春妮的周末时光
Transcript: Sen. Bernie Sanders on "Face the Nation," September 3, 2023_我的网站
一 | The following is a transcript of an interview with Sen. Bernie Sanders, Independent of Vermont, that aired on "Face the Nation" on September 3, 2023.
ROBERT COSTA: And we now go to Vermont Senator Bernie Sanders, who is joining us from Burlington. Good morning, Senator Sanders, we appreciate you being here.SEN. BERNIE SANDERS: Morning, Bob.
ROBERT COSTA: Senator, President Biden is touting the latest jobs numbers, but your recent speech in New Hampshire painted a bleak picture of the nation's economic reality. When you met with President Biden at the White House in recent days, what exactly did you tell him, Senator? And did you warn him, like you warned in New Hampshire, that, quote, 'Democrats must reject the corporate wing of the party?'SEN. SANDERS: Well, Bob, what I have said publicly, time and again, is that President Biden and his administration have made some real progress in addressing issues that have not been dealt- dealt with in decades. We finally took on the pharmaceutical industry, and we're beginning to make some progress in lowering the cost of prescription drugs, a lot more has to be done. After years of talk, we finally invested in rebuilding our crumbling infrastructure, roads, bridges, water systems. Manufacturing is coming back in America. So, I think we're making some progress, but everybody knows that for decades now, not just under Biden, not just under Trump, but for decades now, what we have seen in America is an economy in which the very, very wealthy are doing phenomenally well while working families are struggling. Today, Bob, we don't talk about it much, we have more income and wealth inequality than we have ever had in the history of the United States. This is way before Biden. But what we're seeing now is 60 percent of our people living paycheck to paycheck, we have a health care system which is totally broken, we pay the highest prices in the world for prescription drugs. We've got 18 million households, where people are spending 50 percent of their income trying to pay the rent or pay a mortgage. So, we have some structural problems in America. The Biden administration has made some progress, we have got a long way to go. And what the Democratic Party has got to do is have the guts to take on corporate greed, which is unprecedented, all over the economy. The people who own the large corporations have enjoyed record breaking profits, we got to create an economy that works for all, not just a few.
ROBERT COSTA: Senator, you met with the President, you discussed these issues. You just heard from Ambassador Haley, she was attacking Vice President Harris. Are Democrats doing enough to support vice president Harris and she faces these kinds of attacks?SEN. SANDERS: Well, I think the issue is, are Democrats doing enough to win back a working class, which is leaving the Democratic Party? And what in my view Democrats have got to do is say, "Really? Do you really want to vote for a Republican Party, which wants to cut Social Security, we got to expand Social Security. Wants to cut Medicare, we have got to expand Medicare to include dental, hearing and vision. We got a Republican Party out there that doesn't even recognize the reality of climate change.' So I think, Bob, what this campaign is going to- should be about is a contrast between the ideas that work for the working families of this country, and what the Republicans stand for, which is more tax breaks for billionaires and paying allegiance to the needs of corporate America, not ordinary Americans.ROBERT COSTA: But is the administration doing enough? I listened closely to your speech in New Hampshire. The administration's recently taken action on marijuana, for example. But should it do more with executive power? It's taken action on prescription drug negotiations with Medicare. But should it do more? I mean, you- you're out there saying they should be tougher--SEN. SANDERS: And the answer is yes. Bob, the answer is yes, it should. Some of it can be done through executive orders, a lot can be done through legislation. And what I think has got to happen, this is my own view, is I think, what the President has got to say, is give me 50, at least 50 Democrats in the Senate. Give me control over the House of Representatives and by 50 Democrats, I mean, real Democrats, not corporate Democrats, like Manchin and Sinema. And if you do that, within two or three months, we're going to reform health care to move it toward a system which guarantees health care to all people, not just huge profits for the insurance companies. We're going to lower the cost of prescription drugs, so we're not paying any more than the rest of the world. We're going to rebuild our economy, to work for ordinary people, and I think that's got to be the message. Contrast, a progressive agenda for working people versus a Republican agenda.
ROBERT COSTA: Senator, I know you don't like to talk politics, but you're the one who went to New Hampshire, an early primary state you've done very well in over the years. You support President Biden 100 percent, you've made that clear, but for any reason, if President Biden decides not to seek the Democratic nomination, is a run by Senator Sanders for the nomination on the table next year?SEN. SANDERS: Bob, I think we spend too much time speculating. I think President Biden is going to be the nominee of the Democratic Party and I think if he runs on a strong, progressive agenda, he's not only going to win, he's going to win by a strong vote and I'll tell you why. Because when you look at a Republican Party, it's not only that you have a president, a former president, who has been impeached twice, indicted four times. These are people who deny women in this country have the right to control their own bodies, really? Is that where we are in 2023? Not recognizing the reality of climate change, wanting more tax breaks for billionaires, that's what their agenda is. So I think that in any kind of serious campaign, President Biden and the Democrats will do quite well against that reactionary agenda.ROBERT COSTA: What do you- what do you say, Senator, though, to some of your longtime supporters, who are frustrated because they don't believe the Biden administration's done enough? They may not share your view of how things have gone. And they're thinking about Cornel West, or they're thinking about Robert F. Kennedy, Jr. What's your message to them as they drift toward those others?SEN. SANDERS: Well, my message to them is that we are living in an unprecedented moment in American history. Donald Trump is not only a pathological liar, has not only helped wage an insurrection, if you like, to prevent President Biden from taking office. Not only is denying American democracy, moving against the American democracy. So I think at this moment, Bob, we have got to bring the progressive community together to say, you know what, we're gonna fight for a progressive agenda. But we cannot have four more years of Donald Trump in the White House.ROBERT COSTA: Do you worry about the progressive vote, staying home?SEN. SANDERS: I think if the Democrats come up with a strong agenda that speaks to the needs of senior citizens in this country, and that means raising Social Security benefits, expanding Medicare, if we speak to the needs of young people that is having a lot to do with student debt, if we demand that the wealthiest people in this country stop paying their fair share of taxes, if we come up with a progressive agenda, I think we're going to win and win big. And when we win big, we have to make it clear that we stand with the working class of this country against the kind of corporate greed that we now see.ROBERT COSTA: Senator quickly, you are also the chairman of the Senate Health and Labor Committee. Progressives voters are looking to you as well for action. You're investigating Amazon warehouses right now. Are you committed to issuing a subpoena for Jeff Bezos, the founder of Amazon to come testify or not?
SEN. SANDERS: Well, we're gonna pick one step at a time. Right now, what we're working on Bob, is major reforms in primary health care. We don't have enough doctors, nurses, dentists, mental health providers in this country. We're working hard on legislation to do that. We brought Mr. Schultz from Starbucks before the committee, we are looking at Amazon and we'll take it one step at a time, but certainly have no fears. You know, at the appropriate time they may well do that.ROBERT COSTA: Thank you very much. Senator Sanders. We appreciate you taking the time on a Sunday morning, Face the Nation. We'll be back in one minute. Stay with us.
。 来源：WEMONEY研究室 8月24日晚间，贵阳银行（601997.SH）披露2026年半年度报告。
二 | 财报显示，该行上半年实现营业收入72.07亿元，同比增长10.87%；归属于母公司股东的净利润23.60亿元，同比下降4.61%。在营收双位数增长的背景下，归母净利润逆势下滑，一增一降之间，这家总资产突破7700亿元的西部城商行，正在经历一场典型的“息差修复”与“风险出清”的拉锯战。 贵阳银行在半年报中将利润下滑的原因归结为一句话：对部分风险资产加大减值计提力度，持续增强风险抵御能力。但拆解利润表可以发现，“增收不增利”的背后，是减值计提、投资收益、税率上行三股力量同时发力。 信用减值损失多提5.62亿元 吞掉营收增量 上半年贵阳银行计提信用减值损失25.83亿元，较上年同期增加5.62亿元，增幅约28%。而这多提的5.62亿元，几乎吃掉了营收端多增的7.06亿元。 值得注意的是，减值不是集中在某一个科目，而是多点开花。数据显示，上半年贷款减值计提同比增加2.1亿元，金融投资减值多提1.2亿元，长期应收款减值多提1.0亿元，后者主要来自子公司贵银金租加大计提力度。这意味着风险暴露分布在信贷、投资、租赁三条业务线上，该行选择了全面覆盖而非局部修补。 对应的资产质量指标也在同步变化。截至6月末，该行资产总额7，730.76 亿元，较年初增加296.14亿元，增长3.98%。同期，该行不良贷款率1.78%，较年初上升0.19个百分点；拨备覆盖率229.57%，较年初下降6.05个百分点。该行解释，不良率上行主要是按照风险分类审慎原则，将风险特征发生变化的贷款纳入不良，同时上半年存量不良贷款清收处置进度较缓。
三 | 投资收益同比骤降50% 非息收入未能形成有效对冲 如果说减值是利润下滑的主因，那么投资收益的塌方则让情况雪上加霜。
四 | 上半年贵阳银行投资收益8.69亿元，同比骤降50.02%，主因是其他债权投资处置损益大幅减少；虽然公允价值变动收益受债市利率下行影响，从去年同期的-5.11亿元扭转为+2.36亿元，但两相抵扣后，非息收入仅微增1.55%。 这并非贵阳银行一家的困境。
五 | 同批披露中报的南京银行投资收益同比下降28.8%、非息净收入下滑24.73%，“债市低位波动拖累投资收益”已成为行业共性压力。 第三个拖累来自所得税。上半年所得税费用1.57亿元，同比暴增206.71%，原因是免税收入减少，国债等政府债券利息收入占比下降，实际税率上行进一步压缩了净利润空间。 三股力量叠加：营收多增7.06亿元，被信用减值损失多提的5.62亿元吃掉大头，再叠加投资收益减少8.70亿元（被公允价值变动收益弥补约7.47亿元）、所得税多缴1.06亿元，最终归母净利润较去年同期少了1.14亿元。 息差修复能否撑住利润？ 三季度是关键观察窗口 把贵阳银行近两年的利润表放在一起看，拨备计提节奏已经成为利润调节的最大变量：2025年年报，营收下降12.94%，归母净利润却增长1.66%，靠的是减少计提减值损失22.31亿元。
六 | 2026年上半年，营收转正，净利润却转负，靠的是多计提5.62亿元。 这种“以丰补歉”的会计选择，让下半年的观察窗口变得清晰：减值计提节奏能否回落，取决于不良清收处置能否提速。 从有利因素看，该行净息差1.67%，同比上升0.14个百分点。
七 | 这1.67%的息差并非来自资产端“多赚钱”，而是负债端“省出来”的：存款平均付息率降至1.84%，计息负债平均利率1.79%，叠加部分存量高成本负债集中进入重定价周期，利息支出明显回落。息差优势为营收端提供了持续正贡献的底座。
八 | 从不利因素看，上半年存量不良贷款清收处置进度偏缓，是不良率上行的另一主因。贵阳银行在半年报中明确表示，后续将加大不良贷款清收处置力度，密切关注重点领域和重点行业风险。
九 | 资本端也有一定缓冲。截至6月末，该行资本充足率15.07%，一级资本充足率13.86%，核心一级资本充足率12.87%，资本水平保持充足；且2026年中期不进行利润分配，利润留存可补充内源性资本。 考虑到该行主动加大计提的意图明确、拨备覆盖率229.57%仍有厚实缓冲、净息差领先优势带来营收正增长，下半年利润同比降幅大概率收窄，全年归母净利润有望微增或持平。
十 | 但若批发零售业、个人经营贷、按揭贷款等重点领域不良生成继续加速，且清收处置进度仍跟不上，“增收不增利”的局面可能贯穿全年。 对于投资者而言，三季报披露的信用减值损失同比变化，将是验证这次“加大计提”究竟是一次性出清、还是持续性压力的关键信号。
十一 | 责任编辑：曹睿潼。
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