普通人为啥要懂点“货币”?

币界网Published on 2024-08-22Last updated on 2024-08-22

币界网报道:


编者按:8月14日至20日,2024上海书展暨“书香中国”上海周在上海展览中心举行。其间,由解放日报·上观新闻出品的视频访谈节目“高访”,推出2024上海书展特别访谈系列节目,邀请知名作家、学者等走进访谈间,解读书中的“人文密码”。

本期,青年经济学者、FT中文网经济主编徐瑾,带来了新书《货币简史》,揭开货币的本质和运行逻辑。

马克思曾引用英国政治家、经济学家格莱斯顿的一句话:“受恋爱愚弄的人甚至还没有因钻研货币本质而受愚弄的人多。”

货币,到底是什么?

在大多数人眼中,货币就是一般等价物。事实上,信用才是隐藏在“一般等价物”背后的本质。

“货币很难懂,但又很重要。在我的公众号里,有一个读者说,他一直想搞清楚手里的这张‘纸’到底对应着怎样的商品和服务,凭什么能够决定很多人的命运。我深受触动。我想写一本通俗易懂的书,让货币尽可能对普通人友好一点。”徐瑾说。

在《货币简史》前,徐瑾“货币三部曲”的前两部——《白银帝国》《货币王者》先行问世,分别聚焦中国经济史和欧美中央银行,用专业的视角进行深入研讨。

2020年,《货币简史》初稿已经完成,但徐瑾没有急于付梓,而是在自己的公众号里做内测,并根据读者的反馈反复打磨。她发现货币相关专业术语佶屈聱牙,诸如M1、M2等概念许多人“无数次记住了含义,却又无数次把它忘掉”。

“记不住,是因为这个知识确实没有和你发生血肉联系。我们需要把这些字符放到经济框架中分析,而不是仅仅看到其中一个数据。短期的波动对于普通人来说意义不大,但当你真正理解它背后的经济学含义时,一切都会豁然开朗。”徐瑾说。

前些年,比特币大火,数字货币与传统货币的较量迎来高潮。在徐瑾看来,数字货币代表着未来,但能够走多远,并非取决于数字货币的信仰者。

“主流监管才是起决定性作用的。目前为止,数字货币还是一个有着较大风险的投资品。”徐瑾说,数字货币就像一个孩子,还没有定型,有无限的可能性。

“写过去的历史,是在回看一些可能的路径;写数字货币,我却身处在这段历史其中。能够参与、见证它的成长,我非常兴奋。”徐瑾说。

栏目主编:周文吉

来源:作者:俞宏浩

Related Reads

The Waged Worker Driven to Poverty by AI Subscriptions

"AI Membership: The Hidden Cost Pushing Workers Toward 'Poverty'" The widespread corporate push for AI adoption is creating a hidden financial burden for employees. Companies, from giants like Alibaba to small firms, are mandating AI use, often tying token consumption to KPIs, but frequently refuse to cover the costs. Workers are forced to pay for subscriptions out of pocket to stay competitive and avoid being replaced. Front-end developer Long Shen spends up to 2000 RMB monthly on tools like Cursor and ChatGPT Plus, seeing it as a necessary 3% salary investment to handle 90% of his coding tasks. While it boosted his performance and led to promotions, he now faces idle time at work, pretending to be busy. Designer Peng Peng navigates strict company firewalls by using personal devices and accounts for AI image generation tools like Midjourney, spending hundreds monthly without reimbursement, while her boss demands faster, more numerous revisions. The pressure creates workplace anxiety and suspicion. Programmer Li Huahua, after a friend's experience of raised KPIs following AI success, fears being branded a "traitor" for using it yet worries about falling behind if she doesn't. The dynamic allows management to demand results without understanding the tools or covering expenses, treating employees like AI "agents." While some, like entrepreneur Jin Tu, find high value in paid AI, building entire systems and winning competitions, for most, it's a trap. Free tools like Kimi and Doubao are introducing fees, closing off alternatives. The initial efficiency gains individual advantage, but as AI becomes ubiquitous, the personal edge disappears, workloads increase, and a cycle of dependency begins. Workers like Long Shen realize they cannot maintain AI-generated code without AI, making stopping harder than continuing to pay. The tool promising liberation is instead becoming a compulsory, costly chain in the modern workplace.

marsbit24m ago

The Waged Worker Driven to Poverty by AI Subscriptions

marsbit24m ago

SK Hynix's Trillion-Won Empire: The Successors

"SK Hynix's Trillion-Won Empire and Its Heirs" explores the unconventional succession narrative within SK Group, South Korea's second-largest conglomerate, following SK Hynix's dramatic market rise. Unlike traditional chaebol scripts prioritizing the eldest son, ownership, and political marriages, Chairman Choi Tae-won's three children from his first marriage are charting distinct paths. The eldest daughter, Choi Yun-jeong, is considered the most visible candidate. With a background in biology, consulting, and a PhD, she holds executive roles at SK Bioscience and SK Inc.'s growth strategy unit, focusing on biopharma and new businesses. Her marriage is to an AI infrastructure entrepreneur, not a traditional chaebol heir. The second daughter, Choi Min-jeong, took a unique route by voluntarily serving as a South Korean naval officer, including a tour in the Gulf of Aden. She later worked on policy and strategy for SK Hynix in Washington D.C. before co-founding an AI-driven healthcare startup in San Francisco. She married a former U.S. Marine Corps officer, connecting the family to U.S. defense and policy networks. The son, Choi In-geun, who has Type 1 diabetes, followed a more classic preparatory path with a physics degree and a stint at SK E&S but left to join McKinsey's Seoul office. He remains publicly silent and holds no SK shares, defying the traditional "crown prince" archetype. Their paths unfold against the backdrop of their parents' high-profile, contentious divorce and a record-setting asset division lawsuit. The article argues that as SK Hynix becomes a geopolitical asset in the AI era, the conventional rules of chaebol inheritance are changing. The heirs are being groomed not simply to take over, but to navigate a complex global landscape defined by AI, biotech, geopolitics, and policy, forging legitimacy through their own expertise and networks rather than birth order alone.

marsbit32m ago

SK Hynix's Trillion-Won Empire: The Successors

marsbit32m ago

BitMart Research Institute Weekly Highlights: A Comprehensive Review of Macro Environment, Crude Oil, AI Tech Stocks, and Crypto Market

**Weekly Market Review: Macro, Oil, AI Tech Stocks & Crypto Market** **Macroeconomic & Traditional Finance** The April U.S. Non-Farm Payrolls report of 115K new jobs exceeded expectations, but the data's quality was questioned. Growth was heavily concentrated in healthcare, while other sectors contracted, and manufacturing employment turned negative. A statistical model accounted for a large portion of the gains, conflicting with household survey data showing a loss of 226K jobs. Meanwhile, AI's impact on jobs is emerging, with information sector roles declining, though overall unemployment remains at ~4.3%. Oil prices hovered near $100 per barrel. Global oil buffer inventories have drawn down significantly, supporting prices, but high costs are suppressing demand. China's recent reduction in crude imports acted as a market stabilizer. Geopolitically, the U.S. and Iran are likely to reach a tentative agreement to keep the Strait of Hormuz open and avoid price spikes. For AI tech stocks, short-term prospects are mixed. A potential SpaceX IPO in June could pressure current index heavyweights like Nvidia, while smaller components might benefit. The mid-term focus shifts to Q2 earnings, emphasizing AI's return on investment. Long-term risks include potential election policy shifts and massive IPOs from companies like OpenAI, which could test the sector's sustainability. **Crypto Market & Ecosystem** Crypto markets rose moderately, with BTC climbing from ~$77K to ~$82K, driven by improved risk sentiment. Spot trading volumes remain low, but buying pressure is evident. ETF inflows continued (~$791M last week). However, institutional purchases of BTC and ETH were more modest than expected. The derivatives market shows lingering bearish bets, particularly on alts and ETH. A key trend is the "dual-track" model where projects pursue public listings for traditional funding while also building their own blockchains/tokens to capture crypto liquidity, as seen with Circle's ARC chain. Stablecoins and institutional chains present significant future opportunities. *Disclaimer: This is market analysis, not investment advice.*

marsbit1h ago

BitMart Research Institute Weekly Highlights: A Comprehensive Review of Macro Environment, Crude Oil, AI Tech Stocks, and Crypto Market

marsbit1h ago

Trading

Spot
Futures
活动图片