请详细论述艾尔·古拉尔
#### 艾尔·古拉尔简介

艾尔·古拉尔(AbdulAzizAlGhurair)：马士礼格银行（MashreqBank）的CEO，同时还担任了阿拉伯联合酋长国联邦国民议会的主席，这相当于美国的国会。
《福布斯》杂志北京时间2009年2月13日撰文公布了全球最富有的十大CEO，依据为全球CEO所持公司股票截至2009年1月23日的价值。艾尔·古拉尔(AbdulAzizAlGhurair)以财富价值70亿美元排名第七位。
AbdulAzizAlGhurair,born1954(age54–55),oftheUnitedArabEmirates,istheChiefExecutiveOfficerofthepubliclytradedMashreqBank,thefamily'smostvaluableholding—worthanestimated$8billion.
HeadofMashreqbank,aleadingUnitedArabEmiratescommercialbankfoundedbyhisfatherduringtheGulf'sfirstoilboominthe1960s.Bankprofitsweredownacrosstheregionthisyear,butfamily'sdiverseholdingsinrealestate,cement,contracting,publishing,residentialcareandpetrochemicals,amongothers,hashelpedsoftentheblow.Fooddivision,headedbybrotherEssa,includestheMiddleEast'ssecond-largestflourmillandubiquitousMasafimineralwater.AlGhurairchairstheArabBusinessAngelsNetwork,anorganisationthatseekstomatchangelinvestmentfundingwithstartupsbyArabentrepreneurs.HiswifeisthemajorshareholderinFourSeasonsHealthCareLTD,thelargestprivatehealthcaregroupintheUnitedKingdom.
AbdulAzizAbdullahAzharAlGhurairSpeakeroftheHouse–FederalNationalCouncil,UnitedArabEmiratesChiefExecutiveOfficer–Mashreq
AbdulAzizAlGhurairisSpeakeroftheHouseoftheFederalNationalCouncil(FNC)intheUnitedArabEmirates(theUAEParliament)
AlGhurairisalsotheCEOofMashreqGroup.Hewasappointedtotherolein1990andhassincesteeredthebankintobecomingaworld-classfinancialservicesinstitution.Underhis17-yeartenurethebank’sassetshaverisentoAED70.6billionasofJune2007—a50.3percentincreasefrom2006.
DriventoleadtheUAEbankingindustry,innovativemilestonesincludeMashreqbeingthefirsttolaunchATMmachines;debitandcreditcards;travellers'cheques;consumerloans;PointofSale(POS)terminals;Bancassuranceproducts;mortgages,digitalchipenabledcreditcards;andthewidelypopularMashreqMillionairerewardsbasedsavingsprogramme.
Hisendeavourshaveearnedthebankmanyinternationalaccolades,mostrecentlywinningthe‘BestBankintheUAE’Award2006fromEuromoneymagazineandtheMasterCardProductAwardforMashreqUAEE-GatePrepaidMasterCardcard.
AlGhurairtrainedasanindustrialengineerandgainedanhonoursdegreefromCaliforniaPolytechnicStateUniversity.HejoinedMashreqin1977.Heworkedinvariouscapacitiestill1988andhetookoverresponsibilityforthebank’sinternationaloperations,settingupbranchesinNewYork—USA,London—UK,Bahrain,Qatar,Egypt,IndiaandPakistan.HewasappointedExecutiveDirectorin1989andbecameCEOthefollowingyear.
HeisalsoPresidentoftheAbdullaAlGhurairGroup,oneofthebiggestandmostsuccessfulbusinessgroupsthatemploy65,000peopleandhesitsontheBoardofDirectorsoftheDubaiInternationalFinancialCentre,EmiratesFoundationandDubaiEconomicCouncil.Mr.AlGhurairisamemberoftheGoverningCounciloftheUAEHigherCollegesofTechnologyandisChairmanofMasafi,RAKpetroleumandtheEndowmentFund.HepreviouslysatontheBoardofDirectorsofcompaniessuchasEmaar,DubaiInvestments,VisaInternationalandMasterCardandDubaiChamberofCommerceandIndustry.
AlGhurairisacontinuessupportertomanycharitableorganizationsandinitiativesinthelocalandinternationalarenassuchastheUNICEF,UNISCO,PlanetFinanceandtheUAEDisabledSportsFederation.
AlGhurairwaspartofthehighest-levelofficialdelegationfromtheUnitedArabEmiratesevertovisittheVaticanmetwithPopeBenedictandCardinalBertone,onthe21stOctober2008.HealsohasbeenhonouredwithaspecialLifetimeAchievementAward,attheCEOMiddleEastAwards.#### 艾尔·古拉尔谈经济

阿联酋政府顾问委员会的负责人兼发言人艾尔-古拉尔(AbdulAzizal-Ghurair)在达沃斯表示，阿联酋应该将部分主权财富基金用于重振经济，随着需求的下滑，某些房地产建设项目必须推后。
他还称，政府必须注入更多的流动性来推动经济发展，但得益于资本充足率很高，目前阿联酋银行业的状况良好。
阿联酋是世界上最大型主权财富基金的基地，这个海湾国家为未来的发展储备了大量的石油收入。一些分析师估计，阿布扎比投资局的资产价值约5000亿美元。
古拉尔在参加世界经济论坛时向记者透露：“我们已积聚了3000亿至5000亿美元的巨额储备。我们可以将这些钱投入一些项目。我们应该在什么时候花它们呢？这些钱是为了应对不时之需的。我们必须加以调整，将钱用于经济增长。我们必须对某些项目进行再评估。我们必须推迟房地产方向的项目，现在这方面的需求已不复存在。但是，政府仍在致力于加快基础设施建设。”去年九月以来，阿联酋央行和财政部已共同提供了1200亿迪拉姆(约合326.7亿美元)的紧急融资，帮助银行业应对严峻的信贷环境。
古拉尔还称：“为保持经济发展，我们必须注入更多的流动性。”据《福布斯》杂志的排名，古拉尔家族是世界最富有的家族之一。过去五个月中，随着银行因借贷成本上涨和一些房地产贷款客户可能违约而紧缩银根，阿联酋的新贷款量持续萎缩。阿联酋央行估计，作为阿拉伯世界第二大经济体，阿联酋今年的信贷增长率将降至10%以下，而在截止去年六月的一年中，这一成长率高达50%多。