【正文】 re pulling up the property ladderbehind us.
　　So we will build the houses Britain needs so that more families can have the economic securitythat es with home ownership.
　　And today I will give the Bank of England the powers it needs over mortgages, so that Britainamp。ndash。rsquo。rsquo。rsquo。rsquo。m determined to back aspiration in every way I can, including the aspiration to own yourown home.
　　But Iamp。rsquo。t sit fortably together.
　　For most people, their home is the biggest investment of their lifetime. And, of course, theywant that asset to increase in value over time.
　　But a home is also a place to live and build our lives amp。 instead we are going to act now, and and Gentlemen,
　　Robust financial markets are an important part of building a resilient economy.
　　But tonight, I want to address another market which can create a risk to Britainamp。 many of which are currently entirely unregulated.
　　Based on the Reviewamp。 but of Islamic financetoo.
　　It is with these active steps that together we are making Britain the undisputed centre of theglobal financial system.
　　But all this can so easily be put at risk.
　　By badlyconceived EU rules that only reinforce the case for reform in Europe.
　　By populist proposals for selfdefeating bonus taxes and punitive ine tax rates.
　　And by the potential break up of our nation.
　　Edinburgh is even stronger as a worldrenowned centre for asset management because it ispart of a United Kingdom that is a worldrenowned centre of finance.
　　And let us hope it remains so, for we are better together.
　　We should be candid tonight about another risk.
　　The risk that scandals on our trading floors call into question the integrity of our financialmarkets.
　　People should know that when they trade in London, whether in modities or currencies orfixed ine instruments, that they are trading in markets that are fair and effective.
　　The revelations about the manipulation of LIBOR added further damage to reputation offinancial services, here and abroad.
　　In Britain, thanks to the leadership of Martin Wheatley and Andrew Tyrie, we acted swiftly topunish the wrongdoers and fix the system.
　　Let us not wait for the next wave of scandals in financial markets to hit us before we respond.
　　The integrity of these markets matters to us. London is home to 40% of the global foreignexchange business。s largest insurance firms.
　　And we have been chosen as the location for the International Forum of the worldamp。 and today I will announce further changes to build thatresilient economy for all and the strong, petitive financial services that should contributeto it.
　　Lord Mayor, the City of London has emerged from the wreckage of what went so badly wrong,stronger and better regulated, more international and more responsive to the needs ofcustomers here at home.
　　Our financial exports grew 10% last year, and our surplus in finance and insurance hasreached amp。 I hope it is not my last.
　　For I want to finish the job.
　　Lord Mayor, tonight we are joined by someone attending their first Mansion House dinner.
　　Our Governor of the Bank of England.
　　Mark, we all thank you for the integrity, intelligence and international reach you have broughtto the challenges of the last year.
　　And we look forward to what you have to say.
　　Our 3 new Deputy Governors amp。 you stuck withus and I thank you.
　　But the task is far from plete。ndash。 with Britain on the brink of an economic crisis amp。 and there are many risks to the progress we have made.
　　Abroad, the risks stem from the weak eurozone, unpredictable geopolitics and the slowdownin some emerging markets.
　　At home, our economy is still too unbalanced, so I am the first to say we need to continue ourefforts to boost business investment, exports and housing supply.
　　But the biggest risk es from the tendency in parts of our body politics amp。ndash。pound。rsquo。 45% of overthecounter derivatives trading。rsquo。rsquo。ndash。s housing market.
　　Instead we have the repeated cycle of financial instability driven by high household debt。rsquo。s how.
　　First, we have to be clea