b****t
发帖数: 29 | 1 这个星期以来也算是见识了一把wall street的上窜下跳。
我一直觉得Finance这个行当太overpay了。不是我眼红人家，这些人做的事情，偶确实
是做不了，不管给我多少钱。只是我的意思是说，金融这玩意更别提衍生品的风险实在
不是一般人能了解。而现在这些金融行当的人，为了提高自己的收益，去追求高风险（
对外展示的风险由他们定义）高收益。他们奖金就好比call option。根据BS模型当然
是把风险弄的越高，他们的收益越高。所以要解决这个信息不对称的问题，或者是解决
Risk Preference不一致的问题。偶倒是有个非常简单的方案，每个从业人员的年终奖
必须进入一个Pool（和退休账户一样），每年只能提取Pool里面一定比例的钱。如果来
年公司或者你个人有损失，要从Pool里面扣钱。最后就和美国退休账户一样，到了一定
年龄以后才能全部取出。这样的话，那些从业人员就需要三思而行了。
其实最关键的一点，到底金融行业需要不需要那么优秀的人才，如果把他们的收益降低
，那些聪明的人才可以分到其他行业，这个社会的social welfare是不是就会提高呢？ | m*****p
发帖数: 214 | 2 I think it is a good direction to start. However, there are lots of details
you need to work through. Like how much can one withdraw per year? It is
hard to believe that GS CEO and a receptionist have the same cap. So, how to
adjust that? Any penalty for over-withdraw? what about the hardship? Any
regulation or law enforcement? plus if it is like 401K, IRS will lose a lot
of tax money because of the lower tax rate.
After all, the people who will suffer most from this idea will likely be the
low | i*******e
发帖数: 349 | 3 我想一个主要问题在于，金融从业人员的投机行为有比较大的externality，而这个
externality又不好衡量。 | kx
发帖数: 16384 | 4 操作起来过于复杂的东西，生命力总是难以持久
因为监管成本
details
to
lot
the
【在 m*****p 的大作中提到】
: I think it is a good direction to start. However, there are lots of details
: you need to work through. Like how much can one withdraw per year? It is
: hard to believe that GS CEO and a receptionist have the same cap. So, how to
: adjust that? Any penalty for over-withdraw? what about the hardship? Any
: regulation or law enforcement? plus if it is like 401K, IRS will lose a lot
: of tax money because of the lower tax rate.
: After all, the people who will suffer most from this idea will likely be the
: low
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