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1、美国总统奥巴马年度国情咨文（八）Weve all paid the price for lenders who sold mortgages to people who couldnt afford them, and buyers who knew they couldnt afford them. Thats why we need smart regulations to prevent irresponsible behavior. (Applause.) Rules to prevent financial fraud or toxic dumping or faulty medic
2、al devices - these dont destroy the free market. They make the free market work better.由于贷款人向无力偿还抵押贷款的申情人贷款，由于购买方明知负担不起仍勉为其难，我们所有的人已经为此付出了代价。正是因为这个原因，我们需要采取有效的监管制止不负责任的行为。（掌声）防止金融欺诈的规定，禁止倾倒有毒物品或生产劣质医疗设备的条例这些都不会损害自由市场，反而会促使自由市场更好地运作。 Theres no question that some regulations are outdated, unnecessary,
3、 or too costly. In fact, Ive approved fewer regulations in the first three years of my presidency than my Republican predecessor did in his. (Applause.) Ive ordered every federal agency to eliminate rules that dont make sense. Weve already announced over 500 reforms, and just a fraction of them will
4、 save business and citizens more than $10 billion over the next five years. We got rid of one rule from 40 years ago that could have forced some dairy farmers to spend $10,000 a year proving that they could contain a spill - because milk was somehow classified as an oil. With a rule like that, I gue
5、ss it was worth crying over spilled milk. (Laughter and applause.)毫无疑问，有些规章已经过时、并非必需而且代价过高。事实上，我在总统任期内的头3年批准的规章比我的共和党籍前任在同期内所颁行的规章要少。（掌声）我已指令每个联邦机构取消不合理的规章。我们已经宣布实行500多项改革，仅其中的一小部分便能在今后5年为企业和公民节省100多亿美元。我们取消了40多年前制定的一项规定，这项规定导致一些奶牛场可能每年要花10,000美元来证明他们能够控制泄漏因为牛奶不知何故被归为油类。有了这样的规定，我想即使洒了牛奶，也值得大哭一场（cryi
6、ng over spilled milk）。（笑声和掌声） Now, Im confident a farmer can contain a milk spill without a federal agency looking over his shoulder. (Applause.) Absolutely. But I will not back down from making sure an oil company can contain the kind of oil spill we saw in the Gulf two years ago. (Applause.) I wil
7、l not back down from protecting our kids from mercury poisoning, or making sure that our food is safe and our water is clean. I will not go back to the days when health insurance companies had unchecked power to cancel your policy, deny your coverage, or charge women differently than men. (Applause.
8、)而我确信一名牧民有能力处理牛奶泄漏，不需要一个联邦机构插手。（掌声）这是毫无疑问的。但我不会放松对石油公司防止漏油的要求，确保不再发生我们两年前在墨西哥湾看到的漏油事故。（掌声）我不会放松为保护我们的孩子们免受汞中毒危害提出的要求，不会放松我们为保证食品安全和清洁用水提出的要求。我不会回到过去允许医疗保险公司任意取消保单，拒绝承保，对女性收取与男性不同保费的日子。（掌声）And I will not go back to the days when Wall Street was allowed to play by its own set of rules. The new rules w
9、e passed restore what should be any financial systems core purpose: Getting funding to entrepreneurs with the best ideas, and getting loans to responsible families who want to buy a home, or start a business, or send their kids to college.我也不会回到允许华尔街（Wall Street）自行其事的日子。我们已经批准的新规则重新确立了任何一个金融体制都应遵循的核
10、心宗旨：向提出最佳创意的创业者提供资金，向希望买房子、开公司或送子女上大学的负责任的家庭提供贷款。So if you are a big bank or financial institution, youre no longer allowed to make risky bets with your customers deposits. Youre required to write out a “living will” that details exactly how youll pay the bills if you fail - because the rest of us a
11、re not bailing you out ever again. (Applause.) And if youre a mortgage lender or a payday lender or a credit card company, the days of signing people up for products they cant afford with confusing forms and deceptive practices - those days are over. Today, American consumers finally have a watchdog
12、 in Richard Cordray with one job: To look out for them. (Applause.) 因此，如果你是一家大银行或金融机构，你就不能再用客户的存款从事冒险的交易。你必须开出一份详细说明你一旦倒闭将如何偿清款项的“预嘱”（living will）因为我们其他的人不愿再为你们纾困。（掌声）如果你是一家抵押贷款机构或薪金预支行或信用卡公司，利用难懂的表格和欺诈手段导致人们签购他们负担不起的金融产品这样的日子已经一去不复返。今天，美国消费者终于有了由理查德科德雷（Richard Cordray）负责的监管机构，承担保护他们的专门职能。（掌声）Well a
13、lso establish a Financial Crimes Unit of highly trained investigators to crack down on large-scale fraud and protect peoples investments. Some financial firms violate major anti-fraud laws because theres no real penalty for being a repeat offender. Thats bad for consumers, and its bad for the vast m
14、ajority of bankers and financial service professionals who do the right thing. So pass legislation that makes the penalties for fraud count. 我们还将建立一个金融犯罪调查组（Financial Crimes Unit），由训练有素的调查人员组成，打击大规模欺诈活动并保护民众的投资。某些金融公司违反重要的反欺诈法规，因为屡屡违犯者并没有受到实质性惩治。这损害了消费者，也损害了绝大多数遵纪守法的银行及金融服务业专业人员。因此，通过惩治欺诈的立法意义重大。And
15、 tonight, Im asking my Attorney General to create a special unit of federal prosecutors and leading state attorney general to expand our investigations into the abusive lending and packaging of risky mortgages that led to the housing crisis. (Applause.) This new unit will hold accountable those who
16、broke the law, speed assistance to homeowners, and help turn the page on an era of recklessness that hurt so many Americans. 今晚，我要求司法部长成立由联邦检察官和具有主导地位的各州司法部长组成的特别工作组，对导致房产危机的违章借贷与包装风险房贷展开更大规模调查。（掌声）这个工作组将追究违法责任，加快为房主提供帮助，加速结束这个伤害到如此之多美国人的无节制时期。Now, a return to the American values of fair play and shared responsibility will help protect our people and our economy. But it should also guide us as we look to pay down our debt and invest in our future.再次倡导公平合理和共同责任的美国价值观将有利于保护我们的人民和我们的经济，而它也应对我们努力摆脱债务负担和对未来投资具有指导作用。