because this is big time risk management.

因为这是一个生死攸关的风险管理
It has to be adjusted to deal with moral hazard and other things.

它必须进行调整从而应对道德风险等问题
I just want to mention right now, there's a bill being proposed

我要提一下康奈狄格州参议员克里斯·多德和
by our own Senator Chris Dodd--here from Connecticut--

巴尼·弗兰克提出了一项法律草案
and Barney Frank, which is not a bankruptcy bill.

它并不是一项破产法案
It's a bill--a bailout. They don't call it a bailout bill;

它是一项救助他们不称其为救助法案
they say it's not a bailout, but I call it a bailout bill

他们说这不是一项救助但我认为它是
to help people who can't pay their mortgages and

它帮助那些无法支付抵押贷款的人
they don't have to declare bankruptcy. What they want to do

他们无需宣布破产他们只需
is empower the Federal Housing Administration

授权联邦房产局
to guarantee loans--

担保贷款
to work out loans and guarantee them

解决贷款并担保他们