【正文】 講稿：簽署金融改革法案THE PRESIDENT: Well, good morning, : Good PRESIDENT: We are gathered in the heart of our nation’s capital, surrounded by memorials to leaders and citizens who served our nation in its earliest days and in its days of greatest is such a time for the past two years, we have faced the worst recession since the Great million people lost their of millions saw the value of their homes and retirement savings businesses have been unable to get the loans they need and many have been forced to shut their although the economy is growing again, too many people are still feeling the pain of the , while a number of factors led to such a severe recession, the primary cause was a breakdown in our financial was a crisis born of a failure of responsibility from certain corners of Wall Street to the halls of power in years, our financial sector was governed by antiquated and poorly enforced rules that allowed some to game the system and take risks that endangered the entire lenders locked consumers into plex loans with hidden like AIG placed massive, risky bets with borrowed while the rules left abuse and excess unchecked, they also left taxpayers on the hook if a big bank or financial institution ever , even before the crisis hit, I went to Wall Street and I called for monsense reforms to protect consumers and our economy as a soon after taking office, I proposed a set of reforms to empower consumers and investors, to bring the shadowy deals that caused this crisis into the light of day, and to put a stop to taxpayer bailouts once and for all.(Applause.)Today, thanks to a lot of people in this room, those reforms will bee the law of the the last year, Chairmen Barney Frank and Chris Dodd have worked day and night(applause)Barney and Chris have worked day and night to bring about this I am profoundly grateful to would be remiss if I didn39。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 , 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 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。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.)【相關中文報道】美國當地時間21日，美國金融監(jiān)管進入新的時代。在過去的一年多的時間里，奧巴馬沖破重重阻力，終于使得這項蓋著奧巴馬烙印的金改法案在國會通過，成為法律。改革后，將對美國最大型銀行征收新的費用，并對其業(yè)務活動加以限制；對總額450萬億美元的衍生品市場實施新的限制；并將針對抵押貸款和信用卡產品建立一家新的個人消費者保護機構。通過這項法案不是一項容易的任務；為了實現這一目標，我們不得不克服了一系列強有力的利益團體猛烈的游說活動，以及決心阻礙改革的少數黨派人士的反對意見。（本段文字來源：經濟觀察網）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。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