世界500强CEO访谈 第28期:花旗集团潘迪特 尽力确保增加股本总额(1)

 　　Reporter: Vikram Pandit is here. He became CEO of Citigroup in December 2007, less than a year ago. He now finds himself leading the company during its most difficult time. He joins me for his first television interview since the economic crisis 1 engulfed 2 his company. I’m pleased to have Vikram Pandit at this time, at this table to talk about Citigroup, as well as how he sees the circumstances of the economic crisis we face. Welcome.

　　记者：潘迪特先生现在做客我们的节目。他2007年12月份成为花旗集团的首席执行官，距现在还不到一年。他现在正在领导公司走出其历史上最困难的时期。自公司经历经济危机之后，潘迪特先生第一次参加电视采访节目。很高兴潘迪特先生能够在此时此刻跟我们 谈论有关花旗集团的情况，以及他对目前我们所面临的经济危机的看法。欢迎您。
　　Vikram Pandit: Charlie, thank you for having me.
　　潘迪特：查理，谢谢您邀请我来。
　　Reporter: It’s a pleasure to have you here, and I appreciate the fact that this is your first television interview. And I want to view it as a sense of a conversation. Let me begin by what you think of what Secretary Paulson announced today. I mean, a financial writer said to me, this is breathtaking.
　　记者：很高兴您能够来参加我们的节目，我们也感谢您参加的首次电视采访是我们的节目，我们就把它当做是一次谈话吧。那我们就首先来谈一下，您对今天财政部长保尔森对外宣布的事情的看法。一个金融专栏作家对我说，那是非常激动人心的。
　　Vikram Pandit: It is a very interesting plan. The plan is about reducing the rates on mortgages 4, ultimately 5 to help people buy homes. And so, as he announced these $800 billion worth of securities that can be bought as a result of that, what’s already happened in the market is they’ve started trading better and they are about 50 basis points better. And if they are 50 basis points better, that 50 basis points gets translated directly into a mortgage 3 to a homeowner. That’s the beginning of what we need to do, because ultimately we are going to have to attack housing.
　　潘迪特：那是一个很有趣的计划。计划是有关降低抵押借款的利率，最终帮助人们买房。所以，当他宣布人们可以购买价值8000亿美元的有价证券的时候，市场上发生的事情就是：人们的交易变得更 好，提高了大约50个基点。如果提高了50个基点，这50个基点就直接转化为私房屋主的抵押贷款。那是我们所要做的第一步，因为最终我们将进军房地产。
　　Reporter: Yes. People say that constantly, that in the end this crisis will be averted 6 because the housing market will turn around and we will have dealt with home mortgages and foreclosures. What else do you believe is necessary to happen and for the government to do?
　　记者：是的，人们对此作出的即时反应就是：金融危机最终将会转移，因为房产市场将会恢复，我们要处理有关住房抵押和丧失抵押品赎回权的问题。您认为还会有什么事情将要发生呢？政府需要做些什么呢？
　　Vikram Pandit: There are three or four things that are going on, Charlie. We talked about housing. That is probably the most important thing. We have got to deal with it. The second part is that the banks and the financial institutions around the world have found themselves with more securities than they would like to hold today. That is called a deleveraging of financial institutions.
　　潘迪特：查理，还有3件或者4件事情将会发生。我们刚才谈论了住房问题，那也许是最重要的一件事情，我们必须要解决。另一个问题是银行和全世界金融机构会发现他们现在持有更多的有价证券，在现如今的形势下，他们可能并不想要那么多，这被称为“金融机构减债”。
　　Reporter: Right. All financial institutions are deleveraging.
　　记者：是的，金融机构都在进行减债。
　　Vikram Pandit: I think that’s right. Around the world. And there may be...
　　潘迪特：我想是这样的，而且这是世界范围的，也许会有...
　　Reporter: Around the world.
　　记者：全世界都这样。
　　Vikram Pandit: And the third part is, whenever we go through a cycle of this sort, it does start affecting the economy. So we’re heading into a market and the economy where unemployment is rising. And so as you think about what needs to happen, you have got to attack housing directly. And what Secretary Paulson did today is one step. There can be a lot of different things one can do on that. The last part is to try and figure out what do we do with these assets 7 the banks don’t want?
　　潘迪特：第三是无论什么时候我们经历一次这样的周期，它都着实会影响到经济，所以我们现在正在朝向失业率上升的市场和经济走去。所以你考虑一下，应该做些什么事情以抵御这些情况，你就会想到首先就要直接向房产业进军。保尔森财长今天做的事情就是迈出了第失业一步。面对这种情况，很多人都会有许多不同的做事方式。最后，我们就要考虑，我们应该如何处理那些银行不想要的资产。
　　Reporter: Right, these so-called toxic 8 assets.
　　记者：是的，就是那些所谓的不良资产。