The U.S. Congress is drafting legislation to overhaul financial regulation in the wake of the U.S. banking crisis. Lawmakers are considering establishing a regulatory body to monitor threats to the financial system. The issue was the focus of a Senate hearing Thursday.

 

为了应对金融危机,美国国会计划通过立法全面改革金融监管体制。议员们正在考虑设立一个监管机构,以便及时掌握金融系统面临的威胁。

A U.S. government report released this week found that financial regulatory agencies failed to assess risks across the financial system and ignored warning signs before the economic crisis began.

 

美国政府报告说,在本轮经济危机爆发之前,金融监管机构没能准确评估整个金融体系面临的风险,同时忽视了很多预警信号。

The report by the General Accountability Office and requested by Democratic Senator Jack Reed of Rhode Island said that in some cases regulators relied too frequently on financial firms' assessments of their own financial health.

 

美国国会下设的政府问责办公室(GAO)在罗德岛州民主党籍参议员杰克.里德的要求下撰写了这份报告。报告指出,在一些情况下,监管者过多依赖金融公司对其业务状况的自我评估。

Lawmakers are considering establishing a regulatory agency to monitor and manage risk at banks and securities firms, or expanding the authority of one existing agency - perhaps the Federal Reserve or the Federal Deposit Insurance Corporation - to provide the oversight.

 

一些议员正在考虑增设一个监管机构负责跟踪和管理银行和券商的风险,或者扩大一个现有机构的授权,比如让美联储或联邦存款保险公司来行使这一职能。

In testimony to the Senate Banking Committee, Federal Reserve Governor Daniel Tarullo agreed that a comprehensive approach is necessary.

 

在参议院银行委员会举行的听证会上,美联储理事丹尼尔.塔鲁罗同意,全面改革是必要的。

"We do need effective consolidated supervision of any systemically important institution," said Daniel Tarullo.

 

他说:“对于任何具有系统重要性的金融机构,我们确实需要有效的集中监管。”

Tarullo argued that the Federal Reserve should have a role in addressing systemic risks to the financial system.

 

塔鲁罗说,美联储应该在处理金融系统性风险方面拥有发言权。

But the chairman of the Federal Deposit Insurance Corporation, Sheila Bair, suggested a new regulatory body should be modeled after her agency.

 

不过,联邦存款保险公司主席贝尔女士建议依照联邦存款保险公司的模式设立一个新的监管机构。

"The resolution entity should have the kinds of powers the FDIC has to deal with such things as executive compensation," said Sheila Bair. "When we take over a bank we have the power to hire and fire. We typically get rid of the top executives and the managers who caused the problem. We can terminate compensation agreements, including bonuses. We do whatever it takes to hold down costs."

 

她说:“这个机构在处理高管薪酬等方面应该拥有和联邦存款保险公司类似的权限。比如,我们在接管一家银行后,有权雇人和解雇。通常,我们会解雇高级总裁和经理这些始作俑者。我们可以终止包括奖金红利在内的薪酬协议。我们采取所有必要措施削减成本。”

The chairman of the Senate Banking Committee, Democratic Senator Chris Dodd, suggested that was a good idea.

 

参议院银行委员会主席多德说,这是个不错的建议。

"I wonder whether it wouldn't make more sense to give authority to resolve failing and systemically important institutions to the agency with actual experience in the area, the FDIC," said Senator Dodd.

 

他说:“我在想,如果把处理业绩不佳和具有系统重要性金融机构的授权交给一个已经在这方面有经验的机构,比如联邦存款保险公司,是不是会更合理?”

President Barack Obama Wednesday said his administration would soon announce new financial industry oversight that would include an authority that would protect creditors, depositors and consumers.

 

奥巴马总统表示,他的政府将很快宣布新的金融监管计划。他说,新方案将括一个保护债权人、储户、以及消费者权益的机构。