另类的金融博物馆 Art of money management 《金融时报》

　　Andrea Beltratti is in an evangelical mood. The chairman of the management board of Intesa Sanpaolo, Italy’s largest bank by market value, wants Italians to learn basic financial concepts such as hedging and the difference between real and nominal returns.
　　安德烈亚•贝尔特拉蒂(Andrea Beltratti)想做一回“传道士”。作为意大利市值最高银行联合圣保罗银行(Intesa Sanpaolo)的管理委员会主席，贝尔特拉蒂想帮助意大利人弄懂一些基本的金融概念，比如对冲、实际收益和名义收益的区别，等等。
　　His idea is that Italians would then have a better understanding of how financial markets work, would invest their savings more effectively and as a result would learn to respect, appreciate and ultimately love bankers.
　　贝尔特拉蒂的想法是，如果意大利人能弄懂一些基本的金融概念，他们可能会更好地理解金融市场的运作方式，可能会更有效地进行投资，如此一来，他们可能也会学会尊重和欣赏银行家，并最终喜爱银行家。
　　To that end, Mr Beltratti, who is also a professor at Milan’s Bocconi University and has a PhD from Yale, dreamt up the Savings Museum in Turin. The five rooms filled with videos, texts, movie clips and custom-built video games opened in May in a former branch of Intesa Sanpaolo.
　　为实现这一目标，兼任米兰博科尼大学(Bocconi University)教授并拥有耶鲁大学(Yale)博士学位的贝尔特拉蒂在意大利都灵(Turin)创建了储蓄博物馆(Savings Museum)。博物馆设在联合圣保罗银行都灵分行旧址上，有5间展室，展示一些视频、文本资料、电影片段和特殊定制的视频游戏。博物馆今年5月对外开放。
　　“It will take 10 or 15 years, but I’m sure we can get people to understand what it is banks do and why they’re important for society,” says Mr Beltratti, walking through the stylish rooms fitted out with modern displays that are a far cry from the more fusty image of a museum.
　　贝尔特拉蒂走过一间间摆满现代化展品的展室，边走边说：“实现这个目标要花10至15年的时间，但我确信我们能够让人们理解银行的作用，以及它们对社会的重要性所在。” 这一间间时髦的展室，与人们印象中老式的博物馆相去甚远。
　　“To fight the backlash against banks we need to do two things. First, we need to lower the salaries of bankers to bring them closer to what other people are making. Second, we need to explain to people in a way they can understand what it is that banks do and why we need them.”
　　“要消除人们对银行的强烈抵触情绪，我们必须做两件事。第一，我们必须降低银行家的工资，缩小他们与其他人的收入差距。第二，我们应该以简明易懂的方式向人们解释，银行的作用是什么，以及我们为什么需要银行。”
　　On the first count, he and some of his colleagues at Intesa Sanpaolo have taken a voluntary one-third pay-cut. On the latter he has invested his time, energy and – to a certain extent – his reputation in the museum.
　　就第一点而言，贝尔特拉蒂和他在联合圣保罗银行的一些同事已自愿降薪三分之一。从第二点来看，贝尔特拉蒂已将自己的时间、精力投入了这家储蓄博物馆，在某种程度上他还押上了自己的名声。
　　“We need to teach people that finance is like a fast car – you can make good use of it or you can drive it into a wall,” says Mr Beltratti, who with his big mop of fluffy hair and unassuming demeanour looks more the friendly professor than the banking executive. “We want to help people understand that saving does not mean putting money under the mattress.”
　　“我们要让人们知道，金融就像一辆开得飞快的汽车，可能对你大有用处，也可能载着你撞墙。” 贝尔特拉蒂说，“我们想让人们明白，储蓄并不意味着把钱放在床垫下。”贝尔特拉蒂头发乱蓬蓬的，言谈举止没有一点架子，看上去像一位和蔼可亲的教授，多过像一位银行业高管。
　　On a recent afternoon the number of visitors to the museum during three hours after lunch is zero, indicating the challenge facing Mr Beltratti. He remains undeterred by the limited numbers so far – on average about 20 a day, he says, compared with 500 a day in the first two weeks before the institution of an