leadership, and they are lessons in life
. MIT students have transformed lives through their work in the Cambridge
public schools and with communities in developing countries. And beyond
the great good they have done for others, they have also learned how to maximize
the work of teams, how to lead, how to engage with people and cultures
different
From their own, and they have also learned the important art of persuasive
rhetoric.

Your experiences at MIT will expand and amplify the remarkable accomplishments
you bring with you today. We hope, no – we expect – that you will use
the full sum of your talents to make the world a better place.

I’ve welcomed you today in the context of history. But the most interesting
history lies before us: the history you will make, the future you will invent
.

I cannot tell you what that future will be. Besides, that would spoil the
fun – mine as much as yours. The thrill of serving as MIT’s president
is finding myself every day in a future I had not yet imagined. It’s a future
of your making. If you want to see the history that has been, look up –
at the names above Killian Court. If you want to see the history yet to
come, look around – at the MIT class of 2011. Welcome to the epicenter of
science and engineering – of economics and entrepreneurship and global
studies and urban planning and more. MIT is Where science and society converge
.

We’re counting on you to make our world a better place. So: work hard –
and you must. Reach broadly – and you can. Embrace our history and invent
our future – and this, I know, you will. Welcome to the Massachusetts
Institute
of Technology.

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武大不是Tsinghua

       今天心情不错.
       张飞是一个比较牛逼的人物,不过这段时间更牛逼的显然不是张飞,是张非.高半夜凉初透考机器.
       本来关注他就是一个错误,关注关注他的人才对,比如我.晚上看到在新浪看到一篇博文,说要看清华的举动,不知道清华是出于唯分数至上还是对把张非培养成一个人才充满信心毅然在被玩弄了之后要了他.这篇文章被编辑推荐放在首页.(突然想起一件事情,老罗曾经说新浪很那个,新浪嘴上不承认,倒是真的少了些什么"我和导演上帘卷西风床之后","导演骗我上帘卷西风床之后"一类的编辑推荐文章).其实这篇文章也没多少起色,还是说的被一个男的玩弄了之后, 在这个男的重新找上门的时候要了他的故事.所以,这件事情没什么好关注的.倒是这篇文章的大意就是不知道清华太贱还是清华太高尚,要挽回该男的心,毅然为其开门,呵呵.
        很奇怪的文章,逻辑混乱不堪,编辑更是差,推荐武大邻居王干妈的文章.
       首先,张非这样的人很多,光我就见过好几个,只不过被他玩的是中国最没幽默感,最玩不起的两个大学,仅此而已.
       其次,清华没那么贱,根本扯不上什么唯分数至上.清华在对张的处理上 ,就是严格按照教育部的规定,体检合格,成绩够高就行,长得帅不帅,对父母是不是孝敬,是不是处男处半夜凉初透女根本不关心,这是龟腚,无权关心.当然也就不关心人家赚奖学金的动机和玩游戏的动机.可以说,现行的高半夜凉初透考录取体制下,清华录取他绝对是不犯任何法律法规.
        第三,清华没高尚过,将来也不会高尚到这篇文章作者YY的那样,对教育好张非充满信心,为中华之崛起而教育张非.别说清华,就是南开也不会为中华之崛起而教育周总理,是周总理为中华之崛起而读书罢了.清华每年招人上千 ,全是考试牛逼的人,考试牛逼和玩游戏牛不牛逼没什么关系,清华也没完全的义务去教育考试牛逼而且玩游戏也牛逼的张非到了大学只能考试牛逼,这是大学,没那么高尚也没必要那么高尚.
      讨论这件事情的唯一意义是我们的教育体制在这样一个身上结出了不太常见的果,我们需要想想为什么是这个结果,应该是什么结果;而不是讨论一个学校和一个孩子的博弈,这和王干娘整天议论武大和小潘差不多,很SB.
      幸亏武大不是Tsinghua.

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又一个中国球员和国际巨星混在了一个榜单

  先看看这段英文

7 Li Wei-Feng (Everton)

Arrived as part of the same strange deal which brought the not-too-bad Li Tie to Goodison in 2002. Why? Perhaps he came free, like the prawn crackers we get in our Chinese takeaway when we spend more than a tenner.

原文链接如下:

http://www.timesonline.co.uk/tol/sport/football/article2025420.ece

2002年,李玮峰和李铁一起以很奇怪的合同来到了古迪逊公园球场(Goodison),后者的表现还算过得去,为什么奇怪?或许是因为是零转会费,如同我们买的中式外卖,多花10英镑带的那个虾饼

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无聊

  无聊,打开百度,ctrl+v了一段前天写的文字,百度链接到这里了,才开张两天就被爬虫爬到了,不知道是我牛逼还是它厉害

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上大学

  在公司上网,受限制太多,上班时间更是,几乎想看的网页全被禁掉,不管什么颜色的,点新浪,可以进,再点新闻,就跳出了网页,大意就是不让你看。

  还好,百度的新闻页可以进去,看个标题什么的,总比没有强。昨天无聊,点了百度,再点新闻,再点教育,然后,我傻眼了。全是高半夜凉初透考的东西,不是说这个话题现在淡化了吗,怎么火成这样。

   状元,舞弊,查分…… 满眼的高半夜凉初透考新闻,中国的教育事业每到六月就开始火得冰凉。考场里坐满了走到崩溃边缘的少年,招聘会上挤满了找工作找到麻木的青年,坐在考场的少年在被大学上了四年之后,提着裤子和被大学蹂躏过的证明寻求买家。

  一次在火车上,一个长得象精灵一样的女孩子对我说,她们老师说了,你爸爸有十万,送你在国内上大学,你爸爸有一百万,送你去国外上大学,你爸爸有一千万,你还上大学干吗。我看着她,她看着我,很疑惑地。她不明白我在想什么。我想,和她比起来,我是靠自己想出来的,当时没有人告诉我这些话,周围的人都在说大学如何如何好,象牙塔什么的。其实,大学是好,只不过中国的大学例外,不是象牙塔,是雷锋塔,早就倒掉了。韩寒说现在的大学像妓女,花钱就可以上,钱多可以挑着上,钱足够多甚至可以几个一起上,这比喻不错。

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很多时候,我们太过脆弱

一直觉得自己可以笑着面对别人的不友善,等到真正遇到了的时候才发现还是放不下来,可能佛印的办法证明这个确实很难吧,这样想想也就坦然。不过,还是要慢慢让自己能很平静地面对所有的不愉快,毕竟,活着,就是一种承受。

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