2. 考研
  3. With the nation’s financial system teetering (蹒跚) on a cliff, the compensation arrangements for executives of the big banks and

With the nation’s financial system teetering (蹒跚) on a cliff, the compensation arrangements for executives of the big banks and

admin2009-11-14  36
问题     With the nation’s financial system teetering (蹒跚) on a cliff, the compensation arrangements for executives of the big banks and other financial firms are coming under close examination again.
   Bankers’ excessive risk-taking is a significant cause of this financial crisis and has contributed to others in the past. In this case, it was fueled by low interest rates and kept going by a false sense of security created by a debt-fueled bubble in the economy.
   Mortgage lenders gladly lent enormous sums to those who could not afford to pay them back, dividing the loans and selling them off to the next financial institution along the chain, which took advantage of the same high-tech securitization (证券化) to load on more risky mortgage-based assets.
   Financial regulation will have to catch up with the most irresponsible practices that led banks down this road, in hopes of averting the next crisis, which is likely to involve different financial techniques and different sorts of assets. But it is worth examining the root problem of compensation schemes that are tied to short-term profits and revenue’s, and thus encourage bankers to take irresponsible levels of risk.
选项
答案 “商业模式”这一术语最先是随着计算机和空白表格程序的问世而广泛传播的。在空白表格程序出现之前，商业计划往往意味着就某种情况提出一种单一的预测。你充其量只能对项目做出一些敏感性分析。而空白表格程序为计划引入了更全面的分析方法，因为表格的每个主要列项可以拆开，因而可以分析和测试其成分和细节。你可以对商业所依赖的关键假设做出推测，比如，顾客对价格的敏感度要是超过了我们的想象，我们该怎么办?你只需敲几下键盘就可以看到整体中各个组成部分所起的任何变化。换言之，你可以制定商业行为的模式。计算机改变了商业计划的本质，在此之前，绝大多数成功商业模式的形成是出于偶然，而非事先精心设计。空白表格程序能使企业把对市场的洞察与随之而来的经济活动更紧密地联系起来，因而能够事先制定出商业模式。
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