布什就金融危机后美国经济形势发表演讲

布什就金融危机后美国经济形势发表演讲 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.

布什就金融危机后美国经济形势发表演讲 中文版

早上好!

本周国会批准了民主、共和两党共同参与修改的经济援助法案，这一法案的实施解决了阻碍美国经济良性发展的不稳定因素。尽管对于大部分参众两院的议员来说，这是一次相当困难的投票，但是这次投票无论对美国宏观的整体经济形势，还是对任何一位像你们一样的纳税人来说都是一次无比正确的选择。我非常感谢议员们投票通过了这一法案，并对阻止金融市场的危机扩散到美国经济的每一个角落所做出的不懈努力。我更钦佩两党的议员们在美国大选之际能够排除党派的干扰诚恳地坐在一起并为全体美国人的利益而同心协力。

国会刚刚批准的法案为解决我们的金融体系存在的问题提供了诸多必要的解决方法。我们此次所要面对的金融问题的根源在于，由于银行所持有的资产大幅度缩水，使银行提供信贷的能力大大降低，进而导致消费者和他们所从事的行业贷款越来越难，贷款利率也越来越高。

如果不采取紧急措施，这一信贷危机就将危害到美国宏观经济。随着这一法案的批准，联邦政府可以帮助银行和其他金融机构重新以低利率发放贷款。这一援助法案将会使它们继续向美国纳税人提供扩大就业、子女教育等所必需的资金，并满足美国家庭的日常需要。

尽管实施这一法案需要联邦政府支出高达7,000亿美元，然而对美国全体纳税人来说，他们的付出将远远低于预期。政府出资收购的大部分银行资产仍潜在着巨大价值。随着时间的推移，这些资产很可能将再次升值。这就意味着政府最终将会收回即使不是全部也是绝大部分的前期支出。

这一援助法案同样会提高美国人个人理财的安全系数。在过去的七十五年里，美国银行业监管者联邦存款保险公司一直为美国公民的储蓄账户、支票账户和定期存单提供保险。一个在信贷机构中类似的保险项目正在实施当中。这次的援助法案正是拓展了这一保险项目，使联邦政府把每一个银行储户的存款理赔额上限从10万美元提高到25万美元。这些措施能够保障美国人，尤其是小企业的经营者们手中现金的安全性。这些措施同样能够恢复银行系统的良性循环。

除了解决金融系统的短期需求，这一法案还将有助于刺激美国长期稳定的经济增长。就在本周，我们深刻地感受到9月份越来越多的美国人失去了他们的工作。在这种情况下，政府出面减轻劳动者和小企业经营者的负担就显得尤其重要。该法案中附加的减税法案包含一套颇受企业欢迎的企业税务优惠，也附加了让2,600多万中产阶级纳税人免缴另计最低税的条款，预计共耗费1,100亿美元。同时也为企业减轻了负担，使它们能够用这部分资金雇佣新员工和投资新项目。

随着这一法案的实施，我们将使美国能够回到经济恢复的轨道上来。尽管这些努力将会是卓有成效的，但实施起来还会加以时日。我领导的政府将会竭尽所能迅速做出反应，但是这一法案所带来的好处可能不会立即显现。联邦政府以小心谨慎的态度来实施这一法案以确保纳税人的钱不会付诸东流。

我深刻地体会到今天早上坐在收音机前的很多美国人既对我们国家的经济形势充满了焦虑，又很想知道这一法案对你们个人的财政到底意味着什么。我非常自信地认为这一援助法案的实施将会解开人们心中所有的疑团。我个人坚信随着市场的逐渐好转，我们终将找到美利坚合众国经济持续稳定发展的秘密，那就是美国人民的拼搏精神。

感谢大家的倾听。