美国商会【外文翻译】

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1、本科毕业设计（论文）外文翻译原文：U.S.ChamberofCommerceTheChamberstronglysupportstheAdministration'sgoalofenhancingconsumerprotection.Evenbeforethefinancialcrisishit，theChamber'sCenterforCapitalMarketsCompetitivenesscalledforregulatoryreform，includingstrengtheningconsumerprotections.Thecrisishasclearlyilluminat

2、edtheshortcomingsofouroutdatedregulatorysystem.Millionsofconsumersandinvestorswereharmed，inpartbecauseofregulatorygapsbutjustasmuchorevenmorebecauseofregulators'failuretoexercisetheauthority—especiallytheenforcementauthority—thattheyalreadypossess.TheChamberbelievesthatconsumersneed:1.Clearerdi

3、sclosureandbetterinformation.2.Morevigorous，effectiveenforcementagainstpredatorypracticesandotherabuses.3.Eliminationofregulatorygapsthatallowedsomefinancialservicesentitiestoescape.regulationapplicabletotheircompetitors.Weneedsmarter，moreeffectiveregulation.Addingnewregulatorylayersandenacting

4、expansive，andduplicative，regulatoryauthoritywillnotproducethatresult.Rather，itislikelytoleadtoconfusion，uncertainty，andaregulatorysystemthatimposesheavyburdensonbusinesswithoutprovidingtheprotectionsthatconsumersneed.OnSeptember23，theChamberreleasedastudyconductedbyThomasDurkin，aneconomistwhosp

5、entmorethan20yearsattheFederalReserve.Durkinconcludedthatregulatoryburdensassociatedwithalackofpreemptionandlegaluncertaintiescreatedbynew，vague，andundefinedstatutorytermswouldreducetheabilityoffinancialinstitutionstoextendconsumercredit，andwouldlikelyincreasethecostofcreditthatisavailable.More

6、over，thisreductionincreditwouldimpactsmallbusinessesaswell，becauseitwouldaffecttheveryconsumerfinancialproductsthatsmallbusinessesusetosupplementbusinesscredit，whichoftenisnotavailabletosmallandnewenterprises.Attheverytimewhenweneedthesejob-creatorsthemostinordertorestoregrowthtooureconomy，wewi

7、llbehobblingtheireffortsbyreducingtheiraccesstothecreditthatisessentialtofuelthatgrowth.TheChamberopposestheCFPAlegislationinitscurrentformbecauseitbelievesthecurrentbillisthewrongwaytoenhanceconsumerprotection，anditwillhavesignif