The Internet bubble is the most recent example, but a similar phenomenon occurred with the construction of railways more than a century ago. It can be argued that the sophisticated loan packages created by banks in recent years are, likewise, a new and unknown product, so information and experience to aid pricing has been scarce and dispersed.
当新技术出现的时候，我们会看到这种现象。网络泡沫就是最近的一个例子，但是，在一个多世纪前的铁路建设中，也出现了同样现象。银行在最近几年里创造的复杂的贷款项目，可以认为被就像是一个新的不知名的产品，因而，人们对其的信息和支持定价的经验不足，并且很零散。