Pedro Molina

高级金融的潜在内涵

伯克利——没有人会质疑使用“低级”金融产品的好处:例如使用支票,现钞和信用卡,比起使用一箱子银子来说,要方便的多。如果你用银子的话,首先要天枰或试剂来检验它的纯度,然后需要保镖来押运银子,甚至需要更多的保镖来看住原先的保镖等。对每个家庭日常开销来说,不需要每天,每周,每月或是每年来平衡收入和支出 。这样也就方便很多,

那么,“高级”金融有什么用处呢?

经济学家传统上给出高级金融如下三个用途。首先,它有利于个人将储蓄提供给大型金融机构,以实现资本密集现代社会规模效应的需求。

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