The overwhelming evidence, though, is that financial competition promotes innovation. Much of the innovation in finance in the US and Europe came after it was deregulated in the 1980’s – that is, after it stopped being boring.
但专利制度在某些行业无效，金融就是其中之一。不过，压倒性的证据是金融竞争刺激了创新。美国和欧洲的大部分金融创新发生在20世纪80年代去监管化之后——也就是说，发生于不再无聊之后。