<p>根据电视主持人 <strong>吉姆·克雷默</strong> 的说法，<strong>唐纳德·特朗普</strong> 总统提出的对信用卡利率实施一年 10% 上限的提议在华尔街引起了冷漠反应。</p>
<h2>华尔街 “似乎不在乎”</h2>
<p>克雷默在周一的 CNBC 节目 “疯狂的钱” 中表示，特朗普 “决定信用卡公司必须在一年内将利率上限设定为 10%”，同时指出这一举措需要国会的批准。</p>
<p>克雷默表示：“国会需要通过实际立法才能实现这一目标。” 他还建议，特朗普仍然可以尝试通过 “威逼” 银行高层来推动这一指令，以便在 2026 年 1 月 20 日之前开始将信用卡利率上限设定为 10%。</p>
<p>克雷默指出，市场对特朗普的公告基本上不以为然，银行股在开盘下跌后当天反弹。他说：“华尔街似乎根本不在乎，” 并补充说这是 “因为这太过分了。”</p>
<p>然而，他警告说，这样的上限将对普通美国人产生影响，特别是那些信用评分较低的人。“如果我们真的将信用卡利率上限设定为 10%，真正的受害者可能是数百万无法再借钱的美国人，” 他说。</p>
<p>他解释说，高利率对于贷款人来说是发放信用给次级借款者的风险的合理化，补充道：“这些公司根本不会向他们中的任何人放贷，除非他们能获得超高的利率。”</p>
<p>克雷默还警告说，如果信用流动受到干扰，将会对更广泛的经济产生影响。“如果这些公司停止放贷，你只是在强制要求崩溃。”</p>
<h2>银行股下跌</h2>
<p>尽管领先的银行股在当天稍后恢复，但该行业在周一收盘时仍处于下跌状态，一些公司如 <strong>资本一号金融公司</strong>（Capital One Financial Corp.）(NYSE: COF)，其大部分收入来自信用卡业务，遭遇了大幅下跌。</p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>股票 / ETF</strong></td>
<td><strong>1 天表现</strong></td>
<td><strong>年初至今表现</strong></td>
</tr>
<tr>
<td><strong>资本一号金融公司</strong></td>
<td>-6.42%</td>
<td>-4.56%</td>
</tr>
<tr>
<td><strong>摩根大通</strong> (NYSE: JPM)</td>
<td>-1.43%</td>
<td>+0.62%</td>
</tr>
<tr>
<td><strong>美国运通公司</strong> (NYSE: AXP)</td>
<td>-4.28%</td>
<td>-2.62%</td>
</tr>
<tr>
<td><strong>花旗集团</strong> (NYSE: C)</td>
<td>-2.98%</td>
<td>+0.42%</td>
</tr>
<tr>
<td><strong>美国银行</strong> (NYSE: BAC)</td>
<td>-1.09%</td>
<td>+0.44%</td>
</tr>
<tr>
<td><strong>金融选择行业 SPDR ETF</strong> (NYSE: XLF)</td>
<td>-0.79%</td>
<td>+0.88%</td>
</tr>
</tbody>
</table>
<p>银行业组织如银行政策研究所、美国银行家协会、消费者银行家协会、金融服务论坛和美国独立社区银行家协会 联合发表声明，表达了他们对这一举措可能限制消费者信用可用性的担忧。</p>
<p><em>照片来源：Markus Mainka，来自 Shutterstock.com</em></p>

<p>吉姆·克莱默指出，华尔街对特朗普总统提出的需要国会批准的为期一年的信用卡利率 10% 上限提案漠不关心。他警告称，这一上限可能导致数百万人失去信用，特别是那些信用评分较低的人。克莱默提到，高利率对于贷款人来说是必要的，以证明与次级借款人相关的风险。尽管出现了短暂的反弹，但银行股收盘下跌，像 Capital One 这样的公司出现了显著下滑。银行组织对消费者信用可用性可能受到的限制表示担忧</p>

<p>President <strong>Donald Trump’s</strong> proposal to impose a one-year 10% cap on credit card interest rates is being met with indifference on Wall Street, according to TV host <strong>Jim Cramer</strong>.</p>
<div class="lb-trans"><p>根据电视主持人 <strong>吉姆·克雷默</strong> 的说法，<strong>唐纳德·特朗普</strong> 总统提出的对信用卡利率实施一年 10% 上限的提议在华尔街引起了冷漠反应。</p>
</div><h2>Wall Street ‘Doesn’t Seem To Care’</h2>
<div class="lb-trans"><h2>华尔街 “似乎不在乎”</h2>
</div><p>Cramer said Trump has “decided that credit card companies will have to cap rates at 10% for a year,” while noting that the move requires Congressional approval, on CNBC’s “Mad Money” on Monday.</p>
<div class="lb-trans"><p>克雷默在周一的 CNBC 节目 “疯狂的钱” 中表示，特朗普 “决定信用卡公司必须在一年内将利率上限设定为 10%”，同时指出这一举措需要国会的批准。</p>
</div><p>“Congress would need to pass actual legislation to make that happen,” Cramer said, while suggesting that Trump could still attempt to move forward by trying to “browbeat” the heads of the banks into complying with his directive to begin capping credit card interest rates at 10% by Jan. 20, 2026.</p>
<div class="lb-trans"><p>克雷默表示：“国会需要通过实际立法才能实现这一目标。” 他还建议，特朗普仍然可以尝试通过 “威逼” 银行高层来推动这一指令，以便在 2026 年 1 月 20 日之前开始将信用卡利率上限设定为 10%。</p>
</div><p>Cramer noted that the market has largely shrugged off Trump’s announcement, with bank stocks rebounding during the day after opening lower. “Wall Street just doesn't seem to care,” he said, adding that it was “because it's too over the top.”</p>
<div class="lb-trans"><p>克雷默指出，市场对特朗普的公告基本上不以为然，银行股在开盘下跌后当天反弹。他说：“华尔街似乎根本不在乎，” 并补充说这是 “因为这太过分了。”</p>
</div><p>However, he cautioned that the consequences of such a cap would be felt by ordinary Americans, particularly those with lower credit scores. “If we actually cap credit card interest rates at 10%, the real victims would probably be the millions of Americans who [would] no longer be able to borrow money,” he said.</p>
<div class="lb-trans"><p>然而，他警告说，这样的上限将对普通美国人产生影响，特别是那些信用评分较低的人。“如果我们真的将信用卡利率上限设定为 10%，真正的受害者可能是数百万无法再借钱的美国人，” 他说。</p>
</div><p>He explained that high rates were essential for lenders to justify the risk of issuing credit to subprime borrowers, adding, “these companies simply won't lend to any of them unless they can get superpotent interest rates.”</p>
<div class="lb-trans"><p>他解释说，高利率对于贷款人来说是发放信用给次级借款者的风险的合理化，补充道：“这些公司根本不会向他们中的任何人放贷，除非他们能获得超高的利率。”</p>
</div><p>Cramer also warned about broader economic impacts if the credit flow gets disrupted. “You'd just be mandating a crash if these companies stop lending.”</p>
<div class="lb-trans"><p>克雷默还警告说，如果信用流动受到干扰，将会对更广泛的经济产生影响。“如果这些公司停止放贷，你只是在强制要求崩溃。”</p>
</div><h2>Bank Stocks In The Red</h2>
<div class="lb-trans"><h2>银行股下跌</h2>
</div><p>While leading bank stocks did recover later in the day, the sector closed in the red on Monday, with some companies such as <strong>Capital One Financial Corp.</strong> (NYSE: COF), which derives the bulk of its revenue from its credit card business, witnessing steep declines.</p>
<div class="lb-trans"><p>尽管领先的银行股在当天稍后恢复，但该行业在周一收盘时仍处于下跌状态，一些公司如 <strong>资本一号金融公司</strong>（Capital One Financial Corp.）(NYSE: COF)，其大部分收入来自信用卡业务，遭遇了大幅下跌。</p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Stocks / ETFs</strong></td>
<td><strong>1 Day Performance</strong></td>
<td><strong>Year-To-Date Performance</strong></td>
</tr>
<tr>
<td><strong>Capital One Financial Corp.</strong></td>
<td>-6.42%</td>
<td>-4.56%</td>
</tr>
<tr>
<td><strong>JPMorgan Chase &amp; Co.</strong> (NYSE: JPM)</td>
<td>-1.43%</td>
<td>+0.62%</td>
</tr>
<tr>
<td><strong>American Express Co.</strong> (NYSE: AXP)</td>
<td>-4.28%</td>
<td>-2.62%</td>
</tr>
<tr>
<td><strong>Citigroup Inc.</strong> (NYSE: C)</td>
<td>-2.98%</td>
<td>+0.42%</td>
</tr>
<tr>
<td><strong>Bank of America Corp.</strong> (NYSE: BAC)</td>
<td>-1.09%</td>
<td>+0.44%</td>
</tr>
<tr>
<td><strong>Financial Select Sector SPDR ETF</strong> (NYSE: XLF)</td>
<td>-0.79%</td>
<td>+0.88%</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>股票 / ETF</strong></td>
<td><strong>1 天表现</strong></td>
<td><strong>年初至今表现</strong></td>
</tr>
<tr>
<td><strong>资本一号金融公司</strong></td>
<td>-6.42%</td>
<td>-4.56%</td>
</tr>
<tr>
<td><strong>摩根大通</strong> (NYSE: JPM)</td>
<td>-1.43%</td>
<td>+0.62%</td>
</tr>
<tr>
<td><strong>美国运通公司</strong> (NYSE: AXP)</td>
<td>-4.28%</td>
<td>-2.62%</td>
</tr>
<tr>
<td><strong>花旗集团</strong> (NYSE: C)</td>
<td>-2.98%</td>
<td>+0.42%</td>
</tr>
<tr>
<td><strong>美国银行</strong> (NYSE: BAC)</td>
<td>-1.09%</td>
<td>+0.44%</td>
</tr>
<tr>
<td><strong>金融选择行业 SPDR ETF</strong> (NYSE: XLF)</td>
<td>-0.79%</td>
<td>+0.88%</td>
</tr>
</tbody>
</table>
</div><p>Banking industry organizations such as the Bank Policy Institute, American Bankers Association, Consumer Bankers Association, Financial Services Forum, and Independent Community Bankers of America issued a joint statement outlining their concerns that the move could limit credit availability for consumers.</p>
<div class="lb-trans"><p>银行业组织如银行政策研究所、美国银行家协会、消费者银行家协会、金融服务论坛和美国独立社区银行家协会 联合发表声明，表达了他们对这一举措可能限制消费者信用可用性的担忧。</p>
</div><p><em>Photo courtesy: Markus Mainka on Shutterstock.com</em></p>
<div class="lb-trans"><p><em>照片来源：Markus Mainka，来自 Shutterstock.com</em></p>
</div>

Jim Cramer 表示，‘华尔街似乎不在乎’ 特朗普对信用卡利率设定的 10% 上限，并警告称 ‘数百万人’ 将失去信贷机会