Economia: la cosa migliore è assicurarsi

NEW HAVEN – Il principio fondamentale del rischio di gestione finanziario è rappresentato dalla condivisione. Più è ampia la diversificazione dei portafogli finanziari, maggiore sarà il numero di persone che si troveranno a condividere rischi inevitabili, e inferiore sarà il numero dei singoli individui esposti a rischi specifici. L’ideale teorico si verifica quando i contratti finanziari diffondono i rischi in tutto il mondo, tanto che miliardi di investitori ben disposti ne condividono una parte minima senza il pericolo di una sovraesposizione.

Il caso del Giappone dimostra che, nonostante l’enorme evoluzione dei mercati finanziari, siamo ancora lontani dall’ideale teorico. Considerando la mala gestione degli enormi rischi, pur trovandoci nel XXI secolo la finanza è ancora ad uno stadio piuttosto primitivo.

Un recente studio della Banca Mondiale ha stimato che il danno derivato dal triplo disastro (terremoto, tsunami e crisi nucleare) di marzo potrebbe costare al Giappone 235 miliardi di dollari (escluso il valore delle vite perse tragicamente), il che corrisponde a circa il 4% del PIL giapponese del 2010.

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