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And this was a matter first of dogma.
首先，這完全是意識形態在作祟。
They're just horrifically opposed to anything regulatory.
他們反對任何形式的監管措施令人震驚和深惡痛絕。
But it is also the international competition in laxity, the race to the bottom between the United States and the United Kingdom, the city of London, in particular,and the city of London won that race to the bottom, but it meant that all regulation in the West was completely degraded in this stupid competition to be who could have the weakest regulation.
但同時也是國際上放松監管的競爭，力爭下游。這場競爭在美國和英國，確切說是倫敦之間展開，倫敦獲勝，監管最松。這也意味著，從這場看誰的監控最松的愚蠢競爭中可以看出在西方社會監管措施是多么的不受待見。
So that was the regulatory response.
這就是監管層面的反應。
What about the response of the prosecutors after the crisis, after 11 trillion dollars in losses,after 10 million jobs lost,a crisis in which the losses and the frauds were more than 70 times larger than the savings and loan debacle?
這場讓我們損失11萬億1000萬個工作崗位，損失和欺詐規模超過儲貸危機70倍的危機之后，檢調人員又做了些什么呢？
Well, in the savings and loan debacle,our agency that regulated savings and loans, OTS,made over 30,000 criminal referrals,produced over 1,000 felony convictions just in cases designated as major,and that understates the degree of prioritization, because we worked with the FBI to create the list of the top 100 fraud schemes,the absolute worst of the worst, nationwide.
在儲貸危機中，負責儲貸監管的機構-儲蓄管理局提出3萬起刑事訴訟1千人被判以重罪，這還僅是大案要案方面，而且還沒反映問題的嚴重性，因為我們跟聯邦調查局攜手，開列了一個清單，上面是全國范圍內最沒節操最無底線的100種詐騙伎倆。
Roughly 300 savings and loans involved,roughly 600 senior officials.
差不多300個儲貸機構，600個高級官員涉案。
Virtually all of them were prosecuted.
幾乎全被起訴，
We had a 90 percent conviction rate.
定罪率9成。
It's the greatest success against elite white collar criminals ever,and it was because of this understanding of control fraud and the accounting control fraud mechanism.
堪稱針對白領精英犯罪的一場漂亮仗，史無前例，原因無他，我們掌握了管理欺詐及會計管理欺詐的內幕和伎倆。
Flash forward to the current crisis.
再回到當前的這場危機。
The same agency, Office of Thrift Supervision,which was supposed to regulate many of the largest makers of liar's loans in the country,has made, even today it no longer exists, but as of a year ago,it had made zero criminal referrals.
同一個機構-儲蓄管理局，本應該監管全國欺騙性貸款禍首的各大銀行。到今天，什么都沒做，好像一切不曾發生過，一年前，提出的刑事訴訟案件數還是零。
The Office of the Comptroller of the Currency,which is supposed to regulate the largest national banks,has made zero criminal referrals.
負責全國性大銀行監管任務的金融管理局，提出的刑事訴訟案件數同樣為零。
The Fed appears to have made zero criminal referrals.
美聯儲提出的刑事訴訟案件貌似也是零。
The Federal Deposit Insurance Corporation is smart enough to refuse to answer the question.
聯邦存款保險公司更刁鉆，顧左右而言他，根本不回答這個問題。
Without any guidance from the regulators,there's no expertise in the FBI to investigate complex frauds.
沒有監管機構的協助，聯邦調查局在調查復雜的欺詐案件上無能為力。
It isn't simply that they've had to reinvent the wheel of how to do these prosecutions;they've forgotten that the wheel exists.
提出訴訟不是什么難事，不過是舉手之勞，易如反掌。只是他們忘了怎么舉，忘了怎么反。
