TED演讲:银行是如何被掏空的(6)

 And therefore, we have zero prosecutions¹, and of course, zero convictions,of any of the elite³ bank frauds, the Wall Street types, that drove this crisis.  因而，造成这场危机的华尔街顶尖银行诈骗犯们，没有一个被起诉，没有一个被定罪。

With no expertise⁴ coming from the regulators,  监管机构不愿伸出援手，

the FBI formed what it calls a partnership⁵ with the Mortgage Bankers Association in 2007.  联邦调查局2007年与抵押贷款银行家协会携起手来。

The Mortgage Bankers Association is the trade association of the perps.  抵押贷款银行家协会是这些祸首的行业组织。

And the Mortgage Bankers Association set out, it had the audacity⁶ and the success to con² the FBI.  抵押贷款银行家协会出手了，他们不仅有能力也有动机去欺骗联邦调查局。

It had created a supposed definition of mortgage fraud, in which, guess what,  抵押贷款银行家协会为抵押欺诈行为 下了个定义，不出所料，按照这个定义，

its members are always the victim and never the perpetrators.  这个协会的成员都是欺诈行为的受害者没一个是欺诈行为的加害者。

And the FBI has bought this hook, line, sinker, rod, reel and the boat they rode out in. 联邦调查局不疑有他照单全收。

And so the FBI, under the leadership of an attorney general who is African-American 就这样，在一个非裔司法部长和一个非裔美国总统的

and a president of the United States who is African-American, have adopted the Tea Party definition of the crisis 领导之下，联邦调查局完全相信了，茶党对这场危机的说辞

in which it is the first virgin⁷ crisis in history, conceived without sin in the executive ranks.  成了破天荒的“圣女生子案”，高管层人人清白。

And it's those oh-so-clever hairdressers who were able to defraud⁸ the poor, pitiful banks,who lack any financial sophistication. 问题出在狡猾的临时工身上，他们在欺骗穷人，他们在欺骗对金融行业一无所知的银行业者。

It is the silliest story you can conceive of, and so they go and they prosecute⁹ the hairdressers, and they leave the banksters alone entirely¹⁰.  这简直是最奇葩的谎话，然后他们把临时工抓起来了，银行家们毫发未损。

And so, while lions are roaming the campsite, the FBI is chasing mice.  就这样，满地西瓜，联邦调查局却在那里捡芝麻。

What do we need to do? What can we do in all of this?  我们该怎么办？面对这一切，我们能做什么？

We need to change the perverse¹¹ incentive¹² structures that produce these recurrent epidemics¹³ 我们需要改革不正常的激励机制，正是这种机制在催生一再出现的大面积

of accounting¹⁴ control fraud that are driving our crises.  会计管理欺诈行为，进而导致危机的发生。

So we have to first get rid of the systemically dangerous institutions. These are the so-called too-big-to-fail institutions.  第一，我们要排除这种具有系统性危险的金融机构。所谓尾大不掉的金融机构。

1 prosecutions   

起诉( prosecution的名词复数 )； 原告； 实施； 从事

参考例句：

• It is the duty of the Attorney-General to institute prosecutions. 检察总长负责提起公诉。
• Since World War II, the government has been active in its antitrust prosecutions. 第二次世界大战以来，政府积极地进行着反对托拉斯的检举活动。 来自英汉非文学 - 政府文件

2 con   

n.反对的观点，反对者，反对票，肺病；vt.精读，学习，默记；adv.反对地，从反面；adj.欺诈的

参考例句：

• We must be fair and consider the reason pro and con.我们必须公平考虑赞成和反对的理由。
• The motion is adopted non con.因无人投反对票，协议被通过。

3 elite   

n.精英阶层；实力集团；adj.杰出的，卓越的

参考例句：

• The power elite inside the government is controlling foreign policy.政府内部的一群握有实权的精英控制着对外政策。
• We have a political elite in this country.我们国家有一群政治精英。

4 expertise   

n.专门知识(或技能等)，专长

参考例句：

• We were amazed at his expertise on the ski slopes.他斜坡滑雪的技能使我们赞叹不已。
• You really have the technical expertise in a new breakthrough.让你真正在专业技术上有一个全新的突破。

5 partnership   

n.合作关系，伙伴关系

参考例句：

• The company has gone into partnership with Swiss Bank Corporation.这家公司已经和瑞士银行公司建立合作关系。
• Martin has taken him into general partnership in his company.马丁已让他成为公司的普通合伙人。

6 audacity   

n.大胆，卤莽，无礼

参考例句：

• He had the audacity to ask for an increase in salary.他竟然厚着脸皮要求增加薪水。
• He had the audacity to pick pockets in broad daylight.他竟敢在光天化日之下掏包。

7 virgin   

n.处女，未婚女子；adj.未经使用的；未经开发的

参考例句：

• Have you ever been to a virgin forest?你去过原始森林吗？
• There are vast expanses of virgin land in the remote regions.在边远地区有大片大片未开垦的土地。

8 defraud   

vt.欺骗，欺诈

参考例句：

• He passed himself off as the managing director to defraud the bank.他假冒总经理的名义诈骗银行。
• He is implicated in the scheme to defraud the government.他卷入了这起欺骗政府的阴谋。

9 prosecute   

vt.告发；进行；vi.告发，起诉，作检察官

参考例句：

• I am trying my best to prosecute my duties.我正在尽力履行我的职责。
• Is there enough evidence to prosecute?有没有起诉的足够证据？

10 entirely   

ad.全部地，完整地；完全地，彻底地

参考例句：

• The fire was entirely caused by their neglect of duty. 那场火灾完全是由于他们失职而引起的。
• His life was entirely given up to the educational work. 他的一生统统献给了教育工作。

11 perverse   

adj.刚愎的；坚持错误的，行为反常的

参考例句：

• It would be perverse to stop this healthy trend.阻止这种健康发展的趋势是没有道理的。
• She gets a perverse satisfaction from making other people embarrassed.她有一种不正常的心态，以使别人难堪来取乐。

12 incentive   

n.刺激；动力；鼓励；诱因；动机

参考例句：

• Money is still a major incentive in most occupations.在许多职业中，钱仍是主要的鼓励因素。
• He hasn't much incentive to work hard.他没有努力工作的动机。

13 epidemics   

n．流行病

参考例句：

• Reliance upon natural epidemics may be both time-consuming and misleading. 依靠天然的流行既浪费时间，又会引入歧途。
• The antibiotic epidemics usually start stop when the summer rainy season begins. 传染病通常会在夏天的雨季停止传播。

14 accounting   

n.会计，会计学，借贷对照表

参考例句：

• A job fell vacant in the accounting department.财会部出现了一个空缺。
• There's an accounting error in this entry.这笔账目里有差错。