Well, you got up in the morning,

你早上起床，

took a shower,

先去淋浴，

washed your hair,

洗洗頭髮，

used a hair dryer,

用了吹風機，

ate breakfast --

吃了早餐──

ate cereals, fruit, yogurt, whatever --

吃的是穀片、水果、優格、等等──

had coffee --

喝了咖啡

tea.

或茶。

You took public transport to come here,

你搭乘大眾交通工具到這裡，

or maybe used your private car.

或是開你自己的車過來。

You interacted with the company that you work for or that you own.

你和你上班的公司或是 你自己開的公司互動。

You interacted with your clients,

你和你的客戶互動，

your customers,

和你的顧客互動，

and so on and so forth.

諸如此類。

I'm pretty sure there are at least seven companies

我非常確定

you've interacted with today.

你今天至少和七間公司互動過。

Let me tell you a stunning statistic.

讓我告訴各位一個驚人的統計數據。

One out of seven large, public corporations

每七間大型的上市公司中

commit fraud every year.

每年會有一間犯下詐欺罪。

This is a US academic study that looks at US companies --

這是美國的學術研究， 調查的對象是美國的公司──

I have no reason to believe that it's different in Europe.

但我認為歐洲公司的情況類似。

This is a study that looks at both detected and undetected fraud

被發現、未被發現的詐欺 兩者都被調查研究，

using statistical methods.

使用的方法是統計。

This is not petty fraud.

不是小欺小騙。

These frauds cost the shareholders of these companies,

這些詐欺會造成公司股東的損失，

and therefore society,

因此也造成社會的損失，

on the order of 380 billion dollars per year.

每年損失約三千八百億美元。

We can all think of some examples, right?

我們都能想出一些例子，對嗎？

The car industry's secrets aren't quite so secret anymore.

汽車產業的秘密不再那麼秘密了。

Fraud has become a feature,

在金融服務業，

not a bug,

詐欺已經變成了一種特性，

of the financial services industry.

而不是錯誤。

That's not me who's claiming that,

並不是我自己在這麼說，

that's the president of the American Finance Association

是美國財務學會的會長

who stated that in his presidential address.

在他的會長演說當中說的。

That's a huge problem if you think about, especially,

如果你仔細想想， 這是個很大的問題，

an economy like Switzerland,

特別是在像瑞士這樣的經濟體中，

which relies so much on the trust put into its financial industry.

瑞士非常仰賴人們對其 金融業投入的信任。

On the other hand,

另一方面，

there are six out of seven companies who actually remain honest

七間中的六間事實上維持著誠信，

despite all temptations to start engaging in fraud.

它們抗拒了各種引誘 它們進行詐欺的誘惑。

There are whistle-blowers like Michael Woodford,

有像邁克爾伍德福特這樣的告密者，

who blew the whistle on Olympus.

他告了奧林巴斯的密。

These whistle-blowers risk their careers,

這些告密者賭上他們的職涯

their friendships,

和友情，

to bring out the truth about their companies.

揭露他們公司的真相。

There are journalists like Anna Politkovskaya

有像安娜波利特科夫 斯卡婭這樣的記者，

who risk even their lives to report human rights violations.

冒著生命危險去報導 違反人權的事件。

She got killed --

後來她被殺了──

every year,

每年，

around 100 journalists get killed

有大約一百名記者

because of their conviction to bring out the truth.

因為堅定地想要揭露真相而被殺害。

So in my talk today,

在今天這場演說，

I want to share with you some insights I've obtained and learned

我想和各位分享的是我過去十年間

in the last 10 years of conducting research in this.

在研究這個主題時 所學到的一些洞見。

I'm a researcher, a scientist working with economists,

我是個研究者、科學家，

financial economists,

合作的對象有經濟學家、

ethicists, neuroscientists,

金融經濟學家、

lawyers and others

倫理學家、神經科學家、 律師，以及其他的人。

trying to understand what makes humans tick,

我嘗試要了解是什麼在驅使人類，

and how can we address this issue of fraud in corporations

以及我們如何處理 企業內的詐欺議題，

and therefore contribute to the improvement of the world.

因而對改善世界貢獻一份心力。

I want to start by sharing with you two very distinct visions

一開始，我想分享兩個 非常不同的看法，

of how people behave.

對於人的行為的看法。

First, meet Adam Smith,

首先，來見見亞當史密斯，

founding father of modern economics.

現代經濟學之父。

His basic idea was that if everybody behaves in their own self-interests,

他的基本想法是： 如果每個人都依自身利益而行，

that's good for everybody in the end.

最終，那對每個人而言都是好的。

Self-interest isn't a narrowly defined concept

自身利益不是一個 定義很狹隘的觀念，

just for your immediate utility.

不是只為了立即的功利。

It has a long-run implication.

它有著長期的意涵。

Let's think about that.

我們來想想這一點。

Think about this dog here.

想想圖上的這隻狗。

That might be us.

牠可能就是我們。

There's this temptation --

圖上有著誘惑──

I apologize to all vegetarians, but --

我要向所有的素食者道歉，但──

(Laughter)

（笑聲）

Dogs do like the bratwurst.

狗確實喜歡臘腸。

(Laughter)

（笑聲）

Now, the straight-up, self-interested move here

這裡最直接、最以 自身利益為主的做法，

is to go for that.

就是去取得臘腸。

So my friend Adam here might jump up,

所以我的朋友亞當，可能會跳上去，

get the sausage and thereby ruin all this beautiful tableware.

取得臘腸，因而把 所有的美麗餐具都給毀了。

But that's not what Adam Smith meant.

但那並不是亞當史密斯的意思。

He didn't mean disregard all consequences --

他並不是說要不顧一切的後果──

to the contrary.

其實相反。

He would have thought,

他會想，

well, there may be negative consequences,

也許會有負面的後果，

for example,

比如，

the owner might be angry with the dog

主人可能會對狗發怒，

and the dog, anticipating that, might not behave in this way.

而狗能預期到這一點， 就不會做出這個行為。

That might be us,

那可能就是我們，

weighing the benefits and costs of our actions.

權衡我們每個行動的利益和成本。

How does that play out?

那會產生什麼結果？

Well, many of you, I'm sure,

我相信，在座許多人，

have in your companies,

在你們的公司裡，

especially if it's a large company,

特別是大公司裡，

a code of conduct.

會有「行為準則」。

And then if you behave according to that code of conduct,

如果你根據行為準則來做事，

that improves your chances of getting a bonus payment.

就能讓你比較有機會得到獎金。

And on the other hand, if you disregard it,

另一方面，如果你漠視它，

then there are higher chances of not getting your bonus

就比較有可能得不到獎金，

or its being diminished.

或是獎金會縮水。

In other words,

換言之，

this is a very economic motivation

這是個非常經濟的動機，

of trying to get people to be more honest,

試圖讓人們更誠實，

or more aligned with the corporation's principles.

或是更符合公司的原則。

Similarly, reputation is a very powerful economic force, right?

同樣地，名聲也是種非常 強大的經濟力量，對吧？

We try to build a reputation,

我們試圖建立名聲，

maybe for being honest,

也許是誠實的名聲，

because then people trust us more in the future.

因為這樣做，人們將來會更信任我們。

Right?

對嗎？

Adam Smith talked about the baker

亞當史密斯談到一個麵包師傅，

who's not producing good bread out of his benevolence

他為那些消費者製作好的麵包，

for those people who consume the bread,

並不是出於善心，

but because he wants to sell more future bread.

而是因為他想要在未來 能賣出更多麵包。

In my research, we find, for example,

在我的研究中，我們發現，比如，

at the University of Zurich,

在蘇黎世大學，

that Swiss banks who get caught up in media,

瑞士銀行被捲入媒體當中，

and in the context, for example,

例如在逃稅或稅務詐欺的情況下，

of tax evasion, of tax fraud,

有很糟的媒體報導。

have bad media coverage.

他們就會在未來失去淨新增資金，

They lose net new money in the future

因此賺的利潤就會減少。

and therefore make lower profits.

那是非常強大的名聲力量。

That's a very powerful reputational force.

利益和成本。

Benefits and costs.

世界上有另一種觀點。

Here's another viewpoint of the world.

來見見伊曼努爾康德，

Meet Immanuel Kant,

十八世紀的明星德國哲學家。

18th-century German philosopher superstar.

他發展出了這個概念：

He developed this notion

和結果無關，

that independent of the consequences,

有些行為就是對的，

some actions are just right

有些就是錯的。

and some are just wrong.

比如，說謊就是錯的。

It's just wrong to lie, for example.

所以，來見見我的朋友伊曼努爾。

So, meet my friend Immanuel here.

牠知道香腸非常可口，

He knows that the sausage is very tasty,

但牠打算調頭走開， 因為牠是條好狗。

but he's going to turn away because he's a good dog.

牠知道跳上去是錯的，

He knows it's wrong to jump up

有可能會打破所有這些漂亮的餐具。

and risk ruining all this beautiful tableware.

如果你相信人們會被 這樣的動機驅使，

If you believe that people are motivated like that,

那麼所有關於獎勵的一切，

then all the stuff about incentives,

那麼所有關於行為準則、 獎金制度等等的一切，

all the stuff about code of conduct and bonus systems and so on,

就不是很有道理了。

doesn't make a whole lot of sense.

人們被不同的價值觀驅使，也許吧。

People are motivated by different values perhaps.

所以人們的動機到底是什麼？

So, what are people actually motivated by?

這裡的兩位先生有著完美的髮型，

These two gentlemen here have perfect hairdos,

但他們給我們非常不同的世界觀。

but they give us very different views of the world.

對此，我們該怎麼辦？

What do we do with this?

嗯，我是經濟學家，

Well, I'm an economist

而我們會進行所謂的實驗， 來處理這個議題。

and we conduct so-called experiments to address this issue.

我們會剝除在現實中讓我們困惑的事實，

We strip away facts which are confusing in reality.

現實非常的豐富， 有太多事情在發生，

Reality is so rich, there is so much going on,

幾乎不可能知道 什麼真正驅動人類的行為。

it's almost impossible to know what drives people's behavior really.

所以，讓我們一起來做個小實驗。

So let's do a little experiment together.

想像下面的情境。

Imagine the following situation.

你單獨在一間房間中，

You're in a room alone,

不像這裡這麼多人。

not like here.

有一個五法郎硬幣， 就像我手上的這個，

There's a five-franc coin like the one I'm holding up right now

硬幣就在你面前。

in front of you.

你得到的指示是：

Here are your instructions:

擲硬幣四次，

toss the coin four times,

接著，在你面前的電腦終端機上，

and then on a computer terminal in front of you,

輸入硬幣出現反面的次數。

enter the number of times tails came up.

情境就是這樣。

This is the situation.

難處在這裏：

Here's the rub.

每次你宣佈你擲出了反面，

For every time that you announce that you had a tails throw,

你就會得到五法郎。

you get paid five francs.

所以如果你說我擲出兩次反面，

So if you say I had two tails throws,

你就會得十法郎。

you get paid 10 francs.

如果你說你沒擲出反面， 你就會得到零法郎。