世界500強CEO訪談 第28期:花旗集團潘迪特 盡力確保增加股本總額(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 engulfed 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.

記者：潘迪特先生現(xiàn)在做客我們的節(jié)目。他2007年12月份成為花旗集團的首席執(zhí)行官，距現(xiàn)在還不到一年。他現(xiàn)在正在領導公司走出其歷史上最困難的時期。自公司經歷經濟危機之后，潘迪特先生第一次參加電視采訪節(jié)目。很高興潘迪特先生能夠在此時此刻跟我們 談論有關花旗集團的情況，以及他對目前我們所面臨的經濟危機的看法。歡迎您。

Vikram Pandit: Charlie, thank you for having me.

潘迪特：查理，謝謝您邀請我來。

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.

記者：很高興您能夠來參加我們的節(jié)目，我們也感謝您參加的首次電視采訪是我們的節(jié)目，我們就把它當做是一次談話吧。那我們就首先來談一下，您對今天財政部長保爾森對外宣布的事情的看法。一個金融專欄作家對我說，那是非常激動人心的。

Vikram Pandit: It is a very interesting plan. The plan is about reducing the rates on mortgages, ultimately 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 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：那是一個很有趣的計劃。計劃是有關降低抵押借款的利率，最終幫助人們買房。所以，當他宣布人們可以購買價值8000億美元的有價證券的時候，市場上發(fā)生的事情就是：人們的交易變得更 好，提高了大約50個基點。如果提高了50個基點，這50個基點就直接轉化為私房屋主的抵押貸款。那是我們所要做的第一步，因為最終我們將進軍房地產。

Reporter: Yes. People say that constantly, that in the end this crisis will be averted 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?

記者：是的，人們對此作出的即時反應就是：金融危機最終將會轉移，因為房產市場將會恢復，我們要處理有關住房抵押和喪失抵押品贖回權的問題。您認為還會有什么事情將要發(fā)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，還有3件或者4件事情將會發(fā)生。我們剛才談論了住房問題，那也許是最重要的一件事情，我們必須要解決。另一個問題是銀行和全世界金融機構會發(fā)現(xiàn)他們現(xiàn)在持有更多的有價證券，在現(xiàn)如今的形勢下，他們可能并不想要那么多，這被稱為“金融機構減債”。

Reporter: Right. All financial institutions are deleveraging.

記者：是的，金融機構都在進行減債。

Vikram Pandit: I think that’s right. Around the world. And there may be...

潘迪特：我想是這樣的，而且這是世界范圍的，也許會有...

Reporter: Around the world.

記者：全世界都這樣。

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 the banks don’t want?

潘迪特：第三是無論什么時候我們經歷一次這樣的周期，它都著實會影響到經濟，所以我們現(xiàn)在正在朝向失業(yè)率上升的市場和經濟走去。所以你考慮一下，應該做些什么事情以抵御這些情況，你就會想到首先就要直接向房產業(yè)進軍。保爾森財長今天做的事情就是邁出了第失業(yè)一步。面對這種情況，很多人都會有許多不同的做事方式。最后，我們就要考慮，我們應該如何處理那些銀行不想要的資產。

Reporter: Right, these so-called toxic assets.

記者：是的，就是那些所謂的不良資產。