Out-of-control lower body: Why is the financial industry such a cesspool...?

page views:1 Publication date:2023-09-22日日干

Reposted from Zhihu:
Observations and insights from a former female fund manager: Telling you why the financial world is a cesspool...

Financial chaos

Before I went to the United States, the term "scumbag" hadn't even been coined. I knew absolutely nothing about offensive tactics, retreat strategies, flirting, money and love entanglements, parallel dating, or open relationships.

During a career guidance lecture at our school, a teacher shared a case: A New York investment bank came to our school for campus recruitment. After her initial interview, a female student received a text message from the interviewer inviting her to a hotel for interview skills coaching. However, the coaching turned out to involve other "skills" in bed. In the end, the student not only didn't get the offer, but the interviewer also disappeared, leaving her to complain to the school. A female student who returned from a summer internship in Hong Kong complained of being sexually harassed by her boss, who implied offering herself in exchange for a job offer.

Back then, I thought the school's education and my classmates' warnings were all alarmist talk; unless you were born into wealth and privilege, you wouldn't encounter any of those problems. Then I secretly fell for a boy. He was gentle and refined, wore small glasses, had outstanding grades, and was favored by teachers and surrounded by classmates. We flirted for a while, and our feelings were still developing when he withdrew, and that was the end of it.

On the eve of my return to China, at our farewell dinner, he suggested a threesome—completely out of the blue, which terrified me so much I fled. Years later, I read a novel written by his ex-girlfriend and learned that back in school he had slept with his girlfriend, pursued his dream girl, and flirted with classmates. From that moment on, my worldview was completely shattered.

After working in China for several years, my worldview has been challenged to a whole new level.

I'd barely settled back into the financial district after returning home when a complete stranger from the China Securities Regulatory Commission (CSRC) invited me to drink with them. A private equity guy I met at a meeting, whom I hoped would develop a relationship with, immediately asked to meet at 11 PM. A young fund manager I met on a blind date, though lacking in looks and with flabby muscles, I heard the next day he slept with the receptionist. A man from a foreign bank secretly married someone else behind his girlfriend's back, making her the other woman while he enjoyed the best of both worlds. A PhD from an Ivy League university repeatedly cheated on his wife, shamelessly telling her, "That's how I am, take it or leave it." To his mistress, he openly told her, "I'm married, it's a voluntary arrangement." Not only did he not support his mistress, but he also stole her information to register an investment company, using her resources to do big business.

Could it be that they were all taught by professors at Ivy League business schools?

The financial sector is very large, ranging from the central bank to P2P lending platforms and insurance sales; everyone can claim to be in finance.

Financial men immersed in the capital market

This includes investment banks and securities firms that conduct research on issuance, underwriting, mergers and acquisitions, sales and transactions; funds that conduct investment research; central financial enterprises (such as China Life, PICC, China Export & Credit Insurance Corporation, National Social Security Fund, and State Administration of Foreign Exchange) that conduct investment research; and the central government and the three regulatory bodies that oversee the capital market.

It's said that investment bankers love casual sex, securities firms love prostitutes, fund managers like to sleep with receptionists and sales staff, and those in the public sector are prone to having extramarital affairs with colleagues. It's also been discovered that colleagues in foreign banks and private equity firms are extremely knowledgeable about the market for escorts.

I've heard stories of senior executives at domestic securities firms using overseas business trips to seduce Korean women in New York; Hong Kong sales representatives have reported taking fund managers and researchers to Dongguan for prostitution; and I've even seen sell-side economists, unaware of their own position, hooking up with buy-side analysts. Even the top economists, at the end of the year, still have to kowtow to their female colleagues for votes in the New Fortune rankings, right? Aren't you afraid of attaching your flirtatious text messages to reports and sending them out to everyone?

The most infuriating thing about men working for the system is that they don't spend any money to pick up girls and can say things like, "Are you going to pay the bill or not? If not, I'll have the girls from the X Foundation at the next table pay."

Some official in a certain government department earns a few thousand yuan a month, yet thinks he's a powerful local official, aiming for a mistress who's a minor celebrity. He abuses his power and uses it for sexual purposes. Please, someone who only deals with data, not directly supervising me, why should I fawn over you? You think you're all that with such a small amount of power?

Market-oriented insurance companies and ordinary commercial banks have cultures that are closer to universal social values, and the proportion of "scumbags" is relatively low.

It's also worth mentioning the Big Four accounting firms and business schools. The Big Four don't pay much, but they're notorious for producing scumbags, stingy and creepy men, and they're often involved in scandals like the "sex tape" incident. A few years ago, there was a rumor that a Hong Kong partner owed money to a prostitute, who chased him to the Grand Hyatt in a van full of thugs. Terrified, he hid in his office trembling and had his secretary come downstairs to negotiate, offering a million dollars to settle the matter. Business school professors are notorious for their predatory behavior, openly bringing escorts to events. As for the PEVC venture capital circle, I've heard it's also a hotbed of scumbags, but I don't know much about it, so I'll leave it at that.

Roughly speaking, scumbags are mostly from the group with an annual income of 800,000 to 5 million (after tax) (excluding financial institutions within the system).

This group is a newly emerging class in my country over the past decade, known internationally as the upper-middle class. They are wealthier than the middle class, but not truly rich. Their income is enough to make them feel smug in front of a bunch of ordinary people, but it's still quite a distance from their ideal life as an emperor with a harem of three thousand beauties.

There are upper-middle-class people in all walks of life, but the special nature of the financial industry leads to a large number of recent graduates and young people in their dating years falling into this income bracket. Their restless youth cannot resist the temptations of the dazzling world, and they absorb all the bad habits of corrupt middle-aged and older men. They indulge in drinking, gambling, prostitution, and drug use in their early twenties, and some even turn to crime.

Some of my former colleagues, who are only in their thirties, are about to spend the rest of their lives behind bars.

Why is infidelity so prevalent in the financial sector?

Why has the financial industry become such a cesspool? How did the moral depravity of financial scumbags reach such a heinous level? Is it that people who are greedy for money, lustful, and vain choose finance, or does finance turn people into madmen and lose their minds? We need to analyze the driving forces behind the depravity of financial men.

1. Contact with too many people

A former female colleague once said: Why are relationships between men and women so chaotic in the finance and entertainment industries? Because both industries offer high salaries and involve contact with a large number of people, leading to numerous temptations. Finance is essentially business, and the essence of business is resource matching. It involves finding money for people (investment banking), finding people for money (buy-side investment institutions), and finding money for money (intermediaries). Economic activities involve numerous links, each requiring contact with a large number of people. A male investment banker working on a project will interact with internal lawyers, external lawyers, accountants, corporate managers, company secretaries, IR professionals, government officials, internal sales, other male investment bankers, and sometimes sell-side research, financial journalists, PR firms, etc. Women will be present at every stage, sometimes beautiful women, whether intentionally or unintentionally. Fund managers need to reach larger buy-side clients like insurance, annuities, pension funds, and investment banks, interacting with numerous sell-side researchers and sales personnel, while also maintaining frequent interactions with other fund managers and traders. Traders are as busy as real estate agents, maintaining relationships with hundreds of traders and communicating with fund managers and sell-side research staff.

I'd say I'm one of the most introverted people in the finance industry, but I still have hundreds of colleagues on WeChat. Add to that the changes in circles due to job hopping, and over the years I've worked in this field, I've definitely accumulated thousands of weak ties. I've seen many male colleagues who have multiple phones, each constantly flashing with WeChat messages, and all their WeChat accounts are at their maximum friend limit.

After working in finance for several years, I developed a mild phobia of mobile phones. Phone calls or WeChat messages make me anxious, irritable, and easily angered. This is all a psychological scar left by my past lifestyle of taking calls while showering. So, men in finance are never short of people to talk to, especially women. Don't assume their nights are as lonely and quiet as yours. Their nightlife is incredibly vibrant. Alumni parties, sell-side banquets, colleague dinners, boss treats, industry networking—if they have the energy, they can party every night.

金融行业人员流动性很大，永远有刚毕业的海龟美女新鲜出炉，明眸皓齿的新人源源不断补充进来，从不缺乏新鲜面孔和新的刺激。

2、自我（ego）像宇宙那样大，自信像黄豆那般小

我在金融渣儿身上常看到一种自卑和自大混合在一起的矛盾人格。前一秒还在炫耀 :“你看我朋友圈儿里这么多美女点赞。”后一秒就像怨妇一样磨叽：“我就是一个屌丝，你能找到比我更好的男人。” 他们一下子气吞山河，誓要挣个十亿百亿，一下子又情绪低落，野心像秋天的枯叶一样蜷缩起来，随风碎成齑粉。

金融圈儿成打儿生产于连和盖茨比式的男人（分别是小说《红与黑》《了不起的盖茨比》中的人物）。他们自身能力卓越，孜孜不倦地追求社会成功，从官富二代的围追堵截中突围出来，在等级森严的阶级社会奋力攀爬。但金融圈儿学霸和关系户云集，他们时常要面对竞争失败带来的打击和随之而来的蔑视。一掷千金的客户和坐拥亿万身家的老板更令他们默默体味着野心和现实错位的人生，倍感焦虑。内心时常处于矛盾和冲突当中，人格整合不起来，在理想的自己和现实的自己中找不到桥，日子久了变得脆弱敏感又张狂自大。无论是用一身名牌儿把自己裹起来，还是在party上一腔热血地满嘴乱喷，都是色厉内荏的虚张声势。

自我(ego)和自信巨大的落差，都靠女人和性来填充。只有不停地征服女人——尤其是背景雄厚，才貌出众的女人——才能充盈他们的男性虚荣心。女人是他们的自我推进器（ego boost）。

唐璜和源氏（拜伦长诗《唐璜》日本小说《源氏物语》中的人物）这样的风流贵公子在女人身上寻求的就不仅是男性虚荣心了，还有爱。每个金融渣儿的内心都住着个缺爱的孩子，像巨大的黑洞一样吸噬着女人的情感。金钱世界是个充满敌视和冷漠的环境，金融渣儿又一味地向外攀援，在钱和地位中寻求成就感，不重视精神家园的建设，内心的爱自然会被慢慢耗竭。饥渴的心灵在荒漠上游荡，在性和爱上对女人索求无度，却不懂得付出为何物。

3、金融渣男自带光环

上至央行，下至p2p和保险销售，都可以自称是做金融的。金融这个圈子收入偏高，金融男兼顾长相体面、谈吐不俗。每天高级定制的西装、品质上乘的皮鞋、油光锃亮的油头，单身女青年一听说有单身金融男，两眼放光求介绍是情理之中。

通常这类人看似绅士，阅历丰富、出手大方、品位不俗，时不时以长者的姿态给你上课把脉，但除了钱和肾，绝对不会轻易把心交出来。

很多金融男在校时就睡着女友，追着女神，撩着同学。但他们往往没有足够的资金像地产老板那样供养情妇一沓，私生子若干，于是四处骗炮就成了他们的拙劣模仿。他们活在约炮的虚假繁荣中，借此逃脱狭窄而平庸的现实。甚至达成共识：投行爱约炮，券商爱嫖娼，基金喜欢睡前台和销售，体制男容易和同事闹闹婚外恋。

他们不是久坐成疾，就是加班成狂，由于缺乏锻炼身体每况日下，内心以为床上功夫只需要换三两个姿势就能让姑娘高潮，从“不带套”自以为是，这类幼稚愚蠢，精虫上脑却肾力不足的男人，多是英年早泄。看似阅女无数，花样百出，实操15秒便开始抽烟，嘴里还说：“好累啊，很大很爽吧？”“你很享受吧”。

他们的生活轨迹是一年买车，二年买房，十年退休。来钱快，信息也快，手机一直999未读消息，与人谈话中间最少接三个电话，挂完电话还有两个场子要赶，他们的日程安排恨不能具体到飞秒。

攀比是让他们最为沉迷的事情，总能在自我营造的高潮中获得满足。站在金融街、陆家嘴，已经在脑海中为自己不知何年的成功意淫出奢靡无度的生活场景，每天像夹在煎饼果子里的香肠一样满身是汗挤地铁，看见地铁玻璃上自己199的西服套装，心里却能在长舒一口气后瞬间产生盛气凌人的优越感。

4、金融圈为渣男提供了最肥沃的土壤

金融圈占比最大那部分人群普遍年入百万，为身价亿万的人操心受累，顺便有机会关照下客户家的床，比之中产阶层他们更富裕，比之上层社会又略显寒酸。虽然握着银行卡也有一丝屌丝逆袭的沾沾自喜，但离他们理想中拥有12个不同星座的情人尚有距离。

5、除了娱乐圈，还有哪儿比金融圈更乱？

拿着高收入，每天接触大量的人，面对各式各样的诱惑。金融本质上是商业，商业的实质是资源撮合。为人找钱（投行），为钱找人（买方投资机构），为钱找钱（中介），环节层层渗透，对接的人换了一茬又一茬。

投行男随便一个项目就要接触内部律师、外部律师、会计师、企业管理者若干、董秘若干、ir、政府官员、内部销售若干、其它投行男，有时还有卖方研究、财经记者若干、公关公司等等。每个环节都会有女人，美女出没，是无心或有意的。

基金经理要跑保险年金养老金投行这些更大买方的客户，要接触卖方研究员若干和销售若干，同时也和若干基金经理交易员保持频繁互动，又免不了若干美女接触。

交易员维持着几百个交易员的关系，同样要和若干基金经理、卖方研究员保持沟通。加上跳槽换工作带来的圈子更替，从业几年来，永远有刚毕业的海龟美女新鲜出炉，明眸皓齿的新人源源不断补充进来，从不缺乏新鲜面孔和新的刺激。相识的弱关系上千肯定是有的，睡过的女人不知道十双手够不够数。

金融男不缺人说话，尤其不缺女人说话。校友趴，宴请趴，同事趴，老板请客趴，交流趴，只要体力够，一个小时一个场，夜夜笙歌是常态。

他们自身能力卓越，孜孜不倦地追求自我实现，从官/富二代的围追堵截中突围出来，在等级森严的阶级社会奋力攀爬，时常面对竞争失败带来的打击和随之而来的蔑视，一掷千金的客户和坐拥亿万身家的老板更令他们默默体味着野心和现实错位的人生，倍感焦虑。内心时常处于矛盾和冲突当中，日子久了变得脆弱敏感又狷狂自大。

无论是用阿玛尼把自己裹起来，还是在party上一腔热血地满嘴喷射，都是色厉内荏的虚张声势。内心的空洞还是要靠女人和性来填充，只有不停换着罩杯和体位他们的虚荣心才能一点一点得到满足，心底巨大的黑洞一边吸噬着女人的情感，一边在钱和地位中寻求成就感，真实的爱被慢慢耗竭。

年轻时没有树立远大理想，中年后又被过度的物质追求掏空了灵魂，突然闲下来造成的情绪震荡让人凭空感觉有什么事情要发生，在一种既想兴奋又想休息的矛盾愿望中，期待一个能分担他忧虑的女人，从她假高潮的配合中得到放松、超越和刺激。

是什么激发了金融男渣的基因？

当人体经历兴奋、恐惧、紧张会刺激身体产生肾上腺素，它让人呼吸加快、心跳加速、血脉喷张、瞳孔放大，为身体活动提供更多能量。俗称”打鸡血“。做投资交易的人常年处于这种打鸡血的状态下，精神很亢奋，身体又很疲劳。很多人受不了平静状态，不工作时也会继续寻求这种刺激。

就像《华尔街之狼》中小李子找小姐在办公室做爱一样，无论是吸毒还是做爱都是多巴胺做为鞭策行动的终极动力。

多巴胺激活大脑中的“奖赏回路”，让我们体验幸福愉快的感觉，尤其当刺激强烈时多巴胺会大量爆发出来，让我们进入一种如痴如醉如梦如幻的感官体验。很多人钟情于巧克力以及甜食，就是因为高热量的食物会让大脑分泌释放大量多巴胺，产生愉悦感觉，其实身体渴望的不是巧克力蛋糕，而是多巴胺。

按照多巴胺的分泌程度（以性爱100%为基准）：
一般笑话，30%；
美食，70%；
Sexual intercourse, 100%, orgasm, 200%;
The effect of *** inhalation exceeds 500%, reaching as high as 1000%!
Gambling can surpass drugs. As the stakes increase, dopamine secretion increases exponentially, easily exceeding 500% or 1000%. The highest figure that experiments can achieve is 1200%.

Therefore, almost no one who has experienced this feeling can resist the temptation to try it again!

To some extent, investing in financial derivatives can be seen as the ultimate form of gambling, and therefore one of the ways humans can obtain the highest level of pleasure. This kind of high-risk, high-reward strategy, where you are constantly in a state of high tension, will release a large amount of dopamine in your brain once you receive a reward. Compared to the 200% dopamine concentration that love produces, drug use and gambling have made most people unable to resist. Many financial professionals face the experience of more than 1000% dopamine secretion every day and are in a state of high dopamine concentration for a long time. This is the fundamental reason why finance is so fascinating.

This is why some traders become addicted to gambling, drug use, alcoholism, and promiscuity. These activities stimulate the release of certain substances in the body, keeping the person in a state of heightened arousal. And when a person is in a state of heightened arousal, they are more likely to engage in sex, drink alcohol, and gamble.

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Out-of-control lower body: Why is the financial industry such a cesspool...?

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