Money, Bank Credit, and Economic Cycles pdf epub mobi txt 电子书 下载 2026
- 奥地利学派
- 经济学
- 金融
- 自由主义
- 经济史
- 经济
- Economics
- Business_Cycle
- 经济周期
- 货币
- 银行信用
- 金融
- 宏观经济学
- 经济学
- 商业周期
- 信贷
- 货币政策
- 金融危机
具体描述
Can the market fully manage the money and banking sector?
Jesús Huerta de Soto, professor of economics at the Universidad Rey Juan Carlos, Madrid, has made history with this mammoth and exciting treatise that it has and can again, without inflation, without business cycles, and without the economic instability that has characterized the age of government control.
Such a book as this comes along only once every several generations: a complete comprehensive treatise on economic theory. It is sweeping, revolutionary, and devastating--not only the most extended elucidation of Austrian business cycle theory to ever appear in print but also a decisive vindication of the Misesian-Rothbardian perspective on money, banking, and the law.
Jörg Guido Hülsmann has said that this is the most significant work on money and banking to appear since 1912, when Mises's own book was published and changed the way all economists thought about the subject.
Its five main contributions:
a wholesale reconstruction of the legal framework for money and banking, from the ancient world to modern times,
an application of law-and-economics logic to banking that links microeconomic analysis to macroeconomic phenomena,
a comprehensive critique of fractional-reserve banking from the point of view of history, theory, and policy,
an application of the Austrian critique of socialism to central banking,
the most comprehensive look at banking enterprise from the point of view of market-based entrepreneurship.
Those are the main points but, in fact, this only scratches the surface. Indeed, it would be difficult to overestimate the importance of this book. De Soto provides also a defense of the Austrian perspective on business cycles against every other theory, defends the 100% reserve perspective from the point of view of Roman and British law, takes on the most important objections to full reserve theory, and presents a full policy program for radical reform.
It was Hülsmann's review of the Spanish edition that inspired the translation that led to this Mises Institute edition in English. The result is astonishing: an 875-page masterpiece that utterly demolishes the case for fiat currency and central banking, and shows that these institutions have compromised economic stability and freedom, and, moreover, are intolerable in a free society.
De Soto has set new scholarly standards with this detailed discussion of monetary reform from an Austro-libertarian point of view. Huerta de Soto’s solid elaboration of his arguments along these lines makes his treatise a model illustration of the Austrian approach to the study of the relationship between law and economics.
It could take a decade for the full implications of this book to be absorbed but this much is clear: all serious students of these subject matters will have to master this treatise.
875 page hardback
CONTENTS
Preface to the English-Language Edition
Preface to the Second Spanish Edition
Introduction
Chapter 1: The Legal Nature of the Monetary Irregular-Deposit Contract
A Preliminary Clarification of Terms: Loan Contracts (Mutuum and Commodatum)and Deposit Contracts
The Commodatum Contract
The Mutuum Contract
The Deposit Contract
The Deposit of Fungible Goods or "Irregular" Deposit Contract
The Economic and Social Function of Irregular Deposits
The Fundamental Element in the Monetary Irregular Deposit
Resulting Effects of the Failure to Comply with the Essential Obligation in the Irregular Deposit
Court Decisions Acknowledging the Fundamental Legal Principles which Govern the Monetary Irregular-Deposit Contract (100-Percent Reserve Requirement)
The Essential Differences Between the Irregular Deposit Contract and the Monetary Loan Contract
The Extent to Which Property Rights are Transferred in Each Contract
Fundamental Economic Differences Between the Two Contracts
Fundamental Legal Differences Between the Two Contracts
The Discovery by Roman Legal Experts of the General Legal Principles Governing the Monetary Irregular-Deposit Contract
The Emergence of Traditional Legal Principles According to Menger, Hayek and Leoni
Roman Jurisprudence
The Irregular Deposit Contract Under Roman Law
Chapter 2: Historical Violations of the Legal Principles Legal Principles Governing the Monetary Irregular-Deposit Contract
Introduction
Banking in Greece and Rome
Trapezitei, or Greek Bankers
Banking in the Hellenistic World
Banking in Rome
The Failure of the Christian Callistus's Bank
The Societates Argentariae
Bankers in the Late Middle Ages
The Revival of Deposit Banking in Mediterranean Europe
The Canonical Ban on Usury and the "Depositum Confessatum"
Banking in Florence in the Fourteenth Century
The Medici Bank
Banking in Catalonia in the Fourteenth and Fifteenth Centuries: The Taula de Canvi
Banking During the Reign of Charles V and the Doctrine of the School of Salamanca
The Development of Banking in Seville
The School of Salamanca and the Banking Business
A New Attempt at Legitimate Banking: The Bank of Amsterdam.
Banking in the Seventeenth and Eighteenth Centuries
The Bank of Amsterdam
David Hume and the Bank of Amsterdam
Sir James Steuart, Adam Smith and the Bank of Amsterdam
The Banks of Sweden and England
John Law and Eighteenth-Century Banking in France
Richard Cantillon and the Fraudulent Violation of the Irregular-Deposit Contract
Chapter 3: Attempts to Legally Justify Fractional-Reserve Banking
Introduction
Why it is Impossible to Equate the Irregular Deposit with the Loan or Mutuum Contract
The Roots of the Confusion
The Mistaken Doctrine of Common Law
The Doctrine of Spanish Civil and Commercial Codes
Criticism of the Attempt to Equate the Monetary Irregular-Deposit Contract with the Loan or Mutuum Contract
The Distinct Cause or Purpose of Each Contract
The Notion of the Unspoken or Implicit Agreement
An Inadequate Solution: The Redefinition of the Concept of Availability
The Monetary Irregular Deposit, Transactions with a Repurchase Agreement and Life Insurance Contracts
Transactions with a Repurchase Agreement
The Case of Life Insurance Contract
Chapter 4: The Credit Expansion Process
Introduction
The Bank's Role as a True Intermediary in the Loan Contract
The Bank's Role in the Monetary Bank-Deposit Contract
The Effects Produced by Bankers' Use of Demand Deposits: The Case of an Individual Bank
The Continental Accounting System
Accounting Practices in the English-speaking World
An Isolated Bank's Capacity for Credit Expansion and Deposit Creation
The Case of a Very Small Bank
Credit Expansion and Ex Nihilo Deposit Creation by a Sole, Monopolistic Bank
Credit Expansion and New Deposit Creation by the Entire Banking System
Creation of Loans in a System of Small Banks
A Few Additional Difficulties
When Expansion is Initiated Simultaneously by All Banks
Filtering Out the Money Supply From the Banking System
The Maintenance of Reserves Exceeding the Minimum Requirement
Different Reserve Requirements for Different Types of Deposits
The Parallels Between the Creation of Deposits and the Issuance of Unbacked Banknotes
The Credit Tightening Process
Chapter 5: Bank Credit Expansion and Its Effects on the Economic System
The Foundations of Capital Theory
Human Action as a Series of Subjective Stages
Capital and Capital Goods
The Interest Rate
The Structure of Production
Some Additional Considerations
Criticism of the Measures used in National Income Accounting
The Effect on the Productive Structure of an Increase in Credit Financed under a Prior Increase in Voluntary Saving
The Three Different Manifestations of the Process of Voluntary Saving
Account Records of Savings Channeled into Loans
The Issue of Consumer Loans
The Effects of Voluntary Saving on the Productive Structure
First: The Effect Produced by the New Disparity in Profits Between the Different Productive Stages
Second: The Effect of the Decrease in the Interest Rate on the Market Price of Capital Goods
Third: The Ricardo Effect
Conclusion: The Emergence of a New, More Capital-Intensive Productive Structure
The Theoretical Solution to the "Paradox of Thrift"
The Case of an Economy in Regression
The Effects of Bank Credit Expansion Unbacked by an Increase in Saving: The Austrian Theory or Circulation Credit Theory of the Business Cycle
The Effects of Credit Expansion on the Productive Structure
The Market's Spontaneous Reaction to Credit Expansion
Banking, Fractional-Reserve Ratios and the Law of Large Numbers
Chapter 6: Additional Considerations on the Theory of the Business Cycle
Why no Crisis Erupts when New Investment is Financed by Real Saving (And Not by Credit Expansion)
The Possibility of Postponing the Eruption of the Crisis: The Theoretical Explanation of the Process of Stagflation
Consumer Credit and the Theory of the Cycle
The Self-Destructive Nature of the Artificial Booms Caused by Credit Expansion: The Theory of "Forced Saving"
The Squandering of Capital, Idle Capacity and Malinvestment of Productive Resources
Credit Expansion as the Cause of Massive Unemployment
National Income Accounting is Inadequate to Reflect the Different Stages in the Business Cycle
Entrepreneurship and the Theory of the Cycle
The Policy of General-Price-Level Stabilization and its Destabilizing Effects on the Economy
How to Avoid Business Cycles: Prevention of and Recovery from the Economic Crisis
The Theory of the Cycle and Idle Resources: Their Role in the Initial Stages of the Boom
The Necessary Tightening of Credit in the Recession Stage: Criticism of the Theory of "Secondary Depression"
The "Manic-Depressive" Economy: The Dampening of the Entrepreneurial Spirit and Other Negative Effects Recurring Business Cycles Exert on the Market Economy
The Influence Exerted on the Stock Market by Economic Fluctuations
Effects the Business Cycle Exerts on the Banking Sector
Marx, Hayek and the View that Economic Crises are Intrinsic to Market Economies
Two Additional Considerations
Empirical Evidence for the Theory of the Cycle
Business Cycles Prior to the Industrial Revolution
Business Cycles From the Industrial Revolution Onward
The Roaring Twenties and the Great Depression of 1929
The Economic Recessions of the Late 1970s and Early 1990s
Some Empirical Testing of the Austrian Theory of the Business Cycle
Conclusion
Chapter 7: A Critique of Monetarist and Keynesian Theories
Introduction
A Critique of Monetarism
The Mythical Concept of Capital
Austrian Criticism of Clark and Knight
A Critique of the Mechanistic Monetarist Version of the Quantity Theory of Money
A Brief Note on the Theory of Rational Expectations
Criticism of Keynesian Economics
Say's Law of Markets
Keynes's Three Arguments On Credit Expansion
Keynesian Analysis as a Particular Theory
The So-Called Marginal Efficiency of Capital
Keynes's Criticism of Mises and Hayek
Criticism of the Keynesian Multiplier
Criticism of the "Accelerator" Principle
The Marxist Tradition and the Austrian Theory of Economic Cycles: The Neo-Ricardian Revolution and the Reswitching Controversy
Conclusion
Appendix on Life Insurance Companies and Other Non-Bank Financial Intermediaries
Life Insurance Companies as True Financial Intermediaries
Surrender Values and the Money Supply
The Corruption of Traditional Life-Insurance Principles
Other True Financial Intermediaries: Mutual Funds and Holding and Investment Companies
Specific Comments on Credit Insurance
Chapter 8: Central and Free Banking Theory
A Critical Analysis of the Banking School
The Banking and Currency Views and the School of Salamanca
The Response of the English-Speaking World to these Ideas on Bank Money
The Controversy Between the Currency School and the Banking School
The Debate Between Defenders of the Central Bank and Advocates of Free Banking
Parnell's Pro-Free-Banking Argument and the Responses of McCulloch and Longfield
A False Start for the Controversy Between Central Banking and Free Banking
The Case for a Central Bank
The Position of the Currency-School Theorists who Defended a Free-Banking System
The "Theorem of the Impossibility of Socialism" and its Application to the Central Bank
The Theory of the Impossibility of Coordinating Society Based on Institutional Coercion or the Violation of Traditional Legal Principles
The Application of the Theorem of the Impossibility of Socialism to the Central Bank and the Fractional-Reserve Banking System
(a) A System Based on a Central Bank Which Controls and Oversees a Network of Private Banks that Operate with a Fractional Reserve
(b) A Banking System which Operates with a 100-Percent Reserve Ratio and is Controlled by a Central Bank
(c) A Fractional-Reserve Free-Banking System
Conclusion: The Failure of Banking Legislation
A Critical Look at the Modern Fractional-Reserve Free-Banking School
The Erroneous Basis of the Analysis: The Demand for Fiduciary Media, Regarded as an Exogenous Variable
The Possibility that a Fractional-Reserve Free-Banking System May Unilaterally Initiate Credit Expansion
The Theory of "Monetary Equilibrium" in Free Banking Rests on an Exclusively Macroeconomic Analysis
The Confusion Between the Concept of Saving and that of the Demand for Money
The Problem with Historical Illustrations of Free-Banking Systems
Ignorance of Legal Arguments
Conclusion: The False Debate between Supporters of Central Banking and Defenders of Fractional-Reserve Free Banking
Chapter 9: A Proposal for Banking Reform: The Theory of a 100-Percent Reserve Requirement
A History of Modern Theories in Support of a 100-Percent Reserve Requirement
The Proposal of Ludwig von Mises
F.A. Hayek and the Proposal of a 100-Percent Reserve Requirement
Murray N. Rothbard and the Proposal of a Pure Gold Standard with a 100-Percent Reserve Requirement
Maurice Allais and the European Defense of a 100-Percent Reserve Requirement
The Old Chicago-School Tradition of Support for a 100-Percent Reserve Requirement
Our Proposal for Banking Reform
Total Freedom of Choice in Currency
A System of Complete Banking Freedom
The Obligation of All Agents in a Free-Banking System to Observe Traditional Legal Rules and Principles, Particularly a 100-Percent Reserve Requirement on Demand Deposits
What Would the Financial and Banking System of a Totally Free Society be Like?
An Analysis of the Advantages of the Proposed System
Replies to Possible Objections to our Proposal for Monetary Reform
An Economic Analysis of the Process of Reform and Transition toward the Proposed Monetary and Banking System
A Few Basic Strategic Principles
Stages in the Reform of the Financial and Banking System
The Importance of the Third and Subsequent Stages in the Reform: The Possibility They Offer of Paying Off the National Debt or Social Security Pension Liabilities
The Application of the Theory of Banking and Financial Reform to the European Monetary Union and the Building of the Financial Sector in Economies of the Former Eastern Bloc
Conclusion: The Banking System of a Free Society
Bibliography
Index of Subjects
Index of Names
作者简介
赫苏斯•韦尔塔•德索托 （J.Huerta de Soto 1956— ） 奥地利学派著名的经济学家，马德里康普顿斯大学政治经济学终身教授，胡安•卡洛斯国王大学博士生导师。1983年获“胡安•卡洛斯国王国际奖”。2005年获亚当•斯密奖终身成就奖。著有《社会主义、经济计算与企业家才能》（Socialism,Economic Calculation and Entrepreneurship）（吉林出版集团，2011年1月），《奥地利学派：市场秩序与企业家才能》（The Austrian School：Market Order and Entreprenearial Creativity）（浙江大学出版社，2010年11月）等。
目录信息
读后感
--利息与存款是格格不入的。哈耶克25岁时候提出的“活期存款100%准备金制度”在被阿姆斯特丹银行坚守了150多年之后，也消逝了。-- 作为一个金融从业者，很惭愧，我从来没有真正思考过经济为什么会有周期，马克思所说的“经济危机是资本主义社会固有的”这句话到底有没有道理...
评分作者说修改会计准则就会改变经济现状。无法认可，会计只是一个信息工具，并不能对经济产生如此大的影响。1929年的时候会计准则以历史成本为主，也没有阻止经济危机的发生。 作者提出完全自由的市场经济的观点，但是他首要依据就是错误的，无数实践证明完全自由的市场经济会导致...
评分--利息与存款是格格不入的。哈耶克25岁时候提出的“活期存款100%准备金制度”在被阿姆斯特丹银行坚守了150多年之后，也消逝了。-- 作为一个金融从业者，很惭愧，我从来没有真正思考过经济为什么会有周期，马克思所说的“经济危机是资本主义社会固有的”这句话到底有没有道理...
评分作者说修改会计准则就会改变经济现状。无法认可，会计只是一个信息工具，并不能对经济产生如此大的影响。1929年的时候会计准则以历史成本为主，也没有阻止经济危机的发生。 作者提出完全自由的市场经济的观点，但是他首要依据就是错误的，无数实践证明完全自由的市场经济会导致...
评分作者说修改会计准则就会改变经济现状。无法认可，会计只是一个信息工具，并不能对经济产生如此大的影响。1929年的时候会计准则以历史成本为主，也没有阻止经济危机的发生。 作者提出完全自由的市场经济的观点，但是他首要依据就是错误的，无数实践证明完全自由的市场经济会导致...
用户评价
在研究金融史的过程中，我越来越意识到银行在现代经济体系中的核心地位。它不仅仅是资金的存放场所，更是信贷的创造者，其行为模式直接影响着实体经济的融资成本和投资活动。书名中的“Bank Credit”让我产生了极大的兴趣，因为我认为它是理解经济周期波动的一个关键切入点。我曾阅读过不少关于金融危机爆发的文章，其中银行信贷的过度扩张和随后的突然收缩往往是导火索。我希望这本书能够深入分析银行信贷的创造机制，以及它与货币供应量之间微妙的联系。例如，银行是如何通过放贷来“创造”货币的？这种创造过程在经济繁荣时期和经济衰退时期又有何不同？我期待书中能够提供一些具体的模型或理论，来解释银行信贷的波动如何传导到实体经济，并最终引发或加剧经济周期的起伏。我尤其对那些能够揭示银行行为背后激励机制的分析感兴趣，因为只有理解了银行为何会做出某些信贷决策，我们才能更好地理解经济周期的运作。
评分我对那些能够将复杂的经济理论与实际的经济现象联系起来的著作情有独钟。书名中的“Economic Cycles”直接点明了其研究对象，而“Money”和“Bank Credit”则暗示了作者可能从货币和信贷的角度来剖析经济周期的成因。在此之前，我曾接触过关于经济周期不同学派的观点，包括对技术进步、外部冲击以及内生性因素的解释。我一直认为，货币和信贷的波动在经济周期中扮演着至关重要的角色，但如何精确地描绘这种关系，以及它们在多大程度上决定了周期的幅度和频率，是我一直试图深入理解的。我希望这本书能够提供一个清晰的框架，来阐述货币供应量的变化、银行信贷的扩张与收缩，是如何与实体经济的投资、消费以及资产价格相互作用，从而导致经济出现繁荣与萧条的交替。我期待书中能够包含对历史性经济周期的案例分析，比如不同时期的金融危机，以及在这些事件中，货币和信贷所发挥的具体作用。
评分这本书的书名是《Money, Bank Credit, and Economic Cycles》，我一直对金融市场的运作原理以及货币供应量对经济周期的影响有着浓厚的兴趣。在阅读这本书之前，我曾涉猎过不少关于宏观经济学和货币理论的著作，包括一些经典的大师级作品，也接触过一些侧重于实证分析和模型构建的现代学术论文。我了解，货币的供给、银行信贷的扩张与收缩，以及这些因素如何与经济的繁荣和衰退相互交织，是一个复杂且至关重要的课题。我对于研究者如何将理论框架与现实世界的复杂性相结合，来解释例如通货膨胀、资产泡沫、金融危机等现象，感到非常好奇。同时，我也对不同经济学流派对这些问题的看法差异，以及它们各自的理论基础和政策建议充满了求知欲。这本书的名字直指核心，似乎承诺了对这些深刻问题的深入剖析，并且可能还会揭示一些不为人知的联系，或者提供一种看待经济周期的新视角。我希望书中能够提供清晰的逻辑链条，用严谨的论证来支撑其观点，并且能够让我对“为什么”和“如何”产生更深刻的理解，而不是仅仅停留在对现象的描述上。毕竟，理解经济周期的驱动因素，对于个人投资决策、企业战略规划乃至政府宏观调控都具有不可估量的价值。我期待着这本书能够给我带来启发，让我能够更透彻地洞察经济运行的内在规律。
评分经济周期一直是宏观经济学研究的焦点之一，而“Economic Cycles”这个词组直接表明了这本书的核心主题。在此之前，我接触过许多关于经济增长、衰退、扩张和收缩的理论，包括传统的凯恩斯主义、货币主义以及更近期的真实经济周期理论。我深知，经济周期的存在是不可避免的，但其驱动因素却复杂多变，涉及技术进步、政治因素、国际贸易、以及最重要的——货币和信贷。我非常好奇这本书会如何定义和解释经济周期，它是否会提出一种新的周期划分方法，或者对已有的理论进行修正和补充。我特别关注的是，作者是否会深入分析导致经济周期波动的主要根源，是需求侧的冲击，还是供给侧的因素，或者两者兼而有之。而且，在我看来，货币和信贷的动态变化与经济周期的相互作用是理解这一现象的关键。这本书的名字似乎强调了这种联系，我希望它能提供一个整合性的框架，解释货币和信贷的波动是如何引发或加剧经济周期的。我期待能够在这个过程中，获得更深刻的洞察，理解为什么经济会经历繁荣与萧条的交替，以及我们是否能够通过理解这些周期来更好地应对未来的经济挑战。
评分我对金融市场和宏观经济之间的相互作用一直抱有极大的好奇心。我曾经阅读过一些关于金融资产价格波动、投资行为以及它们如何影响实体经济的文章和书籍。在我看来，金融市场并非孤立存在，而是与实体经济紧密相连，并且相互影响。而货币和信贷，作为金融市场的核心要素，更是起着至关重要的作用。我对书中会如何探讨货币发行、银行信贷以及它们与资产价格之间的复杂联动关系感到非常期待。例如，当中央银行增加货币供应量时，这是否会导致资产价格的上涨？而资产价格的上涨又是否会进一步刺激信贷的扩张？这种循环往复的机制是如何塑造经济周期的？我希望这本书能够提供一个清晰的理论模型，来解释这些相互作用，并且能够用历史数据和案例来佐证其观点。我尤其对那些能够揭示出金融市场“非理性”行为背后逻辑的分析感兴趣，因为在我看来，很多时候经济周期的剧烈波动都与金融市场的过度反应有关。我希望通过阅读这本书，能够更深入地理解金融市场在经济周期中的“放大器”作用，以及货币和信贷如何成为这种放大的驱动力。
评分作为一个对经济学理论和实践都感兴趣的读者，我对“Money”这个词的含义和功能有着持续的关注。我曾经学习过不同经济学派对货币的定义，包括其作为交易媒介、记账单位和价值储藏的功能。但我总觉得，货币在经济周期中所扮演的角色，远不止这些基本功能那么简单。我迫切希望这本书能够深入探讨货币的创造过程，以及货币供应量的变化如何影响整体经济活动。例如，当货币供应量快速增加时，是否必然会导致通货膨胀？而通货膨胀的出现又会对经济周期产生怎样的影响？我期待书中能够提供一些关于货币政策有效性的论证，以及在不同经济环境下，货币政策应该如何调整才能更好地稳定经济。我希望能够从这本书中获得关于货币与经济周期之间相互作用的更深层次的理解，尤其是在现代金融体系中，货币的形态和流动性是如何变化的，以及这些变化如何影响经济的稳定性和增长。我希望它能提供一种清晰且具有说服力的解释，让我能够更好地理解货币在经济运行中的核心地位。
评分在我看来，理解经济周期的本质，是掌握宏观经济运行规律的关键。而“Money, Bank Credit, and Economic Cycles”这个书名，似乎预示着作者将从货币和银行信贷这两个核心要素入手，来解构经济周期的形成机制。我曾经涉猎过一些关于货币理论和金融学的内容，了解货币供应量的变化可能对通货膨胀和经济增长产生影响，也知道银行信贷的扩张与收缩是企业和个人融资的重要渠道。然而，如何将这些要素清晰地串联起来，形成一个完整的解释经济周期波动的理论模型，是我一直希望找到答案的问题。我期待书中能够深入探讨货币是如何被创造出来的，以及银行信贷在其中的具体作用。比如，当货币供应量快速增长时，它是否必然导致资产价格的泡沫，进而引发经济的过热？又或者，当银行收紧信贷时，是否会扼杀企业的投资热情，导致经济走向衰退？我希望这本书能够提供一个令人信服的论证，让我能够深刻理解货币和信贷在经济周期中扮演的角色，以及它们如何共同驱动着经济的涨落。
评分自从读过一些关于中央银行货币政策传导机制的文献后，我一直对商业银行在整个金融体系中的关键角色感到着迷。书名中的“Bank Credit”部分立刻吸引了我，因为它直接触及到了我的关注点。我曾阅读过一些关于银行挤兑、贷款发放标准以及资产负债表管理对货币供应影响的探讨，但往往感觉这些分析停留在表面，或者缺乏一个统一的理论框架来解释它们如何共同作用形成经济周期。我尤其关注的是，银行信贷的扩张是否总是伴随着经济的繁荣，以及在经济下行时，信贷收缩又会产生怎样的连锁反应。书中是否会深入探讨银行的风险偏好、监管环境以及它们与企业投资和居民消费之间的动态关系，是我非常期待的。我希望作者能够提供一些具体的案例研究，来说明不同历史时期和不同国家银行业在经济周期中的具体表现。例如，1929年的大萧条，或者2008年的金融危机，其中银行信贷扮演了怎样的角色？本书能否提供一种新的模型或分析工具，帮助我们更清晰地理解银行信贷的“数量”和“质量”如何共同影响经济的波动？我希望这本书能够填补我在这一领域的知识空白，并为我提供一个更全面、更具洞察力的视角来审视银行在经济周期中的作用。
评分我一直对那些能够提供对金融体系深刻洞察的书籍充满兴趣。在我看来，货币和银行信贷是构成现代金融体系的基石，而它们的变动又是影响经济周期的关键因素。书名中的“Money, Bank Credit, and Economic Cycles”直接触及了我一直以来关注的几个核心问题。我曾阅读过一些关于货币创造、银行监管以及货币政策传导机制的文章，但总感觉这些分析往往是碎片化的，缺乏一个统一的理论框架来将它们有机地联系起来。我非常希望这本书能够填补这一空白，为我提供一个关于货币、银行信贷和经济周期之间相互作用的全面而深刻的解释。例如，我期待书中能够详细阐述银行是如何通过其信贷活动来影响货币供应量的，以及这种货币和信贷的变动是如何影响企业投资、居民消费以及资产价格的，最终导致经济的繁荣和衰退。我希望作者能够提供严谨的论证和翔实的证据，让我能够真正理解这些看似抽象的经济概念是如何在现实世界中发挥作用，并且是如何塑造经济周期的。
评分我一直对经济学研究中那些能够揭示深层联系和因果关系的著作感到着迷。书名中“Money, Bank Credit, and Economic Cycles”这几个词语组合在一起，似乎暗示了一种强烈的因果关系，即货币和银行信贷的变化是导致经济周期波动的主要原因。我曾经阅读过一些强调货币因素在经济周期中作用的理论，例如奥地利学派的一些观点，以及货币主义的论调。我特别关注的是，这本书是否会提供一种不同于主流经济学的新颖视角，来解释这些因素是如何相互作用并最终导致繁荣与萧条的循环。我期待书中能够详细阐述货币的创造过程，以及银行信贷扩张和收缩对实体经济的具体影响。例如，当银行放松信贷条件时，是否会鼓励过度的投资和消费，从而埋下经济衰退的种子？反之，当银行收紧信贷时，又会对企业和个人造成怎样的冲击？我希望这本书能够提供一个严谨的理论框架，并辅以充分的历史证据，来论证货币和信贷在经济周期中的决定性作用，从而帮助我更深刻地理解经济波动的根源。
评分奥地利学派的东西其实都是正确和好理解的，可是必然输给凯恩斯学派，它要do nothing，另一个要do something，请问政客要怎么选？
评分奥地利学派的东西其实都是正确和好理解的，可是必然输给凯恩斯学派，它要do nothing，另一个要do something，请问政客要怎么选？
评分奥地利学派的东西其实都是正确和好理解的，可是必然输给凯恩斯学派，它要do nothing，另一个要do something，请问政客要怎么选？
评分奥地利学派的东西其实都是正确和好理解的，可是必然输给凯恩斯学派，它要do nothing，另一个要do something，请问政客要怎么选？
评分奥地利学派的东西其实都是正确和好理解的，可是必然输给凯恩斯学派，它要do nothing，另一个要do something，请问政客要怎么选？
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