2026年1月28日 / 美国东部时间晚上10:18 / 哥伦比亚广播公司新闻
美国财政部长斯科特·贝森特在周三接受《哥伦比亚广播公司周六早间新闻》联合主持人凯利·奥格雷迪采访时，谈到了财政部对美联储主席杰罗姆·鲍威尔的持续调查，以及政府为特朗普第二任期内出生的儿童推出的新1000美元”特朗普账户”。以下是两人对话的完整实录。
凯利·奥格雷迪：非常感谢部长能接受我们的采访。我们先从”特朗普账户”开始，好吗？让我们先从宏观角度快速切入。对于正在观看的家庭，您能用一句话介绍”特朗普账户”吗？
财政部长斯科特·贝森特：嗯，对于2025年1月1日至2028年12月31日期间出生的儿童家庭，政府将投入1000美元用于购买指数基金。但所有有18岁以下儿童的家庭都可以注册，网址是Trumpaccounts.gov，7月5日正式启动。即使您的孩子没有收到政府的1000美元，您也可以进行免税捐赠。我们还有雇主参与、亲友捐赠等渠道。例如，美国著名慈善家迈克尔和苏珊·戴尔夫妇捐赠62.5亿美元，雷·达里奥（收养过儿童或在康涅狄格州赞助儿童）、布拉德·格斯特纳（这一想法源自他的餐桌灵感）等也宣布将向所有5岁以下儿童捐赠。我们预计有2500万家庭会注册，仅本周就已有60万家庭申请，所以请尽快注册并启动项目。
奥格雷迪：好的。刚才的回答可能超过一句，但我可以忽略这个小失误，因为解释得很清楚，我很喜欢。不过我想追问一下财富差距的问题。批评者认为，高收入家庭可以长期持续捐赠，而低收入家庭的孩子18岁时可能只有约5000美元，甚至更少。您将如何防止这个项目加剧财富差距？
贝森特：实际上，这种批评非常荒谬，它暴露了批评者的脱节——如果他们说只有5000美元，那美国有多少家庭连500美元的紧急医疗支出都负担不起？他们怎么能说只有5000美元？这简直毫无道理。显然，这只是因为特朗普总统推动了这个项目，他们就反对。此外，迈克尔和苏珊·戴尔等慈善家的62.5亿美元捐款不会集中在最富裕的20%人群所在的邮编区域。慈善家可以自主选择捐赠区域，包括按邮编、学区或经济分区分配。因此，这恰恰不会扩大贫富差距。
奥格雷迪：不。
贝森特：你不会希望贫富差距扩大。看看委内瑞拉、古巴，那里的人们一无所有。
奥格雷迪：好的。我是商业记者，所以想了解低收入家庭的金融知识问题。很多家庭可能缺乏理财能力，我坦诚地说，我花了很长时间才取得现在的成就。这个项目中有哪些保障措施来帮助教育民众，确保孩子18岁时能正确使用这笔钱并真正受益？
贝森特：当然，这是个好问题。多年来我一直大力倡导金融知识教育。我们正推动各州参与——我认为教育应该由各州负责。但事实上，这些账户本身就是一个实时教育实验室。人们会主动学习如何管理资金，因为可以通过手机查看账户情况。这不再是华尔街的抽象概念，而是切实影响每个人的金融生活。
奥格雷迪：（笑）熊市、牛市。
贝森特：没错。财政部将推出大量金融教育资源。我曾在南卡罗来纳州查尔斯顿的梅因街Circle K便利店遇到很多年轻员工，他们都在买彩票。有人问我：”先生，如果我中了彩票，您会帮我理财吗？”我说最好的办法是不要买彩票，但我无法告诉他们其他理财方式。你可以建议他们为孩子开设账户，多年后这笔钱会增值。
奥格雷迪：我想回到这个话题。我们稍后再详细讨论”特朗普账户”，但正如您所说，这是未来的事。现在美国有很多像刚才提到的人群正面临经济压力。我听到您的政府说经济很好，但确实有人感受不到。总统说”再给我们一点时间”，您能告诉美国民众需要等多久？
贝森特：哦，我认为经济已经开始好转了。他们确实面临压力，因为拜登政府严重损害了工薪阶层利益。当时通胀率高达22-23%，但我的朋友、Strategas Partners的杰森·特伦纳特提出了”普通人指数”——涵盖食品、保险、汽车、二手车和租金，涨幅达30%。但现在情况正在改善：通胀率正回归美联储2%的目标，租金下降，能源价格回落。总统正推动降低处方药成本，这些措施将带来真实的工资增长。总统任期内每月都有实际工资增长，包括标志性政策：小费免税、加班费免税、社会保障免税，以及美国制造汽车贷款的利息可抵扣（2025年起追溯生效）。此外，我们国税局没有发布预扣税指南，今年将有大量退税。
奥格雷迪：我确实想确认一点，如果发生政府停摆（民主党因移民局资金问题否决预算），国税局如何应对税季？
贝森特：我认为民主党不会如此不负责任地造成政府停摆。上次停摆持续太久，这次不会。我们已做好持续运营计划，完全不会影响税季。事实上，最近的寒潮对国税局的影响比停摆更大。我们准备充分、预案周全。
奥格雷迪：好的。您提到通胀率2%的目标，我必须追问美联储的调查问题——本周美联储将公布利率决议，司法部正在调查美联储主席鲍威尔，这对未来美联储主席意味着什么？
贝森特：这传递的信息是：独立性不等于无问责。自去年春天起，我一直呼吁美联储开展内部调查，但他们拒绝了。美联储是美国最有权势的非任命机构，因此必须像”凯撒的妻子”一样无可指责。如果我想更换财政部官员，需要国会拨款；但美联储可以随意”印钞”7亿美元建办公楼，却无需问责。总统高度尊重美联储的独立性，但独立不代表可以不负责。
奥格雷迪：有人会担心，如果利率不符合总统意愿，是否会有更多问责和监管？
贝森特：完全不会。美联储是12人委员会，主席仅有一票表决权。
奥格雷迪：有道理。观众反馈说媒体过多关注国际新闻，忽视国内议题。我想了解委内瑞拉石油销售的资金去向——最近美国从委内瑞拉进口石油，款项流向哪里？
贝森特：资金将用于委内瑞拉民众。但这对美国民众至关重要，因为委内瑞拉重质原油是美国南部炼油厂的关键原料。炼油厂获得更多供应，汽油价格就会下降。
奥格雷迪：是的，我看CPI时总会关注能源价格，因为它是物价走势的重要驱动因素。
贝森特：没错。
奥格雷迪：最后一个问题，回到”特朗普账户”。假设现在有家庭刚出生孩子并注册，18年后（2043年）收到资金，如果这笔钱未能帮助孩子上大学或买房，您会认为项目失败吗？财政部如何衡量成功？
贝森特：首先，如前所述，很多美国人连500美元应急资金都没有。这笔钱可能成为”雨天基金”，帮助家庭应对突发支出。我曾打三份工上大学，如果有这个账户，可能只需打两份工。这个项目的成功在于让原本不参与金融市场的家庭（美国38%无股票的家庭）参与长期投资，成为持续的金融教育过程。
奥格雷迪：嗯，这也是我工作的意义所在。最后一个问题，我们通常以轻松话题结束。我听说您自称商业”忍者”，能透露一下吗？埃隆·马斯克的黑眼圈是右勾拳还是左勾拳造成的？
贝森特：无论谁打的，都是左撇子。
奥格雷迪：啊！部长您是左撇子吗？
贝森特：这得留到下次采访再说。
奥格雷迪：（笑）
贝森特：不过我猜他儿子X可能是左撇子，他说”X做了这件事”……
奥格雷迪：那他可能培养出了UFC选手。
贝森特：他可能带X参加了UFC比赛……
奥格雷迪：好的，贝森特部长，感谢您今天的时间，非常感谢。
贝森特：很高兴见到你。
Read the full transcript of Kelly O’Grady’s interview with Treasury Secretary Scott Bessent here
January 28, 2026 / 10:18 PM EST / CBS News
U.S. Treasury Secretary Scott Bessent addressed his department’s ongoing investigation into Federal Reserve Chair Jerome Powell and the administration’s new $1,000 “Trump Accounts” for children born during President Trump’s second term in an interview Wednesday with “CBS Saturday Morning” co-host Kelly O’Grady. Read the full transcript of their conversation below.
KELLY O’GRADY: Thank you so much, Secretary, for sitting down with us. I want to start on the Trump accounts. Okay? So let’s start broad and quick. What, for families viewing, is your one-sentence pitch on the Trump accounts?
SECRETARY SCOTT BESSENT: Well, for the families who have children between January 1st, 2025, and December 31, 2028, you got $1,000 coming from the government that’s going to be invested into an index fund. But for all families with children below age 18, sign up,Trumpaccounts.gov, they’re going to go live July 5th. So even if your child doesn’t get the thousand dollars from the government, you can contribute in tax free. And we’re going to have employers who are contributing, friends, family can contribute. We got some of America’s great philanthropists like Michael and Susan Dell, $6.25 billion, you got Ray Dalio, who adopted children, or sponsoring children in the state of Connecticut, Brad Gerstner, who, this really came from an idea at his dining room table, just announced he’s going to donate to all children below age five. So we think there are 25 million households who are there to sign up, we’ve gotten 600,000 signups just this week, so sign up, and the – start the program.
O’GRADY: All right. That might have been more than one sentence, but I’ll let it slide because it was good. It was a good explanation, I like it. I want to press you, though on this, this question of the wealth gap, because we’ve heard from critics that, well, let’s say I’m a high-income-earning family, I can keep contributing to that over time as my child grows. But if I’m a low-income family, my child, when they turn 18, may only have $5,000 or so, give or take. So, how are you going to prevent the wealth gap from widening with this program?
BESSENT: Well, actually, I think that that is a terrible criticism, and it shows how out of touch anyone who says that is, because if they say only $5,000, these are families, huge number of families in America, wouldn’t have $500 to meet a medical emergency. So how can they say only $5,000? What the hell are they talking about? Doesn’t make any sense. You know, it’s just because President Trump has sponsored it. They don’t agree with it. The other thing, too, is a lot of the contributions, Michael and Susan Dell’s contribution, $6.25 billion across America, is not going to the top 20% economic zip codes. So philanthropists can actually choose. They can choose by zip codes. They can choose by school district. They can do it by economic quintiles. States can get in on the action. So and again, you don’t want a wealth gap.
O’GRADY: No.
BESSENT: You don’t want a wealth gap. Go to Venezuela. Go to Cuba. Nobody has anything.
O’GRADY: Okay. So, you know, I cover business, right? So let’s, let’s talk a little bit though about those, those lower income families that maybe don’t have the financial literacy, because I’m going to be honest, it took me a long time to get where I was. What are some of the safeguards in this program that will help educate folks so that when someone does turn 18, you know they are able to utilize this in the right way and benefit?
BESSENT: Sure. Great. Great question. I’ve been a big proponent of financial literacy over the years. We are pressing the states. We think, you know, states should be in charge of education. But I believe that by virtue of the accounts existing, we’re going to have a great real-time laboratory. The people are going to want to get up to speed, because you’re going to be able to look at it on your phone. You can sign up on your phone, you can watch the account on your phone. So all of a sudden it’s not some abstract intangible that like, this is what goes on at the corner of Wall Street and Broad Street.
O’GRADY: [LAUGHS] Bears. Bulls. Yeah.
BESSENT: Yes. And so, but we’re going to push a big amount of financial literacy out of Treasury. We’re going to continually encourage people to update and I think families are going to be very interested. I – we studies have shown that the main impediment is getting the account open, that people who don’t save, they don’t have a vehicle to save is what – my deep, dark secret is I have a Dr. Pepper for breakfast. Not allowed to do it in the house with the children.
O’GRADY: Wait, that’s your, that’s your breakfast, Secretary? [LAUGHS]
BESSENT: Yeah. [LAUGHS]
O’GRADY: Breaking news. [LAUGHS]
BESSENT: Don’t tell Bobby Kennedy.
O’GRADY: All right, all right, all right, well –
BESSENT: Don’t tell Bobby Kennedy. But, I, but I, end up at the Circle K on Meeting Street in Charleston, South Carolina. A lot of young workers there. I’m dressed like this. They come up to me, they’re all playing the lottery. And, they say, Mister, if I win the lottery, will you manage my money? And I said, the best thing you can do is not play the lottery. But I couldn’t tell them what else to do with it. Now, you could say, put it in your child’s account and it’ll, it’ll grow over the years.
O’GRADY: So I do want to pick up on on that, right. And we’ll get back to the Trump accounts in a minute. But that’s a future thing, right, to your point. There are people in this country like the ones that you just spoke about that are feeling crunched now. And I’ve heard your administration and you say we have a great economy, but you do have folks that aren’t feeling it. The president has said, just give us time. Give us time. Can you tell the American people how long they have to wait?
BESSENT: Oh, I, I think, it’s starting to kick in right now. And they should feel crunched. The Biden administration blew out working Americans. Stated inflation was 22-23%, but a friend of mine, Jason Trennert, Strategas Partners, says, something called the Common Man Index. And that’s what working families have. So it’s groceries, insurance, cars, special used cars, rent. And that was up in the 30s. So yes, but they are crunched. So what we’re trying to do, we’re trying to control costs. I think inflation is going to be back toward the Fed target 2%. Rents are down. Energy’s down.
President’s pushing down prescription drug costs. The other side of that is going to be the real wage growth. We’ve had real wage growth every month that the President’s been in office, as part of the one big beautiful bill, the President’s signature policies, no tax on tips, no tax on overtime, no tax on Social Security, deductibility of American-made auto loans, or the interest on those, that began, it was retroactive for 2025. I’m also the IRS commissioner, we did not give withholding guidance. So we’re going to have substantial tax refunds this year.
O’GRADY: I–I actually do want to pick up on that though, because the tax refunds, that is, for folks who are struggling, everyone looks forward to April, not doin– not doing the taxes certainly in my house but the tax refund. The thing though that I’m concerned about and I want your thoughts, if we were to have a shutdown, if Democrats do decide to withhold their votes over ICE funding, how is the IRS going to deal with that during tax season?
BESSENT: Well, I think, A, I can’t imagine that the Democrats would be as irresponsible to close us down. And as you said, the Democrats’ shut down. They – they would be irresponsible to close down for the length that they did last time. But I can tell you we’re ready. We have continuous plans in place. It will not affect tax season at all. As a matter of fact, I could say that the cold weather we’ve seen the past two days is more of a hindrance than the shutdown would be at the IRS. So we are fulsome, robust and prepared.
O’GRADY: All right. I do like to hear that, I like my tax refund. You mentioned, you know, inflation, the 2% target. I immediately go, up, the Fed’s target and I would be remiss if I didn’t ask you about the Fed because we do have an interest rate decision this week.
BESSENT: Today.
O’GRADY: Today. That is right. In a few hours here, the Department of Justice is investigating Fed Chair Powell, what message should that send to future Fed chairs as the president is about to announce who will succeed Powell?
BESSENT: I think that the message is that independence does not mean no accountability. I’ve been calling for the Fed to do an internal investigation on numerous things since last spring, and they’ve chosen not to do it. The Fed has a very special relationship with the American people because it is the most powerful unappointed group in the U.S., and because of that, they have to be like Caesar’s wife, they have to be beyond reproach. So, if I, if I want a new chair for my office at Treasury, it comes from an appropriation. The Fed, if they overspend on a building, $700 million, a billion, a billion and a half, they just print magic money. So they can print their own money, so you have a responsibility. But again, President has great reverence for the Fed’s independence. But independence does not mean no accountability.
O’GRADY: Is there – would it be crazy for someone to worry that there would be more accountability, more oversight if interest rates don’t go the way that the president, this president, or, by the way, any future president, wants?
BESSENT: Not at all. Because, again, the president’s well aware that it’s a committee, and the committee has 12, 12 voters, the chair’s just one vote.
O’GRADY: Fair point. I did want to ask you, you know, something that we’ve heard from our viewers is that there isn’t enough focus on what’s going on here in the U.S, that there’s a focus on, on other countries. And I want to pick up on Venezuela. It’s one that’s been in the news. The oil sales. We’ve recently had an oil sale. Can you confirm where that money has gone from that recent Venezuelan oil sale?
BESSENT: Well, it’s going back to the Venezuelan people.
O’GRADY: Okay.
BESSENT: But again, this is very important for the American people because the, the Venezuelan oil is very heavy crude, but very, very necessary for refineries in the southern part of the U.S. So our gasoline prices are driven by that. So the more supply that comes in to those refineries, lower gasoline prices are going to come here.
O’GRADY: And that’s fair. I always, on that – when I’m looking at the CPI index, I always look at what energy is doing –
BESSENT: Yup.
O’GRADY: – because that is a big driver of where things go. Just a couple more questions for you.
BESSENT: Of course.
O’GRADY: I did want to ask, go back to the Trump accounts for a second. You know, let’s say, 2043. Someone has a baby right now. They sign up for an account. 18 years from now, if that person, when they, they receive that money in that account, if they aren’t able to go out and pay for college, to go buy a home eventually, if it hasn’t really meaningfully changed their ability to do that, would you call this a failure? Or is there a different way that the Treasury measures success in this particular program?
BESSENT: Well, first of all, again, as I said, so many Americans couldn’t even meet a $500 emergency. So maybe people just put it away and it’s a rainy day fund. You know, it can be a component. I worked three jobs to put myself through college, so maybe I would just be working two if that happened. And, but again, I think the success of this is going to be, as you just said, on foreign policy, maybe a lot of Americans, like with Venezuela, don’t understand how it affects them. For many Americans, Wall Street is just – 38% of the households who don’t have stocks, Wall Street is this abstract notion. All of a sudden they have participated for 18 years, that, in the financial markets. So as it – it’s a constant financial education.
O’GRADY: Hm. Yeah I mean – that’s, that’s sort of the reason why I have a job. So I hear you on that. Last question for you, I always like to end on a little bit of a light note when we can. Okay. I have heard you describe yourself as a ninja when it comes to business. So can you level with me? Elon Musk black eye, right hook or left?
BESSENT: Whoever did it is left-handed.
O’GRADY: Ah! Are you left-handed, Secretary?
BESSENT: That’s for the next interview.
O’GRADY: [laughs]
BESSENT: But I, I, I think his son X may be. And he said, X, they, uh, did it, so –
O’GRADY: He may have a UFC fighter on his hands, then.
BESSENT: I think he’d just taken X to UFC –
O’GRADY: Yeah.
BESSENT: – a couple of weeks before.
O’GRADY: All right, Secretary, so appreciate your time today. Thank you.
BESSENT: Good to see you.