美国总统奥巴马每周电台演讲10.28

译文来自恒星网友: 刘浩男的日志

Hi, everybody. It’s now been four years since a crisis that began on Wall Street spread to Main Street, hammering middle-class families and ultimately costing our economy 9 million jobs.

大家好。现在，从华尔街引发殃及“主大街”（奥巴马用“主大街”暗喻实体经济，主体经济，与华尔街暗喻金融经济对应--译注）的危机已经持续四年了，这场危机打击了我们的中产阶级家庭，最终造成了九百万人失业。

Since then, we’ve fought our way back. Our businesses have added more than 5 million new jobs. The unemployment rate has fallen to the lowest level since I took office. Home values are rising again. And our assembly lines are humming once more.

从那时起，我们一直在为复兴奋斗。我们的企业已经增加了五百多万个就业机会。失业率已经跌到我就任以来的最低点。房价开始回升。我们的生产线再次轰鸣。

And to make sure America never goes through a crisis like that again, we passed tough new Wall Street reform to end taxpayer-funded bailouts for good.

为了保证我国再也不要遭遇这样的危机，我们通过了严厉的华尔街改革法案，这个法案终结了用纳税人的钱来扭转危局的历史。

Wall Street reform also created the first-ever independent consumer watchdog, whose sole job is to look out for you. That means making sure you’ve got all the information you need to make important financial decisions like buying a home or paying for college. And it means going after anyone who tries to take advantage of you, or rip you off.

华尔街改革还历史上破天荒地设立了消费者“看门狗”，他的唯一职责就是为你们保驾护航。这就是保证你们有所有必要的的信息来做诸如买房和交大学学费之类的重大财务决定。跟踪调查任何企图占你便宜或敲你竹杠的人。

Starting this month, that includes the folks who come up with your credit score. If you haven’t checked out your credit score recently, you should. It can have a major impact on your life. It can determine whether or not you qualify for a loan or what kind of interest you have to pay. It can even affect your chances at renting an apartment or getting a job.

从本月起，这还包括了信誉评分赶上了你的人们。如果你还没有核实你最近的的信誉评分，那就核实一下吧。它将对你的生活产生重大影响。它将决定你是否有资格贷款或其它需要你支付利息的金融活动。它甚至还关系到你是否能租到房或找到工作。

But here’s the thing: the companies that put your credit score together can make mistakes. They may think you had a loan or a credit card that was never yours. They may think you were late making payments when you were on time. And when they mess up, you’re the one who suffers.

Until this week, if you had a complaint, you took it to the company. Sometimes they listened. Sometimes they didn’t. But that was pretty much it. They were your only real hope.

但是问题又来了：那些把你的信誉评分汇总起来的公司可能犯错误。他们可能认为你冒用别人的名义贷款了。他们可能认为你没有按期还款而你按期还了。当这些累计起来时，你就倒霉了。

直到本周，如果你有投诉，你只能找那个公司。有时他们可能接待你。有时他们可能不理你。这是大多数情况。他们是你唯一的真正希望。

Not anymore. If you have a complaint about your credit score that hasn’t been properly addressed, you can go to consumerfinance.gov/complaint and let the consumer watchdog know.

这种情况一去不复返了。如果你有关于信誉评分的投诉没有得到合适的处理，你可以访问consumerfinance.gov/complaint网站让消费者“看门狗”知道。

Not only will they bring your complaint directly to the company in question, they’ll give you a tracking number, so you can check back and see exactly what’s being done on your behalf.

他们不仅会把你的投诉直接交给有关公司，还会给你一个跟踪号码，这样你就可以跟踪核实他们是否按你的意愿把事情办了。

And fixing your credit score isn’t the only thing they can help with.

If you’re opening a bank account, trying to get a student loan, or applying for a credit card and something doesn’t seem right, you can let them know and they’ll check it out.

恢复你的信誉评分还不止是他们能帮助你做的。如果你在银行开了账户，打算得到学生贷款，或申请信用卡，发现有些东西不大对劲儿，你可以让他们知道，他们会为你查办。

If you’re looking to buy a home, and you want to know if you’re getting a fair deal on your mortgage, you can give them a call and they’ll get you an answer.

如果你打算买房，想知道你的抵押贷款是否划算，你可以打电话问问他们，他们会给你解答。

Their only mission is to fight for you. And when needed, they’ll take action. For example, alongside other regulators, they recently ordered three big credit card companies to return more than $400 million to folks who were deceived or misled into buying things they didn’t want or didn’t understand.

他们唯一的使命就是为你们奋斗。如果需要，他们就会行动。例如，他们最近联合其他管理部门责成三个最大的信用卡公司返回超过四亿美元给那些他们欺骗或误导买了他们不想买或他们根本不懂的东西的人们。

That’s what Wall Street reform is all about – looking out for working families and making sure that everyone is playing by the same rules. Unfortunately, that hasn’t been enough to stop Republicans in Congress from fighting these reforms. Backed by an army of financial industry lobbyists, they’ve been waging an all-out battle to delay, defund and dismantle these new rules.

华尔街改革大抵如此—为工薪家庭保驾护航并且保证每个人都按同一游戏规则比赛。不幸的是，这还不足以制止共和党国会议员们反对这些改革。他们在一伙金融行业游说者的支持下发动了一次全面战争来拖延、架空或肢解这些新规则。

I refuse to let that happen. I believe that the free market is one of the greatest forces for progress in human history, and that the true engine of job creation in this country is the private sector, not the government.

But I also believe that the free market has never been about taking whatever you want, however you can get it. Alongside our innovative spirit, America only prospers when we meet certain obligations to one another, and when we all play by the same set of rules.

我不会坐视这些发生。我相信自由市场是人类历史进步的最伟大的推动力之一，在我们国家创造就业机会的真正发动机是私营企业板块，不是政府。

但是我也相信自由市场从来就不是谈论你需要什么、如何得到这些。美国的繁荣仅仅是我们带着创新精神，相互承担义务，在同一规则下比赛。

We’ve come too far – and sacrificed too much – to go back to an era of top-down, on-your-own economics. And as long as I’m President, we’re going to keep moving this country forward so that everyone – whether you start a business or punch a clock – can have confidence that if you work hard, you can get ahead.

我们已经走得太远、牺牲得太多了—我们绝不能回到那个自上而下，自给自足的经济时代了。只要我还是你们的总统，我们就将继续推动我们国家前进，这样每个人—不管你开办企业或按时上班—都相信只要你努力工作，就能过好日子。

Thanks and have a great weekend.

谢谢，周末愉快。