世界500强CEO访谈 第32期:花旗集团潘迪特 面临着信用危机(2)
时间:2017-03-30 04:23:31
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(单词翻译)
Vikram Pandit: When you look at the announcement that came out—and it was a joint1 announcement by the FDIC, the Federal Reserve and the Treasury2—it takes about Citi,but it also talks about a lot of different things. It talks about how all the regulators and the Treasury, everybody is going to stand behind the US financial system. And it was about making sure people understood that all measures, all resources available to us would be used to make sure there was not an issue of confidence in the US financial markets and the banking3 institutions of the US financial markets. That was to me the major part of the announcement. Obviously, given where we were at Citi, with where the stock price was,just an announcement, we would have been OK. I mean, it could have worked. The announcement might have been enough a week ago,two weeks ago, three weeks ago,but now that we’re here...
潘迪特:如果你看一下由美国联邦存款保险公司、联邦储备系统和财政部共同发布的公告,它是有关花旗集团的,也是有关很多其他事情的。它谈到,所有监管者和财政部每一个人都会成为金融体系的后盾,它旨在确保人们明白美国金融市场和银行体系等不存在缺乏信心的问题,我们将会采取一切可以采取的措施,利用一切可利用的资源来实现这一目标。这对于我来说是这个公告最重要的部分。很明显的,考虑到我们花旗现在的境况,考虑到股票的价格,对于那个公告我们都觉得能够接受。我的意思是,那个公告也许会发挥它的作用,它也许对于一周之前、两周之前、三周之前的形势产生一定的作用,但是现在......
Reporter: Some have said—many have said, and I think Bemanke has even mentioned this, not necessarily with respect to Citi—I don’t remember—some institutions are too big to fail. Clearly, as the world’s largest financial institution at one time, you were too big to fail. Is Citi too big to manage?
记者:有人说过,我想伯南克先生也曾经提及过,一些机构太大了以至于不能让他们破产,我记不太清楚了,他们指的不一定就是花旗集团。很明显,一度作为世界上最大的金融机构,花旗集团太大了,它不能够破产。花旗集团会因为规模太大而难以管理吗?
Vikram Pandit: You know, Charlie, the answer is no. It’s not too big to manage. Let’s talk a little bit about Citi. I mean, you are bringing up a question about Citi. What is unique about Citi? What is unique about Citi is that we’re in 109 institutions around the world. Which means we bring the world to our clients and we bring our clients to the world. We're
helping4 the world globalize. It’s a very unique place to be, and probably exactly the place to be, given what’s happening around the world, globalization, trade flows, capital flows. With those 109 countries come the requirement to operate the company in exactly the right way. And what we’ve been doing and I’ve been doing over the last 11 months is saying, OK, that’s what we,re good at. We’re good at bringing the world to our clients and our clients to the world. And then you get back to saying that when I help my clients, I help them save...
潘迪特:查理,你知道答案是“不”,它并不会因为大而难管理。让我们来谈论一下关于花旗的情况。我的意思是,你提出了一个有关花旗的问题。花旗究竟有什么独特之处呢?我们的独特之处就在于在全世界拥有109个分公司,也就是说,我们的客户来自于全世界,我们也将客户带向全世界。我们在帮助世界实现全球化,考虑到现在世界上所发生的事情:全球化、贸易往来、资金流通等,我们的确是有独特之处的。在那 109个国家中,人们要求公司能够以一种非常准确的方式运行,而那就是我们在过去的11个月的时间里所作的事情,我们对此很擅长。我们擅长于将我们的客户带向全世界,也擅长于从全世界发掘我们的客户。然后你可以说,当我们帮助客户的时候,我们帮助他们节省了……
Reporter: OK, but you are saying it’s not too big. Certain assets we had that we shouldn’t necessarily have had, whether it's insurance or whatever it might have been, but we’re going to clean it up. But the idea of being too big to manage is not an idea that you accept. Is that right? What’s your opinion about it?
记者:是的,但是你的意思是花旗并不是—个很大的集团。也许我们拥有一些我们并不应该拥有的资产,无论是保险还是什么,但是我们会将其清除,但是说花旗太大以至于不好管理的观念您并不能够接受,是吗?您对此的看法是什么呢?
Vikram Pandit: It’s definitely not a company that’s too big to manage. It’s a company that is being refocused on its uniqueness. A company where we're slimming down, we’re simplifying, we’re getting it more efficient, and going back to our core purpose. And our core purpose is to be a bank. What does a bank do?
潘迪特:花旗绝不是一个大得难以管理的公司,而只是重新着眼于它的独特之处。我们进行公司楕简,使其效率更高,然后再回到我们的中心目标上去。我们的中心目标就是成为一家银行。银行都要做些什么工作呢?
Reporter: It loans money.
记者:银行给人们提供贷款。
Vikram Pandit: It helps people save. It loans money to people that need it.
潘迪特:银行帮助人们节省资金,借钱给需要的人们。
Reporter: And gives them a place for their deposits.
记者:并且为人们提供储蓄。
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