花旗抵押贷款到底价值几何？_时事_双语阅读-查字典英语网

花旗抵押贷款到底价值几何？

Once again, Citigroup is showing why investors have lingering doubts over the value banks place on their assets.

花旗集团(Citigroup)再次显示出，为何投资者就银行对其资产的估值有着挥之不去的疑虑。

Citi is looking to shed about $171 billion in crisis-era assets it still holds, equal to about 9% of its balance sheet. Of these, about $95 billion are North American mortgages. The problem: Citi and markets have very different views of what these mortgages are worth.

花旗希望剥离金融危机时代遗留、现仍持有的约1,710亿美元资产，规模相当于该集团资产负债表的9%，其中约950亿美元是北美地区的抵押贷款。现在的问题是，花旗与市场就这些抵押贷款价值几何看法迥异。

Speaking at the Goldman Sachs Financial Services Conference last week, Citi finance chief John Gerspach encapsulated the dilemma. Because the mortgages are loans, not securities, they are held at face value with a loan-loss reserve created against them. In this case, it is about $8.5 billion.

花旗首席财务长戈斯帕奇(John Gerspach)上周在高盛金融服务业大会(Goldman Sachs Financial Services Conference)上发言时简要概述了这个困境。因为抵押贷款属于贷款范畴，不是证券，所以以面值持有，且还预留了贷款损失准备金以防万一。花旗的贷款损失准备金约为85亿美元。

Mr. Gerspach said the bank remains 'very comfortable with the level of reserves we have allocated to these mortgages.' Yet, he added that if the bank were to try to sell a sizable portion of them, it would require 'a substantial write-down' in their value.