[insidejob][监守自盗]英文字幕

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1、InsideJobIcelandisastabledemocracywithahighstandardofliving--and,untilrecently-andgovernmentdebt.Wehadthecompleteinfrastructureofamodernsociety.Cleanenergy,foodproduction.Fisherieswithaquotasystemtomanagethem.Goodhealthcare,education,cleanair.Notmuchcrime.It'sagoodplaceforfamiliestolive

2、.Wehadalmostend-of-historystatus.Butin2000,Iceland'sgovernmentbeganabroadpolicyofderegulation-disastrousconsequences-andthenfortheeconomy.TheystartedbyallowingmultinationalcorporationslikeAlcoa-aluminum-smeltingplants--andexploitlceland'sgeothermalandhydroelectricenergysources.Manyofthe

3、mostbeautifulareasinthehighlands-aregeothermal.Sonothingcomeswithoutconsequence.Atthesametime-Iceland'sthreelargestbanks.Theresultwasoneofthepurestexperiments-everconducted.Wehavehadenough.Howcouldallofthishappen?Financetookoverandmoreorlesswreckedtheplace.Inafive-yearperiod,thesethreet

4、inybanks-outsideoflceland--borrowed120billiondollars--10timesthesizeofIceland'seconomy.Thebankersshoweredmoneyonthemselves-Therewasamassivebubble.Stockpriceswentupbyafactorofnine.Housepricesmorethandoubled.Iceland'sbubblegaverisetopeoplelikeJonAsgeirJohannesson.Heborrowedbillionstobuyup

5、high-endretailbusinessesinLondon.Healsoboughtapinstripedprivatejet--a40-million-dollaryacht-Newspapersalwayshadtheheadline:Thismillionaireboughtthiscompany-orinFranceorwherever--insteadofsaying:Thismillionairetook>abillion-dollarloan--tobuythiscompany,andhetookitfromyourlocalbank."Theba

6、nkssetupmoneymarketfunds-deposit-holderstowithdrawmoney-inthemoneymarketfunds.ThePonzischemeneededeverythingitcould.AmericanaccountingfirmslikeKPMG-andinvestmentfirms-AndAmericancredit-ratingagenciessaidlcelandwaswonderful.InFebruary2007-tothehighestpossiblerate,triple-A.Itwentsofarasth

7、egovernmentheretravelingwiththebankers-WhenIceland'sbankscollapsedattheendof2008-insixmonths.ThereisnobodyunaffectedinIceland.Alotofpeoplelosttheirsavings.Yes,that'sthecase.Governmentregulatorswhoshould'vebeenprotectingthecitizens-Youhavetwolawyersfromtheregulatorgoingdowntoaba