Hi, everybody. Here in America, we know the free market is the greatest force for economic progress the world has ever known.
大家好。众所周知，在美国自由市场是推动经济发展的最强动力。
But we also know the free market works best for everyone when we have smart, commonsense rules in place to prevent irresponsible behavior.
但我们也知晓，只有拥有严谨的基础规则来根除不负责任的行为，自由市场才能高效地运转。
That's why we passed tough reforms to protect consumers and our financial system from the kind of abuse that nearly brought our economy to its knees.
这就是为什么我们通过了一系列严厉改革措施来保护消费者和我们的金融系统，免受权力滥用的危害，这样的行为曾几乎搞垮我们的经济。
And that's why we've taken steps to end taxpayer-funded bailouts, and make sure businesses and individuals who do the right thing aren't undermined by those who don't.
这也就是为什么我们采取数项措施结束纳税人出资的紧急援助，并确保所有有责任的企业和个人不受那些无良企业和个人的侵害。
But it's not enough to change the law—we also need cops on the beat to enforce the law.
但改变法律远远不够，我们还需要执法严厉的警察。
And that's why, on Thursday, I nominated Mary Jo White to lead the Securities and Exchange Commission, and Richard Cordray to continue leading the Consumer Financial Protection Bureau.
而这也就是本周四我提名玛丽·乔·怀特担任证券交易委员会主任，提名理查德·科迪执掌消费者金融保护局的原因。
Mary Jo White has decades of experience cracking down on white-collar criminals and bringing mobsters and terrorists to justice.
玛丽·乔·怀特拥有数十年打击白领犯罪及将犯罪集团与恐怖份子绳之以法的经验。
At the SEC, she will help complete the task of reforming Wall Street and keep going after irresponsible behavior in the financial industry so that taxpayers don't pay the price.
而到了证券交易委员会，她将帮助我们完成华尔街改革的重任，并持续追查金融行业那些不负责任人的可耻行径，确保纳税人不会为此买单。
Richard Cordray is a champion for American consumers.
理查德·科迪是美国消费者的保护伞。
After the Senate refused to allow Richard an up-or-down vote when I nominated him in 2011, I took action to appoint him on my own.
自从2011年参议院拒绝我对理查德的提名进行投票表决之后，我行使自己的特权直接进行了任命。
And since then, he's helped protect Americans from predatory lenders, launched a "Know Before You Owe" campaign to help families make smart decisions about paying for college, and cracked down on credit card companies that charge hidden fees.
而从那时起，他帮助美国人民免受贪婪的放贷机构的欺诈，发起了一项“知晓贷款”的运动来帮助那些贷款支付大学学费的家庭做出明智的选择、打击收取隐性费用的信用卡公司。
But Richard's appointment runs out at the end of the year, and in order for him to stay on the job, the Senate needs to finally give him the vote he deserves.
但理查德的任命在今年年末即将到期，为了保住他的岗位，参议院应该给予他一次应得的投票任命。
As President, my top priority is simple: to do everything in my power to fight for middle-class families and give every American the tools they need to reach the middle class.
作为你们的总统，我的首要任务很简单：那就是在我的权力范围内尽自己最大努力为中产阶级争取利益，让每个美国人都有条件实现进入中产阶级的梦想。
That means bringing in people like Mary Jo and Richard whose job it is to stand up for you.
这意味着应该让玛丽·乔和理查德这样的人大家谋取福利。
It means encouraging businesses to create more jobs and pay higher wages, and improving education and job training so that more people can get the skills that businesses are looking for.
这意味着应该鼓励企业创造更多的就业机会，提高工资水平；改进教育和职业培训体系，以便更多的人能掌握企业需要的就业技能。
It means reforming our immigration system and keeping our children safe from the menace of gun violence.
这意味着改革我们的移民体制，让我们的儿童免受枪支暴力威胁。
And it means bringing down our deficit in a balanced way by making necessary reforms and asking every American to pay their fair share.
而这还意味着要进行必要的改革以平衡的方式降低我们的财政赤字，并且让每个美国人都承担自己应该承担的责任。
I am honored and humbled to continue to serve as your President.
我继满怀崇敬和谦卑之情任你们的总统。
And I am more hopeful than ever that four years from now—with your help—this country will be more prosperous, more open, and more committed to the principles on which we were founded.
对未来的四年我也充满希望，在你们的帮助之下，这个国家会变得更加繁荣，更加开放、更加尊崇我们的立国之本。
Thanks, and have a great weekend.
谢谢大家，祝你们周末愉快！
