介绍:
Wall Street Reform is Working (July 25, 2015)
华尔街改革正在发挥作用(2015年7月25日)
Hi, everybody. It's been seven years since the worst financial crisis in generations spread from Wall Street to Main Street - a crisis that cost millions of Americans their jobs, their homes, their life savings. It was a crisis that cost all of us. It was a reminder that we're in this together - all of us.
大家好.数代以来最严重的金融危机从华尔街蔓延到主干道已经七年了--这场危机让数百万美国人丧失了他们的就业岗位,他们的房产,以及他们的毕生积蓄.这场危机让我们所有人都付出了代价.它提醒人们,我们在共同面对这一切--我们所有人.
That's how we've battled back these past six and a half years - together. We still have work to do, but together, we prevented a second Great Depression. Our businesses have created nearly 13 million jobs over the past 64 months. The housing market is healthier. The stock market has more than doubled, restoring the retirement savings of millions. Americans of all stripes buckled down, rolled up their sleeves, and worked to bring this country back. And to protect your efforts, we had to do something more - we had to make sure this kind of crisis never happens again.
这就是我们在过去的六年半里如何一起努力奋斗--一起.我们仍然有工作要做,但在一起,我们避免了第二次大萧条.在过去的64个月里,我们的经济已经创造了将近1300万的就业岗位.房地产市场更加健康.股市指数已经上涨了一倍有余,数百万人的退休储蓄得以恢复.形形色色的人们回到岗位上,卷起袖子,努力让这个国家归于正常.为了保护你的努力,我们要做更多的事情--我们要确保这样的危机不会再次发生.
That's why five years ago this week, we enacted the toughest Wall Street reform in history - new rules of the road to protect businesses, consumers, and our entire economy from the kind of irresponsibility that threatened all of us. Five years later, here's what that reform has done.
也因此五年前的这个星期,我们实施了史上最严厉的华尔街改革--新的规则之路.保护商家,消费者和我们的整个经济不再受不负责任行为的影响,而这正威胁我们所有人.五年之后,改革已经完成了这些事情.
Wall Street Reform turned the page on the era of "too big to fail." Now, in America, we welcome the pursuit of profit. But if your business fails, we shouldn't have to bail you out. And under the new rules, we won't - the days of taxpayer - funded bailouts are over.
华尔街改革在"太大而不能倒闭"的时代翻开了新的一页.现在,在美国,我们欢迎追逐利润.但如果你的企业倒闭了,我们不应该必须去救你.在新的规则下,我们也将不会--纳税人进行紧急援助的日子一去不复返了.
Wall Street Reform now allows us to crack down on some of the worst types of recklessness that brought our economy to its knees, from big banks making huge, risky bets using borrowed money, to paying executives in a way that rewarded irresponsible behavior.
现在,华尔街改革允许我们制裁一些最恶劣的鲁莽行为.这些行为导致了我们的经济瘫痪.这包括使用借来的资金进行巨大高风险赌注的大银行,也包括通过奖励不负责任行为向高管发放报酬.
Thanks to Wall Street Reform, there's finally an independent Consumer Financial Protection Bureau with one mission: to protect American consumers. Already, they've gone after predatory or unscrupulous mortgage brokers, student lenders, credit card companies, and they've won - putting nearly $11 billion back in the pockets of more than 26 million consumers who've been cheated.
多亏了华尔街改革,最终诞生了仅有一个使命的独立的消费者金融保护局.这就是保护美国的消费者.我们已经追踪掠夺性或不道德的抵押贷款经纪人,提供学生贷款的机构,信用卡公司.他们已经取得了成果--为2600余万被欺骗的消费者挽回将近$110亿的资金.
So this law is working. And we're working to protect even more families. Just this week, we announced that we're cracking down on the worst practices of payday lenders on military bases, so that our troops and their families don't wind up trapped in a vicious cycle of debt. As long as I'm President, I'm going to keep doing whatever I can to protect consumers, and our entire economy from the kind of irresponsibility that led to the Great Recession in the first place.
因此这一法律正在发挥着作用.我们正在致力于保护更多的家庭.就在本周,我们宣布我们正在制裁针对军事基地最恶劣的发薪日放款人.这样我们的军队和他们的家人不会陷入债务的恶性循环.只要我还是总统,我将继续做任何能做的事情,来保护消费者以及我们的整个经济免受不负责任行为的影响.这些行为直接导致了大萧条的发生.
None of this has been easy. We've had to overcome fierce lobbying campaigns from the special interests and their allies in Congress. They're still trying to attack everything this reform accomplishes - they're hiding rollbacks of key protections in unrelated bills, they're blocking the financial cops on the beat from doing their job. And they continue to claim this Wall Street reform is somehow bad for business. Of course, that doesn't explain 13 million new jobs and a stock market near record highs. This law is only bad for business if your business model depends on recklessness that threatens our economy or irresponsibility that threatens working families. We can't put the security of families at risk by returning to the days when big banks or bad actors were allowed to write their own rules. And if any bill comes to my desk that tries to unravel the new rules on Wall Street, I will veto it. We've worked too hard to recover from one crisis just to risk another.
这些都不容易.我们已经战胜来自特殊利益集团和他们在国会里同盟激烈的游说活动.他们仍在竭力攻击这一改革已经完成的事情--他们隐匿对无关费用关键保护的退出,他们阻止金融警察在巡视中执行公务.他们继续批评华尔街改革一定程度上对商业有害.当然,他们没有解释1300万新的就业岗位和有记录以来新高的股市指数.这一法案仅对这样的商家有害,如果你的商业模式依赖于威胁我们经济的鲁莽行为或者危害工薪家庭不负责任的行为.我们不能让工薪家庭的安全处于危险之中,回到大银行或者屡教不改惯犯被允许制定他们自己规则的日子.如果有任何要推翻华尔街新规则的法案来到我的办公桌,我将会否决它.我们已经如此努力地工作从一次危机中恢复,而不能陷入另一次危机.
In America, we should reward drive, innovation, and fair play. That's what reform of Wall Street does. It makes sure everybody plays by the same set of rules. And if we keep moving forward, that's still backward - if we keep building an economy that rewards responsibility instead of recklessness, we won't just keep coming back - we'll come back stronger than ever.
在美国,我们应该奖励创造力,创新和公平竞争.这正是华尔街改革所做的.它确保让每个人都遵循相同的规则.如果我们继续前进,而现在仍有后退迹象--如果我们继续建设一个鼓励负责任而不是鼓励鲁莽行为的经济--那么我们将不仅是回到之前--我们将会比之前更加强大.
Thanks everybody, and have a great weekend.
谢谢大家,周末快乐.
