AIG is preparing to sue some of the biggest banks for fraud, alleging that they mis-sold mortgage securities before the financial crisis and pushed the 90-year-old insurance group to the brink of failure.

美国国际集团(AIG)正准备起诉数家大银行涉嫌欺诈，理由是这些银行在金融危机之前违规向其出售了抵押贷款支持证券(MBS)，导致这家已创立90年的保险集团接近破产。

Morgan Stanley disclosed yesterday that AIG “may file a lawsuit” over $3.7bn of securities, after opting to end an agreement that had suspended legal action to allow the two parties to work on a settlement.

摩根士丹利(Morgan Stanley)昨日称，AIG决定终止此前与前者达成的一项协议，并可能就价值37亿美元的证券向其“提起诉讼”。双方之前曾达成协议，AIG同意暂不诉诸法律手段，以便双方拟定一项和解方案。

People familiar with the matter said AIG had also held intensive discussions with “a number of other banks” and reached confidential settlements with some. But other discussions are outstanding and could result in lawsuits being filed before the end of the year.

知情人士表示，AIG也与“其他多家银行”进行了密集谈判，并与其中部分银行达成了秘密和解，其余还没有结果，AIG也可能在今年底之前向相关银行提起诉讼。

In August 2011 the insurer sued Bank of America for $10.5bn, alleging the bank’s mortgage-backed securities were “marred by fraud, misrepresentations and omissions”.

2011年8月，AIG起诉美国银行(BofA)并索赔105亿美元，指控后者在出售MBS时“存在欺诈、虚假陈述和信息疏漏”。

The claim is ongoing.

这起索赔案件正在审理之中。

AIG’s talks with Morgan Stanley fell apart over the level of compensation for losses, according to people familiar with the situation, and the insurer has told Morgan Stanley it will file a lawsuit in the coming days.

知情人士透露，AIG与摩根士丹利未能在损失赔偿金额上达成一致，导致谈判破裂。AIG已通知摩根士丹利，未来几天内将对其提起诉讼。

AIG’s move to press for fraud claims in some of the cases is a tougher approach than that deployed by the Federal Home Finance Agency, the US government housing regulator.

AIG向某些银行索要欺诈赔偿的过程，要比美国政府住房监管机构——美国联邦住房金融局(FHFA)的索赔过程艰难得多。

The FHFA reached a $4bn settlement with JPMorgan Chase, and is continuing to press for multibillion-dollar settlements with other banks.

美国联邦住房金融局已与摩根大通(JPMorgan Chase)达成40亿美元的和解协议，并继续向其他银行索要数十亿美元和解金。

AIG is not part of a proposed settlement between JPMorgan and several other institutional investors that bought mortgage securities from the bank, according to these and other people involved.

知情人士透露，AIG没有参与摩根大通和其他数家机构投资者拟议的和解方案，这些银行也购买了摩根大通的MBS证券。

Those investors include BlackRock, the largest asset manager, and Goldman Sachs Asset Management.

这些机构投资者包括全球最大的资产管理公司贝莱德(Blackstone)，以及高盛资产管理公司(Goldman Sachs Asset Management)。

It mirrors a previous $8.5bn deal between investors and BofA, which AIG also opposed.

此前美国银行就和投资者达成了一项类似协议，和解金额为85亿美元，AIG同样反对该协议。

AIG was one of the biggest private purchasers of mortgage-backed securities after Fannie Mae and Freddie Mac, the government-backed institutions that were also bailed out by the crisis.

AIG是继政府支持机构——房利美(Fannie Mae)和房地美(Freddie Mac)之后，购买MBS证券最多的私营机构之一。房利美和房地美在危机中也接受了政府救助。

The FHFA is pursuing banks for compensation on behalf of Fannie and Freddie.

美国联邦住房金融局目前就是代表房利美和房地美向多家银行索赔。

Its multibillion-dollar claims are therefore higher than those of other investors. AIG is unusual in that it has not benefited from the recovery in the price of MBS that has accompanied the improving housing market because it sold its MBS at fire sale prices during the crisis.

因此，美国联邦住房金融局的索赔金额要高于其他投资者。AIG不同于其他机构的地方在于，该集团在危机期间低价抛售了所持的MBS证券，后来随着房地产市场回暖，此类证券价格回升，AIG未能从中受益。

AIG declined to comment.

AIG拒绝就此置评。