美国商会—外文翻译 学士学位论文.doc

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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，includingstrengtheningconsume

2、rprotections.Thecrisishasclearlyilluminatedtheshortcomingsofouroutdatedregulatorysystem.Millionsofconsumersandinvestorswereharmed，inpartbecauseofregulatorygapsbutjustasmuchorevenmorebecauseofregulators'failuretoexercisetheauthority—especiallytheenforceme

3、ntauthority—thattheyalreadypossess.TheChamberbelievesthatconsumersneed:1.Clearerdisclosureandbetterinformation.2.Morevigorous，effectiveenforcementagainstpredatorypracticesandotherabuses.3.Eliminationofregulatorygapsthatallowedsomefinancialservicesentitie

4、stoescape.regulationapplicabletotheircompetitors.Weneedsmarter，moreeffectiveregulation.Addingnewregulatorylayersandenactingexpansive，andduplicative，regulatoryauthoritywillnotproducethatresult.Rather，itislikelytoleadtoconfusion，uncertainty，andaregulatorys

5、ystemthatimposesheavyburdensonbusinesswithoutprovidingtheprotectionsthatconsumersneed.OnSeptember23，theChamberreleasedastudyconductedbyThomasDurkin，aneconomistwhospentmorethan20yearsattheFederalReserve.Durkinconcludedthatregulatoryburdensassociatedwithal

6、ackofpreemptionandlegaluncertaintiescreatedbynew，vague，andundefinedstatutorytermswouldreducetheabilityoffinancialinstitutionstoextendconsumercredit，andwouldlikelyincreasethecostofcreditthatisavailable.Moreover，thisreductionincreditwouldimpactsmallbusines

7、sesaswell，becauseitwouldaffecttheveryconsumerfinancialproductsthatsmallbusinessesusetosupplementbusinesscredit，whichoftenisnotavailabletosmallandnewenterprises.Attheverytimewhenweneedthesejob-creatorsthemostinordertorestoregrowthtooureconomy，wewillbehobb

8、lingtheireffortsbyreducingtheiraccesstothecreditthatisessentialtofuelthatgrowth.TheChamberopposestheCFPAlegislationinitscurrentformbecauseitbelievesthecurrentbillisthewrongwaytoenhanceconsumerprotection，anditwillhavesignif