考研英语阅读理解中的文章，很多来自一些外刊杂志方面的题材。接下来，北京文都考研网为扩宽2020考研学子的知识面，整理了考研英语经济学人外刊:澳大利亚银行业的黑暗一面，供考生参考。
2020考研英语经济学人外刊:澳大利亚银行业的黑暗一面
A commission of inquiry reaches a damning verdict on Australia’s banks
澳大利亚的银行遭到了调查委员会的致命裁决
If a healthy banking system is dull, then Australia’s must be sick to the core. A royal commission with a broad remit to investigate abuses by the country’s financial institutions has found many troubling practices.
如果一个健康的银行体系是沉闷乏味的话，那么澳大利亚的银行体系一定是病入膏肓了。一个拥有广泛职能的皇家委员会对该国金融机构滥用职权的行为进行了调查，并发现了很多令人不安之处。
Hearings revealed that for years banks had hidden fees, charged money for non-existent services and docked charges from the dead.
据听证会透露，多年来，银行一直在收取隐性费用、对不存在的服务收取费用，并且还从死者身上克扣费用。
Financial advisers earned bonuses for channelling clients’ cash towards underperforming funds. Insurance companies flogged junk schemes to the poor or mentally disabled.
金融顾问将客户的现金引入到表现不佳的基金中，从而获得奖金。保险公司将垃圾保险兜售给穷人和智障人士。
Australia’s four biggest lenders saw their market capitalisation fall by an average of 16.3% while the commission was sitting, knocking A$66bn ($47.1bn) off their combined value.
在委员会介入调查期间，澳大利亚四大银行的市场总值下降了16.3%，总市值缩水了66亿澳元(约合471亿美元)。
In April the country’s biggest asset manager, AMP, sacked its chief executive and chairman after the inquiry heard that it had not only charged customers for advice that was never provided, but had lied to the regulators about it.
4月，澳大利亚最大的资产管理公司AMP解雇了其首席执行官和董事长，因为根据调查，该公司不仅就未提供的咨询服务向客户收取了费用，还向监管者撒了谎。
On February 4th Kenneth Hayne, the judge who led the inquiry, handed his final report to the government. Heads have rolled: the chairman and chief executive of National Australia Bank, which Mr Hayne singled out for particular criticism, have resigned.
2月4日，负责该调查的法官肯尼斯·海恩向政府递交了他的最终报告。已经有人受到了惩罚：受到海恩着重批评的澳大利亚国民银行的董事长兼首席执行官已经引咎辞职了。
The commissioner has asked regulators to investigate 24 possible breaches of civil or criminal law. Mr Hayne expressed particular disgust at those who gouged fees without providing services.
委员已经要求监管机构就24项可能违反民法或刑法的问题进行调查。海恩对那些未提供服务却收取费用的人尤为反感。
Almost A$1bn has already been paid in compensation to the victims. Offenders may have broken a law against “dishonest conduct in relation to a financial product or financial service”.
受害者已经收到了近10亿澳元的赔偿。违法者可能违反了“在金融产品或金融服务中存在不诚实行为”的法律。
The report said the Australian Securities and Investments Commission (ASIC), the corporate regulator, should consider the maximum penalties: large fines, or up to ten years in prison for individuals.
海恩的报告称，企业监管机构——澳大利亚证券投资委员会(ASIC)应该考虑判以最高处分：巨额罚款或高达十年的有期徒刑。
Thus Australia, a country widely regarded as having had a “good” financial crisis, with a stable, profitable banking system, may become one of the few places where bankers are jailed for institutional wrongdoing.
因此，澳大利亚这个普遍被认为有着“良好的”抵御金融危机能力的、拥有稳定有利的银行体系的国家，可能会成为少数几个因机构的不当行为而使银行家锒铛入狱的国家之一。
[重难点词汇]
verdict ['vɝdɪkt] n. 结论;裁定
channel ['tʃænl] vt. 引导，开导;形成河道 n. 通道;频道;沟渠;海峡
compensation [,kɑmpɛn'seʃən] n. 补偿;报酬;赔偿金
penalty ['pɛnəlti] n. 罚款，罚金;处罚
以上是北京文都考研网给出的“2020考研英语经济学人外刊:澳大利亚银行业的黑暗一面”，希望对备考2020考研英语的考生有所帮助!祝2020考研顺利!
推荐阅读：
