The Treasury Proposes a Plan to Change the Way the Financial System is Supervised

美国财政部提出改变金融系统监管方式的计划

This is the VOA Special English Economics Report.

这是VOA特别英语的经济报道。

This week, the Bush administration proposed major changes to the way the financial system is supervised. Treasury Secretary Henry Paulson announced the plan Monday. He said the changes should not and will not be put in place until the current financial crisis is over. The plan is divided into short-term, intermediate-term and long-term goals.

本周，布什政府提出金融系统监管方式的重要变革。周一，财政部长亨利·保尔森宣布了这一计划。他说，在目前金融危机结束之前，这些变革不应也不会落实。这一计划包括短期、中期以及长期目标。

Among the short-term goals is an expansion of the President's Working Group on Financial Markets. The proposal would bring banking supervisors into the group and expand its responsibility to the entire financial industry. Other short-term goals include creating a group to set rules for the home loan industry. Many people blame irresponsible lending to people with risky credit histories for the current subprime mortgage crisis.

短期目标之一是总统金融市场工作组的拓展。该方案将银行业监管机构引入这一工作组，并且将其职责扩充到整个金融业。其它短期目标包括建立一个制定房贷业规章的工作组。许多人将目前次贷抵押危机归咎于向具有不良信用历史的人的不负责任的放款。

Intermediate goals include combining or closing some financial supervising agencies that perform similar duties. The proposal would close the Office of Thrift Supervision, which oversees non-bank savings organizations. It would also combine the Commodity Futures Trading Commission and the Securities and Exchange Commission. The C.F.T.C. currently supervises the market for financial contracts known as futures while the S.E.C. regulates securities markets.

中期目标包括合并或关闭某些履行类似职能的金融监管机构。该方案将关闭监管非银行的储蓄机构——储蓄监管局。同时，该方案将合并美国商品期货交易委员会（CFTC）和美国证券交易委员会（SEC）。目前，CFTC监管金融合约期货市场，而SEC监管证券市场。

Another aim would be to take the first steps toward the federal government supervising the insurance industry. This industry has been supervised mainly by the states for about one hundred thirty-five years.

另一个目标是为联邦政府监管保险业采取初步措施。保险业主要由各州监管已实行了约135年。

In the long term, the plan calls for strengthening the Central Bank to guard against all threats to the financial system. But, the proposal would also create new agencies. It calls for a Prudential Financial Regulator, which would combine all federal bank regulators into a single agency. Also, a Conduct of Business Regulator would be responsible for investor protection. This agency would perform many duties currently done by the Securities and Exchange Commission.

从长期而言，该计划要求加强中央银行，以防范金融系统的所有威胁。但是，该方案也将设立新的机构，如要求设立审慎金融监管局，即将所有联邦银行监管机构合而为一。另外，业务规范监管局将负责投资人的保护，并且将履行目前由美国证券交易委员会（SEC）履行的许多职能。

Small banks and some state officials strongly oppose the plan. Small banks see the plan as a way to make big financial companies more competitive. Other groups have criticized the plan because it does not provide help for the current mortgage crisis.

小银行以及某些州的官员强烈反对该方案。小银行认为，这一计划将使大金融公司更具竞争力。其它机构批评这一计划，因为它对目前次贷危机没有提供任何帮助。

And that's the VOA Special English Economics Report, written by Mario Ritter. I'm Steve Ember.

以上VOA特别英语的经济报道是由马里奥·里特尔撰稿。我是史蒂夫·安贝。