奥巴马英文演讲稿.docx

1、奥巴马英文演讲稿奥巴马英文演讲稿：签署金融改革法案THE PRESIDENT: Well, good morning, everyone.总统：大家早上好！AUDIENCE: Good morning.听众：早上好！THE PRESIDENT: We are gathered in the heart of our nations capital, 总统：咱们相聚在国家首都的核心。surrounded by memorials to leaders and citizens who served our nation in 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。it

2、s earliest days and in its days of greatest trial. Today is such a time for America. 今天是如此一个时刻对于美国来讲。Over the past two years, we have faced the worst recession since the Great 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. Eight million people lost their jobs. Tens of millions saw 八百万人失业。the value of their

3、 homes and retirement savings plummet. 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。businesses have been unable to get the loans they need and many have been 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。forced to shut their doors. And although the economy is growing again, 虽然经济已有所好转too many people are still feeling the pa

4、in of the downturn.仍然有很多人仍饱受经济低迷所带来的痛苦Now, while a number of factors led to such a severe recession, the primary 虽然致使如此的经济衰退的因素有很多，cause was a breakdown in our financial system. It was a crisis born of 可是最主要的原因是咱们金融系统的崩溃。a failure of responsibility from certain corners of Wall Street to the 它是由于华尔街的

5、某几个角落和华盛顿权利部门的门厅的失职引发的。halls of power in Washington. For years, our financial sector was数年以来，咱们的财政部门 governed by antiquated and poorly enforced rules that allowed some to 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game the system and take risks that endangered the entire economy. 铤而走险才破坏了整个经济体制。Unscrupulous le

6、nders locked consumers into complex loans with hidden 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. Firms like AIG placed massive, risky bets with borrowed money.像AIG如此的公司冒着庞大的风险借入资本And while the rules left abuse and excess unchecked, they also left 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taxpayers on the hook if a bi

7、g bank or financial institution ever failed. 一个大的银行或金融组织倒闭。Now, even before the crisis hit, I went to Wall Street and I called for 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-sense reforms to protect consumers and our economy as a whole. And 护消费者和咱们的经济。soon after taking office, I proposed a set of ref

8、orms to empower consumers 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and investors, to bring the shadowy deals that caused this crisis into 引发危机的处于阴影的交易带入光明。the light of day, and to put a stop to taxpayer bailouts once and for all.一劳永逸的停止对纳税人的紧急救助。(Applause.) Today, thanks to a lot of people in this room, th

9、ose reforms （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。will become the law of the land. For the last year, Chairmen Barney Frank and Chris Dodd have worked day 在过去的一年，Barney Frank 和 Chris Dodd 日以继夜的工作-（鼓掌）-and night - (applause) - Barney and Chris have worked day and night to 他们日以继夜的工作以带来那个改革。bring about thi

10、s reform. And I am profoundly grateful to them. I would 而我则深深的感激他们。若是不表示我对Senator Harry Reid be remiss if I didnt also express my appreciation to Senator Harry Reid and Speaker Nancy Pelosi领导才能的感激，我将感到这是对你们的怠慢and Speaker Nancy Pelosi for their leadership. It wouldnt have happened without them. (Appl

11、ause.)没有他们，这一切将无法实现。Passing this bill was no easy task. To get there, we had to overcome the 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furious lobbying of an array of powerful interest groups and a partisan 烈游说和少数党派对变革的阻挠。minority determined to block change. So the members who are here today, 所以，今天在座的列位bot

12、h on the stage and in the audience, they have done a great service in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 devoting so much time and expertise to this effort, to looking out for 来留意the public interests and not the special interests. (Applause.) And I 公众的利益，而不是特殊群体的利益。（鼓掌） 而我也also want to thank the three Re

13、publican senators who put partisanship 要感激三位共和党参议员，他们抛开党派成见-aside - (applause) - judged this bill on the merits, and voted for reform. （鼓掌）-在长处上评判那个方案，而且为之投票。Were grateful to them. (Applause.) And the Republican House 咱们感激他们 （鼓掌） 和共和党成员members. (Applause.) Good to see you, Joe. (Applause.) （鼓掌） 很高兴见

14、到你，Joe。（鼓掌）Now, lets put this in perspective. The fact is, the financial industry is central to our nations ability to grow, to prosper, to compete and to innovate. There are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right - and d

15、o right - by their customers. This reform will help foster innovation, not hamper it. It is designed to make sure that everybody follows the same set of rules, so that firms compete on price and quality, not on tricks and not on traps.It demands accountability and responsibility from everyone. It pr

16、ovides certainty to everybody, from bankers to farmers to business owners to consumers. And unless your business model depends on cutting corners or bilking your customers, youve got nothing to fear from reform. (Applause.) Now, for all those Americans who are wondering what Wall Street reform means

17、 for you, heres what you can expect. If youve ever applied for a credit card, a student loan, or a mortgage, you know the feeling of signing your name to pages of barely understandable fine print. What often happens as a result is that many Americans are caught by hidden fees and penalties, or saddl

18、ed with loans they cant afford. Thats what happened to Robin Fox, hit with a massive rate increase on her credit card balance even though she paid her bills on time. Thats what happened to Andrew Giordano, who discovered hundreds of dollars in overdraft fees on his bank statement - fees he had no id

19、ea he might face. Both are here today. Well, with this law, unfair rate hikes, like the one that hit Robin, will end for good. (Applause.) And well ensure that people like Andrew arent unwittingly caught by overdraft fees when they sign up for a checking account. (Applause.) With this law, well crac

20、k down on abusive practices in the mortgage industry. Well make sure that contracts are simpler - putting an end to many hidden penalties and fees in complex mortgages - so folks know what theyre signing. With this law, students who take out college loans will be provided clear and concise informati

21、on about their obligations. And with this law, ordinary investors - like seniors and folks saving for retirement - will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work f

22、or them. So, all told, these reforms represent the strongest consumer financial protections in history. (Applause.) In history. And these protections will be enforced by a new consumer watchdog with just one job: looking out for people - not big banks, not lenders, not investment houses - looking ou

23、t for people as they interact with the financial system.And thats not just good for consumers; thats good for the economy. Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble. And it will mean all companies will have to seek customers by offering better products,

24、 instead of more deceptive ones.Now, beyond the consumer protections Ive outlined, reform will also rein in the abuse and excess that nearly brought down our financial system. It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis.

25、Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of failure.And finally, because of this law, the American people will never again be asked to foot the bill for Wall Streets mistakes. (Applause.) There will be no more tax-funded ba

26、ilouts - period. (Applause.) If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy. And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we dont have anoth

27、er AIG. Thats what this reform will mean. Now, it doesnt mean our work is over. For these new rules to be effective, regulators will have to be vigilant. We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe. No law can force a

28、nybody to be responsible; its still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their businesses.The fact is every American - from Main Street to Wall Street - has a stake in our financial system. Wall Street banks and firms invest the capital th

29、at makes it possible for start-ups to sell new products. They provide loans to businesses to expand and to hire. They back mortgages for families purchasing a new home. Thats why well all stand to gain from these reforms. We all win when investors around the world have confidence in our markets. We

30、all win when shareholders have more power and more information. We all win when consumers are protected against abuse. And we all win when folks are rewarded based on how well they perform, not how well they evade accountability. In the end, our financial system only works - our market is only free

31、- when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system. And thats what these reforms are designed to achieve - no more, no less. Because thats how we will ensure that our economy wor

32、ks for consumers, that it works for investors, that it works for financial institutions - that it works for all of us. This is the central lesson not only of this crisis but of our history. Ultimately, theres no dividing line between Main Street and Wall Street. We rise or fall together as one nation. So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future. And thats why Im so honored to sign the