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Human evaluations are difficult, because they are all opinions.

  Human evaluations are difficult, because they are all opinions. Human evaluations are very difficult. Because they are all someone’s opinions. I found it. Human vertical and horizontal evaluations are all stood on someone’s opinions. So that there is no perfect evaluation. If some consultants bring to you perfect human resource evaluation, the consultants are liars.
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Moral hazard to the money

2017/5/3. Logic of bank vs minus interest rates

From bank side, they decide how much money they loan to others is standing on credit of borrower. So I have a question for effect of low interest rates.
Because the bankers can't change the credit of borrowers, bankers only can cut cost in own banks' systems.
So if cutting cost in banks is saturated, the artificial bubble is made very easily.
Is it good for economy? I think low interest rates is standing on making economic bubbles & breaking it. 


Minus interest rates is only sending benefits to government. This makes the independence of central bank crazy. And "moral hazard starts from head of system" seems one fact. Moral hazard to the money might start already...

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