2019年经济学人 澳大利亚银行:利与损 (2)

 

The report's 76 recommendations set out to clean up the industry.

该报告的76条建议旨在净化该行业。

One is for a new bank-funded compensation scheme for victims of banking¹ misconduct.

其中一条是针对银行不当行为的受害者的一项新银行资助补偿金计划。

Some measures target the intermediaries who flog insurance, pensions and mortgages to befuddled² Australians.

一些措施的目标是那些向稀里糊涂的澳大利亚人出售保险、养老金和抵押贷款的中介机构。

Mr Hayne wants their bonuses slashed³, starting with "trailing" commissions paid to mortgage-brokers years after they sell a loan.

海恩想要削减他们的奖金，首先从尾随佣金着手，抵押经纪人会在出售贷款后收到这笔佣金。

Financial advisers⁴ would need customers' approval to roll fees forward. It would become illegal to tout⁵ pensions or insurance by phone.

财务顾问将需要取得客户的批准才能推动费用。通过电话兜售退休金或保险将属于违法行为。

These are welcome measures, but many think they do not go far enough.

这些都是受欢迎的措施，但是很多人认为还不够。

"In the end the banks have got off lightly," says Michael Rafferty, an economist⁶ at RMIT University in Melbourne.

“最终银行会从轻判决，”墨尔本皇家墨尔本理工学院的迈克·拉弗蒂表示。

The commission exposed the harm to customers caused by conflicts of interest within banks.

委员会将银行内部利益冲突引起的损害暴露给了客户。

Yet it stopped short of demanding that they spin off the advisory⁷ and wealth-management units implicated⁸ in much of the wrongdoing.

然而并没有要求他们拆分涉及不当行为的咨询和财富管理单位。

Three big banks had expected such a ruling and are restructuring along these lines, yet forced separation would be "costly⁹ and disruptive", Mr Hayne concluded.

三大银行期待这样的裁定并正在按照这些方法进行重组，然而强迫分离将会“费钱又混乱”，海恩总结到。

Nor did he call for stricter checks on affordability¹⁰ before making loans.

他也没有要求在贷款前对借款人的支付能力进行更严格的审查。

Lenders have already tightened¹¹ up here, too, but consumer-protection groups fear they may ease up once the pressure is off.

贷款方也收紧了，但是客户保护组织担心一旦没有了压力，他们可能再次放松。

Shares in the four big banks rose by an average of 6.7% the day after the report's publication.

报告公布后，四大银行的股票平均上涨6.7%。

The commission accused industry regulators of being too cosy¹² with the industry.

委员会指责行业监管者对该行业太过宽松。

It recommends that they be given more power to punish misdemeanours and curb¹³ bonuses,

其建议给他们更多处罚行为不端者并控制奖金的权力，

with a new oversight¹⁴ panel set up to ensure they do their job.

而新成立的监督小组能顾确保他们进行工作。

Yet it is unclear how much authority the panel would have, and the corporate¹⁵ regulator has seen its funding squeezed.

但并不确定监督小组权力几何，并且企业监管者已经看到了其资金的挤压。

"ASIC has been called out for its ineffectiveness since the early 1990s," complains Allan Fels, a former chairman of the competition commission. "What's different now?"

“自20世纪90年代开始，澳大利亚证券和投资委员会就因其效率低下而被召集，”竞争委员会前主席艾伦·菲尔斯抱怨称。“现在又有什么不同呢？”

Both the coalition¹⁶ government, which looks set for an electoral trouncing in May,

可能取得5月大选胜利的联合政府

and the Labor¹⁷ Party, which is likely to form the next government, have promised to enact¹⁸ the commission's recommendations.

以及可能组成下一届政府的工党都承诺通过委员会的建议。

Little will happen before the vote. But the commission at least gained a hearing from politicians.

投票前不会发生什么。但至少委员会从政客那里获得了一次听证会。

Banks can count themselves lucky it did not crack down harder.

银行算得上是幸运的了，委员会没有进行更严厉的打击。

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

2 befuddled   

adj.迷糊的，糊涂的v.使烂醉( befuddle的过去式和过去分词 )；使迷惑不解

参考例句：

• He was befuddled by drink. 他喝得迷迷糊糊的。
• John is very amusing when he is completely befuddled. 当约翰喝得完全糊涂了的时候，他非常有趣儿。 来自《现代英汉综合大词典》

3 slashed   

v.挥砍( slash的过去式和过去分词 )；鞭打；割破；削减

参考例句：

• Someone had slashed the tyres on my car. 有人把我的汽车轮胎割破了。
• He slashed the bark off the tree with his knife. 他用刀把树皮从树上砍下。 来自《简明英汉词典》

4 advisers   

顾问，劝告者( adviser的名词复数 )； （指导大学新生学科问题等的）指导教授

参考例句：

• a member of the President's favoured circle of advisers 总统宠爱的顾问班子中的一员
• She withdrew to confer with her advisers before announcing a decision. 她先去请教顾问然后再宣布决定。

5 tout   

v.推销，招徕；兜售；吹捧，劝诱

参考例句：

• They say it will let them tout progress in the war.他们称这将有助于鼓吹他们在战争中的成果。
• If your case studies just tout results,don't bother requiring registration to view them.如果你的案例研究只是吹捧结果，就别烦扰别人来注册访问了。

6 economist   

n.经济学家，经济专家，节俭的人

参考例句：

• He cast a professional economist's eyes on the problem.他以经济学行家的眼光审视这个问题。
• He's an economist who thinks he knows all the answers.他是个经济学家，自以为什么都懂。

7 advisory   

adj.劝告的，忠告的，顾问的，提供咨询

参考例句：

• I have worked in an advisory capacity with many hospitals.我曾在多家医院做过顾问工作。
• He was appointed to the advisory committee last month.他上个月获任命为顾问委员会委员。

8 implicated   

adj.密切关联的；牵涉其中的

参考例句：

• These groups are very strongly implicated in the violence. 这些组织与这起暴力事件有着极大的关联。 来自《简明英汉词典》
• Having the stolen goods in his possession implicated him in the robbery. 因藏有赃物使他涉有偷盗的嫌疑。 来自《现代汉英综合大词典》

9 costly   

adj.昂贵的，价值高的，豪华的

参考例句：

• It must be very costly to keep up a house like this.维修这么一幢房子一定很昂贵。
• This dictionary is very useful,only it is a bit costly.这本词典很有用，左不过贵了些。

10 affordability   

可购性

参考例句：

• Performance-Based Logistics Affordability: Can We Afford Categorical Conversion to Performance-Based Acquisition? 基于性能的后期的可承受性：能否担负得起向基于性能的采办的无条件的转变？
• There would be no crisis of affordability, as't for food or clothing. 就想食物与服装一样，因为供给没有危机。

11 tightened   

收紧( tighten的过去式和过去分词 )； （使）变紧； （使）绷紧； 加紧

参考例句：

• The rope holding the boat suddenly tightened and broke. 系船的绳子突然绷断了。
• His index finger tightened on the trigger but then relaxed again. 他的食指扣住扳机，然后又松开了。

12 cosy   

adj.温暖而舒适的，安逸的

参考例句：

• We spent a cosy evening chatting by the fire.我们在炉火旁聊天度过了一个舒适的晚上。
• It was so warm and cosy in bed that Simon didn't want to get out.床上温暖而又舒适，西蒙简直不想下床了。

13 curb   

n.场外证券市场，场外交易；vt.制止，抑制

参考例句：

• I could not curb my anger.我按捺不住我的愤怒。
• You must curb your daughter when you are in church.你在教堂时必须管住你的女儿。

14 oversight   

n.勘漏，失察，疏忽

参考例句：

• I consider this a gross oversight on your part.我把这件事看作是你的一大疏忽。
• Your essay was not marked through an oversight on my part.由于我的疏忽你的文章没有打分。

15 corporate   

adj.共同的，全体的；公司的，企业的

参考例句：

• This is our corporate responsibility.这是我们共同的责任。
• His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。

16 coalition   

n.结合体，同盟，结合，联合

参考例句：

• The several parties formed a coalition.这几个政党组成了政治联盟。
• Coalition forces take great care to avoid civilian casualties.联盟军队竭尽全力避免造成平民伤亡。

17 labor   

n.劳动，努力，工作，劳工；分娩；vi.劳动，努力，苦干；vt.详细分析；麻烦

参考例句：

• We are never late in satisfying him for his labor.我们从不延误付给他劳动报酬。
• He was completely spent after two weeks of hard labor.艰苦劳动两周后，他已经疲惫不堪了。

18 enact   

vt.制定(法律)；上演，扮演

参考例句：

• The U.S. Congress has exclusive authority to enact federal legislation.美国国会是唯一有权颁布联邦法律的。
• For example,a country can enact laws and economic policies to attract foreign investment fairly quickly.例如一个国家可以很快颁布吸引外资的法令和经济政策。