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3 US economists win 2022 Nobel Prize in Economics_我的网站

A |     本文来自微信公众号：投资界 （ID：pedaily2012），作者：王露                    报道I投资界PEdaily                    一位靓丽面孔出现。                   近日，小米集团进行了新一轮人事调整，魏思琪担任小米中国区市场部总经理。

B |                    资料显示，魏思琪是一位85后东北女生，早年毕业于中央美术学院，于2013年加入小米，从产品经理岗位一路成长，如今迎来职业生涯新的里程碑。    Stockholm, Oct 10 (UNI) The Royal Swedish Academy of Sciences announced Monday that three US-based economists won the 2022 Nobel Memorial Prize in Economic Sciences “for research on banks and financial crises”.

The winners are Ben Bernanke, former head of the US Federal Reserve and currently with the Brookings Institution in Washington DC, Douglas Diamond of the University of Chicago and Philip Dybvig of Washington University in St. Louis, Missouri. The winners share a prize of about $900,000.

The nobelprize.org put out a release saying:

"Their discoveries improved how society deals with financial crises

"This year’s laureates in the Economic Sciences, Ben Bernanke, Douglas Diamond and Philip Dybvig, have significantly improved our understanding of the role of banks in the economy, particularly during financial crises. An important finding in their research is why avoiding bank collapses is vital.

"Modern banking research clarifies why we have banks, how to make them less vulnerable in crises and how bank collapses exacerbate financial crises. The foundations of this research were laid by Ben Bernanke, Douglas Diamond and Philip Dybvig in the early 1980s. Their analyses have been of great practical importance in regulating financial markets and dealing with financial crises.

"For the economy to function, savings must be channelled to investments. However, there is a conflict here: savers want instant access to their money in case of unexpected outlays, while businesses and homeowners need to know they will not be forced to repay their loans prematurely. In their theory, Diamond and Dybvig show how banks offer an optimal solution to this problem. By acting as intermediaries that accept deposits from many savers, banks can allow depositors to access their money when they wish, while also offering long-term loans to borrowers.

"However, their analysis also showed how the combination of these two activities makes banks vulnerable to rumours about their imminent collapse. If a large number of savers simultaneously run to the bank to withdraw their money, the rumour may become a self-fulfilling prophecy – a bank run occurs and the bank collapses. These dangerous dynamics can be prevented through the government providing deposit insurance and acting as a lender of last resort to banks.

"Diamond demonstrated how banks perform another societally important function. As intermediaries between many savers and borrowers, banks are better suited to assessing borrowers’ creditworthiness and ensuring that loans are used for good investments.

"Ben Bernanke analysed the Great Depression of the 1930s, the worst economic crisis in modern history. Among other things, he showed how bank runs were a decisive factor in the crisis becoming so deep and prolonged. When the banks collapsed, valuable information about borrowers was lost and could not be recreated quickly. Society’s ability to channel savings to productive investments was thus severely diminished.

"The laureates’ insights have improved our ability to avoid both serious crises and expensive bailouts,” says Tore Ellingsen, Chair of the Committee for the Prize in Economic Sciences.

The Nobel Memorial Prize in Economic Sciences was not included in Alfred Nobel's will, voanews.com reported.

It was established by the Swedish central bank in 1968 — and is officially the "Sveriges Riksbank Prize in Economic Sciences in memory of Alfred Nobel" to mark the bank’s 300th anniversary. It was first awarded in 1969 and has been funded by the bank since then.

UNI ING。                   回望这轮周期，小米股价起起伏伏，留给投资圈深刻印象。                   85后东北女生掌舵小米中国区市场部                    魏思琪是谁？                    公开资料显示，她出生于1988年，是位东北女生，毕业于中央美术学院。2013年加入小米集团，早期曾负责小米官网产品页设计及发布会PPT。

C |                    2018年，魏思琪加入小米CC团队，负责产品设计。次年，她第一次以产品经理身份登场小米发布会，讲解小米CC系列手机。雷军曾表示该系列属于全球年轻人的潮流手机，并介绍该团队是“小米内部最年轻的产品团队，他们有着天然的脑洞基因和跳脱的个性。”                    到了2021年，魏思琪接任小米数字系列产品线负责人。

D | 2024年，小米总裁卢伟冰曾提及魏思琪已参与小米SU7发布等汽车市场业务，并兼任两个岗位：小米手机市场部总经理和小米汽车市场部副总经理。

E |                    如今，魏思琪再次迎来职业生涯的里程碑，成为小米中国区市场部总经理。小米集团副总裁、CMO许斐发布了小米10月市场体系全员会的现场视频，视频透露了魏思琪担任小米中国区市场部总经理。

F |                    许斐对其赞赏有加，表示“这一年变化非常大，业务在不断进步，需要组织有相应的变化来适配。

G | 大家觉得最欣喜的，新任中国区市场部总经理魏思琪同学，带领整个团队打了一场战，打得非常漂亮。

H | ”                    而在魏思琪之前，小米中国区市场部总经理为王腾。今年9月8日，小米集团发布主题为《关于对中国区员工王腾违规违纪行为处理的通报》的内部邮件。该邮件指出，小米集团中国区市场部总经理王腾泄露公司机密信息，且存在利益冲突等严重违规违纪行为。根据相关制度规定，公司决定给予王腾辞退处分。

I |                    当日晚间，王腾在其微博账号上发文称：“很惭愧跟大家说声抱歉，过去犯了一些错误，接受该有的代价。感谢雷总和公司各位领导过去多年的培养和信任，非常不舍离开。未来仍然会一如既往地支持小米，支持REDMI。”                    随着王腾远去，在小米成长起来的魏思琪则正式登上舞台。                   小米多事之秋                    过去一年，小米始终处于浪头之上。                   先看最新财报，小米集团2025年第二季度营收1159.6亿元，创单季度营收历史新高，同比增长30.5%；经调整净利润为108亿元，创历史新高，同比增长75.4%。

J | 其中，小米智能手机业务收入为455亿元，最受市场关注的智能电动汽车及AI等创新业务分部收入突破200亿元。

K |                    股价令人印象深刻。2024年以来，伴随着小米SU7汽车问世，随后销量远超预期，在港股上市的小米，股价持续上涨。2024年1月至2025年5月下旬，小米股价从15港元/股涨到了最高近60港元/股，上涨近300%。                   高点出现在6月27日，在发布第二款量产车后，小米集团股价再创新高，股价一度涨至61.45港元/股。以此计算，小米集团市值约为1.59万亿港元。不过紧接着，股价接连回调。今年9月底，小米股价两日重挫10%，市值蒸发超千亿。                   截至10月21日午间收盘，小米股价报7.5港元/股，总市值达1.24万亿港元。                   诚然，从年初开始，中国资产价值重估热潮涌现，阿里、腾讯、小米等为代表的“中国科技七姐妹”崛起，财富效应随之显现。                   今年3月发布的《2025胡润全球富豪榜》，小米创始人雷军以2200亿元的财富位居全球第50位，较去年增长超过110%，这也是他首次跻身中国富豪榜前十。除雷军外，小米还有八位创始人及高管上榜。                   有意思的是，这轮行情背后还牵出一段长期押注。

L | 时间回到2018年，小米以每股17港元上市，首日即破发。次日，小鹏汽车创始人何小鹏在社交平台发文，称个人买入逾1亿美元小米股票，理由是“对好公司，市场恐惧的时候就是最好的时候”。

M |                    如今，这笔投资已持有六年多。                   几经起伏，潮起潮落。“小米一路摸爬滚打、跌宕起伏，还是毅然启动了造车、芯片和高端化……没什么好犹豫的。”正如雷军所说，五十来岁正是闯的年纪。

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Published on:04:58:54