VOA双语新闻：美财经双长恳求尽快通过救市议案
英语演讲稿-21日：总统呼吁改善美国经济大环境(中英lrc)
英语演讲稿21日：总统呼吁改善美国经济大环境(中英lrc)Obama’s Weekly Address WEEKLY ADDRESS: Bringing our Workplace Policies into the 21st Century 奥巴马每周电视讲话:总统呼吁改善美国经济大环境Hi, everybody.大家好！As President, my top priority is rebuilding an economy where everybody who works hard has the chance to get ahead.作为总统，我最首要的职责就是重建一个让所有辛勤工作的人都能取得成功的经济环境。
That’s what I’ll spend some time talking about on Monday, at the White House Summit on Working Families.我将在周一举行的白宫工薪家庭峰会上就此话题谈论我的观点。
We’re bringing together business leaders and workers to talk about the challenges that working parents face every day, and how we can address them together.届时我将与众多企业领导和员工们汇聚一堂，共同探讨工薪父母们每天面对的挑战，并对此提出我们所能实现的解决办法。
Take paid family leave.带薪产假和探亲假。
Many jobs don’t offer adequate leave to care for a new baby or an ailing parent, so workers can’t afford to be there when their family needs them the most.多数岗位都不提供足够的假期让员工有时间去照顾新生婴儿或生病的父母，因此，员工无法在他们的家庭急需他们的时候及时到位，因为他们无法承受这一代价。
美国商会表示经济增长迅猛,但仍需政府支持
VOA常速新闻讲解附字幕:美国商会表示经济增长迅猛但仍需政府支持查看原帖In his annual address on the state of American businesses,U.S.Chamber President Thomas Donohue says the economy is improving.But he says it's not growing fast enough to significantly reduce unemployment.在美国商会会长托马斯•多诺霍对于美国商业形式的的年度演讲中,他表示美国经济已经有所改善。
但是他又说道增长的势头不是非常迅猛,没有达到减少失业的效果。
"Unfortunately,we think the economy will actually slow down in the early months of2012,"said Donohue."We expect growth to average2.5percent or lower in the first half and then hopefully,depending on the actions of government,to work its way up to3percent by the end of this year."“不幸的是,我们认为经济会在2012年的前几个月中实际缓慢发展,”多诺霍说道。
“我们希望在上半年平均增长2.5%或更低,然后希望政府采取相关措施,才能在今年年底达到3%。
”With a tough re-election battle facing some lawmakers this year,Bruce Josten, who heads the Chamber's Government Affairs unit,expects the group will be busy lobbying Congress to move quickly on business-friendly policies.随着今年即将面对一些立法者的艰苦的重选竞争,美国商会事务部的布鲁斯•乔斯滕希望这支团队积极游说国会以尽快达到有利营商政策。
美国是如何应对次贷危机的
美国是如何应对次贷危机的第一篇范文2007年，美国爆发了一场严重的次贷危机，这场危机迅速蔓延至全球，引发了一场严重的金融危机。
面对这场危机，美国政府采取了一系列措施来应对，以下是美国应对次贷危机的主要措施。
一、及时救市在次贷危机爆发初期，美国政府并没有及时采取措施，导致危机不断恶化。
直到2008年9月，美国政府才宣布救助三大住房贷款抵押公司——房利美、房地美和联邦家庭贷款银行，并斥资7000亿美元用于购买金融机构的坏账。
这些措施旨在稳定金融市场，恢复投资者信心。
二、救助金融机构美国政府不仅救助了住房贷款抵押公司，还对其他金融机构进行了救助。
例如，2008年9月，美国政府向美国国际集团（AIG）提供了850亿美元的救助资金。
此外，美国政府还采取了措施，限制金融机构的薪酬和福利，以遏制金融机构的高风险行为。
三、刺激经济为了缓解次贷危机对美国经济的影响，美国政府采取了一系列刺激经济的措施。
2008年底，美国政府推出了总额为7870亿美元的财政刺激计划，主要用于基础设施建设、教育、医疗等方面的支出，以创造就业岗位，刺激消费。
四、住房市场救助美国政府还采取了一系列措施来救助住房市场，包括降低住房贷款利率、提供首次购房者的税收优惠、扩大住房贷款 modification 计划等。
此外，美国政府还推出了“占屋运动”，鼓励金融机构将闲置房屋推向市场，以抑制房价下跌。
五、国际合作面对全球性的次贷危机，美国政府积极寻求国际合作，共同应对危机。
2008年11月，美国总统布什参加了二十国集团（G20）领导人峰会，与其他国家领导人共同商讨应对金融危机的措施。
在这次峰会上，各国达成共识，同意采取措施刺激全球经济增长。
第二篇范文在探讨美国应对次贷危机的策略时，我们不妨从3W1H（What，Who，Where，How）和BROKE（Background，Reaction，Outcome，Knowledge，Evaluation）两个模型入手，以此为基础，重新审视这一历史事件。
美国国会通过救市方案
美国国会通过救市方案引言近期，全球经济遭受了新冠肺炎疫情的严重冲击，股市急剧下跌，许多企业陷入困境。
为了应对经济危机，美国国会通过了一系列救市方案。
本文将介绍美国国会通过的救市方案的核心内容和作用，以及对经济的影响。
救市方案的核心内容1.资金援助计划：美国国会通过了一项资金援助计划，为遭受重大经济损失的企业提供资金支持。
这些资金将用于帮助企业维持运营，支付员工工资和其他开支。
此外，还将提供一定额度的贷款和资助给小型企业，以帮助它们渡过难关。
2.税收减免措施：为鼓励企业继续投资和创造就业机会，美国国会通过了一系列税收减免措施。
这些措施包括降低企业税率、延迟税款缴纳期限和提供税务优惠政策，以减轻企业负担，促进经济复苏。
3.紧急失业救济：为应对疫情导致的大规模裁员，美国国会通过了紧急失业救济方案。
该方案将提供额外的失业救济金，并延长失业救济的领取期限，以帮助失业者度过经济困境。
4.消费刺激措施：为刺激消费需求，促进经济回暖，美国国会通过了一系列消费刺激措施。
这些措施包括发放直接现金支付给符合条件的个人，提供购买抵扣和优惠税款等措施，以鼓励人们消费，刺激市场需求。
救市方案的作用1.维持企业运营：通过提供资金援助和贷款支持，救市方案可以帮助企业维持运营，防止大规模倒闭和裁员，维护经济稳定。
2.保障就业机会：救市方案提供的资金和税收减免措施可以鼓励企业继续投资和招聘，从而保障和创造就业机会，减轻失业风险。
3.刺激消费需求：通过发放现金支付和提供消费刺激措施，救市方案可以刺激人们增加消费，促进市场需求，拉动经济增长。
4.减轻个人负担：救市方案通过减免税款和提供救济金，可以减轻个人在经济困难时期的负担，帮助人们度过难关。
救市方案对经济的影响1.经济复苏：救市方案的实施可以缓解企业经营困难和就业不足的问题，刺激消费需求，促进经济复苏，加速经济增长。
2.财政影响：救市方案需要大量财政支出，可能导致财政赤字增加和国债规模扩大。
全球都在期待美元降息
全球都在期待美元降息作者：李曉莊来源：《台商》2023年第06期自2022年3月進入本輪加息週期以來，美聯儲已經11次加息，最近一次在2023年7月26日，聯邦基金利率目標區間被上調至5.25%至5.5%之間，推升到了22年來的最高水準。
美聯儲歷經長達11輪強加息，美國不但在全球掀起新一輪「美元回流潮」，而且也拉高了美國本土和世界各地的原物料價格，致使全球大部分地區的經濟陷入通脹狀態。
在給全球帶來「美元災難」的同時，美國本土也在高通脹的陰影下怨聲載道。
最新的消息稱，美國的通貨膨脹率已從2022年6月的9%左右降至2024年1月的3.4%。
根據美聯儲首選價格指標，過去六個月的通脹率已達到美聯儲2%的年度目標。
言下之意，美聯儲賴以升值美元利率的條件已經不復存在，接下來就會面臨新一波美元「降息潮」。
多個國際機構預估，美聯儲可能於2024年第二季度開始降息，並可能有2-5次的降息空間。
其實，美聯儲是否降息，並不是因爲全球經濟因美元加息如何糟糕，而是基於美元新一波「剪羊毛」是否成功。
美元的最大化利益實現了多少？在長達11輪強的加息過程中，全球經濟因美元加息搞到鷄飛狗跳，美國一邊利用加息回流美元，一邊利用俄烏戰爭拉歐洲下水驅趕歐洲美元，一邊製造亞太動盪逼迫美元從中國和東南亞國家流出。
經美國這麼幾年的七搜八刮，在美國本土高利息、世界各地局勢不穩定的情況下，能回流的美元基本上都回流到美國本土了。
但是，美元回流到美國並不是美國的真正目的，美國的真正目的是製造「全球美元慌」，是把全球有價資產的價格打壓到最低，比如說，越南的優質企業、歐洲的優質企業、香港的金融資產，跌跌不休的中國大陸股市及其背後的優質企業等等，待美元開閘實現新一波「大滿貫」美元降息計畫時，統統是其「割的韭菜」。
目前全球經濟雖有復蘇，但復蘇的速度十分有限，其主要原因是以美國為龍頭的西方國家「消費不振」，疫情導致的庫存至今未能消化，儘管美國在近幾年高通脹情況下，對美國民衆有所加薪，但是也僅能抵扣通脹帶來的部分壓力，並沒能從根本上解決消費信心問題。
英语听力材料 美国之声04
Earlier, the central bank announced loans to banks of up to $ 900,000,000,000. European countries are also taking steps to deal with the crisis. The Economist magazine reports that European banks have borrowed more against their bank deposits than American banks have. This puts them at greater risk when there are low levels of activity in credit markets.Iceland is an example. Its banks borrowed many times the amount of money they held in deposits. In recent weeks, Iceland has had to seize 3 major banks. The nation has asked for a loan of more than $ 5,000,000,000 from Russia to avoid a collapse of its financial system.Other countries have taken steps to keep people from withdraw ing money from banks. Ireland, Germany and Britain increased the limit of bank deposits guarantee d by their governments.And, the British government has announced a rescue plan similar to the one passed by the United States Congress. Britain will make $ 87,000,000,000 available to 8 major banks. It will also provide hundreds of billions of dollars in loans and guarantees to the banking system.参考译文：早些时候，央行宣布给银行贷款高达9000亿美元。
chinadaily双语新闻：日本应反思新财政刺激计划
⽆忧考英语资源频道为⼤家整理的china daily 双语新闻：⽇本应反思新财政刺激计划，供⼤家学习参考:)What happens when an economy runs out of fiscal space? The presumption is embodied in the image of “hitting the wall”. Under this assumption, public debt exceeds a certain limit and financial confidence collapses. As a result, interest rates rise, the currency falls and panic ensues. At times this scenario holds true – for economies with sizeable foreign-denominated public debt or for economies that create political breakdowns.经济体缺乏财政空间(fiscal space)会发⽣什么？这⼀假定情形体现为⼀种类似于“⽣理极点”的现象。
在这⼀情形下，公共债务超过某个限额，⾦融信⼼⼀落千丈。
结果，利率出现上升，汇率出现下跌，公众进⽽产⽣恐慌情绪。
对有庞⼤外币计价公共债务的经济体或⾯临政治崩溃的经济体来说，这⼀假定情形有时真的会发⽣。
Japan demonstrates a different reality about the problems of excessive debt – one that Shinzo Abe, its new prime minister, should keep in mind as he launches a fiscal stimulus package. Japanese public debt has ballooned for 20 years, rising from 60 per cent to 220 per cent of gross domestic product (though the true figure net of government holdings may be 130 per cent). During that time Japan has been in recession, recovery and back in recession, but interest rates on Japanese government bonds have remained below 2 per cent for the past 13 years. While the debt accumulated, the yen appreciated from Y130 to Y78 to the dollar, before reversing to Y89 over the past few months.就债务过多引发的问题⽽⾔，⽇本展⽰出⼀种与上述情形不同的现实。
美国总统在新奥尔良港就经济和出口英语演讲稿
美国总统在新奥尔良港就经济和出口英语演讲稿THE PRESIDENT: Hello, Big Easy! (Applause.) Everybody, give it up for Nancy for thatgreat introduction. (Applause.) It is good to be back in New Orleans. This is what passes forwinter here in New Orleans, huh? (Laughter.) Folks got all their coats on and all that. e need to go to Chicago to know what it’s like to be cold.It is great to be here. It is especially happy for my staff. They love ing to New we did schedule the event early because Ifigure there’s a limit to how much trouble theycould get into. (Laughter.) They can’t get over to Bourbon Street fast enough if we did adaytimeevent. And I know that there areprobably a couple of my staff that are LSU fans. Iwouldn’t mind staying for the game tomorrownight. I know we’ve got the presidenthere -- I justsaw him a minute ago and I wished him all the best.I also want to acknowledge acouple of other people who are here. You’vegot your Governor-- Bobby Jindal is here. (Applause.) We’ve got theSecretary of Transportation Anthony Foxx,who is here. (Applause.) We have Cedric Richmond, your outstanding Congressman. (Applause.) Cedric then brought down a whole bunch of his colleagues from theCongressionalBlack Caucus for some important work that they’re doing -- notthat they’re going to enjoythemselves at all while they’re here. (Laughter.) But we are thrilled to see them all here.You have one of the best mayorsin the country in Mitch Landrieu. (Applause.) And I justflew downwith your Senator, who, by coincidence, has the same name -- Mary Landrieu. (Applause.) She’s traveling around the state today and doing unbelievable work on behalfof thepeople of Louisiana. And I justwant to say nobody is a tougher advocate on behalf of theworking people ofLouisiana than Mary Landrieu. So we’revery, very proud of the work that shedoes. (Applause.)Finally, I want to thank Mr. GaryLaGrange, Keith Palmisano, and ChrisHammond. Theyshowed me around the port. (Applause.) And this is one ofthe -- by the way, anybody who’s gota seat, feel free. I noticed that a few folks are standingup. If you don’t have a seat then keeponstanding. I don’t want you hurtingyourself.This is one of the busiest portplexes in the entire world. You movemillions of tons ofsteel and chemicals and fuel and food every singleyear. I just found out you also handle alot ofthe country’s coffee, which means you’re responsible for keeping theWhite House awake at alltimes. (Applause.) Got some coffee folkshere.And, in so many ways, this portis representative of what ports all around the country do:They help to keep our economy going -- movingproducts, moving people, making sure thatbusinesses are working. You’ve got corn and wheat that’s ing downfrom my home state ofIllinois down the river, ending up here, and then goingall around the world. And it’s part ofthereason why we’ve been able to increase exports so rapidly, is because we’vegot some of the bestnatural resources and waterways and facilities in theworld.Now, growing our economy,creating new jobs, helping middle-class families regain a senseof stabilityand security so they can find good jobs and make sure that their kids are doingevenbetter than they did -- that’s always been what America is about, but fortoo many people, thatsense that you can make it here if you try, that sensehas been slipping away. And mydrivingfocus has been to restore that sense of security, and it should be Washington’sfocus,regardless of party. That’s whateverybody in Washington should be thinking about every day.So today, I want to just offer acouple of ideas about what we could do right now togetherthat would help oureconomy -- right now. Now, the good newsis, over the past 44 months ourbusinesses have created million newjobs. Since I took office, we’ve cut thedeficits in half. (Applause.)That’s right. By the way, you wouldn’t know this sometimes listening to folks onTV,but the deficits are going down, they’re not going up. They’ve been cut in half. (Applause.)And they keep on going down.Over the past three years, healthcare costs have risen at the slowest pace on are up. The housing market is up. The American auto industry is roaring back. So we’vegot a lot of good things to buildon, but we’ve got a lot more work to do. And what we shouldstart doing, the first thing we should do is stopdoing things that undermine our businessesand our economy over the past fewyears -- this constant cycle of manufactured crises and self-inflicted woundsthat have been ing out of Washington. For example, we learned yesterdaythat over the summer, our economy grew at its fastestpace in a year. That’s the good news. The bad news is that the very day that theeconomicquarter ended, some folks in Washington decided to shut down thegovernment and threatenedto default on America’s obligations for the firsttime in more than 200 years. And it’slike thegears of our economy, every time they are just about to take off,suddenly somebody taps thebrakes and says, “Not so fast.”AUDIENCE MEMBER: Tell it! (Laughter.)THE PRESIDENT: Now, our businesses are resilient. We’ve got great workers. And so, asa consequence, we added about200,000 new jobs last month. But there’sno question that theshutdown harmed our jobs market. The unemployment rate still ticked up. And we don’t yetknow all the data for thisfinal quarter of the year, but it could be down because of whathappened inWashington. Now, that makes nosense. These self-inflicted wounds don’thave tohappen. They should not happenagain.We should not be injuringourselves every few months -- we should be investing inourselves. We should be building, not tearing thingsdown. Rather than refighting the sameoldbattles again and again and again, we should be fighting to make sureeverybody who workshard in America and hardright here in New Orleans, thatthey have a chance to get ’swhat we should be focused on. (Applause.)Which brings me to one of thereasons I’m here at this port. One ofthe things we should befocused on is helping more businesses sell moreproducts to the rest of the world. Andthe onlyway those products get out is through facilities like this. Right now, exports are one of thebrightestspots in our economy. Thanks in part tonew trade deals that we signed with countrieslike Panama and Colombia andSouth Korea, we now export more goods and services than everbefore. And that means jobs right here in the UnitedStates of America.Last year, every $1 billion inexports supports nearly 5,000 jobs, including jobs right here atthis port. So we’re working on new trade deals that willmean more jobs for our workers, andmore business for ports like this one.And, by the way, when I travelaround the world, I’m out there selling. I’ll go anywhere inthe world to make sure that those products stampedwith those words, “Made in America,” thatwe can open up those markets and sellthem anywhere. (Applause.)So helping American businessesgrow; creating more jobs -- these are not Democratic orRepublicanpriorities. They are priorities thateverybody, regardless of party, should be able toget behind. And that’s why, in addition to working withCongress to grow our exports, I’ve putforward additional ideas where I believeDemocrats and Republicans can join together to makeprogress right now.Number one, Congress needs topass a farm bill that helps rural munities grow andprotects vulnerableAmericans. For decades, Congress found away to promise and passfarm bills without fuss. For some reason, now Congress can’t even getthat done. Now, this isnot somethingthat just benefits farmers. Ports likethis one depend on all the products ingdown theMississippi. So let’s do the right thing, pass a farmbill. We can start sellingmoreproducts. That’s more business for thisport. And that means more jobs righthere. (Applause.)Number two, we should fix ourbroken immigration system. (Applause.) This would begoodfor our national security, but it would also be good for our economic security. Over thenext two decades, it would grow oureconomy by $ trillion. It wouldshrink our deficits bynearly a trillion dollars. This should not be a partisan issue. President Bush proposed the broadoutlines ofmon-sense immigration reform almost a decade ago. When I was in the Senate,I joined 23 of myRepublican colleagues to back those reforms. This year, the Senate has alreadypassed a bill with broad bipartisansupport.So all we’re doing now is waitingfor the House to act. I don’t know whatthe holdup is. But ifthere’s a goodreason not to do it, I haven’t heard it. There’s no reason both parties can’t etogether and get this donethis year. Get it done this year. (Applause.)Number three, Democrats andRepublicans should work together on a responsible budgetthat sets America on astronger course for the future. Weshouldn’t get caught up in the sameold fights. And we shouldn’t just cut things just for the sake of cuttingthings. Remember, Iwant to remind you-- what’s happening in the deficits? They’re going down. They’’re falling faster thanthey have in 60 years.So what we have to do now is dowhat America has always done: Make somewiseinvestments in our people and in our country that will help us grow overthe long term. Weshould close wastefultax loopholes that don’t help our jobs, don’t grow our economy, and theninvestthat money in things that actually do create jobs and grow our economy. And one of thosethings is building new roadsand bridges and schools and ports. Thatcreates jobs. (Applause.) Itputs people to work during theconstruction phase. And thenit createsan infrastructure for oureconomy to succeed moving forward. Educating our kids, training ourworkers so they’re prepared for the global economy -- thathelps us grow. We should be investing in that. And Mayor Landrieu has been doing a great jobinimproving education here in New Orleans. (Applause.)Investing in science and research and technology -- that keeps ourbusinesses and ourmilitary at our cutting edge. That’s the kind of investment we should bemaking.I mean, think about ourinfrastructure. In today’s globaleconomy, businesses are going totake root and grow wherever there’s thefastest, most reliable transportation andmunications networks -- they cango anywhere. So China is investing a lotin is investing awhole lot in infrastructure. And Brazilis investing a whole lot ininfrastructure. What are we doing?We’re doing some good thingslocally here. The state and city aretrying to do some work,but nationally we’re falling behind. We’re relying on old stuff. I don’t think we should have justoldstuff. We should have some new stuffthat is going to help us grow and keep pace withglobal petition. Rebuilding our transportation andmunications networks is one of the fastest ways tocreate good jobs. And consider that just a couple of years fromnow, we’re going to have newsupertankers that are going to start ingthrough the Panama Canal, and these tankers canhold three times as much cargoas today’s. If a port can’t handle thosesupertankers, they’ll goload and unload cargo somewhere else. So there’s work that we can start doing interms ofdredging and making the passageways deeper, which means thesupertankers can have morestuff on them, which means they can unload and loadmore stuff, which makes this port morepetitive.So why wouldn’t we put people towork upgrading them? (Applause.) Why wouldn’t we dothat? It’s not just our ports either. One in nine of ourbridges is ratedstructurally than 40percent of our major highways are congested; so is our airspace. Everybody who’ssitting on a tarmac wonderingwhy it is that you’re not taking off, and getting aggravated whenyou go flysomeplace, part of the reason is we’ve got this antiquated air traffic need the next generation airtraffic control system. It would reducetime travel; it wouldreduce delays. Itreduces fuel costs for airlines. Itreduces pollution in the sky. We knowhow todo it, we just haven’t done it.That shouldn’t be a Democratic ora Republican issue. That’s just smart togo ahead and doit. Something thatpeople across the political spectrum shouldbe able to agree on. Now, here’sthething: All these opportunities andchallenges, they’re not going to magically fix ’ve got to do it. And anybody who says we can’t afford to payfor these things needs to realizewe’re already paying for them.I’ll give you an example. A lot of trucking panies now reroute theirshipments to avoidtraffic and unsafe bridges. So they’re going longer than they need to; that costs them you’re paying for it. Those costs then get passed on toconsumers. Or it means paniesaren’tmaking as much of a profit and maybe they’ve got fewer employees. So directly orindirectly, we’re paying forit. And the longer we delay, the more we’llpay.But the sooner we take care ofbusiness, the better. And I know that ifthere’s one thing thatmembers of Congress from both parties want, it’s smartinfrastructure projects that create goodjobs in their districts. That’s why, last year, I took thestep without Congress to speed up the permitting processfor big infrastructureprojects like upgrading our ports. Justcut through the red tape. Get itdonefaster. This year, rebuilding ourinfrastructure could be part of a bipartisan budget deal. Acouple months ago, I put forward an idea totry to break through some ofthe old arguments -- agrand bargain formiddle-class jobs. And what I said was,we’ll simplify our corporate taxcode, close some wasteful tax loopholes, endincentives to ship jobs overseas, lower tax rates forbusinesses that createjobs here in the United States, and use some of the money we save byswitchingto a smarter tax system to create good construction jobs building the thingsthat ourbusinesses need right here in America. It’s a pretty sensible deal. (Applause.)So if we took that step, we couldmodernize our air traffic control system to keep planesrunning on time;modernize our power grids and pipelines so they survive storms; modernizeourschools to prepare our kids for jobs of the future; modernize our ports so theycanacmodate the new ships.The point is, rebuilding ourinfrastructure or educating our kids, funding basic research --they are notpartisan issues, they’re American issues. There used to be a broad consensus thatthese things were important toour economy. And we’ve got to get backto that mindset. We’vegot to moveforward on these things together. Itdoesn’t mean that there aren’t going to bedisagreements on a whole bunch ofstuff, but let’s work on the things we agree on.Now, I’m going to make one lastpoint, one area where we haven’t made much bipartisanprogress -- at least notas much as I’d like -- is fixing our broken health care system. (Applause.)And I took up this cause knowingit was hard -- there was a reason why no other Presidenthad done it -- to makesure every American has access to quality, affordable health care, andto makesure that no American ever again has to fear one illness is going to bankruptthem. (Applause.) And the work we’ve already donehas resulted in, over the past three years, health care costsrising at theslowest pace on record. Health carecosts for businesses are growing about one-thirdof the rate they werea decadeago, and we want those trends to continue.Now, we’ve had this problem withthe website. I’m not happy aboutthat. But we’re workingovertime to makesure that it gets fixed, because right now we’ve put in place a system,amarketplace, where people can get affordable health care plans. I promise you nobody hasbeen more frustrated.I want to go in and fix it myself, but I don’twrite code, so -- (laughter). But to every American with apreexisting condition who’s been waiting for the day they couldbe covered justlike everybody else, for folks who couldn’t afford to buy their owninsurancebecause they don’t get it on the job, we’re going to fix the website. Because theinsurance plans are there. They are good, and millions of Americans arealready finding thatthey’ll gain better coverage for less cost, and it’s theright thing to do. (Applause.)Now, I know that’s -- I knowhealth care is controversial, so there’s only going to be somuch support weget on that on a bipartisan basis -- until it’s working really well, andthenthey’re going to stop calling it Obamacare. (Laughter and applause.) They’regoing to callit something else.One thing, though, I was talkingto your mayor and your governor about, though, is aseparate issue, which isone of the things that the Affordable Care Act does is allow states toexpandMedicaid to cover more of their citizens. (Applause.)And here in Louisiana, that wouldbenefit about 265,000 people. Andalready you’ve seenstates -- Arkansas has covered -- taken this up, and they’recovering almost 14 percent of theiruninsured. Republican governors in states like Ohio and Nevada, Arizona, they’redoing it, has alreadyreduced the number of uninsured by about 10 percent. And some of thesefolks opposed Obamacare,but they did support helping their citizens who can’t get coverage.So we want to work with everybody-- mayor, governor, insurance -- whoever it is thatwants to work with us herein Louisiana to make sure that even if you don’t support the overallplan, let’sat least go ahead and make sure that the folks who don’t have health insurancerightnow can get it through an expanded Medicaid. Let’s make sure we do that. (Applause.) It’s theright thing to do.And one of the reasons to do itis -- I’ve said this before; sometimes people don’t fullyappreciate it -- wealready pay for the health care of people who don’t have health insurance,wejust pay for the most expensive version, which is when they go to the what happens is, thehospitals have to take sick folk. They’renot just going to leavethem on the streets. But people who are sick, they wait until the very last minute. It’s muchmore expensive to treat them. Hospitals have to figure out how to get theirmoney back, whichmeans they jack up costs for everybody who does have healthinsurance by about $1,000 perfamily.So, as a consequence, whathappens is you’re already paying a hidden tax for a brokenhealth caresystem. munity hospitals struggle tocare for the uninsured who can’t pay theirbills when they get sick. So it’s the right thing to do for the healthof our economies as a is apractical, pragmatic reason to do it. Ithas nothing to do with politics or ideology. Andthe more states that are working together, Democrats andRepublicans, the better off we’regoing to be.So the bottom line is, NewOrleans, we can work together to do these things, because we’vedone thembefore. We did not bee the greatestnation on Earth just by chance, just byaccident. We had some advantages -- really nice realestate here in the United States. Butwhatwe also had were people who despite their differences -- and we e fromeverywhere and lookdifferent and have different traditions -- we understandthat this country works best when we’reworking together. And we decided to do what was necessary forourbusinesses and our familiesto succeed. And if we did it in the past, we can do it again.So let’s make it easier for morebusinesses to expand and grow and sell more goods madein America to the restof the world. Let’s make sure we’ve gotthe best ports and roads andbridges and schools. Let’s make sure our young people are gettinga great education. Let’s giveeverybodya chance to get ahead, not just a few at the top, but everybody -- (applause)--because if we do that, if we help our businesses grow and our munitiesthrive and ourchildren reach a little higher, then the economy is going togrow faster.We’ll rebuild our middle classstronger. The American Dream will bereal and achievable notjust for a few, but for everybody -- not just today,but for decades to e. That’s whatwe’refighting for. That’s what you’re allabout here at this port and here in New Orleans. And I’mlooking forward to working with youto make sure we keep that up.Thank you. God bless you. God bless America. (Applause.)。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
Federal Reserve Board Chairman Ben Bernanke and Treasury Secretary Henry Paulson Tuesday implored members of the Senate Banking Committee to quickly enact legislation that would permit the government to buy up bad housing-related loans that have negatively impacted credit markets.
美联储主席伯南克和财政部长保尔森星期二恳求参议院银行委员会的成员尽快制定议案，允许政府收购严重影响信贷市场的房屋贷款坏帐。
Bernanke said quick action is required to stabilize financial markets and combat the threat of economic slowdown. He said markets wildly gyrated last week and dire consequences loomed as the government scrambled to come up with a plan to shore up bad housing related loans.
伯南克说，必须尽快采取行动，以稳定金融市场，抵御经济放缓的威胁。
他说，上星期市场剧烈波动，可怕的后果赫然成形，政府匆忙拿出这份收购房屋贷款坏帐的方案。
Treasury Secretary Paulson told skeptical lawmakers that the two-year long slump in the U.S. housing market is the cause of the crisis.
财政部长保尔森对持怀疑态度的国会议员们表示，美国房地产市场持续两年的下滑是这场危机的根源。
"The root cause is the housing correction [price declines], as you have all pointed out, that has resulted in illiquid mortgage assets choking off the flow of credit, which is so vitally important to our economy," said Paulson.
他说：“根本原因是房地产市场的调整，正像你们所有人指出得那样，房屋价格下滑导致了无法兑现的房贷资产，窒息了对我们的经济至关重要的信贷流动。
”
Bernanke defended recent actions by the government to deal with the problem. Those measures since September 7, included taking over the two government sponsored entities most involved in home finance, allowing the Lehman Brothers investment bank to fail, taking over AIG - the world's biggest insurer, and then announcing Friday a $700-billion rescue plan that must be approved by Congress.
伯南克为政府最近处理危机所采取的行动做辩护。
这些措施包括，接管两家政府赞助的房屋贷款融资公司，允许投资银行雷曼兄弟公司申请破产保护，接管全球最大的保险公司美国国际集团，然后于上星期五宣布了7千亿美元的救援方案，这个方案必须得到国会的批准。
Bernanke denied that the government has been too generous to the shareholders and managers of failing institutions.
伯南克否定有关政府对于那些陷于困境的金融机构的股东和主管人员过于慷慨的说法。
"We have insisted on bringing the shareholder value down close to zero, imposing tough terms and so on. But the firms we are dealing with now [with the proposed legislation] are not necessarily failing," he said. "They are contracting, de-leveraging and pulling back. And they will be unwilling to make credit available as long as market conditions are as they are now."
他说：“我们一直坚持把这些股东们持有的资产价值降到几乎为零，并设定严厉条件和采取其他措施。
但是我们现在所要挽救的公司是那些并不见得会倒闭的金融机构，它们正在采取紧缩措施，减少杠杆投资和紧缩开支。
然而只要它们目前所处的市场条件不改变，它们就不会情愿发放贷款。
”
Lawmakers were insistent that bankers not be rescued at the expense of ordinary homeowners and consumers. Both Bernanke and Paulson agreed, but said without a comprehensive bailout all consumers will suffer.
国会议员们坚持认为，政府不应当以牺牲普通房主和消费者的利益来挽救银行家。
伯南克和保尔森对此表示认同，但是他们强调，如果不实行全面的收购计划，所有的消费者都将受到伤害。
Paulson, who was a top executive of the Goldman Sachs investment bank before coming to Washington, blamed weak regulation for the abuses in mortgage finance.
在华盛顿任职之前曾担任高盛投资银行总裁的保尔森把滥发房屋贷款的原因归咎于监管不利。
"I was shocked, absolutely shocked [when I arrived in DC two years ago], to find that it was not deregulation or too much regulation or too little regulation, it was just a flawed regulatory structure built for a different model," said Paulson.
他说：“(两年前当我到华盛顿任职的时候)，我就感到非常震惊，因为我发现问题并不是放松监管、监管太多、或管理不够，而是监管结构有缺陷，那个监管结构是为另一种不同的模式建立的。
”
In 1999 Congress gave increased freedoms to the financial service industry, but failed to create a comprehensive regulatory structure.
1999年，美国国会扩大了金融服务产业的自由度，但是却没有建立起一个新的全面的监管机制。
President Bush, speaking at the United Nations in New York, said he is acting decisively to contain the financial crisis. The administration wants Congress to approve the rescue legislation before its scheduled adjournment on Friday, but there is no clear indication that that timetable will hold.
布什总统在纽约联合国大会上表示，他正在采取坚定的行动来控制金融危机。
布什政府希望国会在星期五国会休会之前批准这项救助立法。
但是目前还没有明确迹象显示国会将按照这个时间表如期完成有关的立法程序。