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翻译人员: kiki zhang
校对人员: Yumeng Guo
00:12
I suspect that
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我猜测,
00:14
every aid worker in Africa
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每一个在非洲的救援人员
00:16
comes to a time in her career
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在她的职业生涯中都会有这样一个阶段,
00:17
when she wants to take all
the money for her project —
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想要把她所有项目的钱——
00:20
maybe it's a school or a training program —
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也许是一所学校,或是一个培训项目——
00:24
pack it in a suitcase,
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塞进行李箱里,
00:25
get on a plane flying over the
poorest villages in the country,
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坐上飞机飞过这个国家最贫穷的地区,
00:29
and start throwing that money out the window.
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然后把那些钱都扔出窗外。
00:33
Because to a veteran aid worker,
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因为对于一个有经验的救援人员来说,
00:35
the idea of putting cold, hard cash
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把现金交到
00:38
into the hands of the poorest people on Earth
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地球上最贫穷的人手里的理念
00:41
doesn't sound crazy,
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并不疯狂,
00:42
it sounds really satisfying.
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而是让人感到满意极了。
00:46
I had that moment right about the 10-year mark,
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在工作了正好十年后我也有了这样的想法,
00:49
and luckily, that's also when I learned
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幸运的是,那也正是我知道
00:52
that this idea actually exists,
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这种想法的确存在的时候,
00:55
and it might be just what the aid system needs.
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而它也许正是救援体系需要的东西。
00:59
Economists call it an unconditional cash transfer,
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经济学家称它为无条件现金转移,
01:02
and it's exactly that: It's cash given
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正如其字面意思:
现金直接转移,没有中间过程。
01:04
with no strings attached.
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01:06
Governments in developing countries
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发展中国家的政府
01:08
have been doing this for decades,
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数十年来一直是这么做的,
01:10
and it's only now, with more evidence
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随着科技不断发展,
01:12
and new technology that it's possible
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种种迹象表明,
用这种方式来传递帮助到如今才成为可能。
01:15
to make this a model for delivering aid.
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01:20
It's a pretty simple idea, right?
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这是一个相当简单的想法,对吧?
01:23
Well, why did I spend a decade doing other stuff
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那么,为什么我花了十年的时间
为穷人们做其他事呢?
01:27
for the poor?
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01:29
Honestly, I believed that I could do more good
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老实说,我之前相信
01:32
with money for the poor
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比起让穷人们自己用这些钱
01:34
than the poor could do for themselves.
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我可以用钱为他们做更多的好事。
01:37
I held two assumptions:
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我曾有两个假定:
01:38
One, that poor people are poor in part
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第一,穷人之所以贫穷
01:41
because they're uneducated and
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部分是因为他们没有接受过教育,
01:43
don't make good choices;
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并且不懂得如何做出好的选择;
01:45
two is that we then need people like me
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第二,我们需要像我一样的人
01:47
to figure out what they need and get it to them.
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去帮助他们弄清楚他们需要什么,然后给他们。
01:51
It turns out, the evidence says otherwise.
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然而,事实表明并非如此。
01:55
In recent years, researchers have been studying
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最近几年,研究者一直在研究
01:58
what happens when we give poor people cash.
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当我们把钱给了穷人,会发生什么。
02:02
Dozens of studies show across the board
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几十份调查显示
02:04
that people use cash transfers
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所以人都用汇给他们的钱
02:07
to improve their own lives.
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来改善他们自己的生活。
02:09
Pregnant women in Uruguay buy better food
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在乌拉圭,孕妇购买更好的食物,
02:12
and give birth to healthier babies.
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生出更健康的孩子。
02:14
Sri Lankan men invest in their businesses.
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在斯里兰卡,男人投资他们的生意。
02:17
Researchers who studied our work in Kenya
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调查我们在肯尼亚的工作的研究者
02:20
found that people invested in a range of assets,
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发现人们投资了一系列资产,
02:23
from livestock to equipment
to home improvements,
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从家畜到家用设施到房屋的改进装修,
02:27
and they saw increases in income
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而且,钱送到他们手上的一年后,
02:30
from business and farming
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研究人员还看到了他们在商业和农业方面收入的增加。
02:32
one year after the cash was sent.
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02:36
None of these studies found that people
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没有任何一项调查发现
02:38
spend more on drinking or smoking
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人们在喝酒或抽烟上花费更多的钱,
02:41
or that people work less.
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或减少工作时间。
02:43
In fact, they work more.
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实际上,他们工作得更多了。
02:47
Now, these are all material needs.
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现在,物质需求能满足了。
02:50
In Vietnam, elderly recipients used
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在越南,年长的接受者
02:54
their cash transfers to pay for coffins.
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用他们得到的钱来买棺材。
02:58
As someone who wonders if Maslow got it wrong,
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就像一些人怀疑马斯洛的理论是否错了,
03:02
I find this choice to prioritize spiritual needs
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我觉得这样优先满足精神需求的选择
03:07
deeply humbling.
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让我感到深深的羞愧。
03:09
I don't know if I would have chosen to give food
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如果是我,我不知道我会选择
03:11
or equipment or coffins,
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把钱用在食物、家用设施还是棺材上,
03:15
which begs the question:
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这就引出了一个问题:
03:17
How good are we at allocating resources
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我们替穷人分配资源,
03:20
on behalf of the poor?
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分配的效果如何?
03:22
Are we worth the cost?
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值得我们这样做吗?
03:25
Again, we can look at empirical evidence
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我们再来看看经验事实——
03:27
on what happens when we give people stuff
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把我们选择的东西给穷人时
03:30
of our choosing.
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会发生什么。
03:32
One very telling study looked at a program in India
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一项研究调查了一个支援印度的项目——
把牲畜给所谓的“极端贫困者”,
03:35
that gives livestock to the so-called ultra-poor,
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该调查结果极具说服力,
03:39
and they found that 30 percent of recipients
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他们发现30%的接受者
03:43
had turned around and sold the
livestock they had been given
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竟把给他们的牲畜卖掉了,
03:47
for cash.
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换来了现金。
03:50
The real irony is,
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真正讽刺的是,
03:52
for every 100 dollars worth of assets
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该项目每送出100美金的资产,
03:54
this program gave someone,
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03:56
they spent another 99 dollars to do it.
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需要额外花费99美金来维护运营。
04:01
What if, instead, we use technology to put cash,
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相反,如果我们用技术手段,
04:05
whether from aid agencies or from any one of us
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不论是通过援助机构或者我们中的任何一个人,
04:09
directly into a poor person's hands.
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直接把钱给到穷人手里,会怎么样呢?
04:13
Today, three in four Kenyans use mobile money,
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现在,四分之三的肯尼亚人使用移动支付,
04:16
which is basically a bank account that can run
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它从根本上说是一个可以在任何手机上运行的银行账户。
04:19
on any cell phone.
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04:20
A sender can pay a 1.6 percent fee
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一个捐助者可以付1.6%的服务费,
04:24
and with the click of a button
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然后按一下按钮
04:26
send money directly to a recipient's account
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直接把钱打到接收者的账户上,
04:29
with no intermediaries.
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没有中介者。
04:31
Like the technologies that are disrupting industries
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就像在现实生活中,科技颠覆着传统工业,
04:34
in our own lives,
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04:36
payments technology in poor countries
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在贫穷的国家,支付技术也可颠覆援助。
04:39
could disrupt aid.
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04:42
It's spreading so quickly that it's possible
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该技术传播得如此快,
04:44
to imagine reaching billions
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用这种方式帮助全世界数十亿的穷人都成为可能。
04:47
of the world's poor this way.
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04:49
That's what we've started to do at GiveDirectly.
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这就是我们「直接给予(GiveDirectly)」项目的做法。
04:52
We're the first organization
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我们是第一个致力于
04:54
dedicated to providing cash transfers to the poor.
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将现金直接传递给穷人的组织。
04:57
We've sent cash to 35,000
people across rural Kenya
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通过一次性给每个家庭1000美元,
05:01
and Uganda
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我们已经把钱送到了肯尼亚和乌干达乡村地区的
05:03
in one-time payments of 1,000 dollars
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05:06
per family.
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35000个穷人手上。
05:08
So far, we've looked for the poorest people
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目前,我们在最贫穷的村庄寻找最贫穷的人,
05:11
in the poorest villages, and in this part of the world,
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在世界的这些角落,
05:14
they're the ones living in homes
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他们住在用泥土和茅草
05:15
made of mud and thatch,
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而不是水泥和钢铁,
05:17
not cement and iron.
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筑成的屋子里。
05:19
So let's say that's your family.
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我们假设那是你的家庭。
05:21
We show up at your door with an Android phone.
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我们手拿安卓手机出现在你的门前。
05:24
We'll get your name, take your photo
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我们将记下你的名字,拍下你的照片,
05:26
and a photo of your hut
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还拍下一张你的茅屋的照片,
05:27
and grab the GPS coordinates.
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并用GPS技术获取你家的经纬度信息。
05:30
That night, we send all the data to the cloud,
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当天晚上,我们把所有数据上传到云端,
05:32
and each piece gets checked
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每一份资料都由独立的团队
05:34
by an independent team
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05:36
using, for one example, satellite images.
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利用诸如卫星图像等信息进行审核。
05:40
Then, we'll come back,
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然后,我们将回来,
05:42
we'll sell you a basic cell phone
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卖给你一个具有基本功能的手机,
05:44
if you don't have one already,
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如果你还没有的话。
05:46
and a few weeks later,
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几周过后,
05:49
we send money to it.
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我们会打钱到你的手机上。
05:51
Something that five years ago
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在五年前看起来
05:52
would have seemed impossible
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不可能的事,
05:54
we can now do efficiently
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我们现在可以高效地完成,
05:57
and free of corruption.
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并且没有腐败。
05:59
The more cash we give to the poor,
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我们给穷人的钱越多,
06:01
and the more evidence we have that it works,
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我们就会更多地获得该方式运作的数据事实,
06:05
the more we have to reconsider
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我们也会对我们的其他一切付出思考得更多。
06:07
everything else we give.
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06:10
Today, the logic behind aid is too often,
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今天,援助的原则通常是:
06:13
well, we do at least some good.
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好吧,我们最起码做了一点好事。
06:17
When we're complacent
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当我们盲目自满,把这个原则当作目标,
06:18
with that as our bar,
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06:20
when we tell ourselves that giving aid
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当我们告诉自己给予帮助
06:23
is better than no aid at all,
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总比一点也不给予要好,
06:26
we tend to invest inefficiently,
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投资就会变得没有效率,
06:28
in our own ideas that strike us as innovative,
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自以为我们头脑中的想法是具有创新性的,
06:32
on writing reports,
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在撰写报告时,
06:34
on plane tickets and SUVs.
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在飞机和SUV上。
06:38
What if the logic was,
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如果是这样的逻辑呢:
06:40
will we do better than cash given directly?
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我们会比直接给钱做得更好吗?
06:46
Organizations would have to prove
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各个机构需要证明
06:47
that they're doing more good for the poor
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相比穷人自己
06:49
than the poor can do for themselves.
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他们能为穷人做更多的好事。
06:52
Of course, giving cash won't create public goods
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当然,直接给穷人钱不会创造公共福利,
06:55
like eradicating disease or
building strong institutions,
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如消除疾病,或建立完善的机构组织,
07:00
but it could set a higher bar
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但是它可以为如何帮助单个家庭改善生活
07:03
for how we help individual families
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07:06
improve their lives.
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树立一个更高的标准。
07:09
I believe in aid.
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我相信援助。
07:10
I believe most aid is better than just
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我相信大多数援助
07:13
throwing money out of a plane.
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比直接把钱从飞机窗户中扔出去好。
07:15
I am also absolutely certain
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我也可以肯定地说,
07:18
that a lot of aid today
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现今的许多援助
07:20
isn't better than giving directly to the poor.
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不比直接把钱给穷人来得好。
07:24
I hope that one day, it will be.
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我希望有一天,援助能做到这一点。
07:27
Thank you.
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谢谢。
07:29
(Applause)
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(掌声)
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