評論
打印
Weekly Address: Protecting the Progress We've Made with Wall Street Reform
奧巴馬每周電視演講：維護華爾街改革成果
The White House July 23, 2016
2016 年 7 月 23日白宮
Hi, everybody. I'm here with Senator Elizabeth Warren, one of our strongest advocates for families and consumers like you.
嗨，大家好。我請來的嘉賓是參議員伊麗莎白·沃倫，一位家庭與消費者的得力捍衛(wèi)者。
Today, we want to talk about some of the actions we've taken to protect everything you've worked so hard to build.
今天要談的是，我們?yōu)楸Ｗo你們一切努力成果所采取的一些措施。
Eight years ago, after some big banks made irresponsible and risky bets with your money, we almost slipped into another Great Depression.
八年前，一些大銀行用你們的錢不負(fù)責(zé)任地進行高風(fēng)險豪賭，我們幾乎陷入另一場大蕭條。
While the recklessness started on Wall Street, it didn't take long before it led to real pain for folks on Main Street.
從華爾街魯莽行事開始，沒多久就給大街上人們帶來切膚之痛。
It would cost millions of our fellow Americans their jobs, homes, and savings.
導(dǎo)致數(shù)百萬美國同胞失業(yè)、家庭破裂、儲蓄縮水。
The financial crisis wasn't an unstoppable act of nature.
金融危機并不是一個不可阻擋的自然行為。
The whole thing could have been avoided, but we didn't have the rules in place to stop Wall Street from taking enormous risks that threatened the whole economy.
這場危機本來是可以避免的，但我們沒有這方面的規(guī)則讓華爾街遠(yuǎn)離危害國民經(jīng)濟的巨大風(fēng)險。
We didn't have strong protections to keep consumers from being cheated by tricks and traps on financial contracts.
我們沒有強有力的保護措施， 消費者落入了金融合同欺騙的陷阱。
So when I took office in the darkest days of the crisis, I promised you we wouldn't just recover from crisis
所以在金融危機最黑暗的日子，我一上任，就向你們承諾，不僅要從危機中復(fù)蘇，
we'd rebuild our economy on a new foundation to make sure a crisis like that never happens again.
我們將在一個新的基礎(chǔ)上重建我們的經(jīng)濟，以確保不會再次發(fā)生這樣的危機。
And President Obama delivered.
奧巴馬總統(tǒng)履行了承諾。
He signed into law the toughest Wall Street reforms and strongest consumer protections in generations.Now, trust me - I'm a pretty tough grader.
他簽署了最嚴(yán)厲的華爾街改革法和最強力的消費者保護法。相信我，我是相當(dāng)棒的評判師。
These new rules are making our financial system more transparent, getting rid of a lot of fine print,
這些新規(guī)則使我們的金融體系變得更加透明，擺脫了大量的繁文縟節(jié)，
and making sure that if a bank screws up, you have someone to call so you don't get stuck with the bill.
即使個別銀行出問題，會有電話提醒你，確保資金流不會受阻。
These reforms have already made our financial system safer and more resilient.
這些改革已經(jīng)使我們的金融系統(tǒng)更安全、更具彈性。
And part of passing those strong consumer protections meant establishing the first-ever Consumer Financial Protection Bureau,
通過的消費者保護法部分成果就是首次建立了消費者金融保護局，
based on an idea that Senator Warren came up with before the crisis even began.
這是參議員沃倫在危機開始之前提議的。
Every day, the good people at that independent agency crack down on dishonest and deceptive practices like the ones that helped cause the crash.
每天獨立機構(gòu)人員嚴(yán)格取締不守誠信的欺詐行為， 如一些曾經(jīng)導(dǎo)致客戶傾家蕩產(chǎn)的行為。
The proof is in the more than 27 million consumers who in just five years have gotten refunds and other relief from credit card companies,pay day lenders,
證據(jù)是 2700多萬消費者近五年里獲得退款和其他債務(wù)救濟， 而信用卡公司、發(fā)薪日高利貸、
debt collectors, and others that tried to rip them off.
收債人等試圖以此漁利。
Before the Consumer Financial Protection Bureau, you didn't have a strong ally to turn to if your bank took advantage of you,
在消費者金融保護局設(shè)立前，消費者沒有強大機構(gòu)阻止銀行下套、
or you were being harassed or charged inappropriate fees. Now you do.
騷擾或收取不適當(dāng)?shù)馁M用。現(xiàn)在就不用擔(dān)心了。
The Bureau is also there to help you make better-informed decisions.
消費者金融保護局還幫你做出這方面更明智抉擇。
Before you take out a mortgage, or a loan for college or a new car, check out the agency's website - CFPB.gov.
申請質(zhì)押、貸款上學(xué)或貸款購新車時，請進該局網(wǎng)站：CFPB.gov。
It can help you sift through the confusing but very important details.
它可以幫你審核清楚不放過非常重要的細(xì)節(jié)。
Republicans and big banks who opposed these commonsense rules claimed they'd hurt the economy.
共和黨和大銀行反對這些常識性的規(guī)則，聲稱他們會傷害經(jīng)濟。
But we've seen what happened to the economy when we didn't have these rules in place.
但我們已看到?jīng)]有這些規(guī)則時，經(jīng)濟會是什么樣。
And despite their claims, our economy is stronger today than it was before the crisis.
他們不承認(rèn)我們的經(jīng)濟今天強于危機之前。
Since we dug out from the worst of it, our businesses have added almost 15 million new jobs.
自從我們從低谷中走出來， 美國企業(yè)新增近 1500萬個就業(yè)機會。
Corporate profits are up, lending to businesses is up, and the stock market has hit an all-time high.
企業(yè)利潤上升，企業(yè)貸款增加，股市創(chuàng)歷史新高。
So the idea this was bad for business just doesn't hold water.
因此，經(jīng)濟形勢糟糕的看法完全站不住腳。
Now our task should be making sure we build on those gains, and make sure they're felt by everybody.
現(xiàn)在的任務(wù)應(yīng)該確保我們立足于這些成果之上，并確保每個人都感受到。
But every year, like clockwork, big banks and their Republican allies in Congress try to roll back these protections and try to undermine the consumer watchdog,
但每年像鬧鐘響了一樣， 大銀行與國會共和黨議員試圖推翻這些保護措施，并削弱消費者的守護神，
whose only job is to look out for you.
他們唯一的工作是尋找你。
Their nominee for President promises to dismantle all of it.
他們提名的總統(tǒng)候選人承諾將廢除所有這一切。
Now look,they may have forgotten about the crisis, but working families sure haven't.
現(xiàn)在，看吧，他們可能已忘記了危機，但工薪家庭實在忘不了。
And we haven't either. And that's why we're not going to let them give Wall Street the ability to threaten our economy all over again.
我們也忘不了。為此，我們不會讓華爾街有能力再次威脅美國經(jīng)濟。
Whether you're a Democrat, a Republican, or an independent, if you're a hardworking American who plays by the rules,
無論你是民主黨人、共和黨人、或獨立人士，只要你是勤勞守法的美國人，
you should expect Wall Street to play by the rules, too. That's what we're fighting for.
你應(yīng)該期望華爾街按規(guī)則運行。這就是我們要爭取的。
It's about basic fairness for everyone.
它是人人公平的基礎(chǔ)。
And it's about responsibility from everyone.
它是每個人的責(zé)任。
Thanks to leaders like Senator Warren, our country, our economy, and our families are better off.
由于有參議員沃倫這樣的領(lǐng)袖，我們的國家、我們的經(jīng)濟、我們的家庭才更美好。
Let's keep it that way. And thanks for being here, Elizabeth.
讓我們保持這種狀態(tài)。感謝伊麗莎白來到這里。
Thanks for having me, Mr. President.
謝謝你的邀請，總統(tǒng)先生。
Have a great weekend, everybody.
大家周末愉快！
