domingo, fevereiro 15, 2009

Internet de Segunda Geração serve de tribuna a comentadores

A Internet de Segunda Geração (Web 2.0) é cada vez mais participativa e interactiva.
A Web 2.0 é baseada nos conteúdos contribuidos pelos próprios utilizadores, que escrevem blogs, frequentam salas de chat e participam em comunidades virtuais.

Os orgãos tradicionais de comunicação social, os jornais, revistas, rádios e televisões, já perderam o monópolio da produção de conteúdos, notícias e imagens, mas não se deram por vencidos. Agora procuram cativar e envolver os seus leitores, oferecendo espaço aos comentadores e publicando imagens enviadas pelo público.

Ser bloguista e comentadora é mais do que simplesmente subir à tribuna. É responder ao desafio de dizer algo especial, de contribuir para o diálogo na ágora da aldeia global.

Ver os comentários recentes aos artigos da revista The Economist: Mica10's Comments

Comment on: Buttonwood A leaky pool at 9/4/2008 7:17 PM GDT
We are reminded that the business of banking, and insurance, is to take, manage and accurately price risk. When the loan originator passes off all the credit risk, and even the servicing risk, it hardly continues to qualify as a financial intermediary. The excess liquidity and cheap credit have helped everyone to forget the prudent lending practices of never providing 100% of the financing and of always requiring a protection margin in the form of an equity stake or risk participation. Economic history is full of such foolish financial "innovations".

Comment on:
Angola Marching towards riches and democracy? at 9/1/2008 6:46 PM GDT
My vote would go to the lady in this picture and all the other "senhoras de alguidar à cabeça" who can be seen everywhere in Luanda in the early morning, making the other 40% of the Angolan economy move. If only they were the ones running the country!

Comment on:
Fannie Mae and Freddie Mac Fire the bazooka at 9/1/2008 6:14 PM GDT
Someone should stop to ask why Fannie and Freddie have become so "indispensable" to America's housing market. America's banks, mortgage lenders and mortgage investors should be more than capable to evaluate and underwrite credit risks in home mortgages, the premier credit product in any financial market.

Better to release Fannie and Freddie from their counterproductive role, since they were probably detracting from rather than contributing to the functioning of this important financial market by promoting system-wide moral hazard.

Comment on:
Infrastructure The cracks are showing at 6/26/2008 6:12 PM GDT
More than doubling investment in transport infrastructure to USD 225 million per year will not, by itself, resolve America’s transport problems. The transport infrastructure may be crumbling but it also appears to be mismanaged. New infrastructure funds and public private partnerships can serve to fund the immediate investment outlays, but only if the users or the taxpayers can reimburse them over the economic life of the project.

Since taxpayers are already tapped out, the focus will need to shift to improving traffic and demand management, and to raising user charges such as the fuel taxes and congestion pricing.

Comment on:
Paradise lost at 5/17/2008 6:53 AM GDT
A bank is like a bycicle. When it fails, it just topples over. And bank failures are ALWAYS caused by liquidity problems, even when there are underlying asset value and solvency problems as well. Banking is also basic social infrastructure providing a "public service".

More than just "greasing" the economy, it plays the key role of agregating and allocating assets between savers and borrowers, AND taking risk as intermediator. Economic history is full of successive banking crises and liquidity bubbles bursting in one sector after another. That's why commercial banking became a tightly regulated industry, with low but steady returns on capital, and separated from investment banking with its high but highly variable returns on capital.
When the the distinction between retail commercial banking and wholesale investment banking fell, the domino effect had that much more room to play.
Those who forget the lessons of (economic) history are condemmed to repeat them, with a big assist from negative real interest rates, poor monetary policy and desoriented bank regulation.