奥巴马英文演讲稿.docx

奥巴马英文演讲稿.docx

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奥巴马英文演讲稿

奥巴马英文演讲稿：

签署金融改革法案

THEPRESIDENT:

Well,goodmorning,everyone.

总统：

大家早上好！

AUDIENCE:

Goodmorning.

听众：

早上好！

THEPRESIDENT:

Wearegatheredintheheartofournation’scapital,

总统：

咱们相聚在国家首都的核心。

surroundedbymemorialstoleadersandcitizenswhoservedournationin

被那些在最先时期和最困难时期为咱们的国家服务的领导人和公民所包围。

itsearliestdaysandinitsdaysofgreatesttrial.TodayissuchatimeforAmerica.今天是如此一个时刻对于美国来讲。

Overthepasttwoyears,wehavefacedtheworstrecessionsincetheGreat

在过去的两年，咱们面对了自大萧条以来最为糟糕的经济衰退。

Depression.Eightmillionpeoplelosttheirjobs.Tensofmillionssaw

八百万人失业。

thevalueoftheirhomesandretirementsavingsplummet.Countless

上万万人眼睁睁的看着自己的屋子和退休储蓄的价值骤然下跌。

businesseshavebeenunabletogettheloanstheyneedandmanyhavebeen

无数的商人已经不能取得他们所需要的贷款，还有很多已经倒闭。

forcedtoshuttheirdoors.Andalthoughtheeconomyisgrowingagain,

虽然经济已有所好转

toomanypeoplearestillfeelingthepainofthedownturn.

仍然有很多人仍饱受经济低迷所带来的痛苦

Now,whileanumberoffactorsledtosuchasevererecession,theprimary

虽然致使如此的经济衰退的因素有很多，

causewasabreakdowninourfinancialsystem.Itwasacrisisbornof

可是最主要的原因是咱们金融系统的崩溃。

afailureofresponsibilityfromcertaincornersofWallStreettothe

它是由于华尔街的某几个角落和华盛顿权利部门的门厅的失职引发的。

hallsofpowerinWashington.Foryears,ourfinancialsectorwas

数年以来，咱们的财政部门

governedbyantiquatedandpoorlyenforcedrulesthatallowedsometo

都被过时的和贫乏的强制性制度所支配，以至于让某些人钻了制度的空子

gamethesystemandtakerisksthatendangeredtheentireeconomy.

铤而走险才破坏了整个经济体制。

Unscrupulouslenderslockedconsumersintocomplexloanswithhidden

无耻的放贷人利用隐藏的费用将消费者锁入复杂的贷款中。

costs.FirmslikeAIGplacedmassive,riskybetswithborrowedmoney.

像AIG如此的公司冒着庞大的风险借入资本

Andwhiletherulesleftabuseandexcessunchecked,theyalsoleft

这种制度不仅留下了额外的未经审查的恶习，他们也将纳税人引入了骗局假设

taxpayersonthehookifabigbankorfinancialinstitutioneverfailed.

一个大的银行或金融组织倒闭。

Now,evenbeforethecrisishit,IwenttoWallStreetandIcalledfor

此刻，乃至是危机到来之前，我去华尔街，总的来讲是呼吁一些常识的改革去保

common-sensereformstoprotectconsumersandoureconomyasawhole.And

护消费者和咱们的经济。

soonaftertakingoffice,Iproposedasetofreformstoempowerconsumers

在我就职后不久，我就提出了一系列改革的办法以授权于消费者和投资者，将

andinvestors,tobringtheshadowydealsthatcausedthiscrisisinto引发危机的处于阴影的交易带入光明。

thelightofday,andtoputastoptotaxpayerbailoutsonceandforall.

一劳永逸的停止对纳税人的紧急救助。

（Applause.）Today,thankstoalotofpeopleinthisroom,thosereforms

（鼓掌）今天，超级感激在做的诸位，这些改革将会成为那个国家的法律。

willbecomethelawoftheland.

Forthelastyear,ChairmenBarneyFrankandChrisDoddhaveworkedday

在过去的一年，BarneyFrank和ChrisDodd日以继夜的工作--（鼓掌）--

andnight--（applause）--BarneyandChrishaveworkeddayandnightto

他们日以继夜的工作以带来那个改革。

bringaboutthisreform.AndIamprofoundlygratefultothem.Iwould

而我则深深的感激他们。

若是不表示我对SenatorHarryReid

beremissifIdidn'talsoexpressmyappreciationtoSenatorHarryReid

andSpeakerNancyPelosi领导才能的感激，我将感到这是对你们的怠慢

andSpeakerNancyPelosifortheirleadership.Itwouldn’thavehappenedwithoutthem.（Applause.）

没有他们，这一切将无法实现。

Passingthisbillwasnoeasytask.Togetthere,wehadtoovercomethe

那个法案的通过不是简单的情形。

为了那个，咱们必需克服一大量利益组织的激

furiouslobbyingofanarrayofpowerfulinterestgroupsandapartisan

烈游说和少数党派对变革的阻挠。

minoritydeterminedtoblockchange.Sothememberswhoareheretoday,

所以，今天在座的列位

bothonthestageandintheaudience,theyhavedoneagreatservicein

无论是在这里的仍是观众，他们花费了很多的时刻和技术来为此尽力

devotingsomuchtimeandexpertisetothiseffort,tolookingoutfor

来留意

thepublicinterestsandnotthespecialinterests.（Applause.）AndI

公众的利益，而不是特殊群体的利益。

（鼓掌）而我也

alsowanttothankthethreeRepublicansenatorswhoputpartisanship

要感激三位共和党参议员，他们抛开党派成见--

aside--（applause）--judgedthisbillonthemerits,andvotedforreform.

（鼓掌）--在长处上评判那个方案，而且为之投票。

We’regratefultothem.（Applause.）AndtheRepublicanHouse

咱们感激他们（鼓掌）和共和党成员

members.（Applause.）Goodtoseeyou,Joe.（Applause.）

（鼓掌）很高兴见到你，Joe。

（鼓掌）

Now,let’sputthisinperspective.Thefactis,thefinancialindustryiscentraltoournation’sabilitytogrow,toprosper,tocompeteandtoinnovate.Therearealotofbanksthatunderstandandfulfillthisvitalrole,andthereareawholelotofbankerswhowanttodoright--anddoright--bytheircustomers.Thisreformwillhelpfosterinnovation,nothamperit.Itisdesignedtomakesurethateverybodyfollowsthesamesetofrules,sothatfirmscompeteonpriceandquality,notontricksandnotontraps.

Itdemandsaccountabilityandresponsibilityfromeveryone.Itprovidescertaintytoeverybody,frombankerstofarmerstobusinessownerstoconsumers.Andunlessyourbusinessmodeldependsoncuttingcornersorbilkingyourcustomers,you’vegotnothingtofearfromreform.（Applause.）

Now,forallthoseAmericanswhoarewonderingwhatWallStreetreformmeansforyou,here’swhatyoucanexpect.Ifyou’veeverappliedforacreditcard,astudentloan,oramortgage,youknowthefeelingofsigningyournametopagesofbarelyunderstandablefineprint.WhatoftenhappensasaresultisthatmanyAmericansarecaughtbyhiddenfeesandpenalties,orsaddledwithloanstheycan’tafford.

That’swhathappenedtoRobinFox,hitwithamassiverateincreaseonhercreditcardbalanceeventhoughshepaidherbillsontime.That’swhathappenedtoAndrewGiordano,whodiscoveredhundredsofdollarsinoverdraftfeesonhisbankstatement–-feeshehadnoideahemightface.Bothareheretoday.Well,withthislaw,unfairratehikes,liketheonethathitRobin,willendforgood.（Applause.）Andwe’llensurethatpeoplelikeAndrewaren’tunwittinglycaughtbyoverdraftfeeswhentheysignupforacheckingaccount.（Applause.）

Withthislaw,we’llcrackdownonabusivepracticesinthemortgageindustry.We’llmakesurethatcontractsaresimpler-–puttinganendtomanyhiddenpenaltiesandfeesincomplexmortgages-–sofolksknowwhatthey’resigning.

Withthislaw,studentswhotakeoutcollegeloanswillbeprovidedclearandconciseinformationabouttheirobligations.

Andwiththislaw,ordinaryinvestors-–likeseniorsandfolkssavingforretirement–-willbeabletoreceivemoreinformationaboutthecostsandrisksofmutualfundsandotherinvestmentproducts,sothattheycanmakebetterfinancialdecisionsastowhatwillworkforthem.

So,alltold,thesereformsrepresentthestrongestconsumerfinancialprotectionsinhistory.（Applause.）Inhistory.Andtheseprotectionswillbeenforcedbyanewconsumerwatchdogwithjustonejob:

lookingoutforpeople-–notbigbanks,notlenders,notinvestmenthouses-–lookingoutforpeopleastheyinteractwiththefinancialsystem.

Andthat’snotjustgoodforconsumers;that’sgoodfortheeconomy.Becausereformwillputastoptoalotofthebadloansthatfueledadebt-basedbubble.Anditwillmeanallcompanieswillhavetoseekcustomersbyofferingbetterproducts,insteadofmoredeceptiveones.

Now,beyondtheconsumerprotectionsI’veoutlined,reformwillalsoreinintheabuseandexcessthatnearlybroughtdownourfinancialsystem.Itwillfinallybringtransparencytothekindsofcomplexandriskytransactionsthathelpedtriggerthefinancialcrisis.ShareholderswillalsohaveagreatersayonthepayofCEOsandotherexecutives,sotheycanrewardsuccessinsteadoffailure.

Andfinally,becauseofthislaw,theAmericanpeoplewillneveragainbeaskedtofootthebillforWallStreet’smistakes.（Applause.）Therewillbenomoretax-fundedbailouts--period.（Applause.）Ifalargefinancialinstitutionshouldeverfail,thisreformgivesustheabilitytowinditdownwithoutendangeringthebroadereconomy.Andtherewillbenewrulestomakeclearthatnofirmissomehowprotectedbecauseitis“toobigtofail,”sowedon’thaveanotherAIG.

That'swhatthisreformwillmean.Now,itdoesn’tmeanourworkisover.Forthesenewrulestobeeffective,regulatorswillhavetobevigilant.Wemayneedtomakeadjustmentsalongthewayasourfinancialsystemadaptstothesenewchangesandchangesaroundtheglobe.Nolawcanforceanybodytoberesponsible;it’sstillincumbentonthoseonWallStreettoheedthelessonsofthiscrisisintermsofhowtheyconducttheirbusinesses.

ThefactiseveryAmerican-–fromMainStreettoWallStreet–-hasastakeinourfinancialsystem.WallStreetbanksandfirmsinvestthecapitalthatmakesitpossibleforstart-upstosellnewproducts.Theyprovideloanstobusinessestoexpandandtohire.Theybackmortgagesforfamiliespurchasinganewhome.That’swhywe’llallstandtogainfromthesereforms.Weallwinwheninvestorsaroundtheworldhaveconfidenceinourmarkets.Weallwinwhenshareholdershavemorepowerandmoreinformation.Weallwinwhenconsumersareprotectedagainstabuse.Andweallwinwhenfolksarerewardedbasedonhowwelltheyperform,nothowwelltheyevadeaccountability.

Intheend,ourfinancialsystemonlyworks–-ourmarketisonlyfree–-whenthereareclearrulesandbasicsafeguardsthatpreventabuse,thatcheckexcess,thatensurethatitismoreprofitabletoplaybytherulesthantogamethesystem.Andthat’swhatthesereformsaredesignedtoachieve--nomore,noless.Becausethat’showwewillensurethatoureconomyworksforconsumers,thatitworksforinvestors,thatitworksforfinancialinstitutions-–thatitworksforallofus.

Thisisthecentrallessonnotonlyofthiscrisisbutofourhistory.Ultimately,there’snodividinglinebetweenMainStreetandWallStreet.Weriseorfalltogetherasonenation.Sothesereformswillhelpliftoureconomyandleadallofustoastronger,moreprosperousfuture.

Andthat’swhyI’msohonoredtosignthe