How to reduce the wealth gap between Black and white Americans | Kedra Newsom Reeves

53,590 views ・ 2020-11-12

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00:00
Transcriber: Joseph Geni Reviewer: Joanna Pietrulewicz
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翻译人员: dumpling king 校对人员: psjmz mz
00:12
As last recorded by the US Federal Government,
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根据美国联邦政府的最新记录,
00:15
the median wealth for a white family in the United States was 171,000 dollars
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美国白人家庭的平均财富 为17.1万美元,
00:21
and the median wealth for a Black family was just 17,000 dollars,
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而美国黑人家庭的平均财富 为1.7万美元,
00:25
a 10x different over 150 years after the end of slavery.
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在奴隶制终结一百五十年后 仍有近十倍的差异。
00:30
I think first we have to ask ourselves, what is wealth really?
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我认为首先我们要问自己, 财富到底是什么?
00:33
Well, wealth is all of your assets, all of the things that you own,
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财富是你的总资产, 你拥有的所有东西,
00:37
minus all of your liabilities.
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减去你的债务。
00:38
Assets are things like your car, your house, your savings account,
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资产是你的车、 你的房子、你的储蓄账户、
00:41
your checking account, your investments, if you own other properties,
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你的活期账户、你的投资, 如果你还有其他财产的话,
00:46
your business.
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你的生意也算在内。
00:48
Well, that gap, that 10x gap,
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这个差距,十倍的差距
00:51
is partially because for many years,
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部分是因为多年来,
00:55
decades in fact,
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确切的说是十年来,
00:56
Black Americans were left off of that ladder
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美国黑人被抛在了 那成功的阶梯之外
00:58
and didn't really have access to it.
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并且实际上没有机会接触它。
01:00
Well, why are we talking about this now?
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我们现在为什么要谈这个?
01:03
Well, in 2020, in the midst of a global pandemic and a looming recession,
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在2020年,在全球大流行疫情 和隐现的经济衰退中,
01:08
inequities are really laid bare
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在美国几乎所有系统中,
01:09
across nearly every system in the United States:
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不平等是赤裸裸的:
01:12
health care, education, criminal justice and finance,
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卫生保健、教育、刑事司法和金融,
01:17
and people were moved to take action online, in streets,
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这迫使人们在网上、在街上、
01:21
in meetings at work, in corporate boardrooms.
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在工作会议上、在公司董事会上 采取行动。
01:23
And I, as a consultant, started having conversations with clients
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而我,作为一名顾问,开始与那些
01:27
that I thought I would never have.
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预料之外的客户进行谈话。
01:29
I guess the question that I'd been asking myself is,
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我想这个我一直在 问自己的问题是。
01:32
how do we make sure that in this moment, this results in action and progress
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我们如何确保在这一刻, 这能带来行动和进步
01:36
that starts to close that wealth gap for Black versus white Americans?
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去缩小美国黑人和 白人的贫富差距。
01:40
So who am I?
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所以我是谁?
01:41
My name is Kedra Newsom Reeves.
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我的名字是Kedra Newsom Reeves。
01:43
I am a consultant for banking institutions,
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我是银行机构、
01:45
hedge funds, asset managers.
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对冲基金、资产管理顾问。
01:47
But before any of that,
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但在此之前,
01:49
I am a Black American who is the descendant of slaves.
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我是一个美国黑人,是奴隶的后裔。
01:52
And when we talk about the wealth gap,
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当我们讨论贫富差距时,
01:54
it's really important to understand the history,
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了解它的历史是很重要的。
01:56
so I thought I'd tell a little story about a family, my family,
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所以我想讲一个关于 家庭的小故事,我的家庭
01:59
and how policy intersects with wealth.
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以及政策如何与财富交织。
02:02
So we'll start with my great-great-grandfather.
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我们从我的曾曾祖父开始。
02:05
He was a man named Silas Newsom,
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他名叫Silas Newsom。
02:06
and Silas was born a slave outside Nashville, Tennessee,
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Silas出生在田纳西州纳什维尔 郊外的一个奴隶家庭,
02:10
on Newsom Station,
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在Newsom站
02:11
where he and his family worked on a quarry.
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他和他的家人在一个采石场工作。
02:14
He didn't own anything.
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他一无所有。
02:15
He didn't own his home. He didn't own property.
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他没有自己的房子。 他没有自己的财产。
02:18
He didn't really even own his own body,
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他甚至都没有真正 拥有自己的身体、
02:20
his own labor, his children.
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自己的工作、自己的孩子。
02:22
Any of those things, all of those things,
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所有这些东西
02:24
were here to create wealth for someone else.
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都是为了给别人创造财富。
02:28
So we believe that he was a servant
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所以我们相信他在内战期间 为一位南方将军服务,
02:30
during the Civil War for a Confederate general
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02:33
who was actually fighting to keep him enslaved,
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这位将军让他成为奴隶而战,
02:36
so he really had no wealth, he had no control over his life.
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所以他真的没有什么财富, 他也无法掌控自己的生活。
02:39
Well, at the end of slavery, there was a policy opportunity.
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在奴隶制结束的时候, 有一个政策机遇。
02:43
There was a question:
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一个问题出现了:
02:45
what do we do for the hundreds of years of slavery
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我们要为这几百年的 奴役做些什么呢?
02:48
now that we are ending slavery and the country is coming together?
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现在我们要结束奴隶制, 这个国家要团结起来了。
02:51
And there was a choice.
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这里有个抉择。
02:53
We could make a settlement with the slaves,
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我们可以和奴隶们达成协议
02:55
or we could make a settlement with the slave owners.
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或者我们可以和奴隶主达成协议。
02:57
Well, the slaves had no power to advocate for themselves in that moment,
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在那个时候,奴隶们 没有权利为自己辩护,
03:01
and the country had to be united,
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而这个国家必须团结起来,
03:03
so the federal government decided to give that settlement to slave owners,
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所以联邦政府决定把 这个协议给奴隶主,
03:08
essentially giving them money for the property that they had lost
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也就是给他们钱 补偿他们在战争结束时
03:13
at the end of the war.
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失去的财产。
03:14
And not their physical property, not their homes, but people,
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这些财产不是他们的物质财产, 不是他们的房子,而是人,
03:18
the slaves that had provided free labor for years and decades.
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那些多年来提供 免费劳动力的奴隶。
03:22
So Silas, at the end of the Civil War,
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所以Silas,在内战结束后,
03:25
had no wealth.
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没有任何财富,
03:26
He was free but had no wealth.
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他自由了,但身无分文。
03:29
He became a sharecropper.
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他成了一名佃农。
03:30
My great-grandfather Silas was born
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而我的曾祖父Silas出生在
03:32
a number of years after the end of slavery,
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奴隶制结束多年后。
03:34
and he was drafted to serve in World War I
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他在第一次世界大战期间 被征召入伍,
03:37
along with 350,000 other Black American soldiers
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与其他三十五万 美国黑人士兵一起
03:40
in segregated units.
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在种族隔离的部队服役。
03:42
He served in the war.
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03:43
When he came back to the United States,
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当战争结束,他回到美国时,
03:45
at the end of the war, there was very anti-Black sentiment.
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社会上有非常反黑人的情绪,
03:48
The economy was compressing, there were a lot of stressors,
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当时经济处于紧缩状态, 有很多压力因素。
03:51
and Black people could not get land, they could not get loans for homes,
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黑人得不到土地,也得不到房屋贷款,
03:57
they really could not acquire any credit to build wealth over time,
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他们真的无法获得 任何信贷来积累财富。
04:01
so he also became a farmer.
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所以他也成了一名农民。
04:04
And he had a son, also named Silas --
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他有个儿子,也叫Silas
04:06
there are a lot of Silases in my family --
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——我家有很多Silases——
04:09
my grandfather.
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他是我祖父。
04:10
My grandfather Silas was also a soldier and fought in World War II.
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我祖父Silas也是一名士兵, 参加过第二次世界大战。
04:14
After World War II,
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第二次世界大战之后,
04:16
the US Federal Government passed the GI Bill,
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美国联邦政府通过了 《退伍军人权利法案》
04:18
which provided support for veterans.
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为退伍军人提供支持。
04:20
And the bill provided for building of hospitals,
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以及有关医院建设的法案
04:23
student loans
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助学贷款,
04:24
and, most importantly for wealth-building, low-interest home mortgages for veterans.
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并且,最重要的是为退伍军人 提供积累财富的低息住房抵押贷款。
04:31
In the years following the war,
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在战争结束的几年里,
04:33
the GI Bill accounted for four billion dollars of funding
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《退伍军人权利法案》 为九百万退伍军人
04:37
to nine million veterans.
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提供了四十亿美元的资金。
04:39
But Black veterans largely did not benefit.
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但大部分的黑人老兵 并未从中受益。
04:43
So Silas, my grandfather, came back to Nashville, Tennessee,
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于是,我的祖父Silas回到了 田纳西州的纳什维尔。
04:46
and he married my grandmother, whose name is Cinderella.
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他娶了我的祖母, 她的名字叫Cinderella。
04:50
Yes, my grandmother's name was Cinderella.
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没错,我祖母的名字 叫Cinderella(灰姑娘)。
04:52
And they had eight children.
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他们有八个孩子
04:54
But they never bought a home.
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但他们从没买过一间房子
04:56
And the highlight of their housing journey
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他们住房之旅的高光
04:58
was moving into a new public housing project
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就是和他们的孩子一起
05:01
with their children
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进入一个新的公共住房项目,
05:02
and paying rent for that housing project,
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并为这个公共住房项目付租金。
05:04
which in terms of the quality of housing was fantastic for them and a step up,
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就住房质量而言,这对他们来说 是非常棒的一个进步,
05:09
but did not allow them to build wealth.
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但这并不能让他们积累财富。
05:12
My father, another soldier,
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我的父亲,又一个士兵,
05:14
a 20-year veteran of the United States Marines,
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他在美国海军陆战队服役20年。
05:16
bought his first home in his early 50s,
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在50岁出头时买了第一套房子,
05:18
but it took four generations for our family to move into homeownership
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但是我们的家族花了四代人的时间 才拥有了自己的房子
05:24
and begin to build ownership and equity in a home.
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并开始构建起房子的 所有权和产权。
05:29
That's one family's story, and I skipped a lot of things
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这是一个家族的故事, 我跳过了很多东西,
05:32
that happened between the end of slavery and today:
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这发生在奴隶制结束到今天之间:
05:35
redlining, housing discrimination before the Fair Housing Act in the 1970s,
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在20世纪70年代《公平住房法案》出台之前, 住房歧视是红线,
05:40
the really important role that Black-owned banks played
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黑人拥有的银行在 建立黑人社区当中
05:43
in building Black communities,
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发挥了了重要的作用。
05:46
the Savings and Loan Crisis of the 1980s,
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20世纪80年代的储蓄和贷款危机
05:48
which crushed a lot of Black banks,
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压垮了很多黑人银行,
05:50
and the subprime crisis in 2008,
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2008年的次贷危机
05:53
which stripped a lot of Black and brown homeowners of their homes.
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让许多黑色和棕色的房主 失去了他们的房子。
05:57
There's a lot of history there,
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这里有很长的历史,
05:58
but that story tells you a bit about how we get to this 10x gap
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但这个故事告诉你 我们是如何造成今天
06:02
where we are today.
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十倍的贫富差距的。
06:05
Now, certainly, as we think about the size of that gap,
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现在,当然,当我们考虑 这个差距的大小时,
06:08
it is critical for the Federal Government to take a number of actions.
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联邦政府采取的一系列 措施至关重要。
06:14
That said, financial institutions play a really important role
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他们说,金融机构在提供信贷、 提供获得资本的途径
06:17
in providing access to credit, access to capital,
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以建立社区
06:21
to build communities
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并让社区繁荣之中
06:22
and allow Black communities to thrive.
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扮演着非常重要的角色。
06:26
We have to be clear;
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我们得说清楚:
06:28
managing 17,000 dollars better does not get us there.
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更好地管理1.7万美元 并不能让我们实现这一目标。
06:32
Better education does not get us there.
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更好的教育也不能让 我们实现这一目标。
06:35
Access to credit and capital are critical.
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获得信贷和资本至关重要。
06:39
So I want to talk about four solutions today
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所以在今天我想谈谈金融机构
06:41
that financial institutions can contribute to start to close the wealth gap.
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可以帮助缩小贫富差距 的四种解决方法。
06:46
Number one is getting more people on the ladder,
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第一是让更多的人有 通往成功的阶梯。
06:49
getting more people banked.
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让更多的人获得银行服务。
06:52
We know today that about half of Black Americans
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我们知道今天有一半的美国黑人
06:55
are un- or underbanked.
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是unbanked或者underbanked的。
06:57
Unbanked means that you don't have a banking account.
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unbanked意味着你没有银行账户。
06:59
Underbanked means that you have a bank account
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Underbankded意味着你有银行账户,
07:02
but you use alternative services for check-cashing or payday lending
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但你使用其他服务 兑现支票或发薪日贷款
07:07
or paying bills.
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或者支付账单。
07:09
And that's not just expensive from a transaction perspective
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不仅从交易的角度看起来, 你支付的费用是昂贵的;
07:12
in terms of the fees that you pay,
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07:14
it's also expensive in terms of the time that you commit to paying a bill.
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从你承诺支付账单所耗的的时间来看, 它也是昂贵的。
07:17
Think about how you pay your utility bill today.
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想想今天你是怎么付水电费的,
07:20
It probably comes out of your checking account.
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它可能来自你的支票账户。
07:23
You don't even think about it.
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你甚至都无需考虑。
07:24
You set it up in advance, and it's automatic.
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你提前设置好它,过程是自动的。
07:26
Well, if you're unbanked,
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但如果你没有银行账户,
07:28
you are probably going to get a money order somewhere,
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你可能会在什么地方 收到一张汇款单。
07:30
physically, a piece of paper.
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实际上,是一张纸
07:32
You then travel to City Hall or your DMV
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然后你去市政厅或者 你的车管所
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to pay that bill.
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支付这个账单。
07:36
About 40 percent of people who are unbanked
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大约40%的人没有银行账户。
07:39
say they are unbanked because they think they don't have the minimum amount
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说他们没有银行账户, 因为他们认为他们没有足够的钱
07:43
to really maintain a checking account.
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来维持一个支票账户。
07:46
Well, that's just not true.
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但这不是真实的。
07:47
In the last several years,
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最近几年,
07:49
credit unions, community banks and major banking institutions
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信用合作社、社区银行和主要银行机构
07:52
have created low-cost, no-minimum checking and savings account products
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专为这一人群而设计了 低成本、不设最低限额的
07:57
specifically made for this population.
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支票和储蓄账户产品。
08:00
So we have an issue with awareness.
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所以我们在认知上有些问题。
08:03
Banks, community partners and others
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银行、社区合作伙伴和其他
08:05
have to work together to increase the awareness of these products
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必须共同努力在 需要他们的社区中
08:09
in communities that need them,
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提高这些产品的知名度。
08:10
so that we can start to reduce the number of people
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这样我们就可以减少那些
08:13
who are un- and underbanked
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没有或者不能 使用银行账户的人,
08:14
and get them on the ladder that we talked about earlier.
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让他们可以登上我们 提到的那个阶梯。
08:17
The challenge is about 28 percent of Black and Latinx families
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有个挑战是大约有28%的 黑人和拉丁裔家庭
08:20
are credit-invisible,
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是缺少信用的。
08:22
which means that you have a thin credit file or no credit file.
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这意味着你有一个低信用档案 或没有信用档案。
08:26
And the way that credit works and creditworthiness assessments work
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而信用和信用评估 的运作方式是
08:29
is to say, if you can prove
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你能否证明
08:31
that you have paid credit back consistently previously,
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你以前一直偿还贷款,
08:34
then I can lend you more credit.
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这样我可以借你更多的贷款。
08:36
It's kind of a chicken or an egg situation.
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这有点像先有鸡 还是先有蛋的问题。
08:39
The interesting thing is that banks and financial technology companies
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有趣的是,银行和金融科技公司
08:42
have really innovated in recent years to use alternative data --
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近年来确实有使用替代数据
08:45
cable bills,
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——有线电视费、
08:47
utility bills,
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物业账单、
08:49
rent payments, etc. --
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租金等——
08:51
to show that you're able to consistently make payments.
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证明你能够负的起款。
08:56
The additional challenge on this one, unlike the last one,
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还有另一个挑战,与上一个 更多的是关于意识不同,
08:59
which was more about awareness,
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09:01
is that you need to have regulatory support to do these things.
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你需要有监管支持 来做这些事情。
09:05
You need to prove to regulators
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你需要向监管机构证明
09:07
that you are able to fairly use alternative data
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你能够公平的使用替代数据
09:10
to lend credit to marginalized groups.
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向边缘化群体借贷。
09:13
What we need to see is, from the Federal Government
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我们需要的是联邦政府
09:15
and the banking industry,
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和银行机构
09:17
to come together to create innovation sandboxes
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一起创造一种创新沙盒、
09:19
to start to use alternative data to expand to marginalized groups.
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使用替代数据使业务 扩大到边缘群体。
09:24
Well, what about communities?
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那么,社区呢?
09:26
Without community wealth,
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没有社区的财富,
09:28
individual wealth, in a way, is on an island.
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个人的财富,在某种程度上, 就是在一个孤岛上。
09:31
And if you go into most major cities in the United States
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如果你去美国的大多数大城市,
09:33
to most communities of color,
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去大多数有色人种的社区,
09:36
what you'll find is underinvested communities.
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你看到的会是缺少资金的社区。
09:39
For every economic crisis, these communities have suffered severely.
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每一次经济危机,这些社区 都会遭受重创。
09:42
For every economic boom, they have not benefited.
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每一次经济爆炸, 他们都没有受益。
09:45
And so what we're seeing in a number of cities across the country,
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所以我们在全国许多 城市看到的是:
09:48
and I'll use Chicago as an example,
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以芝加哥为例,
09:51
is the partnerships occurring
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在银行机构
09:53
between banking institutions,
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和慈善家之间,
09:56
philanthropists,
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合作正在发生。
09:58
the city and community leaders
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城市和社区领导
10:00
to invest hundreds of millions of dollars
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投资数亿美元
10:02
to build community resources
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来建立社区资源
10:04
and communities that have historically been disinvested.
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和历史上被削减投资的社区。
10:08
Lastly, we've got to talk about business,
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最后,我们要谈谈生意上的事,
10:10
and not just small businesses.
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不仅仅是小生意。
10:13
Now, when you have individual stability and a banking institution,
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当您拥有个人稳定和银行机构时,
10:17
and you have access to credit, and when you have community wealth,
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您可以获得信贷, 当您拥有社区财富时,
10:20
those are all fantastic things, but we need also job creation.
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这些都是很棒的事情, 但我们还需要创造就业机会。
10:24
Take all of the new tech companies,
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以所有的新科技公司为例,
10:26
and I say "new" because now they're not so new,
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我说“新”是因为现在 它们已经不那么新了。
10:30
but take Facebook, Google, Amazon.
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但以脸书,谷歌,亚马逊为例,
10:32
At some point, all of those companies were sole proprietorships
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在某些节点,所有这些公司 都是独资企业,
10:35
with one employee
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只有一个
10:37
or a few employees
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或几个员工
10:38
that were building a technology that was not yet proven.
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在开发一种尚未得到验证的技术。
10:42
What those companies received early on
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这些公司在早期得到了
10:46
was venture capital money.
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风险投资,
10:48
And when you look at venture capital today,
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但看看现在的风险投资
10:50
only one percent of venture capital funds go to Black founders.
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只有百分之一的风险投资资金 流向了黑人创始人。
10:54
So if Black entrepreneurs are largely shut out of those networks
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所以如果黑人企业家在很大程度上 被这些网络拒之门外,
10:57
they're not able to grow,
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他们就没有能力成长。
10:59
and the only way for that to change
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要改变这种情况,
11:01
is from within the industry itself.
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唯一的方法就是 从行业内部开始。
11:04
In this generation, we must not only be talking about thriving businesses
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在这一代,我们不能只谈论 在黑人社区
11:08
in Black communities.
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繁荣发展业务。
11:09
We must also be talking about seeing more Black-owned
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我们还必须谈论看到更多的
11:13
and founded businesses going public.
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黑人持有或者建立的企业公开上市。
11:17
Those are just four solutions.
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这些只是四个解决方案,
11:18
There's many other things that can and should be done
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还有很多其他事可以 而且应该被解决
11:21
to close the wealth gap.
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以缩小贫富差距。
11:23
This gap is not new.
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这种差距并不新鲜,
11:24
It was born and perpetuated by federal policy, social constructs
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它是由联邦政策、社会结构、
11:31
and business practice over time,
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商业惯例所产生和延续的,
11:32
and all of those things need to change
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而所有这些东西都需要改变
11:35
to start to close the gap.
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以开始缩小贫富差距。
11:37
Financial institutions play a really critical role
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金融机构扮演着 非常关键的角色,
11:39
at the individual level, at the community level
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不仅在个人层面 更在社区层面
11:42
and at the business level.
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以及商业层面。
11:43
It's important to our families, it's important to our communities
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这对我们的家庭很重要、 对我们的社区很重要、
11:46
and it's important to our economy.
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也对我们的经济很重要。
11:49
Instead of talking about how the gap continues to grow,
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与其谈论差距怎样会继续扩大,
11:52
let's begin to close the gap now.
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不如现在就开始缩减这种差距。
11:54
Thank you.
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感谢你的观看
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