世界500強(qiáng)CEO訪談 第32期:花旗集團(tuán)潘迪特 面臨著信用危機(jī)(2)

Vikram Pandit: When you look at the announcement that came out—and it was a joint announcement by the FDIC, the Federal Reserve and the Treasury—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 banking 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：如果你看一下由美國(guó)聯(lián)邦存款保險(xiǎn)公司、聯(lián)邦儲(chǔ)備系統(tǒng)和財(cái)政部共同發(fā)布的公告，它是有關(guān)花旗集團(tuán)的，也是有關(guān)很多其他事情的。它談到，所有監(jiān)管者和財(cái)政部每一個(gè)人都會(huì)成為金融體系的后盾，它旨在確保人們明白美國(guó)金融市場(chǎng)和銀行體系等不存在缺乏信心的問題，我們將會(huì)采取一切可以采取的措施，利用一切可利用的資源來實(shí)現(xiàn)這一目標(biāo)。這對(duì)于我來說是這個(gè)公告最重要的部分。很明顯的，考慮到我們花旗現(xiàn)在的境況，考慮到股票的價(jià)格，對(duì)于那個(gè)公告我們都覺得能夠接受。我的意思是，那個(gè)公告也許會(huì)發(fā)揮它的作用，它也許對(duì)于一周之前、兩周之前、三周之前的形勢(shì)產(chǎn)生一定的作用，但是現(xiàn)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?

記者：有人說過，我想伯南克先生也曾經(jīng)提及過，一些機(jī)構(gòu)太大了以至于不能讓他們破產(chǎn)，我記不太清楚了，他們指的不一定就是花旗集團(tuán)。很明顯，一度作為世界上最大的金融機(jī)構(gòu)，花旗集團(tuán)太大了，它不能夠破產(chǎn)?；ㄆ旒瘓F(tuán)會(huì)因?yàn)橐?guī)模太大而難以管理嗎?

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 helping 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”，它并不會(huì)因?yàn)榇蠖y管理。讓我們來談?wù)撘幌玛P(guān)于花旗的情況。我的意思是，你提出了一個(gè)有關(guān)花旗的問題?；ㄆ炀烤褂惺裁椽?dú)特之處呢?我們的獨(dú)特之處就在于在全世界擁有109個(gè)分公司，也就是說，我們的客戶來自于全世界，我們也將客戶帶向全世界。我們?cè)趲椭澜鐚?shí)現(xiàn)全球化，考慮到現(xiàn)在世界上所發(fā)生的事情：全球化、貿(mào)易往來、資金流通等，我們的確是有獨(dú)特之處的。在那 109個(gè)國(guó)家中，人們要求公司能夠以一種非常準(zhǔn)確的方式運(yùn)行，而那就是我們?cè)谶^去的11個(gè)月的時(shí)間里所作的事情，我們對(duì)此很擅長(zhǎng)。我們擅長(zhǎng)于將我們的客戶帶向全世界，也擅長(zhǎng)于從全世界發(fā)掘我們的客戶。然后你可以說，當(dāng)我們幫助客戶的時(shí)候，我們幫助他們節(jié)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?

記者：是的，但是你的意思是花旗并不是—個(gè)很大的集團(tuán)。也許我們擁有一些我們并不應(yīng)該擁有的資產(chǎn)，無論是保險(xiǎn)還是什么，但是我們會(huì)將其清除，但是說花旗太大以至于不好管理的觀念您并不能夠接受，是嗎?您對(duì)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：花旗絕不是一個(gè)大得難以管理的公司，而只是重新著眼于它的獨(dú)特之處。我們進(jìn)行公司楕簡(jiǎn)，使其效率更高，然后再回到我們的中心目標(biāo)上去。我們的中心目標(biāo)就是成為一家銀行。銀行都要做些什么工作呢?

Reporter: It loans money.

記者：銀行給人們提供貸款。

Vikram Pandit: It helps people save. It loans money to people that need it.

潘迪特：銀行幫助人們節(jié)省資金，借錢給需要的人們。

Reporter: And gives them a place for their deposits.

記者：并且為人們提供儲(chǔ)蓄。