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  • Thank you. Thank you Jason for inviting this Jason.

    謝謝主辦人Jason邀請了也是Jason的我參加今天的活動

  • And of course the clicker would be good to have.

    當然若有投影片搖控器的話就更棒了

  • But thank you. Thank you for also inviting me into your life experience.

    不過謝謝大家,謝謝你們邀請我一同參予你們的人生旅程

  • It's been a long time since I spent Zhongqiu Jie with friends in Taiwan.

    我已經很久沒有在台灣和朋友一起過中秋節了

  • So it's very exciting for me.

    所以我非常開心

  • And I apologize for speaking in English, even though Chinese is my mother tongue.

    很抱歉我得用英文演講,雖然說中文是我的母語

  • But I'm more comfortable speaking in English , since I've been living in the state for the last 28 years.

    但我用英文講的話會比較自在,因為我已經在美國待了28年了

  • So many of you with no doubt have heard that the occupy Wall Street movemen.

    我想在場很多人都聽過「占領華爾街」這個活動

  • Know about the 99% vs the 1%.

    大家都知道「99% vs 1%」的狀況

  • At the very ugly core of it. The conversation has become "You vs Me"

    最糟的是,整起事件已演變為「你我之間的戰爭」

  • I'm very concerned.

    我對此感到十分憂慮

  • Partly that conversation has risked of developing into a French Revolution like outcome.

    一方面是擔心這會演變成像法國大革命一樣的情況

  • Where the poor really doesn't have nothing to eat but the rich.

    貧困的人到最後窮到只能反噬富人

  • I'm also concerned for very self-serving reason. I'm part of that 1%.

    而我擔憂的理由也非常自私,因為我就是那1%的一份子

  • I'm a business owner. I worked in the finance industry.

    我是一個企業家,我從事金融工作

  • I actually teach finance to MBA students in the state who want to go work on Wall Street.

    我在美國還是位企管碩士老師,我教學生怎麼擠進華爾街

  • It pains me to know that what I do, what I make, what I've saved.

    我一切的所作所為及財富都困擾著我

  • Things that I thought would be very attractive to girls and their parents.

    那些我原本認為對異性和長輩們來說,非常加分的條件…

  • These are now things that pit me against 99% of my fellow men.

    如今卻成了使我和其他99%大眾對立的標籤

  • When I thought about this. I thought maybe I can help reduce the tension.

    而當我在思考這個情況時,我想或許我有辦法緩和這場紛爭的情緒

  • Putting on my economist head, perhaps by helping people to understand...

    或許可以用經濟學家的身分,讓大家了解到...

  • that it's quite natural, even desirable in a market-based economy to have income and wealth inequality.

    薪資和貧富差距在市場導向的經濟上是很正常,甚至是理想的狀態

  • If I could help people understand that. Maybe I could bridge the gap between the 99% and that 1%.

    若我能讓大家都了解到這一點,或許我就能讓這99%和1%重修舊好

  • Putting together in a presentation, my friends came to me and he told me...

    而在一次演說中,我的朋友對我說...

  • "How dare you! Someone who represents the finance fat cat think that you have any right to justify or rationalize income inequality!"

    「你還真有臉,身為金融業肥貓,你憑什麼為薪資不均的現象背書?」

  • "Everything you say is buy and sell serving!"

    「你們永遠只知道買進和賣出!」

  • And I panic. What I thought could have been my 15 minutes of TED fame could easily turn into a live time of internet infamy.

    我完全不知所措,一場我原以為能像TED一樣風光的15分鐘演講,竟能輕而易舉地讓我遺臭萬年

  • What am I going to do?

    我該怎麼辦?

  • So it's my plan. I come to you today not posing as an economist with deep understanding that economic inequality.

    所以我想了一個方法,今天我和大家面對面,卸下經濟學家的專業知識和頭銜

  • Not offering a solution. In fact I have no interest in even judging inequality to be bad.

    我並不打算提出解決方案,事實上,我也完全沒興趣評論所謂的貧富不均

  • Instead I invite you to conversation with me to explore this topic with different perspective.

    我是想邀大家和我一起討論,以一個另類的角度來看待這件事

  • So, let's take a look at the very basic statistic about inequality.

    我們先來看一下「不均」情況下的基本數據

  • It's absolutely true that top 20% owns about 93% of all financial wealth.

    無庸置疑地,前20%的富人掌握了93%的金融資產

  • When you look at the statistic. You can't help yourself sympathize with the sum of poor have nothing to eat but the rich.

    當看這個數據時,我們會情不自禁地同情那些窮人的處境

  • But then, when you look on the consumption side. The bottom 80%, despite having only 7% of the assets, actually consume about 70% of total output.

    但當你看到消費數據時,底層的80%的人,雖只握有7%的資產財富,卻占了整體消費的70%

  • If we take a look on the income side.

    若將視線轉到薪資收入上

  • What you would see is a fairly familiar story.

    你會看到一個非常熟悉的畫面

  • The top 20% of the higher earner makes about 15 times more than the bottom 20%.

    金字塔頂端20%的高薪階級賺的錢是底層20%的15倍左右

  • But yet their consumption is roughly about twice as high.

    但兩者間的消費力差距卻僅約1倍

  • So the enormous gap on income side doesn't quite fully translate in the consumption differences.

    所以薪資差距的情況並非完全和消費差距畫上等號

  • Of course, all of us know that income inequality has grown quite a bite over time.

    當然我們都知道薪資不均的狀況日益嚴重

  • Roughly by about 10% per annum over last many decades.

    差距在過去十年內以每年10%的速度持續擴大

  • Again, puzzling enough, consumption differentials have not moved up by the same token.

    再度讓人感到不解的是,消費指數的差異並未隨之改變

  • So what's going on here?

    究竟發生了什麼事?

  • Interesting enough.

    值得玩味的是...

  • Apparently the wealthy are so in love with money that they spend most of their time making more money instead of consuming.

    顯然有錢人對錢愛不釋手,比起消費,他們花大多數的時間賺更多錢

  • So they're not actually crowding out goods and services from the rest of us.

    因此他們其實並沒有排擠到其他人的資源

  • But that's not really the point.

    但這不是重點所在

  • After all consumption is about what we buy.

    畢竟消費指的是我們所購買的產品

  • An ultra high net worth might spend a quarter of million dollars to buy a Bentley.

    一個家財萬貫的富豪可以花千萬台幣買一台賓利車

  • The average household buys a Camry at 1/10 of the price.

    多數家庭的Camry僅是其價格的十分之一

  • I was told by the Birkin bag costs about a thousand times more than the average fashion bag.

    我之前聽到柏金包的價格是普通名牌包的一千倍

  • I'm not a girl, but I don't think that makes you look a thousand times sexier.

    我不是女生,但我不認為一個包包可以讓性感指數提高一千倍

  • For the men who chuckle in audience.

    而在場竊笑的男性觀眾朋友必須知道...

  • We men are the worst. This is the latest Breuget. It's about 10,000 times more expensive than a normal Timex.

    我們男人才是萬惡淵首,這是最新的寶璣(Breuget)名錶,價格約比天美時(Timex)的手錶貴上一萬倍

  • And I can assure you that it doesn't make you 10,000 times a man.

    我確信戴上那只錶也不會讓你帥上一萬倍

  • But it doesn't about how much we spend.

    但重點並不在於我們花多少錢

  • At the end of the day it's about happiness.

    到頭來,幸福快樂才是最重要的

  • It's about what we buy and we consume.

    這是關於我們買東西跟消費的行為

  • And oddly enough. The research shows that above certain level.

    奇怪的是,研究顯示...

  • There's almost no difference in the happiness between he who has lots of money and he who's not.

    有錢人和窮人的快樂度其實並無顯著差異

  • That's interesting.

    這倒是很有意思

  • If it's not about happiness. If it's not about the consequence of income and wealth inequality .

    若和快樂、薪水或財富不均無關

  • Then I'm very confused as an economist.

    身為一個經濟學家的我確實對此感到疑惑

  • I find it authentic when people say they do believe the wealthy are more happier and more purposeful.

    我認同有錢人們過著更快樂、更有目標生活的論點

  • And I don't think that it's the case that somehow the 1% has so exploited the system and taken everything.

    但我不認同金字塔頂端1%的這些人就得和貪婪無厭、壓榨剝削畫上等號

  • So the mass is nothing but to eat the rich.

    導致其他99%的人窮到一無所有,只能反噬富人

  • Then what is it?

    所以這究竟怎麼回事?

  • As I take my head off as an economist and began to explore and feel this conversation as a human being.

    當我褪去了經濟學家光環、純粹以身為人類的角度來探討、發掘問題後...

  • I started to understand what is in our collective soul.

    我才了解到深藏在人類心中的想法

  • It's about unfairness.

    一切都是「不公平」的想法在作祟

  • It's not about what the income buys us.

    並不在於那些我們用薪水買的東西

  • It's actually about the income tells us.

    在於薪水所代表的一切

  • About us and another men.

    在於你我之間的比較

  • We no longer expect the capital market to assign prices to coordinate economy activities.

    我們不再依賴資本市場制定價格進行經濟活動

  • We actually have outsource to the market economy to set prices to the worth of human beings.

    我們已經能訂定「一個人的價值」

  • The price of a Birkin bag is no longer about supply and demand.

    柏金包的價值已完全和市場供需理論脫節

  • The price of a Birkin bag now tells you the worth of your life and the quality of your experience.

    柏金包變成了象徵一個人人生及經歷價值的證明

  • No wonder you're angry.

    怪不得大家會如此忿忿不平

  • You're angry when you see the wage of school teachers significantly lower than the wage of bankers.

    我們因學校老師的薪水遠不如銀行家而憤怒

  • You're angry when you see a doctor being pay less than a plastic surgeon.

    我們生氣,是因為一個醫生賺的比整型科還少

  • When you look deep inside, when you say that the wage of school teachers is too low, is unjust.

    當我們捫心自問,我們為老師薪水過低而打抱不平

  • Do you really object to the supply and demand of school teachers?

    我們是以經濟市場、教師供需原則的角度來討論嗎?

  • Or say something more fundamental.

    更深入基準面來說

  • Is it that you finally realize hypocrisy.

    我們是否終於意識到了人性虛偽的那一面

  • Despite all that you say, deep down in your heart, you judge another man by the 0 in his bank account.

    儘管我們嘴上囔囔,在我們心中,我們終究還是以存款數目來評斷一個人的價值

  • And despite everything you try, deep down inside you cling to the belief that more money is a better experience.

    不管我們怎麼努力,我們還始終還是認為愈有錢人生就愈美好

  • So you're sitting in those seats and you think naively that if I could only join a protest and give a school teacher a higher salary then I can give him a better life.

    大家安然地坐在位置上,天真地認為若加入抗爭行列,替老師爭取加薪的權力,就能賦予他更美好的人生

  • The high income earners are going to try their very best to convince you that they're smarter, they're better, they're mightier because they have a bigger picture.

    但高薪族會費盡心思,想辦法告訴你,他們之所以有著聰穎非凡的頭銜,是因為他們有著與眾不同的願景

  • But yet, it's us who dignify that shallow expression of a human experience by raging against their paychecks, products and Mercedes.

    到頭來我們才是用薪水、商品、賓士車之類膚淺價值觀來評斷人類價值的元凶

  • When you have chosen to engage in a battle field defined by dollars, you've already lost.

    當你選擇加入這場用鈔票來定義價值的戰爭,你早就已經輸了

  • The market system actually needs you to believe that.

    市場導向的體制也確實希望人們抱持著這樣的價值觀

  • It needs you to believe that you lack, you're insufficient.

    它需要大家永遠都不會知道什麼叫滿足

  • So that you'll punch in 10 hours a day and wake up to do it all over again tomorrow.

    這樣你才會一天花10個小時努力工作,日復一日地持續下去

  • I can share with you, the example of John D. Rockefeller.

    我要和你們分享富豪約翰洛克斐勒的例子

  • Rockefeller literally had more money than god himself.

    洛克斐勒的家產富可敵國

  • But when he was asked "Mr. Rockefeller, what do you need to be happy?"

    當有人問他:「洛克斐勒先生,請問要怎樣才能讓您感到快樂?」

  • To which he responded "Just a little bit more."

    他回道:「再多賺一點」

  • You can choose to be that.

    你可以選擇那樣的生活方式

  • If so whether you are the rich or if you eat the rich.

    但若是如此,不管你是有錢人還是反噬富人的窮人

  • You will not satisfy your hunger.

    你永遠都無法獲得滿足

  • But there's a different way.

    另一種方式是...

  • You can choose to believe that you have enough.

    你可以選擇相信自己已衣食無虞

  • You have everything need to experience this human life, to be this wonderful amazing creature of possibilities.

    身為不可思議的人類、有著無限可能的你,已具備了體驗這趟人生旅程的基本條件

  • Not defined by what you made, by what you spent, by what you have, but defined by who you are and what you are becoming each every day.

    不從你的成就、花費或你所擁有的一切來定義,而是由你的人生哲學及每一天的蛻變來決定你的價值

  • And when you choose that, it becomes possible for the each of us to relate each other.

    當你選擇了這種方式,人與人之間的關係便不再是對立

  • Not from the 99% vs 1% but I say a whole complete 100%.

    世界將不再是99% vs 1%,而是無私、完整的100%

  • I'm Jason Hsu and I'm 100%.

    我是許仲翔,我屬於100%

Thank you. Thank you Jason for inviting this Jason.

謝謝主辦人Jason邀請了也是Jason的我參加今天的活動

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A2 初級 中文 不均 消費 薪水 薪資 差距 價值

【TEDx】跨界創新,品格富足:許仲翔 (Jason Hsu) at TEDxTaipei 2012 (跨界創新,品格富足:許仲翔 (Jason Hsu) at TEDxTaipei 2012)

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    Henry Huang 發佈於 2014 年 10 月 05 日
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