Paul Lachine

紧缩政策与现代银行家

发自华盛顿特区——对于华盛顿互惠银行(已于2008年秋倒闭)的四名前高管来说,今年的圣诞老人已经提前降临了。联邦存款保险公司(FDIC)早前向这四人发起诉讼,指控他们在“明知房地产市场正处于‘泡沫’的情况下”依然承担巨额财政风险等行为。原告试图追回9亿美元款项,但四名被告最终将赔款额锁定在6400万美元,且绝大部分都由其保险公司支付;他们自己需要掏的估计只有40万美元。

毫无疑问,这几名高管不但丢了工作,同时也必须放弃向原倒闭企业追讨额外补偿金。但据联邦存款保险公司称,这四人在2005年1月至2008年9月间已经取得了超过9500万美元的收入。可见他们这次可算是成功脱身且依然富得流油。而这也是以往金融企业在未衡量风险的情况下向高管们发放“股本回报率”补偿时所发生的情景。年景好的时候高管们赚了大头;而当经济下滑风险爆发的时候,他们照样(几乎)毫发未伤。

与此同时,他们的行为——以及其他银行家的类似行为——却直接导致了住宅价格的上涨以及随后的毁灭性崩溃。此次崩溃以许多负面方式对银行界以外的人们造成了影响,其中就包括了超过800万职位的流失。

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