此电影制作精良，对细节刻画到位，用浅显易懂的语言解释清楚复杂的金融工具运作原理。对各个美国政府官员以及各个华尔街巨头的个性、华尔街上各家的商业运作特征刻画得尤为入木三分。特别值得一提的是，雷曼兄弟总裁的自以为是与傲慢自大，雷曼的倒闭几乎是其个人对于形势的盲目乐观与错误判断导致雷曼错过最佳措施最佳时期而一手造成。令人发笑的是，证券交易委员会的主席面对危机处理的无能，南加州的本科+哈佛商学院的硕士+哈佛法学院的博士也无法教给他如何去和财政部长、雷曼兄弟总裁沟通，他在最后完全是服从汉克保尔森的指令做事而没有自己的想法与对策。他的样子不像是一个应该在危机中力挽狂澜的领导者应有的姿态而更像是中国教育体制下高分低能家庭宠溺的孩子第一次进入社会的样子。较为讽刺的是，汉克保尔森之前是高盛集团的总裁，在危机期间担当财政部长，他基本上就是在为自己以前的行为而买单。“用最聪明的罪犯去解决最难的犯罪问题”，解铃还需系铃人。令人感同身受的是，保尔森身居高位，因为担心危机问题无法得到较好的处理而夜晚无法睡眠，又由于信仰宗教问题，拒绝服用安眠药。缺少睡眠对身心的折磨以及需要时刻保持清醒头脑以应对严峻局势的折磨，这其实是华尔街每个人每一天的精神状态的真实写照。受人尊敬的身份以及光鲜靓丽的华尔街人外表背后往往是不为人知的日以继夜殚精竭虑的付出。
关于紧急筹资援助AIG对媒体的声明
Wall Street started bundling home loans together,mortgage-backed securities,and selling slices of those bundles to investors.And they were making big money.So they started pushing the lenders,saying,”come on,we need more loans.”The lenders had already given loans to borrowers with good credit,so they go bottom-feeding.They lower their criteria.Before,you needed a credit score of 620 and a down payment of 20%.Now,they’ll settle for 500,no money down.And the buyer,the regular guy on the street,assumes that the experts know what they are doing.He’s saying to himself,”if the bank’s willing to loan me money,I must be able to afford it.”So he reaches for the American dream.He buys that house.The bank knew securities based on shitbag mortgages were risky.So to control their downside,the banks started buying a kind of insurance.If mortgages default,insurance company pays,default swap.The banks insure their potential losses to move the risk off their books,so they can invest more,make more money.And while a lot of companies insured this stuff,one was dumb enough to take on an almost unbelievable amount of risk.AIG did that for hundreds of millions in fees.AIG figured the housing market would just keep going up,but then the unexpected happens.Housing prices go down.The poor bastard who bought his dream house,the teaser rate on his mortgage runs out.His payments go up.He defaults.Mortgage-backed securities tank.AIG has to pay off the swaps,all of them,all over the world,at the same time.AIG can’t pay.AIG goes under.Every bank they insure books massive losses on the same day.And then they all go under. The whole financial system comes down.No one wanted to regulate it before because the economic was just too good.
关于信任体系的崩塌
There’s not a bank in the world that has enough money in its vault to pay its depositors.It’s all built on trust.Morgan Stanley,Goldman are an inch away.If the other banks stop trusting them,if they pull back on interbank lending,it’s over in a matter of hours.And from there it goes too fast to stop a run and not just on that one bank.I mean, on the whole system.And average people wondering, “is my money safe?” They start pulling their cash.And after that lines outside the banks,smashed A.T.M.s. A couple of weeks,there’s no milk in the store.
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