论文部分内容阅读
曾经在《非理性繁荣》一书中成功预言美国纳斯达克市场泡沫的美国耶鲁大学的罗伯特·希勒教授,在北京讲到金融创新时说,第一个主张是个人的生计保险,也叫个人保险,主要是保护人的职业收入、房屋的价值等。今天,很多保险已经变得不重要了,比如寿险,由于医疗保障或者医疗体制的不断完善,很少有人在年轻的时候就死掉,所以寿险在过去很重要,但是现在变得并不是很重要。人们今天更关心的是职业生涯保险,尤其人们担心新技术的变化和技术的核心带来的失业、职业的变迁,这是人们面临最大的风险。
Speaking of financial innovation in Beijing, Professor Robert Shearer of Yale University in the United States, who had successfully predicted the Nasdaq market bubble in his book “Irrational Prosperity,” said that the first is personal livelihood insurance and Called personal insurance, mainly to protect people’s occupation income, the value of housing and so on. Today, many insurances have become insignificant, such as life insurance, and few have died at a young age due to improved health care or the health care system, so life insurance has been important in the past but now it does not matter . People are more concerned about the career insurance today, especially people are worried about the change of new technologies and technology at the core of unemployment, career change, which is the greatest risk facing people.