【BBC经济学】贪婪之梦23
Hints:￡5.90
Renaissance
hard-nosed
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http://t1.g.hjfile.cn/listen/201309/201309050840497772376.mp3So why do people scraping by on just ￡5.90 a day pay such horrendous interest on loans?
These, surely, are loans you'd be mad not to default on.
Here in Glasgow, defaulting on your loan is highly inadvisable.
You won't literally lose a pound of flesh, but grievous bodily harm isn't an unknown consequence of letting down the loan shark.
Quite simply, individual loan sharks have to be rapacious and ruthless because the costs to them of even a single defaulter are so high.
And that explains why, from Renaissance Italy to modern Scotland, the moneylender is so often a hated figure.
He's providing a service, but at a socially unacceptable price.
So how did lenders learn to overcome this fundamental problem?
If they were too generous, they didn't make any money. But if they were too hard-nosed, borrowers would eventually default.
The answer was to get bigger and more powerful.
It was time to invent banks.为何这些每天仅靠5.9英镑
勉强糊口的人
愿为贷款支付数量如此惊人的利息呢
想不拖欠这些贷款是很难的
但在格拉斯哥
拖欠贷款十分之不明智
虽然你不会真的失去一磅肉
但因得罪高利贷者而重伤致残的事情
屡有发生
原因非常简单
每个放高利贷者都唯利是图残暴无情
因为对他们来说
每一份违约的成本都很高昂
这也是为什么
从文艺复兴时期的意大利到现在的苏格兰
放贷人一直都是个被人憎恨的角色
他的确提供了服务
但却要价高昂社会无法接受
那么贷款人是如何解决
这一根本问题的呢
他们如果过于慷慨则无法获利
可如果过于强硬
借款人最终还是会违约
答案在于要做大做强
于是银行应运而生
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