Fin-Tech（节选）
捕鲸业透视金融科技创业（节选）
It also helped that they were open-minded: they readily employed anyone who could contribute to their ventures. Perhaps the single most important technological innovation used by New Bedford’s whaling fleet was the “Temple Toggle”, a harpoon tip devised by Lewis Temple, a former slave from Virginia.
But the whalers’ main asset was their business model. In the 1830s, the legislatures of six American states approved charters for whaling corporations giving them the right to raise capital by selling shares to the public – much the same corporate structure as the Dutch and British East India Companies. None of the six survived the 1840s. “The diffuse ownership structure of the corporations, and the reduced stakes held by their managers, likely diminished the incentives for the managers to perform their role diligently,” concludes Eric Hilt of Wellesley College. Given the expense of buying, outfitting and launching a boat into the perilous ocean, the link between risk and reward needed, it seems, to be tighter.
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