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一 | 24岁，NBA首轮秀，上赛季场均仍能贡献两位数得分的卡梅隆·托马斯宁愿失业，也不愿意来CBA打球。

二 | Stockholm, Oct 10 (UNI) The Royal Swedish Academy of Sciences announced Monday that three US-based economists won the 2022 Nobel Memorial Prize in Economic Sciences “for research on banks and financial crises”.

The winners are Ben Bernanke, former head of the US Federal Reserve and currently with the Brookings Institution in Washington DC, Douglas Diamond of the University of Chicago and Philip Dybvig of Washington University in St. Louis, Missouri. The winners share a prize of about $900,000.

The nobelprize.org put out a release saying:

"Their discoveries improved how society deals with financial crises

"This year’s laureates in the Economic Sciences, Ben Bernanke, Douglas Diamond and Philip Dybvig, have significantly improved our understanding of the role of banks in the economy, particularly during financial crises. An important finding in their research is why avoiding bank collapses is vital.

"Modern banking research clarifies why we have banks, how to make them less vulnerable in crises and how bank collapses exacerbate financial crises. The foundations of this research were laid by Ben Bernanke, Douglas Diamond and Philip Dybvig in the early 1980s. Their analyses have been of great practical importance in regulating financial markets and dealing with financial crises.

"For the economy to function, savings must be channelled to investments. However, there is a conflict here: savers want instant access to their money in case of unexpected outlays, while businesses and homeowners need to know they will not be forced to repay their loans prematurely. In their theory, Diamond and Dybvig show how banks offer an optimal solution to this problem. By acting as intermediaries that accept deposits from many savers, banks can allow depositors to access their money when they wish, while also offering long-term loans to borrowers.

"However, their analysis also showed how the combination of these two activities makes banks vulnerable to rumours about their imminent collapse. If a large number of savers simultaneously run to the bank to withdraw their money, the rumour may become a self-fulfilling prophecy – a bank run occurs and the bank collapses. These dangerous dynamics can be prevented through the government providing deposit insurance and acting as a lender of last resort to banks.

"Diamond demonstrated how banks perform another societally important function. As intermediaries between many savers and borrowers, banks are better suited to assessing borrowers’ creditworthiness and ensuring that loans are used for good investments.

"Ben Bernanke analysed the Great Depression of the 1930s, the worst economic crisis in modern history. Among other things, he showed how bank runs were a decisive factor in the crisis becoming so deep and prolonged. When the banks collapsed, valuable information about borrowers was lost and could not be recreated quickly. Society’s ability to channel savings to productive investments was thus severely diminished.

"The laureates’ insights have improved our ability to avoid both serious crises and expensive bailouts,” says Tore Ellingsen, Chair of the Committee for the Prize in Economic Sciences.

The Nobel Memorial Prize in Economic Sciences was not included in Alfred Nobel's will, voanews.com reported.

It was established by the Swedish central bank in 1968 — and is officially the "Sveriges Riksbank Prize in Economic Sciences in memory of Alfred Nobel" to mark the bank’s 300th anniversary. It was first awarded in 1969 and has been funded by the bank since then.

UNI ING。上赛季托马斯一共为雄鹿出战18场比赛，场均获得10.7分1.6篮板1.9助攻，23-24赛季在篮网，他场均能轰下24.9分。据媒体人“江南的城”报道，今年NBA夏季联赛期间，已有CBA球队管理层与这位前雄鹿队后卫进行了接触，希望他能加盟CBA。

三 | 但托马斯的回应干脆利落：优先等待NBA机会，如果NBA没有合适的合同，他考虑去欧洲联赛。

四 | 换句话说：宁可失业，也不来CBA。

五 | 这并非个例。休赛期至今，洛夫顿降薪70万美元加盟以色列联赛、奎因放弃广东180万美元报价转投俄罗斯，优秀外援集体出逃，已成肉眼可见的趋势。CBA对外援而言，正从“淘金天堂”变成“高风险的赌场”。而这一切的根源，指向同一个问题：非保障合同。按照CBA规定，外援合同只有第一个月是保障的，后面球队可以无理由解约。按月签；按场次签，，一旦球员在合同期间受伤或状态下滑，球队随时可以裁人，还没有太多损失。但对于外援来说就是直接失去工作，连去另一支CBA球队工作的机会都没有。广东队为了留住奎因，把年薪从150万涨到180万美元，涨幅高达30%，外加住房、医疗、子女教育等生活保障。即便如此，奎因还是走了，因为俄罗斯联赛给的是一份两年超200万美元的全额保障合同。前者让你提着心吊着胆，后者让你安心打完整个赛季。怎么选，答案显而易见。