观点压力测试

A TEST CYNICALLY CALIBRATED TO FIX THE RESULT
自欺欺人的压力测试


FT专栏作家明肖:欧洲银行压力测试的整个机制是为了迎合结果设置的,只有不管怎样都必须重组的银行才会通不过,其结果可以说是没有意义的。

If you tried to test the safety of cars or children's toys using the same method the European Union applied in its stress tests on banks, you would end up in jail. How so? Simply because the testing mechanism was calibrated to fix the result. The purpose of the exercise was to ensure that the only banks that failed it were those that would have to be restructured anyway.

如果你试图用欧盟(EU)在银行压力测试中使用的同样方法,来检测汽车或儿童玩具的安全性,那你会被送进监狱的。何以见得?原因很简单:整个测试机制就是为了迎合结果而设置的。压力测试的目的,就是确保只有那些不管怎样都必须重组的银行才会通不过测试。

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