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These public-private distinctions are onerous -are offensive--to some people because it seems like the government is acting like a parent.
公共和私募公司之间的划分有些繁琐,对有些人来说有些冒犯的意味,监管机构像是在扮演父母的角色
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How can we prevent murderous schoolyard violence in children who have access to weapons,poor parental supervision, and a mean streak?"
如何防止校园暴力,这些暴力事件通常是由掌握武器，缺乏父母监管，或受到教唆的孩子引起的“
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Rather than have the government regulate, we have an industry organization that does it so that the government doesn't have to.
与其由政府出面监督,不如由行业监督组织去进行监管,因此不需政府出头
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I want to talk about government regulation of insurance because I said that was an important aspect of insurance.
我现在想讲一下政府对保险业的监管,因为我说过这是保险中很重要的一个方面
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That makes sense and it seems like getting rid of some of this division of regulatory agencies is very beneficial.
这样就变得更合理,也有利于解决两个不同的,监管机构的领域相相争问题。
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It's very hard to start an insurance company because you've got to meet the requirements of all fifty regulators.
开办保险公司是非常不容易的,因为你必须同时满足五十个州的监管要求
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They make the markets work because if you didn't have this there would be all kinds of crooks and bad actors.
监管使得市场有序运行,如果缺乏监管,市场就会充斥着不法商人
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I wanted to talk about another instance of regulation that is important in the united States but it's very poorly known.
我想谈谈另一种监管措施,在美国十分重要,但鲜为人知
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These are organizations that act like banks but are not called banks because they are not technically banks, so they escape regulation.
这些组织像银行一样运作,但它们不叫银行,因为从技术来讲,它们并不是银行,这使他们得以逃避监管
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It's talked about that there should be a federal government regulation of insurance but it's actually state regulators.
也有人认为应该建立国家层面的,保险业监管机构,但现在的情况仍是各州分开监管
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Moreover, we have regulators who have to regulate insurance companies and make sure that they have adequate capital.
此外监管机构,会规范保险公司的行为,并且确保其拥有充足的资金。
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I think that we to motivate a lot of our regulation of financial markets by the kinds of errors that people make.
因为人们犯下了种种错误,所以我们应当促进金融市场的监管
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They're essentially more risky and more-- regulators have to watch them more because they're standing at higher probability- a monoline--of some major disaster.
单线保险公司风险更大,监管机构对其监管更严,因为他们遇到危机的,可能性更大
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Insurance now, in the United States, is regulated not by the federal government but by insurance regulators in each of the fifty states.
如今,美国的保险业,并不是由联邦政府直接监管,而是由各个州的监管机构监管
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The only reason I believe that we have financial markets that work is because we have regulations.
之所以我相信金融市场能够,维持良好运转的唯一原因,就是金融监管的存在
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There was a severe crisis and so that again highlights the importance of having good bank regulation.
但这确实是一场严重的危机,也再一次强调了良好银行监管体系的重要性
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They make laws but the laws are not binding on anyone, they're just suggested laws or regulations.
他们编制法规,但是却没有强制意义,他们只是对法规或者监管进行建议
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There have to be regulators that are at least verifying that the insurance company is doing what it says it's going to do.
还必须有监管机构,以确保保险公司将会,履行承诺
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I think the enlightened view is that these things are absolutely essential to trust in the market.
长远来看,监管机构对于构建市场诚信极为重要
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I want to give you an example of SRO behavior and this is just one news story.
我举一个自律监管机构的例子,这事发生没有多久
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I think that what Paulson and Nason want to do is to create a separate business conduct agency that is aimed at consumer protection.
我认为鲍尔森和内森想做的,就是建立一个独立的商业行为监管机构,来保护消费者。
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The regulators do many things, but insurance regulators, most of all, are concerned with capital adequacy.
监管机构要顾及很多事情,但保险业监管机构,最为关心的是资本充足率
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It was an international convention that gave, what they called, risk-based capital requirements and recommended risk-based capital requirements to bank regulators around the world.
巴塞尔协议是一个国际公约,它制定了,风险资本要求,并且向各国的银行监管者,推荐风险资本要求
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It was organized by the SEC in 1973, but the SEC didn't want to do this job; they wanted it to be done privately.
而是由证交会创建于1973年,证交会不想接手该职责,希望由民间组织来监管
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So, we just have to keep improving our regulation and trying to make a deal with all of the problems as they come up.
因此,我们更该完善监管,我们应该想个应对问题的万全之策
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If they are our market stability regulator, you'd hope that they could do a better job.
如果政府成为了市场稳定性的监管者，我们希望他能做得更好。
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They tracked back who sold who shorted and who had sold just before--just at that time.
监管局追查出是谁卖出的,是谁在放消息前卖出股票
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Other countries have it centralized but in the U.S. it's split up over fifty states.
其他国家均实行国家统一监管,但美国却把监管权分给了各个州
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It was again --something was amiss -that you had the government deregulating and not watching.
同样是因为银行系统出了差错,政府解除监管,放任自由
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It's also about bank regulation, such as the Basel Accord, Basel I and Basel II.
还会讲到银行监管,比如巴塞尔协议和新巴塞尔协议
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