魔鬼营业员

This movie just goes to show you how stupidly greedy the top officials are at the investment banks:If one person can bring down a well established bank from within then they all are vulnerable to the same thing. Nothing but vultures of getting rich off the hard work of others.

As for why so many bridges of his wife, just think about how and where they met then it’s all clear. They were clerks in charge of dealing with tons of bad debts of Baring bank in the confidential basement. Showed in the beginning of the film, it set the tone for the step by step crack down and the aftermath of all these. In fact, this old bank was long been problematic before Nick Leeson was in his position. He helped accelerating the big failing by paying his own price. He's just a fresh young man in his 25, packaged with a green-handed team after all.

Speculating is extremely risky without the underlying assets and hedging strategies. In this sense, no wonder Nick Leeson deemed the exchange as a big casino in the film when he bet on Nikkei 225. I believe he wont say that in his fifties. The risk will always be there but the risk to return sometimes are not that satisfying as one supposed it to be.

Triumph, a feeling that people would like to experience all the time, is not sustainable. One seek for triumph all the time is like seeking a pattern to be succeeded over and over again, which is likely to cause sever path dependency. With arrogance and over confidence coming along with every selection Nick Leeson was to make during the process, he is on the way of self devastation. When Leeson made back the $10M loss by sitting on the position, it was like closing his eyes and walking through a minefield without blowing up. He mistaken the 88888 account, his temporary safe net （before he can earn the money back ）for the safe net for good.

《魔鬼营业员》，又名《我是如何搞垮巴林银行的》。主人公尼克由一个文职晋升，被派到新加坡分部，为平盈亏开了一个错误账户88888，并用这个账户盗用客户的资金做交易。刚开始只为填补手下员工的失误使客户亏损的2万美金，后来在利益的诱使下，他不断地使用88888账户，甚至在一天之内为公司赚得1000万美金。

此时，公司方面不断施压，让他减少交易数额的同时又要求更高的收益，又经历了妻子的流产，此时他的心态不再像以前那样沉着，他希望市场跟着他的意愿波动。

然而，日本地震后，日经指数不断下跌，错误账户一下亏了八千万。在公司方面的威逼下，他又动用客户的资金填补亏损，然而，此时市场却不再随着他的意愿而波动，他明白自己再也没有回天乏术之力，和妻子偷偷离开，没多久通过电视上得知这个账户已经亏了八亿美金，巴林银行因为他的违法操作破产了。尼克被判刑六年半，后来在监狱里得了癌症，于是四年后被假释出狱。他曾自述，他违规操作获得的资金，从来没有自己取用过…

这件事对于我们做投资的心态，有一定的指导意义。投资需要适应市场的客观变动，需要有自己严密的投资逻辑，永远不要觉得你可以控制市场。真正的投资大师不是在所有时候都交易，而是在他看准的时候才交易，其他时间需要有良好的心态镇定观市，以期下一次入市机会。

有句话说：“散户之所以亏钱，是因为他在牛市和熊市都炒股。” 这是有一定道理的。散户一是掌握的知识及信息量不足；二是没有足够的时间用于盯盘或者学习投资知识，构建完整的投资体系。因此，在市场总体情况较好的情况下，可以入市短线操作，或者价值投资中长线操作，但如果一年所有的时间都想操作，而且只认准一个投资逻辑，如盲目追高。这样的话，在市场风险升高，板块切换迅速的时候，很有可能将之前追高得到的高利润全部回吐，甚至深套其中无法自拔（站在了高高的山顶上…）

在金融体系中，为了防范金融危机，促进经济稳定有序发展，制定严苛的规则是必须的。即便在金融体系相对发达的现在，依旧有各种形式的金融犯罪，如内幕交易、大学生网贷等，用障眼法钻了金融监管的空子，或在灰色地带游走。好在监管机构在发展中不断适应金融创新，制定法律法规，使得金融体系趋向规范稳定运行。