经济学人：零工经济随时摇滚

经济学人:零工经济:随时摇滚

Special Report

特别报道

A special report on the economics longevity.

一篇有关经济寿命的特别报道

Rock around the clock

随时摇滚

The other gig economy.

另一种零工经济。

Rockers are no different from the rest of us:they,too,need to work for longer to maintain a decent standard of living in retirement.

摇滚明星和我们普通人并无不同，他们同样要工作久点，来维持退休后有不错的生活水平。Previous generations could rely on record sales and royalties to fund their pensions,but digital disruption has largely closed off such revenues,so the performers have to get back on the road.

前几代的摇滚前辈们可以依靠唱片发行和版税积攒养老金，但是数据化的扰乱已使得这种收入大大受损，所以这些表演者不得不回到原来的路上。

That involves new financial risks.

这还牵涉到新的金融危机。

Rock stars have always been risky assets;one study suggests that they are1.7 times as likely to die as others of the same age.

摇滚明星们总是处于资产危机之中；一项研究表明，他们可能死亡的概率是同龄人的1.7倍。

Now that revenues from concerts have become so much more important,the potential losses to tour organisers have ballooned.

因为来自音乐会的收入现在变得尤为重要，这些使得巡回演出的主办方的潜在损失激增。That applies all the more if the performers are a bunch of70-year-olds who may not always have treated their bodies as temples.

如果演出者更是一群七老八十岁的、身板儿经不起折腾的老演员的话，这些损失将会更大。This is where financiers come in.

这也是投机者钻空子的地方。

Concert organisers and others who depend on mature rockers for their income are more likely to insure against the risk that their performers might not show up,says Jonathan Thomas,a Lloyd's underwriter.

Lloyd公司的保险商Jonathan Thomas表示，演唱会的组织者和其他依靠年长的摇滚歌手来获得收益的人，更有可能投保其表演者可能不会出现的风险。

He has seen this market for“non-appearance products”grow as musicians get older.

他也看到了“最终未出席”市场随着音乐人年龄渐长增长。

Film studios take out similar cover for mature stars.

电影制片场亦在那些年迈的电影明星身上效仿此举。

Disney must have been relieved to have done so for Carrie Fisher,who died at the age of60last year before completing filming on all the“Star Wars”films she was contracted for,triggering a claim which could go up to$50m.

迪士尼定会因其已为影星凯莉·费雪投保，而松了口气。凯莉·费雪于去年逝世，享年60岁，生前尚未拍摄完所签约的星球大战系列电影，故迪士尼可获理赔达5000万。

Rockers themselves are also taking out insurance against the most common ailments thatcould stop them from carrying on working.

摇滚歌手自己也会为一些会妨碍他们工作的常见疾病投保。

Aside from overdosing,typical career-ending injuries used to include electroc ution(all thatelectrical equipment),but now are more likely to be osteoporosi s and loss of hearing.

除了服药过量，常见的终结职业生涯的伤病常包括触电（一切电力设备），但是现在更多是骨质疏松或是耳朵失聪。

The Rolling Stones'lead guitarist,Keith Richards,who is73,has insured his hands for$1.6m.

滚石乐队中，73岁的吉他手领队基斯·理查德，就为他的双手投保160万美元。Underwriters are ready to accept their clients'lifestyle and work hazards,arg uing that wherethere is risk,there is reward—if the price is right.

保险商会做好准备，去接收投保人的生活方式和工作风险，因为保险商认为，有风险，就有回报―只要价格合适。

“It's a badly misunderstood market,and one70-year-old rocker is not like t he other;there'splenty of scope for savvy underwriting,”says one of them.

其中一个保险商说，“这是个不为人所理解的市场，因为70岁的摇滚歌手不同于其他人；但对熟通保险业的人来说，在这个市场，却有足够的发挥空间”。

And the insurers do take precautions.

承保人会做好预防措施。

Exclusions for pre-existing conditions,especially those related to alcohol ab use or failinglivers,are common.

对既存问题的排除十分普遍，尤其是那些与酗酒、肝脏衰竭相关的既存问题。

Rockers of advanced years are also good for busting stereotypes about older workers.

年长的摇滚歌手也有益于打破那些对于年长工作者的传统认知。

Their energy levels may be lower,but they often pace themselves more and l ook afterthemselves better than in their younger days;not so much sex and drugs,more tea and yoga.

也许他们的体能有所下降，但是相较于年轻时候，他们会更频繁地调整自己的生活节奏，会更好地照顾自己，现在他们热衷的不再是性欲和磕药，而是茶和瑜伽。

Sometimes such moderation is imposed by their insurers.

有时他们的承保人也会要求他们如此克制。

The Stones“14on Fire”tour contract is said to have contained exclusion c lauses for a variety of dangerous pursuits.