奥巴马英文演讲稿:签署金融改革法案(共14页)8800字.docx
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奥巴马英文演讲稿:签署金融改革法案(共14页)8800字.docx
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奥巴马英文演讲稿:
签署金融改革法案
thepresident:
well,goodmorning,everyone.
audience:
goodmorning.
thepresident:
wearegatheredintheheartofournation’scapital,surroundedbymemorialstoleadersandcitizenswhoservedournationinitsearliestdaysandinitsdaysofgreatesttrial.todayissuchatimeforamerica.
overthepasttwoyears,wehavefacedtheworstrecessionsincethegreatdepression.eightmillionpeoplelosttheirjobs.tensofmillionssawthevalueoftheirhomesandretirementsavingsplummet.countlessbusinesseshavebeenunabletogettheloanstheyneedandmanyhavebeenforcedtoshuttheirdoors.andalthoughtheeconomyisgrowingagain,toomanypeoplearestillfeelingthepainofthedownturn.
now,whileanumberoffactorsledtosuchasevererecession,theprimarycausewasabreakdowninourfinancialsystem.itwasacrisisbornofafailureofresponsibilityfromcertaincornersofwallstreettothehallsofpowerinwashington.foryears,ourfinancialsectorwasgovernedbyantiquatedandpoorlyenforcedrulesthatallowedsometogamethesystemandtakerisksthatendangeredtheentireeconomy.unscrupulouslenderslockedconsumersintocomplexloanswithhiddencosts.firmslikeaigplacedmassive,riskybetswithborrowedmoney.andwhiletherulesleftabuseandexcessunchecked,theyalsolefttaxpayersonthehookifabigbankorfinancialinstitutioneverfailed.now,evenbeforethecrisishit,iwenttowallstreetandicalledforcommon-sensereformstoprotectconsumersandoureconomyasawhole.andsoonaftertakingoffice,iproposedasetofreformstoempowerconsumersandinvestors,tobringtheshadowydealsthatcausedthiscrisisintothelightofday,andtoputastoptotaxpayerbailoutsonceandforall.(applause.)today,thankstoalotofpeopleinthisroom,thosereformswillbecomethelawoftheland.
forthelastyear,chairmenbarneyfrankandchrisdoddhaveworkeddayandnight--(applause)--barneyandchrishaveworkeddayandnighttobringaboutthisreform.andiamprofoundlygratefultothem.iwouldberemissifididn'talsoexpressmyappreciationtosenatorharryreidandspeakernancypelosifortheirleadership.itwouldn’thavehappenedwithoutthem.(applause.)
passingthisbillwasnoeasytask.togetthere,wehadtoovercomethefuriouslobbyingofanarrayofpowerfulinterestgroupsandapartisanminoritydeterminedtoblockchange.sothememberswhoareheretoday,bothonthestageandintheaudience,theyhavedoneagreatserviceindevotingsomuchtimeandexpertisetothiseffort,tolookingoutforthepublicinterestsandnotthespecialinterests.(applause.)andialsowanttothankthethreerepublicansenatorswhoputpartisanshipaside--(applause)--judgedthisbillonthemerits,andvotedforreform.we’regratefultothem.(applause.)andtherepublicanhousemembers.(applause.)goodtoseeyou,joe.(applause.)
now,let’sputthisinperspective.thefactis,thefinancialindustryiscentraltoournation’sabilitytogrow,toprosper,tocompeteandtoinnovate.therearealotofbanksthatunderstandandfulfillthisvitalrole,andthereareawholelotofbankerswhowanttodoright--anddoright--bytheircustomers.thisreformwillhelpfoster
innovation,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-–puttinganend
tomanyhiddenpenaltiesandfeesincomplexmortgages-–sofolksknowwhatthey’resigning.
withthislaw,studentswhotakeoutcollegeloanswillbeprovidedclearandconciseinformationabouttheirobligations.
andwiththislaw,ordinaryinvestors-–likeseniorsandfolkssavingforretirement–-willbeabletoreceivemoreinformationaboutthecostsandrisksofmutualfundsandotherinvestmentproducts,sothattheycanmakebetterfinancialdecisionsastowhatwillworkforthem.
so,alltold,thesereformsrepresentthestrongestconsumerfinancialprotectionsinhistory.(applause.)inhistory.andthese
protectionswillbeenforcedbyanewconsumerwatchdogwithjustonejob:
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’msohonoredtosignthesereformsintolaw,andi’msogratefultoeverybodywhoworkedsohardtomakethisdaypossible.thankyouverymuch,everybody.(applause.)
(thebillissigned.)(applause.)
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