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And therefore, we have zero prosecutions, and of course, zero convictions,of any of the elite bank frauds,the Wall Street types,that drove this crisis.
因而，造成這場危機的華爾街頂尖銀行詐騙犯們沒有一個被起訴沒有一個被定罪。
With no expertise coming from the regulators,the FBI formed what it calls a partnership with the Mortgage Bankers Association in 2007.
監(jiān)管機構(gòu)不愿伸出援手，聯(lián)邦調(diào)查局2007年與抵押貸款銀行家協(xié)會攜起手來。
The Mortgage Bankers Association is the trade association of the perps.
抵押貸款銀行家協(xié)會是這些禍首的行業(yè)組織。
And the Mortgage Bankers Association set out, it had the audacity and the success to con the FBI.
抵押貸款銀行家協(xié)會出手了，他們不僅有能力也有動機去欺騙聯(lián)邦調(diào)查局。
It had created a supposed definition of mortgage fraud, in which, guess what its members are always the victim and never the perpetrators.
抵押貸款銀行家協(xié)會為抵押欺詐行為下了個定義，不出所料，按照這個定義，這個協(xié)會的成員都是欺詐行為的受害者沒一個是欺詐行為的加害者。
And the FBI has bought this hook, line, sinker, rod, reel and the boat they rode out in.
聯(lián)邦調(diào)查局不疑有他照單全收。
And so the FBI, under the leadership of an attorney general who is African-American and a president of the United States who is African-American,have adopted the Tea Party definition of the crisis,in which it is the first virgin crisis in history,conceived without sin in the executive ranks.
就這樣，在一個非裔司法部長和一個非裔美國總統(tǒng)的領(lǐng)導(dǎo)之下，聯(lián)邦調(diào)查局完全相信了茶黨對這場危機的說辭，成了破天荒的圣女生子案，高管層人人清白。
And it's those oh-so-clever hairdressers who were able to defraud the poor, pitiful banks,who lack any financial sophistication.
問題出在狡猾的臨時工身上，他們在欺騙窮人，他們在欺騙對金融行業(yè)一無所知的銀行業(yè)者。
It is the silliest story you can conceive of,and so they go and they prosecute the hairdressers,and they leave the banksters alone entirely.
這簡直是最奇葩的謊話，然后他們把臨時工抓起來了，銀行家們毫發(fā)未損。
And so, while lions are roaming the campsite,
就這樣，滿地西瓜
the FBI is chasing mice.
聯(lián)邦調(diào)查局卻在那里撿芝麻。
What do we need to do?
我們該怎么辦？
What can we do in all of this?
面對這一切，我們能做什么？
We need to change the perverse incentive structures that produce these recurrent epidemics of accounting control fraud that are driving our crises.
我們需要改革不正常的激勵機制，正是這種機制在催生一再出現(xiàn)的大面積會計管理欺詐行為，進而導(dǎo)致危機的發(fā)生。
So we have to first get rid of the systemically dangerous institutions.
第一，我們要排除這種具有系統(tǒng)性危險的金融機構(gòu)。
These are the so-called too-big-to-fail institutions.
所謂尾大不掉的金融機構(gòu)。
