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If a healthy banking system is dull, then Australia's must be sick to the core.
如果一個健康的銀行體系是乏味沉悶的話，那么澳大利亞的銀行體系一定是病入膏肓的。
A royal commission with a broad remit to investigate abuses by the country's financial institutions has found many troubling practices.
一皇家專門調查委員會（該委員會有調查胡作非為的國家金融機構的廣泛職能）已經發現了很多令人不安的行為。
Hearings revealed that for years banks had hidden fees, charged money for non-existent services and docked charges from the dead.
聽證會透露，多年來，銀行都在收取隱性費用、對不存在的服務進行收費并從逝者身上扣除費用。
Financial advisers earned bonuses for channelling clients' cash towards underperforming funds.
財務顧問通過將客戶的現金投入表現不佳的基金中賺取獎金。
Insurance companies flogged junk schemes to the poor or mentally disabled.
保險公司把垃圾方案賣給窮人或低能人士。
Australia's four biggest lenders saw their market capitalisation fall by an average of 16.3% while the commission was sitting,
當委員會介入并將他們的總價值降低660億澳元（471億美元）時，
knocking A$66bn ($47.1bn) off their combined value.
澳大利亞的四大貸款方眼看著他們的市場總值平均下降了16.3%。
In April the country's biggest asset manager, AMP,
四月，該國最大的資產經理AMP
sacked its chief executive and chairman after the inquiry heard that it had not only charged customers for advice that was never provided,
解雇了其董事長和主席，此前據調查其不僅對不存在的建議服務向客戶收費
but had lied to the regulators about it.
還向監管者撒謊。
On February 4th Kenneth Hayne, the judge who led the inquiry, handed his final report to the government.
2月4日，主持該調查的法官肯尼斯·海恩將他的最終報告交給了政府。
Heads have rolled: the chairman and chief executive of National Australia Bank, which Mr Hayne singled out for particular criticism, have resigned.
已經有人受到了懲罰：澳大利亞國家銀行的主席和CEO（海恩將該銀行挑出來著重批評）已經辭職了。
The commissioner has asked regulators to investigate 24 possible breaches of civil or criminal law.
委員已經要求監管者調查24項可能違反民事或刑法的問題。
Mr Hayne expressed particular disgust at those who gouged fees without providing services.
海恩對那些不提供服務卻收取費用的人特別反感。
Almost A$1bn has already been paid in compensation to the victims.
受害者已經得到了近10億澳元的賠償。
Offenders may have broken a law against "dishonest conduct in relation to a financial product or financial service".
犯罪者可能違法了法律，“在金融產品或金融服務中存在不誠實行為”。
The report said the Australian Securities and Investments Commission (ASIC), the corporate regulator,
報告稱企業監管機構，澳大利亞證券和投資委員會（ASIC）
should consider the maximum penalties: large fines, or up to ten years in prison for individuals.
應該考慮最高處分：巨額罰款或是高到十年的有期徒刑。
Thus Australia, a country widely regarded as having had a "good" financial crisis, with a stable, profitable banking system,
澳大利亞銀行體系穩定有利，被普遍認為是一個曾擁有“優良”金融危機的國家，
may become one of the few places where bankers are jailed for institutional wrongdoing.
而現在澳大利亞可能成為了幾個銀行家因機構不當行為而被判入獄的國家之一。
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