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1、奧巴馬英文演講稿:簽署金融改革法案THE PRESIDENT: Well, good morning, everyone.AUDIENCE: Good morning.THE PRESIDENT: We are gathered in the heart of our nations capital, surrounded by memorials to leaders and citizens who served our nation in its earliest days and in its days of greatest trial. Today is such a time f
2、or America.Over the past two years, we have faced the worst recession since the Great Depression. Eight million people lost their jobs. Tens of millions saw the value of their homes and retirement savings plummet. Countless businesses have been unable to get the loans they need and many have been fo
3、rced to shut their doors. And although the economy is growing again, too many people are still feeling the pain of the downturn.Now, while a number of factors led to such a severe recession, the primary cause was a breakdown in our financial system. It was a crisis born of a failure of responsibilit
4、y from certain corners of Wall Street to the halls of power in Washington. For years, our financial sector was governed by antiquated and poorly enforced rules that allowed some to game the system and take risks that endangered the entire economy.Unscrupulous lenders locked consumers into complex lo
5、ans with hidden costs. Firms like AIG placed massive, risky bets with borrowed money. And while the rules left abuse and excess unchecked, they also left taxpayers on the hook if a big bank or financial institution ever failed.Now, even before the crisis hit, I went to Wall Street and I called for c
6、ommon-sense reforms to protect consumers and our economy as a whole. And soon after taking office, I proposed a set of reforms to empower consumers and investors, to bring the shadowy deals that caused this crisis into the light of day, and to put a stop to taxpayer bailouts once and for all. (Appla
7、use. Today, thanks to a lot of people in this room, those reforms will become the law of the land.For the last year, Chairmen Barney Frank and Chris Dodd have worked day and night - (applause - Barney and Chris have worked day and night to bring about this reform. And I am profoundly grateful to the
8、m. I would be remiss if I didn't also express my appreciation to Senator Harry Reid and Speaker Nancy Pelosi for their leadership. It wouldnt have happened without them. (Applause.Passing this bill was no easy task. To get there, we had to overcome the furious lobbying of an array of powerful in
9、terest groups and a partisan minority determined to block change. So the members who are here today, both on the stage and in the audience, they have done a great service in devoting so much time and expertise to this effort, to looking out for the public interests and not the special interests. (Ap
10、plause. And I also want to thank the three Republican senators who put partisanship aside - (applause - judged this bill on the merits, and voted for reform. Were grateful to them. (Applause. And the Republican House members. (Applause. Good to see you, Joe. (Applause.Now, lets put this in perspecti
11、ve. The fact is , the financial industry is central to our nations ability to grow, to prosper, to compete and to innovate. There are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right - and do right - by their customers. This reform
12、 will help foster innovation, not hamper it. It is designed to make sure that everybody follows the same set of rules, so that firms compete on price and quality, not on tricks and not on traps.It demands accountability and responsibility from everyone. It provides certainty to everybody, from banke
13、rs to farmers to business owners to consumers. And unless your business model depends on cutting corners or bilking your customers, youve got nothing to fear from reform. (Applause.Now, for all those Americans who are wondering what Wall Street reform means for you, heres what you can expect. If you
14、ve ever applied for a credit card, a student loan, or a mortgage, you know the feeling of signing your name to pages of barely understandable fine print. What often happens as a result is that many Americans are caught by hidden fees and penalties, or saddled with loans they cant afford.Thats what h
15、appened to Robin Fox, hit with a massive rate increase on her credit card b alance even though she paid her bills on time. Thats what happened to Andrew Giordano, who discovered hundreds of dollars in overdraft fees on his bank statement - fees he had no idea he might face. Both are here today. Well
16、, with this law, unfair rate hikes, like the one that hit Robin, will end for good. (Applause. And well ensure that people like Andrew arent unwittingly caught by overdraft fees when they sign up for a checking account. (Applause.With this law, well crack down on abusive practices in the mortgage in
17、dustry. Well make sure that contracts are simpler - putting an endto many hidden penalties and fees in complex mortgages - so folks know what theyre signing.With this law, students who take out college loans will be provided clear and concise information about their obligations.And with this law, or
18、dinary investors - like seniors and folks saving for retirement - will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.So, all told, these reforms represent the
19、 strongest consumer financial protections in history. (Applause. In history. And theseprotections will be enforced by a new consumer watchdog with just one job: looking out for people - not big banks, not lenders, not investment houses - looking out for people as they interact with the financial sys
20、tem.And thats not just good for consumers; thats good for the economy. Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble. And it will mean all companies will have to seek customers by offering better products, instead of more deceptive ones.Now, beyond the cons
21、umer protections Ive out lined, reform will also rein in the abuse and excess that nearly brought down our financial system. It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis. Shareholders will also have a greater say on the pa
22、y of CEOs and other executives, so they can reward success instead of failure.And finally, because of this law, the American people will never again be asked to foot the bill for Wall Streets mistakes. (Applause. There will be no more tax-funded bailouts - period. (Applause. If a large financial ins
23、titution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy. And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we dont have another AIG.That's what this reform will mean. Now, it
24、 doesnt mean our work is over. For these new rules to be effective, regulators will have to be vigilant. We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe. No law can force anybody to be responsible; its still incumbent on
25、those on Wall Street to heed the lessons of this crisis in terms of how they conduct their businesses.The fact is every American - from Main Street to Wall Street - has a stake in our financial system. Wall Street banks and firms invest the capital that makes it possible for start-ups to sell new pr
26、oducts. They provide loans to businesses to expand and to hire. They back mortgages for families purchasing a new home. Thats why well all stand to gain from these reforms. We all win when investors around the world have confidence in our markets. We all win when shareholders have more power and mor
27、e information. We all win when consumers are protected against abuse. And we all win when folks are rewarded based on how well they perform, not how well they evade accountability.In the end, our financial system only works - our market is only free - when there are clear rules and basic safeguards
28、that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system. And thats what these reforms are designed to achieve - no more, no less. Because thats how we will ensure that our economy works for consumers, that it works for investors, tha
29、t it works for financial institutions - that it works for all of us.This is the central lesson not only of this crisis but of our history. Ultim ately, theres no dividing line between Main Street and Wall Street. We rise or fall together as one nation. So these reforms will help lift our economy and
30、 lead all of us to a stronger, more prosperous future.And thats why Im so honored to sign thesereforms into law, and Im so grateful to everybody who worked so hard to make this day possible. Thank you very much, everybody. (Applause.(The bill is signed. (Applause.【相關(guān)中文報(bào)道】美國當(dāng)?shù)貢r(shí)間 21日,美國金融監(jiān)管進(jìn)入新的時(shí)代。美國總統(tǒng)
31、奧巴馬正式簽署了金融監(jiān)管 改革法案。 在過去的一年多的時(shí)間里, 奧巴馬沖破重重阻力, 終于使得這項(xiàng)蓋著奧巴馬烙印 的金改法案在國會通過,成為法律。這份金融改革法案全稱 2010年華爾街改革和消費(fèi)者保護(hù)法 ,簡稱多德弗蘭克法 案 ,被認(rèn)為是 20世紀(jì) 30年代以來美國改革力度最大、影響最深遠(yuǎn)的金融監(jiān)管改革。改革后,將對美國最大型銀行征收新的費(fèi)用,并對其業(yè)務(wù)活動加以限制;對總額 450萬億美元的衍生品市場實(shí)施新的限制; 并將針對抵押貸款和信用卡產(chǎn)品建立一家新的個人消 費(fèi)者保護(hù)機(jī)構(gòu)。奧巴馬在這項(xiàng)立法的簽署儀式上表示:“金融改革不光對個人消費(fèi)者來說是件好事,對 美國經(jīng)濟(jì)來說也同樣是件好事。 通過這項(xiàng)法
32、案不是一項(xiàng)容易的任務(wù); 為了實(shí)現(xiàn)這一目標(biāo), 我 們不得不克服了一系列強(qiáng)有力的利益團(tuán)體猛烈的游說活動, 以及決心阻礙改革的少數(shù)黨派人 士的反對意見。 ”這項(xiàng)法案的獲批使得奧巴馬在控制華爾街金融公司的問題上取得了重大的勝利。(本段文字來源:經(jīng)濟(jì)觀察網(wǎng)奧巴馬英文演講稿:簽署金融改革法案With this law, well crack down on abusive (辱罵的,濫用的 practices in the mortgage industry. Well make sure that contracts are simpler - putting an end to many hidden
33、 penalties and fees in complex mortgages - so folks know what theyre signing.With this law, students who take out college loans will be provided clear and concise information about their obligations.And with this law, ordinary investors - like seniors and folks saving for retirement - will be able t
34、o receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.So, all told, these reforms represent the strongest consumer financial protections in history. (Applause. In history. And
35、 these protections will be enforced by a new consumer watchdog with just one job: looking out for people - not big banks, not lenders, not investment houses - looking out for people as they interact with the financial system.And thats not just good for consumers; thats good for the economy. Because
36、reform will put a stop to a lot of the bad loans that fueled a debt-based bubble. And it will mean all companies will have to seek customers by offering better products, instead of more deceptive (欺詐的,迷惑的 ones.Now, beyond the consumer protections Ive outlined, reform will also rein in the abuse and
37、excess that nearly brought down our financial system. It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis. Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of f
38、ailure.And finally, because of this law, the American people will never again be asked to foot the bill(負(fù)擔(dān)費(fèi)用 for Wall Streets mistakes. (Applause. There will be no more tax-funded bailouts - period. (Applause. If a large financial institution should ever fail, this reform gives us the ability to win
39、d it down without endangering the broader economy. And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we dont have another AIG.That's what this reform will mean. Now, it doesnt mean our work is over. For these new rules to be effective
40、, regulators will have to be vigilant(警惕的,注意的) vigilant(警惕的,注意的) . We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe. No law can force anybody to be responsible; its still incumbent on those on Wall Street to heed the lesso
41、ns of this crisis in terms of how they conduct their businesses. The fact is every American - from Main Street to Wall Street - has a stake in our financial system. Wall Street banks and firms invest the capital that makes it possible for start-ups to sell new products. They provide loans to businesses to expand and to hire. They back mortgages for families purchasing a new home. Thats why well a
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