文｜涌流商业

yaoquebaojianguanchengbenyushouyiyizhi，bushuqijiadaodeshouzhibunengbizhuadaodelaoshuhaiduo。

12yue4ri，jiamihuobichangdaozhebaoluo·atejinsi（paul atkins）beitimingweimeiguozhengquanjiaoyiweiyuanhui（sec）zhuxi，tuidonglejiamihuobifandan。

zuidadejiamihuobibitebitupole10wanmeiyuan。

telangpucengjingshijiamihuobihuaiyilunzhe，xianzaichengnuoyaorangmeiguochengwei“diqiujiamizhidou”，jianlibitebi“zhanlvechubei”。tadangxuanyilai，zijinfengkuangyongrujiamizichan，atkinsdetimingzezaitianyibahuo。

atkinsshizhumingdezhengquanlvshi，yeshijinrongzixungongsipatomak global partnersdechuangshiren，cengzaitelangpudediyigerenqineidanrenzhengceguwen。

ruguoyiqieshunli、dedaocanyiyuandequeren，atkinsjiangdisancijiarusec：

1990nian-1994nian，atkinscengdanrensecqianzhuxirichard breedenhearthur levittdegaojimuliao。

2002nian-2008nian，atkinsdanrensecweiyuan，yiqiqinshanglichangerwenming。

atkinsshenshangyigemingxiandebiaoqianshi，taxiwangnulixianzhizhengfuduishichangdeganyu，fanduicongjingjifenxijiaodukanbuhelideguize。

likaisechoudejinianli，atkinsyeyizhizaifanduiguoduodeshichangjianguan。

2017nian，atkinschengweidaibilianmengdelianhezhuxi。atkinscengzaiguohuizuozheng，shuomingduijiamihuobijianshaojianguandehaochu。tadezixungongsikehubianjijinronghejiamihuobixingye。

2023nian，atkinszuokematt kibbedebokeshibiaoshi，“worenweiwomenzhengchuyu（xiangjiamihuobi）zhuanbiandekaishi。ruguozhengfuhesecgengbaorong，gengzhijiediyuzheixiebutongdegongsidajiaodao，zaimeiguoerbushizaiguowai，worenweishiqinghuihaodeduo。”

atkinsqiangdiao，secdegongzuoyinggaishiduijiamihuobibaochi“qingting”，yibianrangshichangfanrong，yinweiruguotatiaozhanxianyouqiyebingyouzhuyujiangditouzizhehechoujizijindechengben，“zheijiushiwomenyongyoujinrongshichangdechuzhong。”

atkinsduijiamihuobidetaidu，shizaonianzaisecsuochiliniandeyanxu。

亲企派人物

atkinszaivanderbilt universityfaxueyuanhuodefaxueboshixueweihou，zainiuyuekaishilelvshishengya，haicengshipuhuayongdaodehehuoren。

2002nian-2008nian，atkinsdanrenseczhuanyuanqijian，changdaojigoutouminghua、yizhixinghechengbenxiaoyifenxideyingyong。

biru，atkinsyizhipipingmeiguoshenjijianguanjigoupublic company accounting oversight board（pcaob），gaiweiyuanhuifuzejianguanhuijishishiwusuo、bingshousecjiandu。zhiqianzaisecrenzhiqijian，atkinstuidongxuejiangaizuzhideyusuan，fanduitaduishenjishishijiayixieguize。

2000nianzhihou，meiguoguohuizaianrandengcaiwuqizhashijianhou，weichuligongsihezhengquanjianguanwentibanbule《sabansi-aokesilifaan》sarbanes-oxley act（jiancheng《soxfaan》）。

qizhongdi404tiaoguiding，suoyoushangshigongsibixujianlicaiwubaogaodeneibukongzhihechengxu，bingqiebixujilu、ceshiheweihuzheixiekongzhihechengxu，yiquebaoqiyouxiaoxing。

2005nian，atkinsfabiaoyanjiangzhongjianyi，yugongsiyiyang，jianguanjigoukenengxuyaojinxingyixieziwofansheng：“womenbixuquedingshishidecuoshishifoudadaolebaohutouzizhedeyuqimude，yijifuchuleshenmedaijia。womenbixutebiejingti，yinweiseczaishishisoxfaanhezuijindeqitajianguanxingdongshi，zaimouxiefangmianyijingchaoyueleqichuantongdejianguanhuodongfanwei，yuqitayijianlidejianguankuangjiafashenglechongtu。

taduiguanlifaguibiaodadanyou，biru，yiweishedemingyi，duigongsichuyigengzhongdefakuan，bufenyuanyinshiweilegongguanxiaoguo，guanlicengtaiyuanyijiaochugudongdeqian，ergudongshizhengquanqizhadezhenzhengshouhaizhe。

atkinszanchengqisugerenbufafenzi，renweiqiangpogongsizhifufakuanhuishanghaigudong，“gerenhuifanqizhazui，gongsibuhui……tongguochuyizheiyangdefakuan，womenqibushizaichengfaneixiekenengzaigujiabaodieshiyijingtongguoshichangshoudaochengfaderenma？”

dangshi，yixiexuezhehegaoguanpipingbaokuo《soxfaan》zaineidejianguanguodu。

atkinscengzaihuiyishangpipingshenjitiaokuan，chengtaposhigongsi“renyouhuijishibaibu”，huijishibixushiyong“shuijingqiu”laishituyucegongsizhangbushangdequexian。atkinsqiangdiaoquebaojianguanchengbenyuqishouyixiangyizhi，congeryouxiaoshishigongsizhilifaan。

zai2007niandeyiciyanjiangzhong，atkinszhizepcaob（meiguoshenjijianguanjigou）weishenjishizhidingdeguizechanshenglewanquanbutongdexiaoguo。

“wozhideshichoumingzhaozhudeshenjizhunzedi2haoas2，zheishiyitiao300yedeguize，bingbuchongledaliangewaidejieshixingzhidao……pcaobdasuanjianliyigegenghaodebushuqi，danshihoukanlai，zheigebushuqikenengjiadaodeshouzhibizhuadaodelaoshuhaiduo！secpizhunlezheixiangguize，zhuyaoshichuyuduipcaobcuowudezunzhong。”

“wozoufangguocongdonghaiandaoxihaiandexuduogongsi，tingdaoguohenduoguodudegushi……xuduogongsi，youqishihuijirenyuanyouxiandexiaogongsi，pinqinglewaibu404guwenlaibangzhutamenzhizuosuoxudedaliangkongzhijuzhen、liuchengtuhefenxi……zheijueduishiduigudongziyuandelangfei，yinweigudongshijishangfuleliangciqian——shouxianweishiguwendegongzuo，ranhoushiweishenjishidegongzuo！

“jianguanjigoujuebunengtongguofansuodefagui、jiangtouzizhepaichuzaiwomendeshichangzhiwai，yebunengtongguohuangmiudeshouquanlaitunshitamendetouzichengguo”。

纠纷与生意

atkinslikaisechou，chenglilezijidezixungongsipatomak global partners。patomakdemingzilaiyuanyuliujinghuashengdundeheliupotomac river，shitamingzigulaodepinfa。

gaigongsibihuashengdunqitazhimingdezixungongsixiaodeduo，tabushiyijiayoushuogongsi，suoyibubipilukehu。yizhidekehubaokuomeiguoshanghuidengzhengfushiti，yijisimuguquantouzigongsi、huijishishiwusuo。

patomakzaitamenyujianguanjigoudejiufenzhongtigongbangzhu。

aobamazhengfujiaqiangleduisimuguquangongsi、duichongjijindengdejianguan。patomaklidexuduoguwendoucengzaisec、shangpinqihuojiaoyiweiyuanhuihuomeilianchugongzuo。youshikehushiweifanzhengfuguize、xuyaojianduyishiqiheguihuifuzhengchangdegongsi。

2016nian-2017nian，deyizhiyinxingjieshoumeiguosifabushencha，shoudaoliumingdulijianduyuandejiandu，atkinsshiqizhongzhiyi。houlai，deyizhiyinxingtongyizhifu6.3yimeiyuanyijiejueshexianxiezhuxiqiandezhikong。

deyizhiyinxingshitelangpudezhuyaozhaiquanren，cong90niandaihouqiyilai，cengxiangtelangpudeshengyijiekuanshushiyimeiyuan。

patomakhaiweisimuguquangongsizhunbeiheguijiancha，weigongtongjijinshejicelve，bangzhuhuijishishiwusuobimianmouxieyewujinling。

yixiewaibupipingzherenwei，patomakshihuashengdunhehuaerjiezhijianguoyuqinmiguanxideyibufen。

atkinsbianjie，tamenweikehuruhezunshoufalvtigongjianyi，yuqitazixungongsibutong，patomakbuhuidaibiaoqikehuyoushuohuochuxianzaisecmianqian。

“womendemubiaoshinulibangzhurenmenlejiejianguanjigouzaixunzhaoshenme，bingjinkenenggaoxiaodizuodaozheiyidian。ruguoshichanghezhengfurenyuanzhijiancunzaijudahonggou，neiduirenherendoubushihaoshi。tatuigaolechengben，bingzuizhongshanghailetouzizhe。”

jinnian，patomakdekehubianjijinronghejiamihuobixingye。

ftxyecengshitadekehu，zheijiayousam bankman-friedchuanglidejiamihuobijiaoyisuo，zaipochanwenjianzhongtiji，zai2022nian1yueyupatomakqianyue，pinqinghouzheweiqiyanshengpinyewutigongzhanlvejianyi。

ftxyijingzai2022nian11yuedaobi，bankman-friedyinnuoyongjiazhishushiyimeiyuandekehuzijinerbeipanqizha、25nianjianjin。

养老金与比特币

atkinszhichijiamihuobi，zi2017nianyilaiyizhidanrendaibilianmengdelianhezhuxi，gailianmengyouqianjianguanjigou、xingyezhuanjiahelvshizucheng，zhizaicujinshuzizichandezhuliuhua。

atkinszai2022niantichangyunxujiangyibufen401(k)zijintouziyubitebi。

“yuelaiyueduodetouzizhekaishishezujiamihuobishichang。zuijindeyixiangdiaochafaxian，wufenzhiyidemeiguorentouzi、jiaoyihuoshiyongguojiamihuobi。raner，meiguotouzizhedezhuyaoqudao——401(k) zhanghu——ciqianjihujinzhijiamihuobitouzi。”

meiguozuidadetuixiujihuatigongshangxuanbuzheizhongqingkuangjijianggaibian，danzaodaolelaogongbudeqiangliefandui。

2022nian3yue10ri，laogongbufabule2022-01wenjian，wenjianzhichu，jiamihuobitouzicunzai“zhongdaqizha、daoqiehesunshifengxian”。

zheishijiyujiagebodong、ganxingqudetouzizhequefazhishihuozhuanyezhishi、tuoguanhejilubaocunwenti、guzhiwentiyijibuduanbianhuadejianguanhuanjing。jianyuzheixiefengxian，laogongbuduncujihuashoutuorenzaikaolvshifoujiangjiamihuobizuoweitouzixuanxiangshi“gewaijinshen”。

atkinsbutairentongwenjian，“duogexingyeliyixiangguanzheduigaizhidaotichulefankuiyijian，baokuomeiguoshanghui、fudatouziheyizuxingyexiehui。tamenfenxiangleyixiegongtongdepiping：

shouxian，laogongbubuyingjutishuomingnaxietouziheshihuobuheshi，eryingjianchitigongzhidao，shuomingshoutuorenruhelvxingyubutongleixingtouzixiangguandezhize。

qici，jiangshoutuozerenyingyongyutongguojingjichuangkouxuanzedetouziyuxianxingfalvbuyizhi，erqiezunshouqilaihuihenkunnan。

disan，laogongbubuyingtongguozuijiashijianzhinanfaburucizhongdadebianhua，eryingshiyongtongzhihepinglunguizezhidinglaixiyinxingyecanyu。”

2022nian4yue26ri，fudatouzixuanbutuichugongzuochangsuoshuzizichanzhanghu，zheishiyixiangxinchanpin。gaichanpinjiangyunxucanyuzhejiangqizhanghuyuede20%hemeibigongzigongxiande20%touziyubitebi。shuzizichanzhanghuhaijiangchiyouduanqihuobishichangtouziyiyongyuliudongxingmude，bingjiangyoufudayongyoudepingtaituoguan。

lingyijia401(k)tigongshangforusallyu2021nian6yuetongguoyucoinbase globalhezuotigongjiamihuobitouzi。gaichanpinyunxuyuangongjiangqijiaokuande5% touziyuyixiliejiamihuobi。

4yue28ri，laogongbuyimingguanyuanxiang《huaerjieribao》pinglunlefudadeshengming，cheng“womenduifudadesuozuosuoweishengandanyou。”gaiguanyuanjiezhebiaoshi，gaijigoudelichangshi“zhuanzhuyuzheiyifazhanjieduan”，ruguoguzhukeyitichuliyoujiangzichannaruqizhongyijiejuegaijigoudedanyou，“neishitamendejueding。”

atkinsdeguandianshi，suizheyuelaiyueduodemeiguorenduishuzizichangandaomanyi，yixierenkenenghuiganxingqutongguo401(k)jihuagoumaizheixiezichan。yunxugaixuanzedejuedingbixuyouguzhuzuochu，bingshouqiduicanyuzhedeshoutuozerendezhidao，tongshilijieguzhukenengbixuxianglaogongbuzhengmingjuedingdehelixing。

xianzai，atkinsjiangjietixianrenseczhuxigary gensler，houzheduijiamihuobidelichangbeixuduoxingyecanyuzheshiwei“diduide”，jinguantazaiseczhangduoqijianweigengguangfandegongzhongdailailegengduofangshiyitouzijiamizichan。

secyu1yuefenpizhunleyixiliezhijietouziyujiamihuobidejiaoyisuojiaoyijijin，dantongshi，zaigenslerdelingdaoxia，gaijigouduijijiashuzizichangongsitiqilefalvsusong。