I am a consultant for banking institutions, hedge funds, asset managers.

我是银行机构、对冲基金、资产管理公司的顾问。

Things have steadily worsened as the year has gone on with companies going into administration, job losses, falling house prices and the collapse of banking institutions.

许多公司接受监管、失业率上涨、房价下跌、银行机构破产。

SAULE OMAROVA: In the Dodd-Frank Act, Congress said, we will look at large banking institutions above $50 billion in assets.

SAULE OMAROVA：国会表示，在《多德-弗兰克法案》中，我们将关注资产超过 500 亿美元的大型银行机构。

So we've discovered major banking institutions were operating with leverage of 40 or 50 to 1. And now that was obviously insane.

所以我们发现主要银行机构的杠杆率为 40 比 1 或 50 比 1。 现在这显然是疯狂的。

And what I mean by underbanked or unbanked -- unbanked is obvious, they don't have a relationship with a banking institution of any type.

我所说的银行服务不足或无银行账户的意思是显而易见的，他们与任何类型的银行机构都没有关系。

In the last several years, credit unions, community banks and major banking institutions have created low-cost, no-minimum checking and savings account products specifically made for this population.

在过去几年中， 信用合作社、社区银行和主要银行机构专门为这一人群开发了低成本、 无最低限额的支票和储蓄账户产品。

After the devastating effects of two different rounds of bank runs, central banks like the Federal Reserve have put in protections and regulations to keep banking institutions and their customers from falling victim to bank runs.

在经历了两轮不同银行挤兑的破坏性影响之后，美联储等中央银行出台了保护措施和监管规定，以防止银行机构及其客户成为银行挤兑的受害者。

Now, when you have individual stability and a banking institution, and you have access to credit, and when you have community wealth, those are all fantastic things, but we need also job creation.

现在，当你拥有个人稳定性和银行机构，你可以获得信贷， 当你拥有社区财富时， 这些都是很棒的事情，但我们还需要创造就业机会。