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大卫·卡梅伦:关于同酬与经济稳定的发言系列(六)
标签:名人演说,中高级,大卫·卡梅伦,政治,政策,演讲,经济,英国,ITN
2007年9月,英保守党领导人大卫·卡梅伦在KPMG(毕马威,国际四大会计师事务所之一)的发言:提出除货币和财政政策以外的第三大举措:贷款政策,要求借贷双方以及政府都要积极行动,并强调了增加整个过程透明度的重要性。
But in the long-term, we need not just strong monetary policy and strong public finances, but a third dimension too: action on debt. Of course credit is a key part of a modern economy. For most of us, the ability to borrow helps us to manage our finances, and to realise our dreams. For most of us, credit cards are a convenience not a burden. Without mortgages, few people would be able to buy their home, and of course entrepreneurs borrow in order to turn a bright idea into the business successes of tomorrow, that is why I put such weight on economic stability and the importance of keeping interest rates low.
But both borrowers and lenders must be fully informed and act responsibly, and the Government must act responsibly too. Alistair Darling's remarks last week that banks need to think carefully about their lending decisions came after a decade of virtual silence about debt from both him and Gordon Brown. This Government has presided over a huge expansion of public and private debt without showing proper awareness of the risks involved.
Under Labour our economic growth has been built on a mountain of debt, and as any family knows, higher debt makes us more vulnerable to the unexpected. Alan Greenspan himself, recently appointed by Gordon Brown as his economic adviser, made exactly this point this morning when he said that 'Britain is more exposed' than the United States. In short, the increases in debt in the UK economy--- personal, corporate, and governmental, have added a new risk to economic stability. In terms of personal debt we now owe more than our entire national income, so now when interest rates go up, the impact on homeowners escalates. Mortgage payments are at their highest level for fifteen years, and add in the stealth tax rises, and real take-home pay for the average family is now falling.
Turning to government debt, even despite the world economic boom, Gordon Brown is now borrowing more than the entire schools budget. The IMF has said that this level of borrowing cannot continue.
So, again, what needs to be done? Clearly, a tighter and more transparent framework for monetary policy and fiscal policy will lead, over time, to healthier public finances. But what is the right approach to high personal debt? It is not enough for the Chancellor simply to talk about the need for common sense in banking.
We have called for greater transparency and for lenders to be allowed to talk to each other about a borrowers' credit history. For instance, instead of just notifying each other once a loan has gone wrong, they should be able to share information on how much someone has borrowed in total. This wouldn't require new regulation; in fact it is regulation that stops that from happening at the moment.

1.preside over
解析:管理,监控;指挥,负责
e.g. This Government has presided over a huge expansion of public and private
projects.

2.vulnerable
解析:易受伤的,易受责难的;有弱点的
e.g. They young girl looked very vulnerable.

3.stealth tax
解析:隐形税

4.IMF
解析:世界货币基金组织(the International Monetary Fund)

5.share information on something
解析:分享关于…的信息
e.g. This company wants to share information on labor standards with its customers.

6.in total
解析:总计, 合计
e.g. In total, there were two hundred visitors.

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