{"id":443,"date":"2008-09-29T16:35:23","date_gmt":"2008-09-29T20:35:23","guid":{"rendered":"http:\/\/blogs.law.harvard.edu\/guorui\/?p=443"},"modified":"2008-09-29T16:35:23","modified_gmt":"2008-09-29T20:35:23","slug":"if-no-one-saw-this-coming-they-were-not-looking","status":"publish","type":"post","link":"https:\/\/archive.blogs.harvard.edu\/guorui\/2008\/09\/29\/if-no-one-saw-this-coming-they-were-not-looking\/","title":{"rendered":"\u201c\u8bf4\u6ca1\u6709\u770b\u5230\u5371\u673a\u5230\u6765\u7684\u4eba\uff0c\u5b9e\u9645\u4e0a\u6839\u672c\u6ca1\u7741\u773c\u5728\u770b\u3002\u201d"},"content":{"rendered":"<p>\u7ebd\u7ea6\u65f6\u62a5\u548c\u534e\u5c14\u8857\u65e5\u62a5\u4eca\u5929\u540c\u65f6\u520a\u767b\u4e00\u7bc7\u6587\u7ae0 <a title=\"\u91d1\u878d\u5371\u673a\u8d77\u6e90\" href=\"http:\/\/www.nytimes.com\/2008\/09\/29\/business\/media\/29carr.html\"><em>Daring to Say Loans Made No Sense<\/em><\/a>\uff0c \u8bb2\u7684\u662fAlex Blumberg\u57282006\u5e74&#8211;\u91d1\u878d\u5371\u673a\u8fd8\u6ca1\u6709\u5f71\u5b50\u7684\u65f6\u5019\u2014\u2014\u5c31\u5236\u4f5c\u4e13\u9898\u8282\u76ee\u5bf9\u7f8e\u56fd\u623f\u8d37\u95ee\u9898\u63d0\u51fa\u5c16\u9510\u8d28\u95ee\u3002\u5f53\u7136\uff0c\u5e76\u6ca1\u6709\u4eba\u7406\u776c\u4ed6\u7684\u8d28\u95ee\u3002<\/p>\n<p>\uff08\u8282\u76ee\u53ef\u5728\u5982\u4e0b\u5730\u5740\u4e0b\u8f7d\uff1a<a href=\"http:\/\/thislife.org\/Radio_Episode.aspx?sched=1242\" target=\"_\">thislife.org\/Radio_Episode.aspx?sched=1242<\/a>\uff09<\/p>\n<p>Alex Blumberg\u4e0d\u660e\u767d\uff0c\u4e3a\u4ec0\u4e48\u90a3\u4e9b\u6839\u672c\u6ca1\u6709\u53ef\u80fd\u8fd8\u8d37\u6b3e\u7684\u4eba\u4f1a\u5f97\u5230\u623f\u5c4b\u8d37\u6b3e\u3002\u201c\u65e0\u9700\u6536\u5165\u3001\u65e0\u9700\u8d44\u4ea7\uff0c\u4e0d\u9700\u8981\u4efb\u4f55\u8bc1\u660e\uff0c\u53ea\u9700\u8981\u4f60\u6709\u4fe1\u7528\u8bb0\u5f55\uff0c\u52a0\u4e0a\u4f60\u7684\u8109\u640f\u8fd8\u5728\u8df3\u52a8\u5c31\u53ef\u4ee5\u4e86\u3002\u201d\uff08\u201cNo income, no asset. You don\u2019t have to state anything. Just have a credit score and a pulse.\u201d \uff09\u8fd9\u5c31\u662f\u5f53\u65f6Alex Blumberg\u6240\u770b\u5230\u7684\u623f\u8d37\u5e02\u573a\u3002\u751a\u81f3\uff0c\u8fde\u540e\u4e00\u4e2a\u6761\u4ef6\u4e5f\u662f\u53ef\u4ee5\u4e0d\u8981\u7684\uff0cAlex Blumberg\u53d1\u73b0\u4fc4\u4ea5\u4fc4\u5dde\u670923\u4e2a\u6b7b\u4eba\u7684\u8d37\u6b3e\u4e5f\u7ed9\u6279\u51c6\u4e86\u3002<\/p>\n<p>\u8fd9\u4e9b\u4ece\u4e00\u5f00\u59cb\u5c31\u5f88\u8352\u5510\u7684\u8d37\u6b3e\uff0c\u662f\u4eca\u5929\u6240\u6709\u91d1\u878d\u5371\u673a\u7684\u6839\u6e90\uff0c\u6ca1\u6709\u4ec0\u4e48\u9ad8\u6df1\u83ab\u6d4b\u7684\u7684\u539f\u56e0\u3002\u5a92\u4f53\u4e5f\u62a5\u9053\u4e86\uff0c\u5f88\u591a\u4eba\u4e5f\u8bfb\u5230\u4e86\uff0c\u53ea\u662f\u4ed6\u4eec\u89c6\u800c\u4e0d\u89c1\u800c\u5df2\u3002<\/p>\n<p>\u201c\u8bf4\u6ca1\u6709\u770b\u5230\u5371\u673a\u5230\u6765\u7684\u4eba\uff0c\u5b9e\u9645\u4e0a\u6839\u672c\u6ca1\u7741\u773c\u5728\u770b\u3002\u201d<\/p>\n<p>\uff08If no one saw this coming, they were not looking. \uff09<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7ebd\u7ea6\u65f6\u62a5\u548c\u534e\u5c14\u8857\u65e5\u62a5\u4eca\u5929\u540c\u65f6\u520a\u767b\u4e00\u7bc7\u6587\u7ae0 Daring to Say Loans Made No Sense\uff0c \u8bb2\u7684\u662fAlex Blumberg\u57282006\u5e74&#8211;\u91d1\u878d\u5371\u673a\u8fd8\u6ca1\u6709\u5f71\u5b50\u7684\u65f6\u5019\u2014\u2014\u5c31\u5236\u4f5c\u4e13\u9898\u8282\u76ee\u5bf9\u7f8e\u56fd\u623f\u8d37\u95ee\u9898\u63d0\u51fa\u5c16\u9510\u8d28\u95ee\u3002\u5f53\u7136\uff0c\u5e76\u6ca1\u6709\u4eba\u7406\u776c\u4ed6\u7684\u8d28\u95ee\u3002 \uff08\u8282\u76ee\u53ef\u5728\u5982\u4e0b\u5730\u5740\u4e0b\u8f7d\uff1athislife.org\/Radio_Episode.aspx?sched=1242\uff09 Alex Blumberg\u4e0d\u660e\u767d\uff0c\u4e3a\u4ec0\u4e48\u90a3\u4e9b\u6839\u672c\u6ca1\u6709\u53ef\u80fd\u8fd8\u8d37\u6b3e\u7684\u4eba\u4f1a\u5f97\u5230\u623f\u5c4b\u8d37\u6b3e\u3002\u201c\u65e0\u9700\u6536\u5165\u3001\u65e0\u9700\u8d44\u4ea7\uff0c\u4e0d\u9700\u8981\u4efb\u4f55\u8bc1\u660e\uff0c\u53ea\u9700\u8981\u4f60\u6709\u4fe1\u7528\u8bb0\u5f55\uff0c\u52a0\u4e0a\u4f60\u7684\u8109\u640f\u8fd8\u5728\u8df3\u52a8\u5c31\u53ef\u4ee5\u4e86\u3002\u201d\uff08\u201cNo income, no asset. You don\u2019t have to state anything. Just have a credit score and a pulse.\u201d \uff09\u8fd9\u5c31\u662f\u5f53\u65f6Alex Blumberg\u6240\u770b\u5230\u7684\u623f\u8d37\u5e02\u573a\u3002\u751a\u81f3\uff0c\u8fde\u540e\u4e00\u4e2a\u6761\u4ef6\u4e5f\u662f\u53ef\u4ee5\u4e0d\u8981\u7684\uff0cAlex Blumberg\u53d1\u73b0\u4fc4\u4ea5\u4fc4\u5dde\u670923\u4e2a\u6b7b\u4eba\u7684\u8d37\u6b3e\u4e5f\u7ed9\u6279\u51c6\u4e86\u3002 \u8fd9\u4e9b\u4ece\u4e00\u5f00\u59cb\u5c31\u5f88\u8352\u5510\u7684\u8d37\u6b3e\uff0c\u662f\u4eca\u5929\u6240\u6709\u91d1\u878d\u5371\u673a\u7684\u6839\u6e90\uff0c\u6ca1\u6709\u4ec0\u4e48\u9ad8\u6df1\u83ab\u6d4b\u7684\u7684\u539f\u56e0\u3002\u5a92\u4f53\u4e5f\u62a5\u9053\u4e86\uff0c\u5f88\u591a\u4eba\u4e5f\u8bfb\u5230\u4e86\uff0c\u53ea\u662f\u4ed6\u4eec\u89c6\u800c\u4e0d\u89c1\u800c\u5df2\u3002 \u201c\u8bf4\u6ca1\u6709\u770b\u5230\u5371\u673a\u5230\u6765\u7684\u4eba\uff0c\u5b9e\u9645\u4e0a\u6839\u672c\u6ca1\u7741\u773c\u5728\u770b\u3002\u201d \uff08If no one saw this &hellip; <a href=\"https:\/\/archive.blogs.harvard.edu\/guorui\/2008\/09\/29\/if-no-one-saw-this-coming-they-were-not-looking\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":242,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1011,1713,1016],"tags":[],"class_list":["post-443","post","type-post","status-publish","format-standard","hentry","category-comments-on-news","category-in-chinese","category-1016"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/posts\/443","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/users\/242"}],"replies":[{"embeddable":true,"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/comments?post=443"}],"version-history":[{"count":0,"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/posts\/443\/revisions"}],"wp:attachment":[{"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/media?parent=443"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/categories?post=443"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/archive.blogs.harvard.edu\/guorui\/wp-json\/wp\/v2\/tags?post=443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}