Trump政府提议将Fannie Mae和Freddy Mac私有化, 引发关于抵押利率和金融稳定风险的辩论。 The Trump administration proposes privatizing Fannie Mae and Freddie Mac, sparking debate over risks to mortgage rates and financial stability.

2026年初,特朗普政府提议对Fannie Mae和Freddy Mac进行部分私有化。 Fannie Mae和Freddy Mac是政府控制的按揭巨头,为70%的美国住房贷款提供保险。 In early 2026, the Trump administration proposed partial privatization of Fannie Mae and Freddie Mac, government-controlled mortgage giants that insure about 70% of U.S. home loans. 由特朗普总统任命的FHFA主任比尔·普尔特(Bill Pulte)推动这项计划, 认为该计划可以让纳税人重新获得价值, 但批评者警告该计划可能提高按揭利率, 破坏市场稳定, 让政治盟友受益。 FHFA Director Bill Pulte, appointed by President Trump, has pushed the plan, arguing it could return value to taxpayers, but critics warn it may raise mortgage rates, destabilize markets, and benefit political allies. Pulte在住房方面经验有限,与住房建设行业的家庭关系有限,尽管存在法律问题、解雇高级官员以及利用机构权力对付政治反对派,但Pulte在两家公司担任领导职务时仍受到严格审查。 Pulte, with limited housing experience and family ties to the homebuilding industry, has drawn scrutiny for assuming leadership roles at both firms despite legal questions, firing senior officials, and using agency powers against political opponents. 经济学家仍然意见分歧,理由是缺乏明确的过渡计划,金融稳定面临风险,因为2008年的危机导致企业保守,过去重新私有化的努力因不确定性而停滞不前。 Economists remain divided, citing a lack of a clear transition plan and risks to financial stability, as the 2008 crisis led to the firms’ conservatorship and past reprivatization efforts stalled over uncertainty.