奥巴马英文演讲稿

时间:2024.3.27

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奥巴马英文演讲稿:签署金融改革法案

THE PRESIDENT: Well, good morning, everyone.

总统:大家早上好!

AUDIENCE: Good morning.

听众:早上好!

THE PRESIDENT: We are gathered in the heart of our nation’s capital, 总统:我们相聚在国家首都的核心。

surrounded by memorials to leaders and citizens who served our nation in 被那些在最早时期和最困难时期为我们的国家服务的领导人和公民所包围。

its earliest days and in its days of greatest trial. Today is such a time for America. 今天是这样一个时刻对于美国来说。

Over the past two years, we have faced the worst recession since the Great 在过去的两年,我们面对了自大萧条以来最为糟糕的经济衰退。

Depression. Eight million people lost their jobs. Tens of millions saw 八百万人失业。

the value of their homes and retirement savings plummet. Countless 上千万人眼睁睁的看着自己的房子和退休储蓄的价值骤然下跌。

businesses have been unable to get the loans they need and many have been 无数的商人已经不能得到他们所需要的贷款,还有很多已经倒闭。

forced to shut their doors. And although the economy is growing again, 尽管经济已有所好转

too many people are still feeling the pain of the downturn.

依然有很多人仍饱受经济低迷所带来的痛苦

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Now, while a number of factors led to such a severe recession, the primary 虽然导致这样的经济衰退的因素有不少,

cause was a breakdown in our financial system. It was a crisis born of 但是最主要的原因是我们金融系统的崩溃。

a failure of responsibility from certain corners of Wall Street to the 它是由于华尔街的某几个角落以及华盛顿权力部门的门厅的失职引起的。 halls of power in Washington. For years, our financial sector was 数年以来,我们的财政部门

governed by antiquated and poorly enforced rules that allowed some to 都被过时的和贫乏的强制性制度所支配,以至于让某些人钻了制度的空子

game the system and take risks that endangered the entire economy. 铤而走险才破坏了整个经济体制。

Unscrupulous lenders locked consumers into complex loans with hidden 无耻的放贷人利用隐藏的费用将消费者锁入复杂的贷款中。

costs. Firms like AIG placed massive, risky bets with borrowed money. 像AIG这样的公司冒着巨大的风险借入资本

And while the rules left abuse and excess unchecked, they also left 这种制度不仅留下了额外的未经审查的恶习,他们也将纳税人引入了圈套假如 taxpayers on the hook if a big bank or financial institution ever failed. 一个大的银行或者金融组织倒闭。

Now, even before the crisis hit, I went to Wall Street and I called for 现在,甚至是危机到来之前,我去华尔街,总的来说是呼吁一些常识的改革去保 common-sense reforms to protect consumers and our economy as a whole. And 护消费者和我们的经济。

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soon after taking office, I proposed a set of reforms to empower consumers 在我就职后不久,我就提出了一系列改革的措施以授权于消费者和投资者,将 and investors, to bring the shadowy deals that caused this crisis into 引起危机的处于阴影的交易带入光明。

the light of day, and to put a stop to taxpayer bailouts once and for all. 一劳永逸的停止对纳税人的紧急救助。

(Applause.) Today, thanks to a lot of people in this room, those reforms (鼓掌) 今天,非常感谢在做的诸位,这些改革将会成为这个国家的法律。 will become the law of the land.

For the last year, Chairmen Barney Frank and Chris Dodd have worked day 在过去的一年,Barney Frank 和 Chris Dodd 日以继夜的工作--(鼓掌)--

and night -- (applause) -- Barney and Chris have worked day and night to 他们日以继夜的工作以带来这个改革。

bring about this reform. And I am profoundly grateful to them. I would 而我则深深的感激他们。如果不表示我对Senator Harry Reid

be remiss if I didn't also express my appreciation to Senator Harry Reid and Speaker Nancy Pelosi领导才能的感激,我将感到这是对你们的怠慢 and Speaker Nancy Pelosi for their leadership. It wouldn’t have happened without them. (Applause.)

没有他们,这一切将无法实现。

Passing this bill was no easy task. To get there, we had to overcome the 这个法案的通过不是简单的事情。为了这个,我们必须克服一大批利益组织的激 furious lobbying of an array of powerful interest groups and a partisan 烈游说和少数党派对变革的阻挠。

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minority determined to block change. So the members who are here today, 所以,今天在座的各位

both on the stage and in the audience, they have done a great service in 不管是在这里的还是观众,他们花费了很多的时间和技术来为此努力

devoting so much time and expertise to this effort, to looking out for 来留心

the public interests and not the special interests. (Applause.) And I 公众的利益,而不是特殊群体的利益。(鼓掌) 而我也

also want to thank the three Republican senators who put partisanship 要感谢三位共和党参议员,他们抛开党派偏见--

aside -- (applause) -- judged this bill on the merits, and voted for reform.

(鼓掌)--在优点上评判这个方案,并且为之投票。

We’re grateful to them. (Applause.) And the Republican House 我们感激他们 (鼓掌) 和共和党成员

members. (Applause.) Good to see you, Joe. (Applause.)

(鼓掌) 很高兴见到你,Joe。(鼓掌)

Now, let’s put this in perspective. The fact is, the financial industry is central to our nation’s 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 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 bankers to farmers to business owners to consumers. And unless your business model depends on cutting corners or

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bilking your customers, you’ve got nothing to fear from reform. (Applause.)

Now, for all those Americans who are wondering what Wall Street reform means for you, here’s what you can expect. If you’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 can’t afford.

That’s what happened to Robin Fox, hit with a massive rate increase on her credit card balance even though she paid her bills on time. That’s 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, with this law, unfair rate hikes, like the one that hit Robin, will end for good. (Applause.) And we’ll ensure that people like Andrew aren’t unwittingly caught by overdraft fees when they sign up for a checking account. (Applause.)

With this law, we’ll crack down on abusive practices in the mortgage industry. We’ll make sure that contracts are simpler -– putting an end to many hidden penalties and fees in complex mortgages -– so folks know what they’re 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 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 strongest consumer financial protections in history. (Applause.) In history. And 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 that’s not just good for consumers; that’s 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.

外语下载中心

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Now, beyond the consumer protections I’ve outlined, 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 pay 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 Street’s 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 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 don’t have another AIG.

That's what this reform will mean. Now, it doesn’t 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; it’s still incumbent on 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 products. They provide loans to businesses to expand and to hire. They back mortgages for families purchasing a new home. That’s why we’ll 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 more 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 that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system. And that’s what these reforms are

designed to achieve -- no more, no less. Because that’s how we will ensure that our economy works for consumers, that it works for investors, that 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. Ultimately, there’s no dividing line between Main Street and Wall Street.

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外语下载中心

We rise or fall together as one nation. So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future. And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day possible. Thank you very much, everybody. (Applause.)

(The bill is signed.) (Applause.)

【相关中文报道】

美国当地时间21日,美国金融监管进入新的时代。美国总统奥巴马正式签署了金融监管改革法案。在过去的一年多的时间里,奥巴马冲破重重阻力,终于使得这项盖着奥巴马烙印的金改法案在国会通过,成为法律。

这份金融改革法案全称《20xx年华尔街改革和消费者保护法》,简称《多德—弗兰克法案》,被认为是20世纪30年代以来美国改革力度最大、影响最深远的金融监管改革。

改革后,将对美国最大型银行征收新的费用,并对其业务活动加以限制;对总额450万亿美元的衍生品市场实施新的限制;并将针对抵押贷款和信用卡产品建立一家新的个人消费者保护机构。

奥巴马在这项立法的签署仪式上表示:“金融改革不光对个人消费者来说是件好事,对美国经济来说也同样是件好事。通过这项法案不是一项容易的任务;为了实现这一目标,我们不得不克服了一系列强有力的利益团体猛烈的游说活动,以及决心阻碍改革的少数党派人士的反对意见。”

这项法案的获批使得奥巴马在控制华尔街金融公司的问题上取得了重大的胜利。 (本段文字来源:经济观察网)

奥巴马英文演讲稿:签署金融改革法案

With this law, we’ll crack down on abusive(辱骂的,滥用的) practices in the mortgage industry. We’ll make sure that contracts are simpler -– putting an end to many hidden penalties and fees in complex mortgages -– so folks know what they’re 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 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 strongest consumer financial protections in history. (Applause.) In history. And these

protections will be enforced by a new consumer watchdog with just one job: looking out for people -– not big banks, not lenders, not

外语下载中心

外语下载中心

investment houses -– looking out for people as they interact with the financial system.

And that’s not just good for consumers; that’s 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(欺诈的,迷惑的) ones.

Now, beyond the consumer protections I’ve outlined, 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 pay 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(负担费用) for Wall Street’s 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 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 don’t have another AIG.

That's what this reform will mean. Now, it doesn’t mean our work is over. For these new rules to be effective, regulators will have to be 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; it’s still incumbent on 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 products. They provide loans to businesses to expand and to hire. They back mortgages for families purchasing a new home. That’s why we’ll 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 more 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(逃避) accountability.

外语下载中心

外语下载中心

In the end, our financial system only works –- our market is only free –- when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system. And that’s what these reforms are designed to achieve -- no more, no less. Because that’s how we will ensure that our economy works for consumers, that it works for investors, that 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. Ultimately, there’s 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 lead all of us to a stronger, more prosperous future.

And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day

possible. Thank you very much, everybody. (Applause.)

(The bill is signed.) (Applause.)

END

11:48 A.M. EDT

(责任编辑:admin)

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