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They also boosted risky mortgage lending, since brokers' earnings were linked to the size of the loans they sold.
他們還宣傳存在風險的抵押貸款，因為經理人的收入和他們銷售的貸款額度相掛鉤。
Financial regulators were lax, negotiating minimal fines for those who broke the rules rather than taking them to court.
金融監管松散，金融監管者會和那些破壞規則的人協商最低罰款，而不是將他們送上法庭。
Sanctions were often "immaterial", the report stated. In the decade to June,
該報告稱處罰經常是“非實質性的”。截止至6月的10年中，
the infringement notices (a kind of fine) issued to large banks by the Australian Securities and Investments Commission, the conduct regulator, came to less than A$1.3m.
執行監管部門，澳大利亞證券和投資委員會發給大型銀行的違法通知總計不足130萬澳元。
The institution hit hardest by scandal has been AMP, a wealth manager, which not only charged for non-existent services but then lied to the regulators about it.
受丑聞重創的公司是一家財富管理公司AMP，這家公司不僅對不存在的服務收費，還對監管者撒謊。
It has lost its chief executive, chairman and half its board. AMP and the four biggest banks have agreed to repay A$216m charged for services they never provided.
該公司損失了其董事長、主席以及董事會的半數人。AMP和四家最大銀行已經同意償還對未提供服務征收的2.16億澳元。
Financial institutions are now scrambling to prepare for the inquiry's final recommendations, due in February.
金融機構現在爭先恐后地為調查的最終建議做準備，日期定于2月。
They have tightened home-loan assessments, and some have said they will sell their wealth-management businesses. More than that may be needed.
他們加緊了對住房貸款的評估，一些銀行還表示他們將賣掉自己的財務管理交易。需要做的不僅僅只是這些。
The commission may call for statutory separation of lending and financial advice, and for an overhaul of bonuses.
委員會或許會要求對借貸和理財建議進行法定分離，并要求對紅利進行徹查。
It seems likely to demand better enforcement, rather than new laws (there are plenty already).
似乎可能會要求更好的執行而非新的法律（已經有夠多的法律規定了）。
The conservative coalition government, which had at first opposed the inquiry, has allocated more money to the regulators.
起初反對調查的保守聯合政府向監管者分配了更多資金。
It says a recently appointed counsel will improve the chance that misconduct will be punished in court. Yet the regulators' reputation has been damaged.
其表示近期任命的法律顧問將提高錯誤行為在法庭上受到處罰的機會。但監管者的口碑已經受損。
Allan Fels, the former chairman of the Australian Competition and Consumer Commission, thinks his old employer should be given greater power to step in.
澳大利亞競爭和消費者委員會前主席艾倫·菲爾斯認為他的老員工應該被賦予更多介入此事件的權利。
Others call for an entirely new regulator.
其他人則要求采用全新的監管者。
The commission looks unlikely to be able to wrap everything up before the final report is due.
最終報告達成前，委員會似乎不可能圓滿完成任務。
Mr Fels suggests that unfinished business could be turned over to other review boards.
菲爾斯建議未完成的交易可以移交給其他審查委員會。
Or the inquiry could be extended—an idea favoured by the Labor Party, which is on course to win an election due next year.
或者該調查可以被延期—工黨支持該想法，他們正忙于獲得明年的選舉。
Either way, the banks stand exposed to potentially huge regulatory penalties and to consumer lawsuits.
不管以上哪一種方法，銀行都將暴露于潛在的監管處罰和消費者的訴訟。
The days since the interim report was published have seen billions of dollars wiped from their market capitalisation.
自中期報告發布以來的這些天，他們的市場總值已消失數百萬美元。
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