预约成功
Fin-Tech(节选)
捕鲸业透视金融科技创业(节选)
Safety in numbers
To ensure that they were not ruined by a few disastrous voyages, the whaling firms invested in multiple expeditions at the same time, much as the venture capitalists of today “spray and pray”. A study published in 1997 concluded that, of the 787 boats launched from New Bedford during the 18th century, 272 sank or were destroyed. The firm that belonged to George Howland was not atypical: of its 15 ships, between four and nine were at sea at any given moment. One was sunk by a whale, three lost at sea, two burned by their crews, one destroyed by a Confederate gunboat during America’s civil war and five abandoned in Arctic ice. Yet Howland died a millionaire in 1852.考生如果怕自己错过考试成绩查询的话,可以 免费预约短信提醒,届时会以短信的方式提醒大家报名和考试时间。
It helped that most of the whalers of New Bedford were strict Quakers, who prized frugality and shunned ostentation. This helped them not only husband their own capital, which was needed to finance voyages, but also to win over other investors. Hetty Howland Green, one of the richest agents, was said to have made her own shoes and to have owned only one dress.
数字上的安全
为了确保不被几次灾难性的航行所拖垮,捕鲸公司会同时投资多个探险,就像如今风险资本家“撒钱然后祈祷”那样。1997年出版的一份研究总结说,18世纪从新贝德福德下水的787艘船中,有272艘最终沉没或被摧毁。乔治·豪兰(George Howland)的公司并非个案:在任何时刻,它的15艘船里总会有4到9艘在海上航行。最后,1艘被鲸鱼撞沉、3艘在海上失踪、2艘被船员烧毁、1艘在美国南北战争期间被南军的炮艇击毁、5艘被遗弃在北极冰层中。然而,1852年豪兰去世时依然身家百万。
新贝德福德的捕鲸者大多数都是虔诚的贵格会教徒,他们珍视节俭、避免炫耀,这有所裨益。不仅令他们节俭地使用自己的资本(资助航行所需),还帮助他们吸引到其他投资者。最富有的代理人之一赫蒂·豪兰·格林(Hetty Howland Green)据说给自己做鞋,只有一套礼服。
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