評(píng)論
打印
Third, it worries that a single service will create a "single point of failure". Doubling up will make the whole system safer.
第三，它擔(dān)心單一服務(wù)將創(chuàng)造一個(gè)“單點(diǎn)故障”。增倍將使整個(gè)系統(tǒng)更加安全。
Big banks told the Fed, in a recent consultation, not to bother.
在近期的一次咨詢中，大銀行告訴Fed不用擔(dān)心。
Even by considering its own system, it was delaying the adoption of faster payments by more banks.
考慮到它自己的系統(tǒng)，它是在拖延更多銀行采用更快的支付方式。
Randal Quarles, the Fed's vice-chair in charge of supervision, evidently agrees.
Fed負(fù)責(zé)監(jiān)管的副主席蘭德爾·夸爾斯顯然同意。
When the five governors on the Fed's board voted to back FedNow, he was the sole dissenter.
當(dāng)Fed董事會(huì)的5名董事投票支持FedNow時(shí)，他是唯一的反對(duì)者。
He said he saw no "strong justification for the Federal Reserve to…crowd out innovation when viable private-sector alternatives are available."
他表示自己沒有看到“聯(lián)邦儲(chǔ)蓄...排擠創(chuàng)新的充分理由，更何況活躍的私營部門也有可行的替代方案。”
Smaller banks, which for years have been urging the Fed to build a system, are delighted to be promised a choice.
多年來一直渴望Fed建立一個(gè)系統(tǒng)的較小銀行很高興得到了一個(gè)選擇的承諾。
"The private sector has a product but not the reach," says Cary Whaley of the Independent Community Bankers of America, a trade group.
“私營部門有產(chǎn)品，但沒有影響力，”貿(mào)易組織美國獨(dú)立社區(qū)銀行家協(xié)會(huì)的卡里·沃利 表示。
"The public sector has all the reach but not yet the product."
“公共部門擁有足夠的影響力，但還沒有產(chǎn)品。”
(Most of America's 4,900 community banks have assets of less than $1bn; the country's biggest lenders weigh in at $2trn-plus.)
（美國4900家社區(qū)銀行中，多數(shù)資產(chǎn)不足10億美元；該國最大幾家銀行的市值超過2萬億美元。）
Aaron Klein of the Brookings Institution, a think-tank in Washington, argues that the Fed has not gone far enough.
華盛頓智囊團(tuán)布魯金斯學(xué)會(huì)的艾倫·克萊恩辯稱Fed做得還不夠。
Five years is too long to get its new system up and running, he says. Meanwhile, the banks will still be pulling in overdraft fees.
他表示，五年的時(shí)間對(duì)于建立并運(yùn)營新系統(tǒng)而言太長了。與此同時(shí)，銀行仍將收取透支費(fèi)。
He adds that the Fed should also have obliged banks to let customers draw funds as soon as they are deposited.
他補(bǔ)充道，F(xiàn)ed也應(yīng)該有責(zé)成銀行，讓客戶在存款后立即提取資金。
Last month Chris Van Hollen, a Democratic congressman, and Senator Elizabeth Warren,
上個(gè)月，民主黨議員克里斯·范霍倫以及2020民主黨總統(tǒng)候選人之一
one of the Democratic candidates for the presidency in 2020,
參議員伊麗莎白·沃倫
introduced a bill that would amend the Expedited Funds Availability Act of 1987 to force banks to do just that.
提出一項(xiàng)議案，修訂1987年的《加速資金到位法》以迫使銀行這么做。
Time is money, goes the adage. That's even more true for struggling Americans than for rich ones.
俗話說，時(shí)間就是金錢。和富人相比，這對(duì)苦苦掙扎的美國人來說更是如此。
譯文由可可原創(chuàng)，僅供學(xué)習(xí)交流使用，未經(jīng)許可請(qǐng)勿轉(zhuǎn)載。
