大空头 The Big Short (2015)【完整台词】
大空头 The Big Short (2015) 全部台词 (当前第1页,一共 14 页)
(BIRDS CHIRPING)
(TELEPHONE RINGING)
MAN: Hiya, Frank.
How are the wife and kids?
You know, for you,
I'm considering treasury bonds
and utility stocks. Smoke?
JARED: In the late '70s,
banking wasn't a job
you went into to make large sums of money.
It was a fucking snooze.
(CHUCKLES) How about those Mets?
JARED: Filled with losers.
Like selling insurance or
accounting.
And if banking was boring,
then the bond department at the
bank was straight-up comatose.
We all know about bonds.
You give them to your
snot-nosed kid when he turns 15.
Maybe when he's 30
he makes a hundred bucks.
Boring.
That is, until Lewis Ranieri
came on the scene
at Salomon Brothers.
You might not know who he is,
but he changed your life
more than Michael Jordan,
the iPod and YouTube put together.
- (CHUCKLING)
- (MAN LAUGHING)
All right, gentlemen!
Let's get some money in here!
Let's make some money! What do you say?
(ALL CHEERING)
JARED: You see, Lewis didn't know it yet,
but he had already changed banking forever
with one simple idea.
The mortgage-backed security.
Or private-label MBS.
LEWIS: You've got your
average person's mortgage.
Fixed rate, 30 years.
Boring, safe, small payoff, right? But,
when you have thousands
of them all bundled together,
suddenly the yield goes up
but the risk is still small because,
well, they're mortgages!
And who the hell
doesn't pay their mortgage?
What exactly is the credit
rating on this bond?
This bond, gentlemen, is AAA-rated.
This is exactly what the Michigan state
pension fund has been looking for.
I'll buy $20 million.
Oh, come on, live a little.
- $25 million.
- (ALL LAUGHING)
JARED: The money came raining down,
and for the first time,
the banker went from the country club
to the strip club.
Pretty soon, stocks and savings
were almost inconsequential.
- They were doing $50, $100, $200 billion
- Whoo!
In mortgage bonds and dozens of other
securities a year.
(MEN CHEERING)
And America barely noticed
as its number one industry
became boring old banking.
And then one day,
almost 30 years later, in 2008,
it all came crashing down.
FEMALE REPORTER: March.
Bear Stearns was in a death spiral
and the Fed brokered its sale.
BRIAN WILLIAMS: It's been called the
worst financial crisis in modern times.
Certainly the largest financial disaster
in decades in this country,
and perhaps the end of an era
in American business.
JARED: In the end, Lewis Ranieri's
mortgage-backed security
mutated into a monstrosity that
collapsed the whole world economy.
And none of the experts or leaders or
talking heads had a clue it was coming.
I'm guessing most of you
still don't really know what happened.
Yeah, you got a soundbite you repeat
so you don't sound dumb, but come on.
Our financial institutions are strong.
But there were some who saw it coming.
While the whole world
was having a big old party,
a few outsiders and weirdos
saw what no one else could.
Not me. I'm not a weirdo.
I'm pretty fucking cool.
But we'll meet again later.
These outsiders saw the giant lie
at the heart of the economy.
And they saw it by doing something
the rest of the suckers
never thought to do.
They looked.
(TAPPING)
MIKE: During the 1930s,
the housing market collapsed nationwide
by roughly 80%.
I mean, half of all mortgage debt
was in default.
And, I mean, there were very
specific identifiers,
extremely recognizable.
I mean, for instance,
(STAMMERING) one of the hallmarks of mania
is the rapid rise
in complexity and the rates of fraud.
And did you know that they're going up?
(CHEERLEADERS CHEERING)
MAN: Whoo!
(INAUDIBLE)
MIKE: I've always been
more comfortable alone.
(GIRLS TALKING INDISTINCTLY)
(GIRLS LAUGHING)
I believe maybe
it's because of my glass eye.
I lost the eye in a childhood illness.
It separates me from people.
And did you know that they are going
up?
The highest fraud rates since the 1930s.
MIKE'S MOM:
Hey, hey, it's okay. It's okay.
No, I didn't know that.
(MIKE STUTTERING)
(MIKE CHUCKLING)
In 1933, the fourth year
of the Great Depression.
Let's wash it off and put it back in.
MIKE'S DAD:
You were playing so great, son.
I even heard the coach say it.
Can we just go home?
MIKE: Most social interactions
are awkward for me and for the person.
Even when I try to compliment someone,
it comes out wrong.
You have a very nice haircut.
Did you do it yourself?
(CHUCKLES) What?
(STAMMERING) No. No, I...
(SPLASHING)
(TELEPHONE RINGING IN DISTANCE)
I'm sorry. I'm just...
(SIGHS)
I'm going on and on.
My wife told me I need to share more.
Mmm.
- That seems healthy.
- Yeah.
Mmm-hmm.
(CHUCKLES)
Uh...
So do I get the job?
I really think I could help your fund.
Yeah.
Yeah, sure. Go on.
(BOTH CHUCKLING)
- You're...
- David. Great.
I guess I'll go find a desk.
Is there anything you want me
to work on for start...
Uh...
Yeah.
DAVID: You could let me know later.
I could come back.
(STUTTERING)
Did you think it was strange when, um,
the tech bubble burst in 2001
and the housing market in San Jose,
the tech capital of the world,
went up?
Wasn't that strange?
DAVID: No.
No, it's housing.
Housing is always stable.
Low risk. It's solid.
That's the idea, yeah.
I want you to get me
the top 20 selling mortgage bonds.
So you want to know what
the top 20 selling mortgage bonds are?
No, no, no, I want to know
what mortgages are in each one.
(CHUCKLING) Okay, aren't those
mortgages made up of...
(ROCK MUSIC PLAYING)
Wait, aren't those bonds made up
of thousands and thousands of mortgages?
Yeah.
DAVID: Right away, Dr. Burry.
I am a nice guy all day long.
Ask anyone, I'm a pleasure to work with.
But the second my son screws up, I am...
...yelling at him
just like my dad did to me.
I hear the words that are
coming out of my mouth and...
(DOOR OPENS)
- MARK: Sorry I'm late! No cabs.
- (DOOR CLOSES)
Oh...
So, get this.
I met with this retail banker yesterday.
I'm supposed to be getting him
to invest in a fund,
but instead
I start grilling him about
overdraft penalties
and how his bank will let
a customer write 10-12 checks
before they tell them they're overdrawn.
And this creep is making billions
off screwing over people this way.
And I'm getting madder and madder.
And I ask him,
I look him in the face and I say,
"How can you sleep at night
"knowing that you are
ripping off working people?"
And you know what he did? He left.
He just walks out of the lunch,
doesn't say a word.
(TELEPHONE RINGING)
MAN: Hiya, Frank.
How are the wife and kids?
You know, for you,
I'm considering treasury bonds
and utility stocks. Smoke?
JARED: In the late '70s,
banking wasn't a job
you went into to make large sums of money.
It was a fucking snooze.
(CHUCKLES) How about those Mets?
JARED: Filled with losers.
Like selling insurance or
accounting.
And if banking was boring,
then the bond department at the
bank was straight-up comatose.
We all know about bonds.
You give them to your
snot-nosed kid when he turns 15.
Maybe when he's 30
he makes a hundred bucks.
Boring.
That is, until Lewis Ranieri
came on the scene
at Salomon Brothers.
You might not know who he is,
but he changed your life
more than Michael Jordan,
the iPod and YouTube put together.
- (CHUCKLING)
- (MAN LAUGHING)
All right, gentlemen!
Let's get some money in here!
Let's make some money! What do you say?
(ALL CHEERING)
JARED: You see, Lewis didn't know it yet,
but he had already changed banking forever
with one simple idea.
The mortgage-backed security.
Or private-label MBS.
LEWIS: You've got your
average person's mortgage.
Fixed rate, 30 years.
Boring, safe, small payoff, right? But,
when you have thousands
of them all bundled together,
suddenly the yield goes up
but the risk is still small because,
well, they're mortgages!
And who the hell
doesn't pay their mortgage?
What exactly is the credit
rating on this bond?
This bond, gentlemen, is AAA-rated.
This is exactly what the Michigan state
pension fund has been looking for.
I'll buy $20 million.
Oh, come on, live a little.
- $25 million.
- (ALL LAUGHING)
JARED: The money came raining down,
and for the first time,
the banker went from the country club
to the strip club.
Pretty soon, stocks and savings
were almost inconsequential.
- They were doing $50, $100, $200 billion
- Whoo!
In mortgage bonds and dozens of other
securities a year.
(MEN CHEERING)
And America barely noticed
as its number one industry
became boring old banking.
And then one day,
almost 30 years later, in 2008,
it all came crashing down.
FEMALE REPORTER: March.
Bear Stearns was in a death spiral
and the Fed brokered its sale.
BRIAN WILLIAMS: It's been called the
worst financial crisis in modern times.
Certainly the largest financial disaster
in decades in this country,
and perhaps the end of an era
in American business.
JARED: In the end, Lewis Ranieri's
mortgage-backed security
mutated into a monstrosity that
collapsed the whole world economy.
And none of the experts or leaders or
talking heads had a clue it was coming.
I'm guessing most of you
still don't really know what happened.
Yeah, you got a soundbite you repeat
so you don't sound dumb, but come on.
Our financial institutions are strong.
But there were some who saw it coming.
While the whole world
was having a big old party,
a few outsiders and weirdos
saw what no one else could.
Not me. I'm not a weirdo.
I'm pretty fucking cool.
But we'll meet again later.
These outsiders saw the giant lie
at the heart of the economy.
And they saw it by doing something
the rest of the suckers
never thought to do.
They looked.
(TAPPING)
MIKE: During the 1930s,
the housing market collapsed nationwide
by roughly 80%.
I mean, half of all mortgage debt
was in default.
And, I mean, there were very
specific identifiers,
extremely recognizable.
I mean, for instance,
(STAMMERING) one of the hallmarks of mania
is the rapid rise
in complexity and the rates of fraud.
And did you know that they're going up?
(CHEERLEADERS CHEERING)
MAN: Whoo!
(INAUDIBLE)
MIKE: I've always been
more comfortable alone.
(GIRLS TALKING INDISTINCTLY)
(GIRLS LAUGHING)
I believe maybe
it's because of my glass eye.
I lost the eye in a childhood illness.
It separates me from people.
And did you know that they are going
up?
The highest fraud rates since the 1930s.
MIKE'S MOM:
Hey, hey, it's okay. It's okay.
No, I didn't know that.
(MIKE STUTTERING)
(MIKE CHUCKLING)
In 1933, the fourth year
of the Great Depression.
Let's wash it off and put it back in.
MIKE'S DAD:
You were playing so great, son.
I even heard the coach say it.
Can we just go home?
MIKE: Most social interactions
are awkward for me and for the person.
Even when I try to compliment someone,
it comes out wrong.
You have a very nice haircut.
Did you do it yourself?
(CHUCKLES) What?
(STAMMERING) No. No, I...
(SPLASHING)
(TELEPHONE RINGING IN DISTANCE)
I'm sorry. I'm just...
(SIGHS)
I'm going on and on.
My wife told me I need to share more.
Mmm.
- That seems healthy.
- Yeah.
Mmm-hmm.
(CHUCKLES)
Uh...
So do I get the job?
I really think I could help your fund.
Yeah.
Yeah, sure. Go on.
(BOTH CHUCKLING)
- You're...
- David. Great.
I guess I'll go find a desk.
Is there anything you want me
to work on for start...
Uh...
Yeah.
DAVID: You could let me know later.
I could come back.
(STUTTERING)
Did you think it was strange when, um,
the tech bubble burst in 2001
and the housing market in San Jose,
the tech capital of the world,
went up?
Wasn't that strange?
DAVID: No.
No, it's housing.
Housing is always stable.
Low risk. It's solid.
That's the idea, yeah.
I want you to get me
the top 20 selling mortgage bonds.
So you want to know what
the top 20 selling mortgage bonds are?
No, no, no, I want to know
what mortgages are in each one.
(CHUCKLING) Okay, aren't those
mortgages made up of...
(ROCK MUSIC PLAYING)
Wait, aren't those bonds made up
of thousands and thousands of mortgages?
Yeah.
DAVID: Right away, Dr. Burry.
I am a nice guy all day long.
Ask anyone, I'm a pleasure to work with.
But the second my son screws up, I am...
...yelling at him
just like my dad did to me.
I hear the words that are
coming out of my mouth and...
(DOOR OPENS)
- MARK: Sorry I'm late! No cabs.
- (DOOR CLOSES)
Oh...
So, get this.
I met with this retail banker yesterday.
I'm supposed to be getting him
to invest in a fund,
but instead
I start grilling him about
overdraft penalties
and how his bank will let
a customer write 10-12 checks
before they tell them they're overdrawn.
And this creep is making billions
off screwing over people this way.
And I'm getting madder and madder.
And I ask him,
I look him in the face and I say,
"How can you sleep at night
"knowing that you are
ripping off working people?"
And you know what he did? He left.
He just walks out of the lunch,
doesn't say a word.
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