尽管国家金融服务公♥司♥主要业务是
Although Countrywide mainly specializes
以高得惊人的利息率 贷款给那些低收入者
in outrageously high interest loans for low income people,
Bob的工作却是处理
Bob’s job was to take care of
一些国家最高层政♥治♥领袖的业务
some of the country’s top political leaders.
有一天 我的一位大老板叫我进他的办公室
Bob: One day one of the bigger bosses called me in the office.
他说 “你给这人打个电♥话♥”
He said, “I want you to call this guy.”
我说好
I said okay.
然后他说 “他是Angelo的一个朋友”
And he said, “He’s a friend of Angelo’s.”
Angelo Mozilo就是国家金融服务公♥司♥的CEO
Angelo Mozilo’s the CEO of Countrywide.
“告诉他这个利息率 把这些费用免掉
“Give him this rate. Waive these fees.
记住 咬好价 一分钱都他妈不许涨”
And get it locked in. And don’t fuck it up.”
我只好说 “噢 啊 好的”
And I was like, “Oh, okay.”
所以说这是个特殊的部门
So it was a special department
用来处理类似Angelo的好友这种业务
that handled friends of Angelo.
给予一些折扣
Discounts were being given.
免除一些费用
Fees were being waived.
有时候 连纸上签名都不用
And at times paperwork was being waived.
但我们会把这些记录在 名为”FOA”(Angelo的朋友)的档案里
We literally would write on the file “FOA.”
他们都是真正位高权重的人
These were really important people.
我这里有Richard Holbrooke… Ambassador Holbrooke
I had Richard Holbrooke– Ambassador Holbrooke,
还有Donna Shalala
Donna Shalala,
国会议员 抵押信贷市场监管者
people on Capitol Hill, people that regulate the mortgage markets,
华尔街的大佬
people that regulate Wall Street,
和范妮梅(美国金融机构)的总裁 Jim Johnson
and Jim Johnson, head of Fannie Mae,
住房♥和城市规划部部长Alphonso Jackson
Alphonso Jackson the secretary of HUD…
财务委员会的Conrad参议员
Senator Conrad from the Finance Committee.
我家电视在客厅 那时候我人在厨房♥
I had the TV on in my house. I was in the kitchen
听到一个自大的家伙 用张狂的口气
and I heard a voice pontificating
谈着掠夺性贷款 以及我们多么应该终止它
about predatory lending and how we have to put an end to it.
我国的金融业监管者
Our nation’s financial regulators
应该像巡警一样
are supposed to be the cops on the beat
打击无道德金融行为
protecting working Americans
保护美国劳动者的利益
from unscrupulous financial actions.
Senator Dodd… Christopher Dodd… 都在发表演说
Bob: Senator Dodd– Christopher Dodd– was speaking.
我瞪着电视 心里很不舒服
And I just stared at the television and I was upset.
有些贷款是发放给那些精明的借款人
Some of these loans have legitimate uses,
用来创造更高的价值
when made to sophisticated borrowers
发挥合理的用途
with higher incomes.
我为他做了不少贷款业务
I had done a number of loans for him
他享有利息率的折扣 还有其他好处
in which he got discounts and all the things
这都是因为他是Angelo的朋友
that go with being a friend of Angelo’s
还有他的职位能为我们带来的好处
and all the good stuff.
参议院银行与住房♥委员会
Moore: The Senate Banking and Housing Committee
本该是抵押贷款业的监管者
is supposed to be the watchdog of the mortgage industry.
Senator Dodd是委员会主席
Senator Dodd is the chairman of this committee
在职已有28年
and has served on it for over 28 years.
作为Angelo的朋友之一
As a friend of Angelo
国家金融服务公♥司♥发放给了他
he received over $1 million worth
价值一百多万美元的低息贷款
of discounted loans from Countrywide.
就在这里 就在隔壁 有些人
Someone next door here is selling a toxic
在发放垃圾的高♥息♥贷♥款♥
piece of crap loan to somebody.
我却要给那些VIP发放 最低息长♥期♥的大额贷款
I was required to give the most suitable loan to that VIP.
你从没觉得
Moore: Did you ever feel that
你正在做的工作很像行贿吗?
what you were doing might be bribery?
我不觉得我在行贿 从不
Bob: I didn’t feel like I was bribing anybody, no.
我只是在工作 我是VIP部的人
I was just doing my job. I was the VIP guy.
公♥司♥没人不认识我
Everyone in the company knew who I was.
没人不认识
You know, everyone.
这是一个很让人飘飘然的工作
So it was kind of a flattering situation.
但是我一点也不觉得自己做错了 从不觉得
But no, I don’t feel like I did anything wrong at all.
何况这事情我不做 自然也会有别人做
And if I didn’t do it, somebody else would have been doing it.
所以人们才需要像Bill Black这样的人
Moore: That’s why we need people like Bill Black,
作为银行的一名监管者
one of the bank regulators who uncovered
揭露了80年代第一储蓄银行的丑闻
the Savings & Loan scandal in the 1980s.
发生了一些不合法的事情
Something improper happened
我打赌你们这些监管者都知道
and I bet you the regulators know.
那次丑闻的主要人物之一 Charles Keating
Moore: One of the leading figures of that scandal, Charles Keating,
曾经有过想杀了Bill Black的想法
had an idea on what to do with Bill Black
并且把指示写在了备忘录上 发了出去
and sent a memo out with these instructions.
我问过他 现在谁主导这次事件
I asked him who was looking out for us today.
在那次事件中 FBI到底扮演了什么角色?
Where was the FBI in all of this?
FBI在2004年9月才开始
The FBI began publicly warning
警告公众
in September 2004
银行带头的贷款欺诈
that there was an epidemic of mortgage fraud
正在蔓延
perpetrated by the banks.
他们用了蔓延这个词
Epidemic was their word.
但是911事件后
But when 9/11 hit,
布♥什♥政♥府♥抽调了
the Bush administration transferred
至少500名FBI的专家
at least 500 white-collar FBI specialists
放弃手边处理的白领犯罪
out of dealing with white-collar crime,
即便那时我们正处于
even though we were entering
布♥什♥政♥府♥的整个任期内
during the entire Bush administration
应该说是美国历史上 实际上 是世界历史上
the greatest wave of white-collar crime
最严重的白领犯罪浪潮
in the nation’s history, in fact, in the world’s history.
FBI说至少有80%的
The FBI says that 80%
贷款欺诈损失
of the mortgage fraud losses
是贷方导致的
are induced by lender personnel.
这代表什么?
Meaning what?
代表并不是
Meaning not the borrower
那些流离失所的借款者想诈取储蓄和贷款
coming off the street trying to defraud the savings and loan.
而是控制那些金融组织的人 他们导致了这些欺诈
These are frauds led by whoever controls the organization.
对 – 换句话说 就是CEO
Right. – It’s typically the CEO in other words.
那么这些CEO认为他们能逃脱处罚吗?
So did these CEOs think they were gonna get away with it?
他们的确逃脱了处罚
They have gotten away with it.
的确如此 显而易见他们做到了
Moore: Yes, apparently they did.
随着即将到来的总统大选…
And with the presidential election just around the corner…
定义富有 – 五百万
Define rich. – 5 million.
那些精英分子担心 他们的犯罪盛宴会因此穷途匕现
…the elites were worried that their crime spree might come to an end.
他们占有了美国公众的房♥屋
After bilking trillions from the American public
获利达数万亿美元
by repossessing their homes,
使得美国人已经付不起医药费了
bankrupting them when they got sick
这时候 他们开始说服公众 把收入
and convincing them to invest their earnings
和退休金投入到 像股票市场这样的赌场里去
and pensions in the casino known as the stock market,
富人们决定最后干一票大的
the rich decided to make one last heist
尽可能得多搜刮财产
and as their 30-year long party came to an end,
为他们长达30年的盛宴做个结尾
take as much of the silverware with them as they could.
不过首先 得转移公众的注意
But first they needed a distraction.
他们从911学到
And as they learned after 9/11,
在勇士的故乡 陈旧而美好的恐慌
nothing works better in the home of the brave
最有效果
than some good old fashioned fear.
而且 这场惊心动魄的谢幕演出
And who better to wheel out for one last scary performance
又有谁比四眼天鸡(布♥什♥)自己更适合出演呢?
than Chicken Little himself?
奥斯卡选民 由您决定
Oscar voters, for your consideration.
晚上好
Good evening.
对于美国经济而言 这是一个非凡的时期
This is an extraordinary period for America’s economy.
我们顶尖的经济学专家
The government’s top economic experts
认为 如果国会不及时采取行动
warn that without immediate action by Congress,
美国将进入经济恐慌期
America could slip into a financial panic
大萧条将接踵而至
and a distressing scenario would unfold.
更多的银行将会倒闭 您身边的银行也会在劫难逃
More banks could fail, including some in your community.
股票市场将进一步下跌
(thunder rumbling) – The stock market would drop even more,
你退休账户的钱会因此减少
which would reduce the value of your retirement account.
房♥屋价格将直线下滑
The value of your home could plummet.
大量抵押品赎回权将被取消
Foreclosures would rise dramatically.
如果你有自己的公♥司♥或者农场
And if you own a business or a farm,
你会发现想拿到贷款愈加困难 利息也水涨船高
you would find it harder and more expensive to get credit.
更多的公♥司♥会倒闭
More businesses would close their doors
数以百万的美国人将失业
and millions of Americans could lose their jobs.
即使你的信用记录良好
(screams) – Even if you have good credit history,
想贷款买♥♥车或送孩子上大学
it would be more difficult for you to get the loans you need
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