金融危机，伤你有多深
我们总是希望经济好转能把经济危机带来的负面影响消除，然而事实证明这种影响造成的心理创伤需要很久才能治愈。Hints:
Ulrike Malmendier
University of California, Berkeley
主持：shenyubin
校对：dramatic150
翻译&注解：cjsfight
答疑：赤_月
口语点评：丹尼君
口语节目链接：http://bulo.hujiang.com/menu/2120/item/775102/
http://t1.g.hjfile.cn/listen/201306/201306020905536711619.mp3Well, when an economy plunges into a downturn, we know you could expect unemployment to rise, businesses to struggle as demand falls and investment to drop. Now normally economists assume these effects will be reversed as the economy recovers, but it now seems the consequences of periods of economic stress can be with us for many years. Fresh recent research shows that the long-term ramifications of a downturn or a recession on us as individuals can be felt for decades. Ulrike Malmendier is professor of economics at the University of California, Berkeley. She's been looking into just how great the psychological scar left by prolonged economic decline or stagnation can be, and how it can then affect consumer and business behaviour.
"What we've personally lived through, in particular relatively, recently, affects us beyond this recession. So having, for example, lived through the current recent financial crisis, we kind of calibrated that a then 30-year-old will start to significantly shy away from any stock market investment. Over time this effect will fade, it will go away. But it is rather slowly. So only about 30 years later, so when this person is 60-year-old, we will be back to a situation where this person acts towards the stock market the same way she would have acted if the financial crisis never had happened."我们知道一旦经济陷入低迷，就会发生失业率递增以及由于需求下降投资骤减而导致各企业垂死挣扎的现象。目前经济学家们通常认为这些现象会在经济扭转时也有所好转，但是现在看来经济受挫时期的消极后果会萦绕我们数年。最新的研究表明，经济衰退所带来的长期后果会伴随我们每个人数十年。乌尔里克尔·马尔门迪尔是加州大学伯克利分校的经济学教授，她正研究长期的经济衰退或停滞不前会给我们留下多大的心理创伤，然后又会如何改变消费者和企业的行为。
“我们各自所经历的，对我们的影响会在衰退后久久不去。比如说我们最近正在经历的这次金融危机，我们基本认为那时一个30岁的人将不再接触任何股票市场投资。时间长了，这一结果会消退，会消失，但会非常非常慢。仅仅30年后，当这个人60岁时，她还是会照样参与股票投资，就好像从没发生过金融危机一样。”
页:
[1]