This weekend, I’m traveling to Toronto to meet with members of the G20. There, I hope we can build on the progress we made at last year’s G20 summits by coordinating our global financial reform efforts to make sure a crisis like the one from which we are still recovering never happens again. We’ve made great progress toward passing such reform here at home. As I speak, we are on the cusp of enacting the toughest financial reforms since the Great Depression.

本周，我將到多倫多與二十國領(lǐng)導人會面。在那兒，我希望我們能在去年G20峰會的全球金融改革協(xié)作成果基礎(chǔ)上取得進展來確保我們還沒有完全擺脫的危機不會再次重演。在國內(nèi)我們已經(jīng)在這些改革上取得了顯著的成績。此刻，我們正處在將大蕭條以來最艱難的金融改革形成法律的緊要關(guān)頭。

I don’t have to tell you why these reforms are so important. We’re still digging ourselves out of an economic crisis that happened largely because there wasn’t strong enough oversight on Wall Street. We can’t build a strong economy in America over the long-run without ending this status quo, and laying a new foundation for growth and prosperity.

我不必告訴你們這些改革有多重要。我們至今仍未完全擺脫由于沒有針對華爾街的嚴厲監(jiān)管而導致的經(jīng)濟危機的泥淖。在這種狀態(tài)下我們不可能建立起美國長遠的穩(wěn)固的經(jīng)濟基礎(chǔ)來確保未來的增長與繁榮。

That’s what the Wall Street reforms currently making their way through Congress will help us do – reforms that represent 90% of what I proposed when I took up this fight. We’ll put in place the strongest consumer financial protections in American history, and create an independent agency with an independent director and an independent budget to enforce them.

這正是眼下正在國會審議的華爾街改革法案將幫助我們實現(xiàn)的——這些改革體現(xiàn)了我展開這場戰(zhàn)斗之初90%的提議。我們將實施前所未有的最強而有力的消費者金融保護，并建立擁有獨立主管和獨立預(yù)算的獨立機構(gòu)來確保其實現(xiàn)。

Credit card companies will no longer be able to mislead you with pages and pages of fine print. You will no longer be subject to all kinds of hidden fees and penalties, or the predatory practices of unscrupulous lenders.

信用卡公司再也不能用一頁又一頁的附則來誤導你們了。你們再也不用忍受各種各樣的隱性費用和罰款，抑或是無良放貸人敲竹杠的痛苦了。

Instead, we’ll make sure credit card companies and mortgage companies play by the rules.? And you’ll be empowered with easy-to-understand forms, and the clear and concise information you need to make the financial decisions that are best for you and your family.

取而代之的是，我們將確保信用卡公司和抵押貸款公司遵守規(guī)則。你們將獲得簡單易懂的格式合同以及所需的清晰而簡明的信息來幫助你們做出對自己以及自己家庭最為有利的財務(wù)決策。

Wall Street reform will also strengthen our economy in a number of other ways. We’ll make our financial system more transparent by bringing the kinds of complex trades that helped trigger this crisis – trades in a $600 trillion derivatives market – finally into the light of day.

華爾街改革還將在其他許多方面鞏固我們的經(jīng)濟。通過將引發(fā)這場危機的各種復雜交易——600萬億衍生品交易市場——帶到陽光下為我們的金融系統(tǒng)帶來更多的透明性。

We’ll enact what’s called the Volcker Rule to make sure banks protected by a safety net like the FDIC can’t engage in risky trades for their own profit. We’ll create what’s called a resolution authority to help wind down firms whose collapse would threaten our entire financial system. Put simply, we’ll end the days of taxpayer-funded bailouts, and help make sure Main Street is never again held responsible for Wall Street’s mistakes.

我們將制定所謂的“沃爾克法則”來確保銀行受到聯(lián)邦儲蓄保險公司等安全網(wǎng)的保護，不能讓他們?yōu)榱俗约旱睦鎱⑴c風險交易。我們還將正式授權(quán)對破產(chǎn)倒閉會危害到整個金融系統(tǒng)的公司實行有序破產(chǎn)清盤。簡而言之，納稅人出資的緊急援助將一去不復返了，我們將確保大眾不再為華爾街的錯誤負責買單。

Beyond these reforms, we also need to address another piece of unfinished business. We need to impose a fee on the banks that were the biggest beneficiaries of taxpayer assistance at the height of our financial crisis – so we can recover every dime of taxpayer money.

在這些改革之外，我們還要完成另外一項工作。我們需要對銀行征稅，他們是金融危機最嚴重的時候通過納稅人援助最大的受益者——這樣我們才能收回納稅人的每一分錢。

Getting this far on Wall Street reform hasn’t been easy. There are those who’ve fought tooth and nail to preserve the status quo. In recent months, they’ve spent millions of dollars and hired an army of lobbyists to stop reform dead in its tracks.

華爾街改革走到這一步著實不易。有那么一幫人拼命地要保持現(xiàn)狀。最近幾個月來，他們花費數(shù)百萬美元，雇傭大量游說人士要將改革扼殺在搖籃中。

But because we refused to back down, and kept fighting, we now stand on the verge of victory. And I urge Congress to take us over the finish line, and send me a reform bill I can sign into law, so we can empower our people with consumer protections, and help prevent a financial crisis like this from ever happening again.

但是，由于我們拒絕讓步，我們堅持斗爭，我們現(xiàn)在站在了勝利的前沿。因此我強烈要求國會帶領(lǐng)我們越過終點線，將改革法案發(fā)送給我以便簽署生效，這樣我們就能讓我們的人民得到消費者保護權(quán)利，并幫助我們阻止類似金融危機再次發(fā)生。


Notes:
fine print:? 極小的字體；附屬細則；費解的文字

wind down: 逐漸平息；逐漸下降；放松下來
例如：
This year has been frantically busy for us and I need a holiday just to wind down.
今年我們忙得要命--我需要有一段假期放松一下。

聲明：音視頻均來自互聯(lián)網(wǎng)鏈接，僅供學習使用。本網(wǎng)站自身不存儲、控制、修改被鏈接的內(nèi)容。"滬江英語"高度重視知識產(chǎn)權(quán)保護。當如發(fā)現(xiàn)本網(wǎng)站發(fā)布的信息包含有侵犯其著作權(quán)的鏈接內(nèi)容時，請聯(lián)系我們，我們將依法采取措施移除相關(guān)內(nèi)容或屏蔽相關(guān)鏈接。