…De cómo los economistas estadounidenses no detectaron la gran recesión.
Charles K. Wilber

  Indicadores engañosos Charles K. Wilber  

Indiana / Economía – La gran mayoría de los economistas no fueron capaces de pronosticar la actual crisis económica y financiera –la peor desde los años ’30–. Ahora no son capaces de llegar a un consenso sobre cómo resolverla. Los pocos que vieron lo que se veía venir –como Nouriel Roubini y Robert Schiller– fueron ignorados. James Galbraith, economista de la Universidad de Texas, dijo: "Es una gran mancha en la reputación de la profesión. Hay miles de economistas. La mayoría de ellos son profesores. Y la mayoría enseña un marco teórico que ha probado ser fundamentalmente inútil". Cuando se le preguntó al juez Richard Posner, un influyente teórico de la ley y la economía, porqué las advertencias sobre la inminente crisis fueron ignoradas en vez de investigadas, contestó: "Muchos economistas y líderes políticos están muy comprometidos con la ideología del libre mercado, que enseña que los mercados son fuertes y se regulan solos". Una pregunta razonable podría ser: ¿Por qué hacerle caso a los economistas?

COMO FUNCIONA LA ECONOMÍA

La economía es muy parecida a la teología, a pesar que la primera pretende ser una ciencia. La teología usa principios básicos manifiestos tomados de la revelación o la ley natural y luego, por medio de principios intermedios y juicios, evalúa temas mundanos. La economía usa un modelo abstracto construido sobre supuestos axiomáticos similares sobre cómo funciona el mundo, tales como que las personas están motivadas por el interés propio; que la demanda supera los recursos o que los recursos son móviles y fungibles. Basados en estos principios, los economistas luego desarrollan políticas económicas con la debida consideración para las excepciones del mundo real a sus modelos.

El problema, tanto para teólogos como economistas, radica en el tránsito de lo general a lo específico. No puedo hablar por los teólogos, pero los economistas rara vez son capacitados en la especificidad de cómo funciona el mundo real. En vez de ello, un estudiante de economía pasa todo su tiempo estudiando matemáticas, estadística y teoría general. Estas herramientas son luego usadas para desarrollar políticas mediante la aplicación de dichas herramientas a algún dato establecido en alguna parte y obtener una respuesta. Por ejemplo, la teoría económica dice las diferencias de sueldo entre las personas son el resultado de las diferentes cantidades de capital humano plasmados en los trabajadores.

Sin embargo, ¿cómo puede medirse el capital humano? Dado que eso no existe en realidad, debe usarse una representación del capital humano, un dato susceptible de medirse, como los años de escolaridad de un trabajador. Pero el resultado de este método es que la teoría que está siendo probada tiende a ser autocumplida. Si una prueba estadística contradice la teoría que está siendo probada, la prueba es rechazada y el economista intenta diferentes representaciones hasta que la prueba da el resultado que el economista busca. Los datos se retocarán y la prueba se hará hasta que los resultados "prueban" la teoría. ¿Por qué? Porque los economistas creen en los principios de la teoría microeconómica de la misma manera que los teólogos creen en los principios básicos de su fe.

CONVERTIRSE EN ECONOMISTA

¿Cómo se es economista? David Colander, en su encantador libro The Making of an Economist, Redux, dice:

Si una estudiante de pregrado le preguntara a un economista cómo convertirse en economista, éste le contestaría que fuese a la Universidad. La estudiante podría objetar, preguntando: "¿No tendría más sentido ir a Wall Street y aprender cómo funcionan los mercados?" La experiencia directa puede parecerle a ella como una buena idea, pero la mayoría de los economistas desecharían la sugerencia enérgicamente. "Entonces tal vez debería conseguirme un trabajo en una empresa de verdad -digamos una que produzca autos". Nuevamente, la respuesta será "no, así no se aprende economía". Ella podría intentar nuevamente. "Bueno, ¿y qué tal si me leo a todos los grandes economistas del pasado: John Stuart Mill, David Ricardo, Adam Smith?" La mayoría le diría "No te va a hacer daño, pero probablemente no te va a ayudar". En vez de ello, lo más probable es que le diría: "Para convertirse en economista que es considerado un economista por los otros economistas, debes ir a la universidad a estudiar economía". Entonces, la verdad es que para los economistas, un economista es una persona que tiene un título universitario -preferentemente un doctorado- en economía. Esto significa que lo que define a un economista es lo que él o ella aprenden en la universidad.

En los últimos 30 años aproximadamente, la malla curricular de los estudios de economía se ha ido pareciendo cada vez más a un programa de matemáticas aplicadas a la vez que le resta importancia a la historia económica, la historia del pensamiento económico, estudios industriales y relaciones industriales. La reducción del enfoque se incrementa a medida que el estudiante termina su posgrado y empieza a trabajar en la academia. Las mayores se las llevan aquellos que hacen avances de teorías y publican en las seis publicaciones académicas más conocidas. Estas publicaciones aceptan pocos artículos que no empiecen con el modelo abstracto estándar y luego deriven en algún resultado nuevo e "interesante". Por el contrario, publicar en revistas de políticas públicas es considerado mucho menos prestigioso e incluso puede jugarle en contra a algún aspirante a académico al mostrar que no se es un economista serio. Y por supuesto, después de obtener el puesto, es lo que uno sabe hacer.

LAISSEZ-FAIRE VS KEYNES

El modelo microeconómico que está al centro de la teoría económica es una hermosa construcción matemática. Basada en los supuestos del interés propio de los actores económicos, la perfecta movilidad de los recursos, la competencia perfecta, nada de externalidades, etc., el modelo da un resultado Pareto óptimo –es decir, aquél en que nadie puede mejorar su situación sin que empeore la situación de otro. Dado que los economistas descartan las comparaciones interpersonales de utilidad, no hay nada más que decir. El resultado es que los economistas aprenden a creer que así funciona el mundo, y con frecuencia, los estudiantes que se inclinan por la economía son aquellos que parten creyéndolo. Además, la investigación en economía conductual indica que a medida que los alumnos de pregrado estudian economía, ellos mismos demuestran creciente conducta centrada en sus intereses personales.

Hasta mediados de los ’30, la mayoría de los economistas creían que una economía "de libre mercado" sería capaz de solucionar cualquier problema que surgiera; creían que si los bienes y servicios y los insumos de la producción se vendían y compraban en los mercados, la economía funcionaría de manera óptima. El resultado fue una economía desregulada o de laissez-faire; el gobierno no interferiría con el mercado.

Con la caída de la economía en los ’30, sin embargo, la economía del laissez-faire parecía estar desacreditada. En lugar, aparecieron las políticas activistas de la economía Keynesiana, que dominó hasta la estanflación de finales de los ’70. Uno de los pilares del pensamiento de Keynes era su teoría de la inversión. Creía firmemente que las decisiones de inversión estaban íntimamente ligadas con lo que él llamaba "espíritu animal", el efecto emocional que regula el comportamiento humano. La palabra sugería fragilidad e inestabilidad en los mercados, aunque el sentido del término, en gran medida, estaba restringido a expectativas de ganancias u optimismo comercial.

Keynes tenía amplia evidencia para su teoría con la Gran Depresión, ya que a pesar que la necesidad de inversión era enorme y las tasas de interés habían caído bajo el 1%, el nivel de inversión era mínimo. Ningún hombre o mujer de negocios en su sano juicio iba a invertir, sin importar cuál fuera la tasa de interés, si estaba convencido que el proyecto reportaría pérdidas en el futuro. Así, las bases sicológicas de las expectativas de ganancia hacen de la economía más un arte que una ciencia.

Además, Keynes rechazaba la idea neo-clásica que la reducción de salarios restauraría el pleno empleo al permitir a los empleadores contratar más trabajadores dado su menor costo. En vez de ello, argumentaba que los salarios eran más que un simple costo de producción, sino que formaban parte de la demanda agregada. Si caen los salarios, argumentaba, la demanda agregada por bienes, servicios y ventas caerán. Si caen las ventas, caen las ganancias y las empresas requieren menos trabajadores. La experiencia de la Gran Depresión resultaba convincente para todos lo que no estaban casados con la economía clásica o neo-clásica.

Sin embargo, una pequeña banda de economistas jamás aceptó la idea Keynesiana que el gobierno debía jugar un papel importante en la estabilización de la economía o que no existía la auto-regulación de los mercados. Casi desde el comienzo hubo esfuerzos por reinterpretar a Keynes para que su macroeconomía resultara compatible con la microeconomía neo-clásica. Finalmente, este trabajo produjo la idea de "microfundación", el método en el cual cualquier macroeconomía estaba construida sobre la conducta individual que era racional e informada. En esta teoría de expectativas racionales en la cual los actores económicos están perfectamente informados, éstos actúan de tal manera que cualquier política gubernamental no funcionará a menos que sea completamente sorpresiva. De esta manera, en el mejor de los casos, la política Keynesiana es vista como ineficiente y muy probablemente dañina.

Esta versión revisada del laissez-faire reinó en los años ‘80 después de la elección de Ronald Reagan. En el centro de esta teoría está la creencia que los mercados se corrigen solos. A partir de ello, los economistas financieros crearon la "hipótesis del mercado eficiente", según la cual los mercados trasladan a los precios toda la información disponible públicamente, de manera rápida y correcta. Bajo la fuerte versión de esta teoría, la única razón por la cual los precios de bienes como las acciones cambian es que hay nueva información disponible, por lo tanto los mercados financieros no podrían asignarle precios equivocados a los bienes de manera permanente, y por lo tanto necesitaban poca regulación.

Entre su poca capacitación técnica y su opinión a priori a favor de la libertad del mercado, la mayoría de los economistas no fueron capaces de ver cómo se acercaba la tormenta perfecta de la recesión económica y la crisis financiera. De hecho, pavimentaron el camino para ello al presionar por la desregulación de los mercados financieros, lo que a su vez permitió la creación de toda clase de dudosos nuevos instrumentos, incrementando ferozmente el nivel de endeudamiento del capital bancario, e incluso permitiendo que grandes operaciones fraudulentas (esquemas Ponzi) no fueran detectadas. Cuando a esto se le sumó la bajísima tasa de interés establecida por la Reserva Federal, la consecuencia natural fue la "burbuja" creada en el mercado inmobiliario, y el contagio a todo el sector financiero fue catastrófico.

¿ADMITIENDO EL FRACASO?

El reconocimiento del fracaso del libre mercado más sorprendente fue la del anterior presidente de la Reserva Federal Alan Greenspan, en el otoño de 2008, cuando admitió que el régimen monetario de la Reserva Federal se había basado en un "error". "Todo la construcción intelectual –dijo–, se vino abajo en el verano del año pasado".

Robert Schiller, economista de Yale, cree que la incapacidad para pronosticar el colapso financiero es el resultado del temor a desviarse del consenso de la profesión. Y no cree que los economistas hayan aprendido la lección: "Los modelos de expectativas racionales van a ser ajustadas y quedarán como las responsables de la actual financiera. La malla curricular básica no va a cambiar". Dani Rodrick, economista de Harvard, en referencia al modelo de libre-mercado dijo que: "Nos hemos obsesionado con uno de los cientos de modelos posibles y lo hemos elevado por encima de aquellos". John Kay, columnista financiero de The Financial Times, escribió:

El físico Max Planck dijo que evitaba la economía porque era muy difícil. Planck, dijo Keynes, podría haber dominado lo que se ha escrito sobre economía matemática en unos pocos días –hoy podría tomarle unas pocas semanas–. Keynes luego explica que el entendimiento económico requería una amalgama de lógica e intuición y un gran conocimiento de hechos, la mayoría de los cuales no son precisos: "un requisito abrumadoramente difícil para aquellos cuyo don consiste principalmente en el poder para imaginar y seguir las implicancias y las condiciones previas de hechos comparativamente simples de los cuales se tiene conocimiento con un alto grado de precisión, hasta sus consecuencias más extremas". Sobre esto, como sobre muchas otras cosas, Keynes tenía razón.

SIGNOS ESPERANZADORES

No puedo terminar sin decir algunas cosas positivas sobre la economía y los economistas. Hay mucho trabajo nuevo que es emocionante y que conllevan diferentes grados de esperanza para la regeneración de la economía, a pesar que todavía raramente se le incluye en las mallas curriculares. Economía conductual, economía evolucionaría, economía de la felicidad, economía del capital social y normas sociales, y la economía de la información asimétrica, todas conllevan la esperanza de romper las limitaciones tanto del formalismo metodológico como del equilibrio competitivo. Asimismo, la teoría de las finanzas conductuales debiera proveer bases más sólidas que las que entrega la hipótesis del mercado eficiente para los análisis futuros de los mercados financieros.

Aún más prometedor resulta el creciente reconocimiento que las economías necesitan comportamiento ético además del interés propio. Las economías modernas han adoptado de manera selectiva la metáfora de la mano invisible de Adam Smith, concentrándose en los económicamente asombrosos efectos del carnicero y el panadero que se dedican a su negocio en beneficio de su propio interés e ignorando la descripción anterior de Smith de la misma mano deísta impulsando la creación de una sociedad virtuosa. La virtud sirve como "la fina pátina de las ruedas de la sociedad" mientras que el vicio es "como la vil herrumbre que los sacude y los hace rechinar". Como argumenta Jerry Evensky, economista de la Universidad de Syracuse, para Smith "la heroína es la ética –no el interés propio o la codicia- ya que la ética defiende las relaciones sociales del caos Hobbsiano". En efecto, Smith procuró distanciar su tesis de la idea que la codicia individual podía ser la base para el bien común. Su idea que la virtud es un prerrequisito para una sociedad de mercado deseable sigue siendo una importante lección.
__________________
Charles K. Wilber es profesor emérito de economía y ayudante en el Kroc Institute for International Peace Studies de la Universidad de Notre Dame en Indiana. Artículo publicado en revista America, www.americamagazine.org


 
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