布什就金融危機(jī)后美國經(jīng)濟(jì)形勢發(fā)表演講

布什就金融危機(jī)后美國經(jīng)濟(jì)形勢發(fā)表演講 英文版

Good morning.

This week, Congress passed a bipartisan rescue package to address the instability in America’s financial system. This was a difficult vote for many members of the House and Senate, but voting for it was the right choice for America’s economy and for taxpayers like you. I appreciate their efforts to help stop the crisis in our financial markets from spreading to our entire economy. And I appreciate their willingness to work across party lines in the midst of an election season.

The legislation Congress passed provides the necessary tools to address the underlying problem in our financial system. The root of this problem is that, as assets that banks hold have lost value, their ability to provide credit has been restricted, making it more difficult for businesses and consumers to obtain affordable loans.

Without decisive action, this credit crunch threatens to harm our entire economy. With this legislation, the Federal government can help banks and other financial institutions resume lending. This will allow them to continue providing the capital that is essential to creating jobs, financing college educations, and helping American families meet their daily needs.

Though the $700 billion dedicated to this plan is a large amount, the final cost to taxpayers will actually be much lower. Many of the assets that the government will be purchasing still have significant underlying value. As time passes, they will likely go up in price. And this means that the government should eventually be able to recoup much, if not all, of the original expenditure.

This package will also increase the safety of Americans’ personal finances. For 75 years, the FDIC has provided insurance for savings accounts, checking accounts, and certificates of deposit. A similar insurance program is in effect for deposits in credit unions. And since these programs were instituted, no one has ever lost a penny on an insured deposit. The rescue package expands this protection by temporarily increasing the amount insured by the Federal government in banks and credit unions from $100,000 to $250,000. These steps should reassure Americans, especially small business owners, that their money is safe—and it should restore confidence in the health of our banking system.

In addition to addressing the immediate needs of our financial system, this package will also help to spur America’s long-term economic growth. This week, we learned that our Nation lost more jobs in September. Under these circumstances, it is essential for the government to reduce the burdens on workers and business owners. And that is why the rescue package includes relief from the Alternative Minimum Tax, which would otherwise increase taxes for 26 million taxpayers by an average of $2,200. And that is why it includes tax relief for businesses, which can use these savings to hire new employees and finance new investment.

By taking all these steps, we can begin to put our economy on the road to recovery. While these efforts will be effective, they will also take time to implement. My Administration will move as quickly as possible, but the benefits of this package will not all be felt immediately. The Federal government will undertake this rescue plan at a careful and deliberate pace to ensure that your tax dollars are spent wisely.

I know many of you listening this morning are anxious about the state of our economy and what it means for your personal finances. I am confident that the implementation of this relief package can begin to address those concerns. I’m confident by getting our markets moving, we will help unleash the key to our continued economic success: the entrepreneurial spirit of the American people.

Thank you for listening.

布什就金融危機(jī)后美國經(jīng)濟(jì)形勢發(fā)表演講 中文版

早上好!

本周國會批準(zhǔn)了民主、共和兩黨共同參與修改的經(jīng)濟(jì)援助法案，這一法案的實施解決了阻礙美國經(jīng)濟(jì)良性發(fā)展的不穩(wěn)定因素。盡管對于大部分參眾兩院的議員來說，這是一次相當(dāng)困難的投票，但是這次投票無論對美國宏觀的整體經(jīng)濟(jì)形勢，還是對任何一位像你們一樣的納稅人來說都是一次無比正確的選擇。我非常感謝議員們投票通過了這一法案，并對阻止金融市場的危機(jī)擴(kuò)散到美國經(jīng)濟(jì)的每一個角落所做出的不懈努力。我更欽佩兩黨的議員們在美國大選之際能夠排除黨派的干擾誠懇地坐在一起并為全體美國人的利益而同心協(xié)力。

國會剛剛批準(zhǔn)的法案為解決我們的金融體系存在的問題提供了諸多必要的解決方法。我們此次所要面對的金融問題的根源在于，由于銀行所持有的資產(chǎn)大幅度縮水，使銀行提供信貸的能力大大降低，進(jìn)而導(dǎo)致消費(fèi)者和他們所從事的行業(yè)貸款越來越難，貸款利率也越來越高。

如果不采取緊急措施，這一信貸危機(jī)就將危害到美國宏觀經(jīng)濟(jì)。隨著這一法案的批準(zhǔn)，聯(lián)邦政府可以幫助銀行和其他金融機(jī)構(gòu)重新以低利率發(fā)放貸款。這一援助法案將會使它們繼續(xù)向美國納稅人提供擴(kuò)大就業(yè)、子女教育等所必需的資金，并滿足美國家庭的日常需要。

盡管實施這一法案需要聯(lián)邦政府支出高達(dá)7,000億美元，然而對美國全體納稅人來說，他們的付出將遠(yuǎn)遠(yuǎn)低于預(yù)期。政府出資收購的大部分銀行資產(chǎn)仍潛在著巨大價值。隨著時間的推移，這些資產(chǎn)很可能將再次升值。這就意味著政府最終將會收回即使不是全部也是絕大部分的前期支出。

這一援助法案同樣會提高美國人個人理財?shù)陌踩禂?shù)。在過去的七十五年里，美國銀行業(yè)監(jiān)管者聯(lián)邦存款保險公司一直為美國公民的儲蓄賬戶、支票賬戶和定期存單提供保險。一個在信貸機(jī)構(gòu)中類似的保險項目正在實施當(dāng)中。這次的援助法案正是拓展了這一保險項目，使聯(lián)邦政府把每一個銀行儲戶的存款理賠額上限從10萬美元提高到25萬美元。這些措施能夠保障美國人，尤其是小企業(yè)的經(jīng)營者們手中現(xiàn)金的安全性。這些措施同樣能夠恢復(fù)銀行系統(tǒng)的良性循環(huán)。

除了解決金融系統(tǒng)的短期需求，這一法案還將有助于刺激美國長期穩(wěn)定的經(jīng)濟(jì)增長。就在本周，我們深刻地感受到9月份越來越多的美國人失去了他們的工作。在這種情況下，政府出面減輕勞動者和小企業(yè)經(jīng)營者的負(fù)擔(dān)就顯得尤其重要。該法案中附加的減稅法案包含一套頗受企業(yè)歡迎的企業(yè)稅務(wù)優(yōu)惠，也附加了讓2,600多萬中產(chǎn)階級納稅人免繳另計最低稅的條款，預(yù)計共耗費(fèi)1,100億美元。同時也為企業(yè)減輕了負(fù)擔(dān)，使它們能夠用這部分資金雇傭新員工和投資新項目。

隨著這一法案的實施，我們將使美國能夠回到經(jīng)濟(jì)恢復(fù)的軌道上來。盡管這些努力將會是卓有成效的，但實施起來還會加以時日。我領(lǐng)導(dǎo)的政府將會竭盡所能迅速做出反應(yīng)，但是這一法案所帶來的好處可能不會立即顯現(xiàn)。聯(lián)邦政府以小心謹(jǐn)慎的態(tài)度來實施這一法案以確保納稅人的錢不會付諸東流。

我深刻地體會到今天早上坐在收音機(jī)前的很多美國人既對我們國家的經(jīng)濟(jì)形勢充滿了焦慮，又很想知道這一法案對你們個人的財政到底意味著什么。我非常自信地認(rèn)為這一援助法案的實施將會解開人們心中所有的疑團(tuán)。我個人堅信隨著市場的逐漸好轉(zhuǎn)，我們終將找到美利堅合眾國經(jīng)濟(jì)持續(xù)穩(wěn)定發(fā)展的秘密，那就是美國人民的拼搏精神。

感謝大家的傾聽。