2026-03-31T18:10:00-0400 / 哥伦比亚广播公司新闻
杰米·戴蒙正在其亟需之际为资本主义辩护。
在接受《CBS晚间新闻》主持人托尼·多库皮尔的采访时，这位摩根大通首席执行官驳斥了关于美国经济体系已不再惠及广大美国民众的批评，称其“大错特错”。戴蒙承认资本主义存在弊端，但表示它已帮助“数十亿人”摆脱贫困。
他发表此番言论之际，数百万美国民众正为高昂的生活成本苦苦挣扎，多项民调显示民众对资本主义的正面看法有所下降。最近的一项哥伦比亚广播公司新闻民调还发现，大多数美国人认为，与前几代人相比，如今买房、养家和找到一份好工作都更加困难。
戴蒙是在摩根大通推出新的“美国梦”计划后接受多库皮尔采访的。该计划将向当地社区投入数百亿美元，用于支持小企业、经济适用房建设和就业增长。
“有些人很自私，有些人以自我为中心，有些人这样，有些人那样，”被广泛认为是美国最杰出的银行业首席执行官的戴蒙说，“这在共产主义社会或资本主义社会都一样。有些企业会做坏事，但这并非资本主义的错。”
“糟糕的政策”
尽管戴蒙将美国描述为一个“繁荣国家”，并表示美国人的生活比过去更好，但他承认，收入最低的三分之一人群的进步幅度较小。
“他们的收入并没有真正增长多少，”他说，“他们的生活更艰难。”
最近的哥伦比亚广播公司新闻民调显示，62%的美国人认为富人的机会越来越多，而只有16%的人认为中产阶级的机会同样如此。专家表示，这种情绪反映了美国所谓的“K型”经济的出现，即高收入群体和低收入群体的命运出现分化。
戴蒙将许多美国人面临的经济负担难题部分归咎于“糟糕的政策”，称这些政策未能推动经济增长。他表示，过去二十年的经济增长率平均约为2%。
“如果增长率达到3%，我们的人均GDP将增加2万美元。这足以解决很多问题，”他说，并补充道，增长“是创造一切的基础——资本形成、资本、研发、投资和生产力”。
对经济适用房的需求
为刺激经济活动，戴蒙支持建设更多经济适用房，并加大对地方学区的投资。
实现这些目标并非易事。摩根大通首席执行官表示，为加强美国的经济适用房供应，美国需要重新制定规定抵押贷款利率的规则，并消除使建房变得更加困难和昂贵的障碍。
“我们无法建造更多经济适用房的原因在于当地的 zoning 规定和抵押贷款发放——那些让获得抵押贷款的成本变得极高的抵押贷款规则。我们可以降低抵押贷款的成本，”他说。
目前的抵押贷款利率为6.38%，自2月28日伊朗战争爆发以来上涨了0.4个百分点。与此同时，根据无党派研究机构兰德公司去年发布的一份报告，由于更高的开发费用和更长的审批流程，加州等州的多户住宅建造成本是其他州的两倍。
特朗普总统曾呼吁禁止机构投资者购买单户住宅。但戴蒙对该提案能否产生多大影响表示怀疑。
“我不想这么说，但这基本上无关紧要……”他告诉哥伦比亚广播公司新闻，“所谓的大公司仅拥有1%的住宅。……我不认为这会改变任何局面。”
摩根大通的预测市场？
戴蒙还表示，摩根大通正在评估市场对预测市场日益增长的需求，并告诉哥伦比亚广播公司新闻，“有朝一日我们有可能会涉足此类业务”。
不过，摩根大通将禁止客户像传统预测市场那样对体育赛事和政治结果下注。
“有很多事情我们不会做。显然，我们对内幕信息有严格的规定，”戴蒙说。
当被多库皮尔问及预测市场更多是用于投资还是赌博时，戴蒙表示，这类平台可被用于两种目的。
“我认为在大多数情况下，它更像是赌博，”戴蒙说，“但也有一些领域你可以说，‘不，这是投资’。你知识渊博，你在下注时站在了对立面，而且你认为……你比对方更了解情况。”
人工智能将为社会带来“巨大益处”——也伴随着风险
戴蒙还谈到了他对人工智能将如何重塑社会的看法。他预测，这项技术 could 有助于开发疾病治疗方法，将工作周缩短至三天半，并改善道路和航空安全，还有其他诸多益处。
“人工智能将治愈癌症。它将研发出更优质的材料。它将减少大量车祸，”他说。
尽管这项技术将改善人们的生活，但戴蒙补充道，人工智能也可能扰乱部分就业市场。他强调，公共和私营部门联手制定政策以应对人工智能带来的问题至关重要。
“我确实认为，从长远来看，人工智能将为社会带来巨大益处，”他说，“如果短期内造成问题，我们要做好准备。”
油价之痛
随着伊朗战争进入第五周，戴蒙承认他不确定这场冲突是否会将美国拖入衰退，并表示“对世界未来而言，更重要的是这场战争能够得到妥善解决”。
他承认，周二达到每加仑4美元的油价——这是自2022年以来的首次——“非常令人遗憾”，将给许多美国人带来困难。
“油价会让一些人日子不好过，”他说，并补充道，“冲突越早得到妥善解决越好。”
Jamie Dimon says not supporting capitalism is “dead wrong” — and more highlights from CBS News interview
2026-03-31T18:10:00-0400 / CBS News
Jamie Dimon is defending capitalism in its hour of need.
In an interview with “CBS Evening News” anchor Tony Dokoupil, the JPMorgan Chase CEO rejects critiques of the country’s economic system as no longer benefiting a mass of Americans as “dead wrong.” Dimon acknowledged that capitalism has its drawbacks, but said it has helped lift “billions” out of poverty.
His remarks come as millions of Americans struggle with the high cost of living and with some polls showing a decline in positive views of capitalism. A recent CBS News poll also found that most Americans think it is harder to buy a home, raise a family and get a good job than it was for past generations.
Dimon spoke with Dokoupil following the launch of JPMorgan Chase’s new “American Dream” initiative, which will funnel tens of billions of dollars into local communities to support small businesses, affordable housing and job growth.
“Some people are selfish. Some are self-centered. Some are this. Some are that,” said Dimon, who is widely regarded as America’s most prominent banking industry CEO. “That’s true in a communist society or in a capitalist society. Some businesses do bad things, and it’s not because of capitalism.”
“Bad policy”
Still, while Dimon described the U.S. as a “prosperous nation” and said that Americans are better off than they were in the past, he acknowledged that the bottom third of income earners have seen less progress.
“Their incomes didn’t really go up very much,” he said. “They struggle more.”
The recent CBS News poll shows that 62% of Americans think opportunities are increasing for wealthy people, versus 16% who said the same for the middle class. Experts say such sentiments reflect the emergence of a so-called”K-shaped”economy in the U.S., which describes the divergent fortunes of wealthier people and those lower down the ladder.
Dimon blamed part of the affordability challenges many Americans face on “bad policy” that has failed to ignite economic growth, which he said has averaged around 2% for the last two decades.
“Had it been 3%, we [would have had] $20,000 per person more GDP. That would’ve paid for an awful lot,” he said, adding that growth is “what creates everything — capital formation, capital, R&D, investment, productivity.”
A need for affordable housing
To rev up economic activity, Dimon supports creating more affordable housing and boosting investment in local school districts.
Achieving those goals won’t be easy. To shore up the nation’s affordable housing supply, the JPMorgan CEO said the U.S. would need to rework the rules that dictate mortgage rates and remove barriers that make it more difficult and expensive to build homes.
“The reason we’re not building more affordable housing is because of local zoning requirements and mortgage origination — mortgage rules that made it so expensive to get a mortgage. We could reduce the cost of that mortgage,” he said.
Mortgage rates now stand at 6.38%, up 0.4 percentage points since the Iran war started on February 28. Meanwhile, the cost to build multifamily housing in states such as California is twice as much as in other states due to higher development fees and longer permitting processes, according to a report released last year by RAND, a nonpartisan research organization.
President Trump has called for a ban on institutional investors’ ability to buy single-family homes. But Dimon is skeptical that the proposal would have much of an impact.
“I hate to tell you this, it’s basically irrelevant…” he told CBS News. “Only 1% of the homes are owned by what you would call large companies. … I don’t think it’s gonna change any calculus.”
JPMorgan Chase prediction market?
Dimon also said JPMorgan Chase is assessing the growing demand for prediction markets, telling CBS News that “it’s possible one day we’ll do something like that.”
Still, JPMorgan Chase would draw the line at allowing customers to bet on sports and politics, as prediction markets do.
“There’s a bunch of stuff we won’t do. And obviously, we have strict rules around insider information,” Dimon said.
Asked by Dokoupil whether prediction markets are more for investing or gambling, Dimon said the platforms can be used for both purposes.
“I think for the most part, it’s more like gambling,” Dimon said. “But there are areas where you could say, ‘No, it’s investing.’ You are deeply knowledgeable. You’re taking the other side of a bet. And you think … you know better than the other person.”
AI will bring “huge benefits for society” — and risks
Dimon also touched on how he envisions artificial intelligence will reshape society. He predicts the technology could help develop treatments for disease, shrink the work week to three and a half days, and improve road and aviation safety, among other benefits.
“AI’s gonna cure cancers. It’s gonna come up with better materials. It’ll stop a lot of car crashes,” he said.
While the technology will improve people’s lives, AI could also disrupt parts of the job market, added Dimon, who stressed the importance of the public and private sectors joining forces to develop policies to address issues caused by AI.
“I do think AI in the long run will create huge benefits for society,” he said. “If it causes problems in the short run, let’s be prepared.”
Pain at the pump
With the Iran war entering its fifth week, Dimon admitted he is unsure if the conflict would tip the U.S. into a recession, saying that “what’s more important to the future of the world is that the war successfully conclude.”
He acknowledged that higher gas prices, which on Tuesday hit $4 a gallon for the first time since 2022, are “very unfortunate” and will cause hardship for many Americans.
“The gas prices are gonna hurt some folks,” he said, adding that “the sooner it gets properly resolved, the better.”
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