On Thursday, I paid a visit to a small business in Buffalo, New York, a town that’s been hard hit in recent decades. I heard from folks about the struggles they’ve been facing for longer than they care to remember. And I talked with them about what my administration is doing to help our families, our small businesses, and our economy rebound from this recession.

上周四，我去紐約州的布法羅（Buffalo）市視察了一家小企業(yè)。在近十幾年里，這座小城受到了經(jīng)濟(jì)危機(jī)的嚴(yán)重困擾。我從當(dāng)?shù)厝藗兡抢锏弥?，他們都已?jīng)記不清奮爭(zhēng)了多長(zhǎng)時(shí)間了。我與他們談?wù)摿苏谧龅墓ぷ鳎簬椭彝?，小企業(yè)以及我們的經(jīng)濟(jì)從這次衰退中復(fù)蘇。

Jumpstarting job creation in the private sector and fostering a climate that encourages businesses to hire again is vitally important – and I’ll continue working hard to make sure that happens. But my responsibility as President isn’t just to help our economy rebound from this recession – it’s to make sure an economic crisis like the one that helped trigger this recession never happens again.

推動(dòng)私營(yíng)部門(mén)創(chuàng)造就業(yè)以及培育鼓勵(lì)企業(yè)招聘的大環(huán)境十分重要，而我也將繼續(xù)努力確保這一切的實(shí)現(xiàn)。但我作為總統(tǒng)的職責(zé)并不僅限于幫助我們的經(jīng)濟(jì)從衰退中復(fù)蘇，還有確保引發(fā)這次衰退的經(jīng)濟(jì)危機(jī)不會(huì)再一次發(fā)生。

That’s what Wall Street reform will help us do. In recent weeks, there’s been a lot of back and forth about the reform bill currently making its way through Congress. There’s been a lot of discussion about technical aspects of the bill, and a lot of heated – and frankly, sometimes misleading – rhetoric coming from opponents of reform.

華爾街改革將幫我們實(shí)現(xiàn)這一點(diǎn)。最近幾周以來(lái)，關(guān)于這項(xiàng)改革法案，國(guó)會(huì)進(jìn)行了反反復(fù)復(fù)的討論。其中不乏法案技術(shù)細(xì)節(jié)的討論，還有大量來(lái)自反對(duì)派的激烈而直白的，甚至是誤導(dǎo)性的巧言令色。

All of this has helped obscure what reform would actually mean for you, the American people. So, I just wanted to take a few minutes to talk about why every American has a stake in Wall Street reform.

所有這些模糊了改革對(duì)于美國(guó)人民的意義。因此，我需要花些時(shí)間來(lái)說(shuō)一說(shuō)為什么華爾街改革與每個(gè)美國(guó)人休戚相關(guān)。

First and foremost, you have a stake in it if you’ve ever been treated unfairly by a credit card company, misled by pages and pages of fine print, or ended up paying fees and penalties you’d never heard of before. And you have a stake in it if you’ve ever tried to take out a home loan, a car loan, or a student loan, and been targeted by the predatory practices of unscrupulous lenders.

首先也是最重要的就是，如果你曾被信用卡公司不公對(duì)待，被一頁(yè)又一頁(yè)附則所誤導(dǎo)，抑或是被收取一些從來(lái)沒(méi)有聽(tīng)說(shuō)過(guò)的費(fèi)用和罰金，那么改革就與你休戚相關(guān)。如果你曾為了房貸，車貸抑或是助學(xué)貸款而奔波，卻被肆無(wú)忌憚的放貸人敲了竹杠，那么改革就與你休戚相關(guān)。

The Wall Street reform bill in Congress represents the strongest consumer financial protections in history. You’ll be empowered with the clear and concise information you need to make the choices that are best for you. We’ll help stop predatory practices, and curb unscrupulous lenders, helping secure your family’s financial future.

國(guó)會(huì)正在討論的華爾街改革法案代表了有史以來(lái)最強(qiáng)的消費(fèi)者金融保護(hù)。你將有權(quán)獲得清晰而簡(jiǎn)明的信息來(lái)做出對(duì)自己最有利的選擇。我們將阻止這些敲竹杠的行為，約束肆無(wú)忌憚的放貸人，并幫助你們實(shí)現(xiàn)家庭未來(lái)財(cái)務(wù)狀況的安全。

That’s why families have a stake in it. And our community banks also have a stake in reform. These are banks we count on to provide the capital that lets our small businesses hire and grow.

這就是為什么所有家庭與此休戚相關(guān)的原因。我們的社區(qū)銀行也與此休戚相關(guān)。我們的小企業(yè)依賴這些銀行為其提供資金來(lái)雇傭人員和實(shí)現(xiàn)增長(zhǎng)。

The way the system is currently set up, these banks are at a disadvantage because while they are often playing by the rules, many of their less scrupulous competitors are not. So, what reform will do is help level the playing field by making sure all our lenders – not just community banks – are subject to tough oversight. That’s good news for our community banks, which is why we’ve received letters from some of these banks in support of reform.

在現(xiàn)有的系統(tǒng)里，這些銀行由于經(jīng)常被規(guī)則所玩弄而處于不利地位，而他們那些無(wú)所顧忌的競(jìng)爭(zhēng)對(duì)手卻不受規(guī)則約束。所以，改革需要做的就是創(chuàng)造一個(gè)公平的競(jìng)爭(zhēng)平臺(tái)，確保我們所有的借貸方，不僅僅是社區(qū)銀行，都受到嚴(yán)格的監(jiān)管。這對(duì)于社區(qū)銀行來(lái)說(shuō)是個(gè)好消息，也是我們收到一些這類銀行來(lái)信支持這項(xiàng)改革的原因。

What’s true for our community banks is also true for small businessmen and women like the ones I met in Buffalo. These small businesses were some of the worst victims of the excessive risk-taking on Wall Street that led to this crisis. Their credit dried up. They had to let people go. Some even shut their doors altogether. And unless we put in place real safeguards, we could see it happen all over again.

改革對(duì)于社區(qū)銀行有著現(xiàn)實(shí)的意義，對(duì)于像我在布法羅遇到的小企業(yè)主也有著現(xiàn)實(shí)的意義。這些小企業(yè)是華爾街過(guò)度冒險(xiǎn)所引發(fā)的危機(jī)的最大的犧牲者。他們的信用干涸，不得不裁員節(jié)流，有些甚至不得不關(guān)門(mén)大吉。如果我們不能推出一些切實(shí)的保護(hù)措施，這些將再一次重演。

That’s why Wall Street reform is so important. With reform, we’ll make our financial system more transparent by bringing the kinds of complex, backroom deals that helped trigger this crisis into the light of day. We’ll prevent banks from taking on so much risk that they could collapse and threaten our whole economy. And we’ll give shareholders more of a say on pay to help change the perverse incentives that encouraged reckless risk-taking in the first place. Put simply, Wall Street reform will bring greater security to folks on Main Street.

這就是華爾街改革如此重要的原因。通過(guò)改革，我們將使我們的金融系統(tǒng)更加透明，將引發(fā)這場(chǎng)危機(jī)的各類復(fù)雜的密室交易帶到陽(yáng)光下。我們將阻止銀行冒這么大的險(xiǎn)來(lái)威脅甚至摧毀我們整個(gè)的經(jīng)濟(jì)。我們還將賦予股東在（高管）薪酬上更多發(fā)言權(quán)，這將為第一時(shí)間改變慫恿高管做出不顧后果冒險(xiǎn)的反常激勵(lì)手段帶來(lái)幫助。簡(jiǎn)言之，華爾街改革將為美國(guó)中產(chǎn)階級(jí)帶來(lái)更強(qiáng)的（金融）安全性。

The stories I heard in Buffalo this week were a reminder that, despite the progress we’ve made, we need to keep working hard, so we can build on that progress and rebound from this recession in the short-term. But even as we do, we also need to lay a new foundation for growth and shared prosperity over the long-term.

這周在布法羅聽(tīng)到的情況一直提醒我，盡管我們?nèi)〉昧艘恍┏煽?jī)，但我們需要繼續(xù)努力工作，這樣才能為衰退以來(lái)短期的進(jìn)展和反彈建立基礎(chǔ)。即便如此，我們依然需要為未來(lái)長(zhǎng)遠(yuǎn)的增長(zhǎng)和繁榮打下堅(jiān)實(shí)的基礎(chǔ)。

Next week, we have a chance to help lay a cornerstone in that foundation. The reform bill being debated in the Senate will not solve every problem in our financial system – no bill could. But what this strong bill will do is important, and I urge the Senate to pass it as soon as possible, so we can secure America’s economic future in the 21st century.

下周，我們將有機(jī)會(huì)為這個(gè)基礎(chǔ)打下一枚基石。正在參議員討論的改革法案不會(huì)解決我們金融系統(tǒng)的所有問(wèn)題，任何單一法案都不能。但這項(xiàng)重量級(jí)的法案所能做的是很重要的，我力勸參議院盡快通過(guò)這項(xiàng)法案，這樣我們就能為美國(guó)的經(jīng)濟(jì)前景在21世紀(jì)保駕護(hù)航。