引发全球金融危机的银行获得了数十亿美元，但房主和这些银行掠夺性放贷行为的受害者们只得到了一小部分。
The banks that brought on the global financial crisis got billions while a tiny bit went to the homeowners and victims of the same banks' predatory lending practices.
自1991年以来，我一直在美国国家经济研究局与芝加哥大学的迪克·塞勒一起组织行为金融学研讨会。
I've been organizing workshops in behavioral finance at the National Bureau for Economic Research since 1991 with Dick Thaler at the University of Chicago.
这些事实与其说跟谁监管金融体系的关系有关，还不如说是跟当地法律和行为有关。
This record has less to do with who supervises the financial system than with local laws and behaviour.
造成的结果就是，金融市场正在对我们的行为加以约束，这的确很痛苦。
As a result, the financial market is imposing some discipline on our behavior, and it's painful.
但是，该金融机构仍一直在努力阻止对其行为的雪崩式批评。
But the financial institution has been struggling to stem an avalanche of criticism over its activities.
另一个广受欢迎的建议是改变金融机构间的激励结构，以此打压那些鲁莽的短期行为。
Another popular suggestion is to change the incentive structures within financial institutions to discourage reckless and short-term behaviour.
控制大银行的人将对“此行为削弱金融公司的全球竞争能力”展开争论。
Those who control the largest Banks will argue that such action would undermine financial firms' ability to compete globally.
无论相信与否，行为金融研究者发现投资者更倾向于前者，即使他们会将其引入劣等股票。
Believe it or not behavioral finance researchers have found many investors prefer the former - even though it leads to inferior stock-price performance.
美国商会表示将支持向消费者公开金融产品的风险，反对欺骗和掠夺行为。
The United States Chamber of Commerce says it supports disclosures to consumers about the risks of financial products and opposes fraudulent and predatory practices.
银行和金融业某些领域的鲁莽行为导致了经济的荣衰，这已经够糟糕了。
It is bad enough that recklessness in some areas of banking and finance led to economic boom and bust.
这种行为就是为什么金融市场需要重整，严格调控和监督的原因。
Such behavior is why financial markets require renewed, tough regulation and supervision.
过去两年曝光了世界金融机构的许多不当行为。
The past two years have exposed plenty of untoward behaviour at the world's financial institutions.
不具所有权的卖空行为被极度痛恨，某些金融证券经常被禁止卖空。
Selling "short", i.e. without prior ownership, is severely frowned upon and for government and certain financial securities periodically prohibited.
然而，在对待美国的金融地位这个问题上，华盛顿已经做出了极为自损的行为。
Nevertheless, Washington may have already administered a remarkable self-inflicted wound to the United States' financial standing.
更重要的是，这种行为可能给出一个美国金融管理的负面信号，使市场看低美国国债。
More important, she says it could send such a negative signal about America’s financial governance that it could make the markets inhospitable to American debt.
其中，欺诈行为的增长迅速：43%的犯罪受害者以及56%的金融行业从业者报告了这种增长。
Of these, fraud has shown a particularly sharp rise (see chart): 43% of all corporate victims of crime and 56% of those in financial services reported an increase.
就是这种金融市场的不负责任行为让法币在近100年里持续贬值。
It is this corrupt manipulation of the financial system and the economy that has totally destroyed the value of money in the last 100 years.
它说，金融市场行为，本质上，像一个巨大的计算机。
And it says that financial markets act, essentially, like a giant calculating machine.
她同时对行为金融学感兴趣，对我来说很很重要，因为这也是我的兴趣之一。
She is also interested in behavioral finance, which is great tome because that's one of my interests.
所有这些狂热的行为毫无疑问为金融业的中介商带来大笔收入。
All this frenetic activity has doubtless generated lots of income for middlemen in the financial sector.
同其他行业一样，金融业的主要监管者也是为自己的行为负责的人。
Finance, like any other industry, is chiefly regulated by people taking responsibility for their actions.
虽然不是每家金融公司或每个金融从业人员都对危机起到了促进作用，但显然有太多的人行为失当，部分产品的复杂程度达到了难以维系的水平。
While not every financial firm or employee contributed to the crisis, it is clear that too many acted improperly and some products were pushed to a level of unsustainable complexity.
因此，要评估上周事件对金融前景的影响，仍然要看以下这一点：市场是否存在过度行为？
So when assessing this week's fallout for our financial prospects, the question remains: is there excess in the market?
交易行为受金融规则限制，目的是为了保护客户、识别和检举违反相关法律的市场失当行为，例如内部交易。
The trading activity is subject to financial regulation whose objective is to protect clients, and identify and prosecute breaches of relevant laws on market misconduct, for example, insider trading.
行为金融学将是我这门课的主题，而且也是《非理性繁荣》这本书的主题。
This will be a theme of my course and also a theme of this book, Irrational Exuberance.
行为金融学将是我这门课的主题，而且也是《非理性繁荣》这本书的主题。
This will be a theme of my course and also a theme of this book, Irrational Exuberance.
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