Finance, Society and Sustainability: How to Make the Financial System Work for the Economy, People and Planet
暫譯: 金融、社會與永續性：如何讓金融系統為經濟、人民與地球服務

Silver, Nick

Finance, Society and Sustainability: How to Make the Financial System Work for the Economy, People and Planet

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商品描述

The financial system is vital to our prosperity; much of modern life would be impossible without it. However, since its inception, insiders' privileged position has made the system prone to abuse, often resulting in financial scandals, crises and asset bubbles. This book investigates the extent to which the finance sector is fulfilling a useful social function, and to what extent its activities are actually counter-productive or damaging to the economy. This book argues that in recent years, the financial system as a whole has evolved in such a way that non-productive activities now dwarf its useful social purpose. These activities are subsidised, protected and supported by the tax-payer, whilst legislation and regulation - attempts to control the industry - actually direct the sector towards these non-productive activities. This is a dangerous situation, as it misallocates society's capital, is the source of instability and inequality, and diverts resources from useful activities to itself. Finance and Sustainability highlights the theoretical functions of the finance sector in comparison to what it achieves in reality, combining financial theory and knowledge of industry practice to investigate where lending and investment are directed and how risks are managed. The author explores the developmental path of the global economy, to argue that it is inherently un-productive and unsustainable. This book proposes practical suggestions for practitioners and regulators which, if implemented, could bring about a more efficient, successful and useful financial sector.

商品描述(中文翻譯)

金融系統對我們的繁榮至關重要；沒有它，現代生活的許多方面將無法實現。然而，自其成立以來，內部人士的特權地位使得該系統容易受到濫用，經常導致金融醜聞、危機和資產泡沫。本書探討金融部門在多大程度上履行了有用的社會功能，以及其活動在多大程度上實際上是反生產性或對經濟造成損害。本書主張，近年來，整個金融系統的演變使得非生產性活動現在已經壓倒了其有用的社會目的。這些活動受到納稅人的補貼、保護和支持，而立法和監管——試圖控制行業的措施——實際上將該部門引導向這些非生產性活動。這是一個危險的情況，因為它錯誤配置了社會的資本，是不穩定性和不平等的根源，並將資源從有用的活動轉移到自身。金融與可持續性強調金融部門的理論功能與其實際成就之間的比較，結合金融理論和行業實踐的知識，調查貸款和投資的方向以及風險的管理。作者探討全球經濟的發展路徑，主張其本質上是非生產性和不可持續的。本書為從業者和監管者提出了實用建議，如果得以實施，將能夠帶來一個更高效、更成功和更有用的金融部門。

作者簡介

Nick Silver is an actuary and economist whose expertise includes pensions and insurance, risk management and sustainable finance, in particular working in developing economies. He is managing director of Callund Consulting Limited which for 40 years has advised governments on pensions, social protection and developing capital markets. Nick is a founder and director of Climate Bonds, which works with governments and investors to develop the green bond market. He has advised the UN, UK and EU on the carbon markets, climate finance in developing countries and managing risk from climate change. Nick is also a founder and director of Radix, the think tank of the radical centre. Nick is a visiting fellow at the London School of Economics and Cass Business School, UK, and lectures at Trinity College Dublin, Ireland, and City University, London, UK. Nick is a freeman of the City of London and was recently a member of council of the Institute and Faculty of Actuaries. Nick has authored a number of papers and articles and has been widely quoted in the national media on topics related to sustainable finance, pensions and government debt.



作者簡介(中文翻譯)

Nick Silver 是一位精算師和經濟學家，專長包括退休金和保險、風險管理以及可持續金融，特別是在發展中國家的工作。他是 Callund Consulting Limited 的董事總經理，該公司在過去 40 年中為政府提供有關退休金、社會保障和發展資本市場的建議。Nick 是 Climate Bonds 的創始人和董事，該機構與政府和投資者合作，發展綠色債券市場。他曾就碳市場、發展中國家的氣候金融以及應對氣候變化的風險管理向聯合國、英國和歐盟提供建議。Nick 也是 Radix 的創始人和董事，這是一個激進中心的智庫。Nick 是英國倫敦政治經濟學院和卡斯商學院的訪問研究員，並在愛爾蘭的都柏林三一學院和英國倫敦城市大學授課。Nick 是倫敦市的自由市民，最近曾擔任精算學會和精算學院的理事會成員。Nick 發表了多篇論文和文章，並在全國媒體上廣泛引用，涉及可持續金融、退休金和政府債務等主題。

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