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Ask HN: What would our world's tech be like without our flawed financial system?

11 点作者 cstanley大约 10 年前
A recent Economist article explored &quot;What&#x27;s wrong with finance&quot; -http:&#x2F;&#x2F;www.economist.com&#x2F;blogs&#x2F;buttonwood&#x2F;2015&#x2F;05&#x2F;finance-and-economics In the article a finance professor is quoted saying “at the current state of knowledge there is no theoretical reason to support the notion that all the growth of the financial sector in the last 40 years has been beneficial to society.”<p>As an example, todays VC environment would look quite different if interest rates were not near 0% and as a result, the products of this environment would also look quite different. Less resources in tech development = less tech development. Now, this is the result of central bank policy printing cash in an attempt to save a recession and spur growth and investors search for yield.<p>But lets think pre 2008 when the majority of the growth of the financial sector was from financial innovation&#x2F;engineering - IRS, MBS, ABS, the whole option market!, to name a few - the type of growth that the professor is saying is not beneficial to society. Surely this growth also had an impact on our investment in technology through easier credit and better tools for risk mitigation.<p>So this poses two questions:<p>1. Without the fortunate&#x2F;unfortunate (you decide) growth of our financial system, how would our world&#x27;s tech stack be different? Would it?<p>2. Assuming that a smaller financial system would have less technology, is this better for society?<p>Edit: 2. Assuming that a <i>world with a</i> smaller financial system would have less technology, is this better for society?

6 条评论

jackgavigan大约 10 年前
I was CTO of a dot-com in 2000 when the Bubble first. We had to close the company down and I ended up taking a contract setting up web servers and application servers and doing the security for online trading systems at Deutsche Bank. I discovered that investment banks are very quick to embrace new technologies that give them a competitive edge over their competitors. At the time, that included techology and software that was coming out of the Internet sector - I personally deployed Red Hat Linux, Apache&#x2F;Stronghold, Netscape web server, Tomcat, Weblogic and nCipher during the 2000-&#x27;02 timeframe.<p>So, there&#x27;s no doubt in my mind that a significant chunk of revenues found its way from the investment banks to companies like Red Hat and Netscape. Whether that was a &quot;make or break&quot; contribution is another question. They may have contributed to the success of a company like Red Hat but I think it would be a stretch to say that Red Hat would not have been successful without orders from the financial sector.<p>As well as financial innovation (i.e. creating CDS, CDOs, etc.), the investment banks and hedge funds also do technology innovation. They were crunching &quot;Big Data&quot; more than a decade before it became a buzzword, and using clusters and grid computing, graphics cards and FPGAs long before Bitcoin arrived on the scene. Go read <i>The Predictors</i> by Thomas A Bass, to read how a group of chaos scientists made a killing in the futures markets.<p>Some of those technologies end upo making their way into wider use but, while their contribution to the world&#x27;s tech stack is significant, I think it&#x27;s dwarfed by the new technologies that are created by non-financial-focused companies, like Apple and Tesla.<p>On the second question, I would question your assumption. One of the ways the financial system could shrink in size is through technology.<p>But, going with your assumption, my answer would be &quot;Probably.&quot;
cstanley大约 10 年前
I asked this question, and based the responses I think I may have de-emphasized the type of &#x27;fat-financial&#x27; system and its effects that I was getting at. I was mainly talking about the expansion of credit (creation of the american consumer) and advanced financial engineering that has allowed that. The housing bubble wouldn&#x27;t have occurred without MBS product. Credit would not be as easy without ABS.<p>I don&#x27;t think there is a &#x27;clear&#x27; answer, but personally I think the tech world has benefited <i>very</i> much from these innovations. Creating consumers of technology, access to credit, access to financial tools that allow large corporations to use as profit seeking enterprises (i.e. Google has an interest rates trading team).<p>After thinking about this for a bit, without a definition for what &quot;all the growth in the financial system&quot; means, its really hard to distill what the affects would have been and what financial innovations we&#x27;d be without. A better question would be without the MBS market... or, without IRS...
rajacombinator大约 10 年前
The opportunities in tech right now are not interest rate driven ... They are tech driven. If the finance&#x2F;political world were &quot;fixed&quot; you would see vastly more resources in tech as people were shifted out of unproductive sectors of the economy (eg. Housing, finance, govt corruption).
eli_gottlieb大约 10 年前
I might be very biased, personally, but I think technology would be better off if the NSF and DARPA had controlled more money than Wall Street, since I tend to think real technology development comes from research before companies are even formed.
Canada大约 10 年前
Even without considering the tech bubble, hardware probably wouldn&#x27;t be as good or cheap as it is today without the demand directly created by big finance.<p>Whether this is ultimately beneficial to mankind is a matter of personal taste.
bigphishy大约 10 年前
I think the world wide web has become commercialized and monetized, and quality has suffered because of this.
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