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【美国总统演讲】2015-07-25(双语)

2015-08-06    来源:whitehouse    【      美国外教 在线口语培训

【美国总统演讲】2015-07-25(双语)

WEEKLY ADDRESS: Wall Street Reform is Working
每周电视讲话:华尔街改革初见成效

WASHINGTON, DC — In this week's address, the President spoke to the progress we have made in making our financial system stronger, safer, and more fair in the years since financial crisis. Five years ago this week our country enacted the Dodd-Frank Wall Street Reform and Consumer Protection Act, rules that have substantially reduced recklessness and abuse in our financial system that predated the crisis.  As a result of Wall Street reform, our banks are less reliant on unstable funding and less likely to engage in risky behavior, the independent Consumer Financial Protection Bureau works to protect American consumers, and our financial system is significantly better-regulated.  Dodd-Frank is working, and the President emphasized that he will continue to fight any challenges to the law and veto any effort to unravel the new rules governing Wall Street.
华盛顿:在本周的讲话中,奥巴马总统介绍了金融改革取得的成就,经过金融危机之后的几年改革,金融系统变得更强健、更安全、更公平。五年前的今天,《多德-弗兰克华尔街改革及消费者保护法案》开始实施,该法从根本上减少了金融系统的草率经营和职权滥用,当年正是这种行为导致了这场危机的爆发。《华尔街改革法》的实施,使得银行降低了对不稳定资金的依赖,并减少参与风险较高的经营活动,独立的消费者金融保护局保护了全美消费者的利益,我们的金融系统监管得到了有效改善。《多德-弗兰克法案》初见成效,总统强调,他将继续与挑战该法的行为作斗争,并会否决任何对破坏新的华尔街监管措施的企图。

Hi, everybody.  It’s been seven years since the worst financial crisis in generations spread from Wall Street to Main Street – a crisis that cost millions of Americans their jobs, their homes, their life savings.  It was a crisis that cost all of us.  It was a reminder that we’re in this together – all of us.
大家好!我们此生遭遇的最严重的金融危机已经过去七年了,这场危机从华尔街开始,并影响到全社会,让数百万美国人民失去了工作、家园和毕生的积蓄。这场危机让我们所有人都付出了沉重代价。但同时也让我们记住,我们万众一心,共渡难关。

That’s how we’ve battled back these past six and a half years – together.  We still have work to do, but together, we prevented a second Great Depression.  Our businesses have created nearly 13 million jobs over the past 64 months.  The housing market is healthier.  The stock market has more than doubled, restoring the retirement savings of millions.  Americans of all stripes buckled down, rolled up their sleeves, and worked to bring this country back.  And to protect your efforts, we had to do something more – we had to make sure this kind of crisis never happens again.
这就是我们在过去六年半时间里击退危机的法宝:团结。我们虽然还有大量工作要做,但因为我们团结一致,我们避免陷入另一场大萧条。我们的企业在过去的64个月里新增约1300万个就业岗位。住房市场重新回暖。股票市场市值也翻了一番,让数百万人的养老金有了着落。所有的美国人民都挽起袖子,全力以赴,努力让这个国家重回发展正轨。为了保护大家付出的努力,我们必须要做更多努力,确保这种危机不会再次发生。

That’s why five years ago this week, we enacted the toughest Wall Street reform in history – new rules of the road to protect businesses, consumers, and our entire economy from the kind of irresponsibility that threatened all of us.  Five years later, here’s what that reform has done.
正因如此,五年来,我们首次实施如此严厉的华尔街改革,新的监管措施为保护企业、消费者和整个经济铺平了道路,防止过去那种不负责任的行为威胁民众。五年后的今天,改革取得的成就是丰硕的。

Wall Street Reform turned the page on the era of “too big to fail.”  Now, in America, we welcome the pursuit of profit.  But if your business fails, we shouldn’t have to bail you out.  And under the new rules, we won’t – the days of taxpayer-funded bailouts are over.
《华尔街改革法》宣告了公司“太大而不能倒闭”时代的终结。现在,在美国,我们欢迎大家来经商。但如果你的企业破产了,我们没有义务给你提供援助。在新的监管措施下,我们不会这么做。用纳税人的钱提供援助的时代已经过去了。

Wall Street Reform now allows us to crack down on some of the worst types of recklessness that brought our economy to its knees, from big banks making huge, risky bets using borrowed money, to paying executives in a way that rewarded irresponsible behavior.
《华尔街改革法》让我们可以打击部分极端严重的冒险经营行为,这些行为曾经让我们的经济遭受打击,这些行为包括大型银行用借来的资金进行巨额的、高风险的对赌,对高管的不负责任的行为变相提供奖励。

Thanks to Wall Street Reform, there’s finally an independent Consumer Financial Protection Bureau with one mission: to protect American consumers.  Already, they’ve gone after predatory or unscrupulous mortgage brokers, student lenders, credit card companies, and they’ve won –putting nearly $11 billion back in the pockets of more than 26 million consumers who’ve been cheated.
由于有了《华尔街改革法》,独立的消费者金融保护局最终得以成立,该局的任务只有一个:保护美国的消费者。现在,他们一直在追查贪婪无度的抵押贷款掮客、助学贷款人和信用卡公司,而且取得了成功,该局为曾经遭受欺骗的2600多万名消费者挽回了将近110亿美元的损失。

So this law is working.  And we’re working to protect even more families.  Just this week, we announced that we’re cracking down on the worst practices of payday lenders on military bases, so that our troops and their families don’t wind up trapped in a vicious cycle of debt.  As long as I’m President, I’m going to keep doing whatever I can to protect consumers, and our entire economy from the kind of irresponsibility that led to the Great Recession in the first place.
该法实施初见成效。我们还将继续保护更多家庭。本周,我们宣布要打击军事基地附近的工资日贷款人的恶意经营活动,让我们的军人及其家属不会卷入债台高筑的恶性循环。只要我继续担任总统,我就将继续尽我一切能力来保护消费者,防止各种不负责任的经营行为危害我们的经济,在第一时间避免我们陷入另一场大萧条。

None of this has been easy.  We’ve had to overcome fierce lobbying campaigns from the special interests and their allies in Congress.  In fact, they're still trying everything to attack everything this reform accomplishes—from hiding rollbacks of key protections in unrelated bills, to blocking the financial cops on the beat from doing their job.  And they continue to claim this Wall Street reform is somehow bad for business.  But that doesn’t explain 13 million new jobs and a stock market near record highs.  This law is only bad for business if your business model depends on recklessness that threatens our economy or irresponsibility that threatens working families.  We can’t put the security of families at risk by returning to the days when big banks or bad actors were allowed to write their own rules.  And if any bill comes to my desk that tries to unravel the new rules on Wall Street, I will veto it.  We’ve worked too hard to recover from one crisis only to risk another.
这些事没有一项是容易的。我们经受住了特殊利益集团和他们在国会的盟友猛烈的游说进攻。而且事实上,他们依然还在试图通过各种手段阻止这项改革最终完成,他们通过隐蔽手段阻挠不相关法案的通过,阻止执勤的金融民警办案。而且他们还宣称《华尔街改革法》在某种程度上对企业不利。但这无法解释1300万个新增就业岗位和创下历史新高的股市。该法只是对那些靠欺诈经营危害我们的经济以及不负责任的行径危害我们的工薪家庭的企业不利。我们不能回到过去那种由大银行和无良商家自己制定规则的时代,把家家户户的安宁置于风险之上。如果有任何试图推翻这些华尔街改革措施的新法案提交到我的办公桌上,我一定会否决。我们付出了太多努力,不能刚从一场危机走出来却又走入另一场危机。

In America, we should reward drive, innovation, and fair play.  That’s what Wall Street reform does.  It makes sure everybody plays by the same set of rules.  And if we keep moving forward, not backward – if we keep building an economy that rewards responsibility instead of recklessness, then we won’t just keep coming back – we’ll come back stronger than ever.
在美国,我们应该奖励那些积极努力、不断创新、公平竞争的人们。这正是华尔街改革在做的事情。该法确保每个人都遵从同样的规则。如果我们继续保持前进,毫不退步,如果我们继续奖励负责任的商家,而不是不负责任的商家,我们就能打造出不仅仅是重新回归的经济体,而是更加强大的经济体。

Thanks, and have a great weekend.
谢谢大家!祝周末愉快!

Vocabulary:

predate vt. 在日期上早于(先于)

financial crisis 金融危机

predatory adj. 掠夺的,掠夺成性的;食肉的

unscrupulous adj. 肆无忌惮的;寡廉鲜耻的;不讲道德的

vicious adj. 恶毒的;恶意的;堕落的

(译文来源于译言)



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