目录
[隐藏]
Overview:

Technology and innovation underlie finance. In order to manage risks successfully, particularly long-term, we must pool large amounts of risk among many, diverse people and overcome barriers such as moral hazard and erroneous framing. Inventions such as insurance contracts and social security, and information technology all the way from such simple things as paper, and the postal service to modern computers have helped to manage risks and to encourage financial systems to address issues pertaining to risk. The tax and welfare system is one of the most important risk management systems.

这节课开始讲的一些保险方面的问题,这就是一个风险分摊这样的意思,就是比如很多人买了一个保险,可是真的出事的并不会所有人都出事是吧,那么出事的那个人所遭受的灾难在得到补偿的时候平分到所有买保险的人身上。。。(这个浅显的道理我好像以前没有注意到。。。)然后这里还讲到的一个重要的词就是道德危险,就是说保险这个事上很多在有嫌似诈骗或者说故意为了保险金的事。以及后续的保险的判断上(判断标准确实很难,很多时候。)

后面还有提到的是一个轮子的故事,还有邮票啊什么的,网络。