世界500强CEO访谈 第31期:花旗集团潘迪特 面临着信用危机(1)

 　　We're faced with a credit crisis

　　我们面临着信用危机
　　Reporter: Not a significant number of people of great wealth coming and saying, ‘Tm worried about Citibank, I’ve seen the stock collapse 1, and we better get our deposits out of there?”
　　记者：并没有多少富人过来说：“我为花旗感到担忧，因为看到了股票的崩溃，我们最好将在花旗的储蓄都取出？”
　　Vikram Pandit: That’s right. That’s right. And so，you know, from that perspective, again, with 300,000 people around the world knowing exactly the strength of the bank, we did a pretty good job of making sure we had informed our clients about the strength of Citi. So really, what could happen this coming week that we’re in? And it became pretty clear that this was something that was bigger than Citi. In the sense that...
　　潘迪特：是的，是这样的。另外，从这个角度来说，世界上30万人都清楚地了解我们银行的实力所在，我们确实也在使顾客们对我们花旗保持信任的事情上下了很大功夫。那么，这周到底还会发生什么事情呢？很明显的，那个事情要比花旗的事情大很多，从某种意义上来说……
　　Reporter: What was it?
　　记者：是什么呢？
　　Vikram Pandit: In the sense that if it is about Citi— and it was really about the entire financial system. It was about confidence in the financial system. It was about stability of the financial system. It really was about the US banking 2 system. And for Citi, we have a rather unique place. We，re in 109 countries around the world, and Citi’s strength is viewed to be America’s strength, in many ways.
　　潘迪特：如果那是关于花旗的，那它就真正的关系到整个金融体系。这事关人们对于整个金融体系的信心，事关金融体系的稳定，这真的与美国的银行体系有关。对于花旗来说，我们处于一个独特的位置，我们在世界上的109个国家都有分公司，从很多方面，花旗的力量即被视为是美国的力量。
　　Reporter: OK, so you knew you had a crisis and a crisis of confidence that may go beyond Citibank and you had to do something. And it’s negotiated all over the weekend and it’s not decided 3 until 12: 00 on Sunday night—I think—that is the report we have. How was it negotiated? Whose plan was it? Was this your plan? This plan for $306 billion in terms of after the initial loss—if there was an initial loss in some of these securities, you would cover the first $29 billion, and then after that, the government would cover 90 percent of the loss, and therefore you had a guarantee that the assets would be in a sense protected. And that instills confidence. You had $20 billion in terms of preferred took place as well. Was that your plan? Was that Geithner’s plan? Was that Paulson’s plan? How do those things happen?
　　记者：那么您知道，你们现在正面临一场危机，并且也存在有人对于花旗的信心危机的问题，所以你必须要做些什么。事情在周末的时候得到协商，一直到周日晚上12点，事情才最终被决定下来，这是我们所听到的报道。那么协商将如何进行呢？那是谁的计划，是您的计划吗？计划是针对于起初的亏损而制定的3060亿美元，即如果一些有价证券在开始的时候出现亏损，您将会弥补最初的290亿美元，在那之后，亏损的90%将由政府买单，因此从某种意义上来说，您保证了资金会受到保护，那就逐渐使人们对此有了信心。您还有200亿美元的资金用于首选的—些情况，那是您的计划吗？是盖特J纳的计划？还是保尔森的计划呢？那些事情是怎么发生的？