花旗集团(Citigroup)针对这一趋势提交了清算申请的简单介绍
 2,花旗集团是做什么的?
 一个涉及3000多亿美元的问题仍有待解答:危机过后,银行的正常盈利水平是多少?最重要的因素是各银行的根本盈利能力.但紧随其后的因素,是监管部门对该行业的整治力度.花旗集团(Citigroup)昨日发布的财报,应该可以证明前一点.另一方面,银行类股在上周五的重创后企稳,表明投资者认为美国证交会(SEC)对高盛(Goldman Sachs)的指控不会蔓延到其它银行.
 The problem with estimating a bank's core earnings power is that they are still giving off mixed signals. At Citi, securities and banking revenues were up by a half versus last quarter, but were down 19 per cent year-on-year. What is more, higher net revenue marks to the tune of over a billion dollars, plus lower credit costs and expenses, helped the bottom line. Citi's cost discipline should be applauded, but will banks go on a spending binge again if the good times keep rolling?
 Nor is it certain these are such good times. Citi had virtually no asset growth to speak of and average loans and deposits declined. Mortgage volumes are also down. Consumer banking revenues in the supposedly hot Asian and Latin American markets were flat compared with the prior quarter and while overall credit trends were improving, losses remained elevated. Citi, with its consumer bias, is particularly exposed to another leg down in the global economy.
 而且,我们还不能肯定现在的形势大好.花旗几乎没有任何值得一提的资产增长,平均存贷款额也有所下降.同样下降的还有抵押贷款数额.在原以为火爆的亚洲和拉美市场,花旗零售银行业务的收入仅与上季度持平;尽管总体信贷趋势正在改善,但亏损仍有所上升.当全球经济的另一条腿也支撑不住时,侧重于零售客户的花旗尤其容易受到影响.
 Still, if the world recovers, leveraged banks will prosper. What investors are wrong to assume, however, is that the SEC suit is only Goldman's problem. Global politicians still have banks in their sights and should they use Goldman as an excuse for punitive reforms, Morgan Stanley and Oliver Wyman reckon up to 8 per cent could be wiped off industry returns on equity. Investors won't know what is normal for a long time yet.
 不过,如果全球经济复苏,举债经营的银行就会蒸蒸日上.但投资者如果以为SEC的起诉只是高盛的麻烦,那就错了.全球政界人士仍在盯着银行业,据摩根士丹利(Morgan Stanley)和奥纬咨询(Oliver Wyman)估计,如果他们以高盛为借口来推行惩罚性改革,那可能会使银行业的股本回报率减少至多8个百分点.在很长一段时间内,投资者都不会知道银行的正常盈利水平到底是多少.
 花旗集团是做什么的?
 花旗集团(Citigroup)是当今世界资产规模最大,利润最多,全球连锁性最高,业务门类最齐全的金融服务集团.
 它是由花旗公司与旅行者集团于1998年合并而成,并于同期换牌上市的.换牌上市后,花旗集团运用增发新股集资于股市收购,或定向股权置换等方式进行大规模股权运作与扩张.
 并对收购的企业进行花旗式战略输出和全球化业务整合,使花旗集团在短短五年时间里,总资产规模扩大了71%,股东权益增加92%,资本实力不断提高.
 总收入提高72%,利润增长 2.6倍,表现出不凡的盈利能力;其股票在进行一次送股(每3股送1股)和 22次分红派息(每股分红共计$3.82)的情况下,每股净值仍提高了一倍,价格翻了一番.花旗股票是纽约股市著名的绩优蓝筹股,如其业务品牌一样著名.
 花旗集团作为全球卓越的金融服务公司,在全球一百多个国家约为二亿客户服务,包括个人,机构,企业和政府部门.
 提供广泛的金融产品服务从消费银行服务及信贷,企业和投资银行服务,以至经纪,保险和资产管理,非任何其它金融机构可以比拟.现汇集在花旗集团下的主要有花旗银行,旅行者人寿和养老保险,美邦,Citi-financial,Banamex和Primerica.
 花旗集团是做什么的
 花旗集团是美国第一家集商业银行,投资银行,保险,共同基金,证券交易等诸多金融服务业务于一身的金融集团.
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