【正文】 ork is these new rules to be effective, regulators will have to be may need to make adjustments along the way as our financial system adapts to these new changes and changes around the law can force anybody to be responsible。it’s still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their fact is every American– from Main Street to Wall Street –has a stake in our financial Street banks and firms invest the capital that makes it possible for startups to sell new provide loans to businesses to expand and to back mortgages for families purchasing a new ’s why we’ll all stand to gain from these all win when investors around the world have confidence in our all win when shareholders have more power and more all win when consumers are protected against we all win when folks are rewarded based on how well they perform, not how well they evade the end, our financial system only works –our market is only free –when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the that’s what these reforms are designed to achieveno more, no that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions– that it works for all of is the central lesson not only of this crisis but of our , there’s no dividing line between Main Street and Wall rise or fall together as one these reforms will help lift our economy and lead all of us to a stronger, more prosperous that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day you very much, everybody.(Applause.)(The bill is signed.)(Applause.)【相關(guān)中文報(bào)道】美國(guó)當(dāng)?shù)貢r(shí)間21日，美國(guó)金融監(jiān)管進(jìn)入新的時(shí)代。美國(guó)總統(tǒng)奧巴馬正式簽署了金融監(jiān)管改革法案。在過(guò)去的一年多的時(shí)間里，奧巴馬沖破重重阻力，終于使得這項(xiàng)蓋著奧巴馬烙印的金改法案在國(guó)會(huì)通過(guò)，成為法律。這份金融改革法案全稱《2010年華爾街改革和消費(fèi)者保護(hù)法》，簡(jiǎn)稱《多德—弗蘭克法案》，被認(rèn)為是20世紀(jì)30年代以來(lái)美國(guó)改革力度最大、影響最深遠(yuǎn)的金融監(jiān)管改革。改革后，將對(duì)美國(guó)最大型銀行征收新的費(fèi)用，并對(duì)其業(yè)務(wù)活動(dòng)加以限制；對(duì)總額450萬(wàn)億美元的衍生品市場(chǎng)實(shí)施新的限制；并將針對(duì)抵押貸款和信用卡產(chǎn)品建立一家新的個(gè)人消費(fèi)者保護(hù)機(jī)構(gòu)。奧巴馬在這項(xiàng)立法的簽署儀式上表示：“金融改革不光對(duì)個(gè)人消費(fèi)者來(lái)說(shuō)是件好事，對(duì)美國(guó)經(jīng)濟(jì)來(lái)說(shuō)也同樣是件好事。通過(guò)這項(xiàng)法案不是一項(xiàng)容易的任務(wù)；為了實(shí)現(xiàn)這一目標(biāo)，我們不得不克服了一系列強(qiáng)有力的利益團(tuán)體猛烈的游說(shuō)活動(dòng)，以及決心阻礙改革的少數(shù)黨派人士的反對(duì)意見(jiàn)?！边@項(xiàng)法案的獲批使得奧巴馬在控制華爾街金融公司的問(wèn)題上取得了重大的勝利。（本段文字來(lái)源：經(jīng)濟(jì)觀察網(wǎng)）奧巴馬英文演講稿：簽署金融改革法案With this law, we’ll crack down on abusive（辱罵的，濫用的）practices in the mortgage ’ll make sure that contracts are simpler– putting an end to many hidden penalties and fees in plex mortgages– so folks know what they’re this law, students who take out college loans will be provided clear and concise information about their with this law, ordinary investors– like seniors and folks saving for retirement –will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for , all told, these reforms represent the strongest consumer financial protections in history.(Applause.)In these protections will be enforced by a new consumer watchdog with just one job: looking out for people– not big banks, not lenders, not investment houses– looking out for people as they interact with the financial that’s not just good for consumers。that’s good for the reform will put a stop to a lot of the bad loans that fueled a debtbased it will mean all panies will have to seek customers by offering better products, instead of more deceptive（欺詐的，迷惑的）, beyond the consumer protections I’ve outlined, reform will also rein in the abuse and excess that nearly brought down our financial will finally bring transparency to the kinds of plex and risky transactions that helped trigger the financial will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of finally, because of this law, the American people will never again be asked to foot the bill（負(fù)擔(dān)費(fèi)用）for Wall Street’s mistakes.(Applause.)There will be no more taxfunded bailoutsperiod.(Applause.)If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we don’t have another 39。s what this reform will , it doesn’t mean our work is these new rules to be effective, regulators will have to be vigilant（警惕的，注意的）.We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the law can force anybody to be responsible。it’s still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their fact is every American– from Main Street to Wall Street –has a stake in our financial Street banks and firms invest the capital that makes it possible for startups to sell new provide loans to businesses to expand and to back mortgages for families purchasing a new ’s why we’ll all stand to gain from these all win when investors around the world have confidence in our all win when shareholders have more power and more all win when consumers are protected against we all win when folks are rewarded based on how well they perform, not how well they evade（逃避） the end, our financial system only works –our market is only free –when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the that’s what these reforms are designed to achieveno more, no that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions– that it works for all of is the central lesson not only of this crisis but of our , there’s no dividing line between Main Street and Wall rise or fall together as one these reforms will help lift our economy and lead all of us to a stronger, more prosperous that’s why I’m so honored to sign these reforms into law, and I’m so g