奥巴马英文演讲稿：签署金融改革法案[合集]

第一篇：奥巴马英文演讲稿：签署金融改革法案

THE pRESIDENT:

Well, good morning, everyone.AUDIENCE:Good morning.THE pRESIDENT:We are gathered in the heart of our nation’s capital, surrounded by memorials to leaders and citizens who served our nation in its earliest days and in its days of greatest trial.Today is such a time for America.Over the past two years, we have faced the worst recession since the Great Depression.Eight million people lost their jobs.Tens of millions saw the value of their homes and retirement savings plummet.Countless businesses have been unable to get the loans they need and many have been forced to shut their doors.And although the economy is growing again, too many people are still feeling the pain of the downturn.Now, while a number of factors led to such a severe recession, the primary cause was a breakdown in our financial system.It was a crisis born of a failure of responsibility from certain corners of Wall Street to the halls of power in Washington.For years, our financial sector was governed by antiquated and poorly enforced rules that allowed some to game the system and take risks that endangered the entire economy.Unscrupulous lenders locked consumers into complex loans with hidden costs.Firms like AIG placed massive, risky bets with borrowed money.And while the rules left abuse and excess unchecked, they also left taxpayers on the hook if a big bank or financial institution ever failed.Now, even before the crisis hit, I went to Wall Street and I called for common-sense reforms to protect consumers and our economy as a whole.And soon after taking office, I proposed a set of reforms to empower consumers and investors, to bring the shadowy deals that caused this crisis into the light of day, and to put a stop to taxpayer bailouts once and for all.(Applause.)Today, thanks to a lot of people in this room, those reforms will become the law of the land.For the last year, Chairmen Barney Frank and Chris Dodd have worked day and night--(applause)--Barney and Chris have worked day and night to bring about this reform.And I am profoundly grateful to them.I would be remiss if I didn't also express my appreciation to Senator Harry Reid and Speaker Nancy pelosi for their leadership.It wouldn’t have happened without them.(Applause.)

passing this bill was no easy task.To get there, we had to overcome the furious lobbying of an array of powerful interest groups and a partisan minority determined to block change.So the members who are here today, both on the stage and in the audience, they have done a great service in devoting so much time and expertise to this effort, to looking out for the public interests and not the special interests.(Applause.)And I also want to thank the three Republican senators who put partisanship aside--(applause)--judged this bill on the merits, and voted for reform.We’re grateful to them.(Applause.)And the Republican House members.(Applause.)Good to see you, Joe.(Applause.)

Now, let’s put this in perspective.The fact is, the financial industry is central to our nation’s ability to grow, to prosper, to compete and to innovate.There are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right--and do right--by their customers.This reform will help foster

innovation, not hamper it.It is designed to make sure that everybody follows the same set of rules, so that firms compete on price and quality, not on tricks and not on traps.It demands accountability and responsibility from everyone.It provides certainty to everybody, from bankers to farmers to business owners to consumers.And unless your business model depends on cutting corners or bilking your customers, you’ve got nothing to fear from reform.(Applause.)

Now, for all those Americans who are wondering what Wall Street reform means for you, here’s what you can expect.If you’ve ever applied for a credit card, a student loan, or a mortgage, you know the feeling of signing your name to pages of barely understandable fine print.What often happens as a result is that many Americans are caught by hidden fees and penalties, or saddled with loans they can’t afford.That’s what happened to Robin Fox, hit with a massive rate increase on her credit card balance even though she paid her bills on time.That’s what happened to Andrew Giordano, who discovered hundreds of dollars in overdraft fees on his bank statement –-fees he had no idea he might face.Both are here today.Well, with this law, unfair rate hikes, like the one that hit Robin, will end for good.(Applause.)And we’ll ensure that people like Andrew aren’t unwittingly caught by overdraft fees when they sign up for a checking account.(Applause.)

With this law, we’ll crack down on abusive practices in the mortgage industry.We’ll make sure that contracts are simpler-– putting an end

to many hidden penalties and fees in complex mortgages-– so folks know what they’re signing.With this law, students who take out college loans will be provided clear and concise information about their obligations.And with this law, ordinary investors-– like seniors and folks saving for retirement –-will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.So, all told, these reforms represent the strongest consumer financial protections in history.(Applause.)In history.And these

protections will be enforced by a new consumer watchdog with just one job:looking out for people-– not big banks, not lenders, not investment houses-– looking out for people as they interact with the financial system.And that’s not just good for consumers;that’s good for the economy.Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble.And it will mean all companies will have to seek customers by offering better products, instead of more deceptive ones.Now, beyond the consumer protections I’ve outlined, reform will also rein in the abuse and excess that nearly brought down our financial system.It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis.Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of failure.And finally, because of this law, the American people will never again be asked to foot the bill for Wall Street’s mistakes.(Applause.)There will be no more tax-funded bailouts--period.(Applause.)If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy.And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we don’t have another AIG.That's what this reform will mean.Now, it doesn’t mean our work is over.For these new rules to be effective, regulators will have to be vigilant.We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe.No law can force anybody to be responsible;it’s still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their businesses.The fact is every American-– from Main Street to Wall Street –-has a stake in our financial system.Wall Street banks and firms invest the capital that makes it possible for start-ups to sell new products.They provide loans to businesses to expand and to hire.They back mortgages for families purchasing a new home.That’s why we’ll all stand to gain from these reforms.We all win when investors around the world have confidence in our markets.We all win when shareholders have more power and more information.We all win when consumers are protected against abuse.And we all win when folks are rewarded based on how well they perform, not how well they evade accountability.In the end, our financial system only works –-our market is only free –-when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system.And that’s what these reforms are designed to achieve--no more, no less.Because that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions-– that it works for all of us.This is the central lesson not only of this crisis but of our history.Ultimately, there’s no dividing line between Main Street and Wall Street.We rise or fall together as one nation.So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future.And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day possible.Thank you very much, everybody.(Applause.)

(The bill is signed.)(Applause.)

第二篇：奥巴马英文演讲稿

奥巴马英文演讲稿：签署金融改革法案

THE PRESIDENT: Well, good morning, everyone.AUDIENCE: Good morning.THE PRESIDENT: We are gathered in the heart of our nation’s capital, surrounded by memorials to leaders and citizens who served our nation in its earliest days and in its days of greatest trial.Today is such a time for America.Over the past two years, we have faced the worst recession since the Great Depression.Eight million people lost their jobs.Tens of millions saw the value of their homes and retirement savings plummet.Countless businesses have been unable to get the loans they need and many have been forced to shut their doors.And although the economy is growing again, too many people are still feeling the pain of the downturn.Now, while a number of factors led to such a severe recession, the primary cause was a breakdown in our financial system.It was a crisis born of a failure of responsibility from certain corners of Wall Street to the halls of power in Washington.For years, our financial sector was governed by antiquated and poorly enforced rules that allowed some to game the system and take risks that endangered the entire economy.Unscrupulous lenders locked consumers into complex loans with hidden costs.Firms like AIG placed massive, risky bets with borrowed money.And while the rules left abuse and excess unchecked, they also left taxpayers on the hook if a big bank or financial institution ever failed.Now, even before the crisis hit, I went to Wall Street and I called for common-sense reforms to protect consumers and our economy as a whole.And soon after taking office, I proposed a set of reforms to empower consumers and investors, to bring the shadowy deals that caused this crisis into the light of day, and to put a stop to taxpayer bailouts once and for all.(Applause.)Today, thanks to a lot of people in this room, those reforms will become the law of the land.For the last year, Chairmen Barney Frank and Chris Dodd have worked day and night--(applause)--Barney and Chris have worked day and night to bring about this reform.And I am profoundly grateful to them.I would be remiss if I didn't also express my appreciation to Senator Harry Reid and Speaker Nancy Pelosi for their leadership.It wouldn’t have happened without them.(Applause.)Passing this bill was no easy task.To get there, we had to overcome the furious lobbying of an array of powerful interest groups and a partisan minority determined to block change.So the members who are here today, both on the stage and in the audience, they have done a great service in devoting so much time and expertise to this effort, to looking out for the public interests and not the special interests.(Applause.)And I also want to thank the three Republican senators who put partisanship aside--(applause)--judged this bill on the merits, and voted for reform.We’re grateful to them.(Applause.)And the Republican House members.(Applause.)Good to see you, Joe.(Applause.)Now, let’s put this in perspective.The fact is, the financial industry is central to our nation’s ability to grow, to prosper, to compete and to innovate.There are a lot of banks that understand and fulfill this vital role, and there are a whole lot of bankers who want to do right--and do right--by their customers.This reform will help foster innovation, not hamper it.It is designed to make sure that everybody follows the same set of rules, so that firms compete on price and quality, not on tricks and not on traps.It demands accountability and responsibility from everyone.It provides certainty to everybody, from bankers to farmers to business owners to consumers.And unless your business model depends on cutting corners or bilking your customers, you’ve got nothing to fear from reform.(Applause.)Now, for all those Americans who are wondering what Wall Street reform means for you, here’s what you can expect.If you’ve ever applied for a credit card, a student loan, or a mortgage, you know the feeling of signing your name to pages of barely understandable fine print.What often happens as a result is that many Americans are caught by hidden fees and penalties, or saddled with loans they can’t afford.That’s what happened to Robin Fox, hit with a massive rate increase on her credit card balance even though she paid her bills on time.That’s what happened to Andrew Giordano, who discovered hundreds of dollars in overdraft fees on his bank statement –-fees he had no idea he might face.Both are here today.Well, with this law, unfair rate hikes, like the one that hit Robin, will end for good.(Applause.)And we’ll ensure that people like Andrew aren’t unwittingly caught by overdraft fees when they sign up for a checking account.(Applause.)With this law, we’ll crack down on abusive practices in the mortgage industry.We’ll make sure that contracts are simpler-– putting an end to many hidden penalties and fees in complex mortgages-– so folks know what they’re signing.With this law, students who take out college loans will be provided clear and concise information about their obligations.And with this law, ordinary investors-– like seniors and folks saving for retirement –-will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.So, all told, these reforms represent the strongest consumer financial protections in history.(Applause.)In history.And these protections will be enforced by a new consumer watchdog with just one job: looking out for people-– not big banks, not lenders, not investment houses-– looking out for people as they interact with the financial system.And that’s not just good for consumers;that’s good for the economy.Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble.And it will mean all companies will have to seek customers by offering better products, instead of more deceptive ones.Now, beyond the consumer protections I’ve outlined, reform will also rein in the abuse and excess that nearly brought down our financial system.It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis.Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of failure.And finally, because of this law, the American people will never again be asked to foot the bill for Wall Street’s mistakes.(Applause.)There will be no more tax-funded bailouts--period.(Applause.)If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy.And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we don’t have another AIG.That's what this reform will mean.Now, it doesn’t mean our work is over.For these new rules to be effective, regulators will have to be vigilant.We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe.No law can force anybody to be responsible;it’s still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their businesses.The fact is every American-– from Main Street to Wall Street –-has a stake in our financial system.Wall Street banks and firms invest the capital that makes it possible for start-ups to sell new products.They provide loans to businesses to expand and to hire.They back mortgages for families purchasing a new home.That’s why we’ll all stand to gain from these reforms.We all win when investors around the world have confidence in our markets.We all win when shareholders have more power and more information.We all win when consumers are protected against abuse.And we all win when folks are rewarded based on how well they perform, not how well they evade accountability.In the end, our financial system only works –-our market is only free –-when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system.And that’s what these reforms are designed to achieve--no more, no less.Because that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions-– that it works for all of us.This is the central lesson not only of this crisis but of our history.Ultimately, there’s no dividing line between Main Street and Wall Street.We rise or fall together as one nation.So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future.And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day possible.Thank you very much, everybody.(Applause.)(The bill is signed.)(Applause.)【相关中文报道】

美国当地时间21日，美国金融监管进入新的时代。美国总统奥巴马正式签署了金融监管改革法案。在过去的一年多的时间里，奥巴马冲破重重阻力，终于使得这项盖着奥巴马烙印的金改法案在国会通过，成为法律。

这份金融改革法案全称《2010年华尔街改革和消费者保护法》，简称《多德—弗兰克法案》，被认为是20世纪30年代以来美国改革力度最大、影响最深远的金融监管改革。

改革后，将对美国最大型银行征收新的费用，并对其业务活动加以限制；对总额450万亿美元的衍生品市场实施新的限制；并将针对抵押贷款和信用卡产品建立一家新的个人消费者保护机构。

奥巴马在这项立法的签署仪式上表示：“金融改革不光对个人消费者来说是件好事，对美国经济来说也同样是件好事。通过这项法案不是一项容易的任务；为了实现这一目标，我们不得不克服了一系列强有力的利益团体猛烈的游说活动，以及决心阻碍改革的少数党派人士的反对意见。”

这项法案的获批使得奥巴马在控制华尔街金融公司的问题上取得了重大的胜利。（本段文字来源：经济观察网）奥巴马英文演讲稿：签署金融改革法案

With this law, we’ll crack down on abusive（辱骂的，滥用的）practices in the mortgage industry.We’ll make sure that contracts are simpler-– putting an end to many hidden penalties and fees in complex mortgages-– so folks know what they’re signing.With this law, students who take out college loans will be provided clear and concise information about their obligations.And with this law, ordinary investors-– like seniors and folks saving for retirement –-will be able to receive more information about the costs and risks of mutual funds and other investment products, so that they can make better financial decisions as to what will work for them.So, all told, these reforms represent the strongest consumer financial protections in history.(Applause.)In history.And these protections will be enforced by a new consumer watchdog with just one job: looking out for people-– not big banks, not lenders, not investment houses-– looking out for people as they interact with the financial system.And that’s not just good for consumers;that’s good for the economy.Because reform will put a stop to a lot of the bad loans that fueled a debt-based bubble.And it will mean all companies will have to seek customers by offering better products, instead of more deceptive（欺诈的，迷惑的）ones.Now, beyond the consumer protections I’ve outlined, reform will also rein in the abuse and excess that nearly brought down our financial system.It will finally bring transparency to the kinds of complex and risky transactions that helped trigger the financial crisis.Shareholders will also have a greater say on the pay of CEOs and other executives, so they can reward success instead of failure.And finally, because of this law, the American people will never again be asked to foot the bill（负担费用）for Wall Street’s mistakes.(Applause.)There will be no more tax-funded bailouts--period.(Applause.)If a large financial institution should ever fail, this reform gives us the ability to wind it down without endangering the broader economy.And there will be new rules to make clear that no firm is somehow protected because it is “too big to fail,” so we don’t have another AIG.That's what this reform will mean.Now, it doesn’t mean our work is over.For these new rules to be effective, regulators will have to be vigilant（警惕的，注意的）.We may need to make adjustments along the way as our financial system adapts to these new changes and changes around the globe.No law can force anybody to be responsible;it’s still incumbent on those on Wall Street to heed the lessons of this crisis in terms of how they conduct their businesses.The fact is every American-– from Main Street to Wall Street –-has a stake in our financial system.Wall Street banks and firms invest the capital that makes it possible for start-ups to sell new products.They provide loans to businesses to expand and to hire.They back mortgages for families purchasing a new home.That’s why we’ll all stand to gain from these reforms.We all win when investors around the world have confidence in our markets.We all win when shareholders have more power and more information.We all win when consumers are protected against abuse.And we all win when folks are rewarded based on how well they perform, not how well they evade（逃避）accountability.In the end, our financial system only works –-our market is only free –-when there are clear rules and basic safeguards that prevent abuse, that check excess, that ensure that it is more profitable to play by the rules than to game the system.And that’s what these reforms are designed to achieve--no more, no less.Because that’s how we will ensure that our economy works for consumers, that it works for investors, that it works for financial institutions-– that it works for all of us.This is the central lesson not only of this crisis but of our history.Ultimately, there’s no dividing line between Main Street and Wall Street.We rise or fall together as one nation.So these reforms will help lift our economy and lead all of us to a stronger, more prosperous future.And that’s why I’m so honored to sign these reforms into law, and I’m so grateful to everybody who worked so hard to make this day possible.Thank you very much, everybody.(Applause.)(The bill is signed.)(Applause.)END 11:48 A.M.EDT

(责任编辑：admin)

第三篇：奥巴马医疗改革演讲稿

奥巴马医疗改革演讲稿

Good evening, everybody.Tonight, after nearly 100 years of talk and frustration, after decades of trying, and a year of sustained effort and debate, the United States Congress finally declared that America’s workers and America’s families and

America’s small businesses deserve the security of knowing that here, in this country, neither illness nor accident should endanger the dreams they’ve worked a lifetime to achieve.Tonight, at a time when the pundits said it was no longer possible, we rose above the weight of our politics.We pushed back on the undue influence of special interests.We didn’t give in to mistrust or to cynicism or to fear.Instead, we proved that we are still a people capable of doing big things and tackling our biggest challenges.We proved that this government — a government of the people and by the people — still works for the people.I want to thank every member of Congress who stood up tonight with courage and conviction to make health care reform a reality.And I know this wasn’t an easy vote for a lot of people.But it was the right vote.I want to thank Speaker Nancy Pelosi for her extraordinary leadership, and Majority Leader Steny Hoyer and

Majority Whip Jim Clyburn for their commitment to getting the job done.I want to thank my outstanding Vice President, Joe Biden, and my wonderful Secretary of

Health and Human Services, Kathleen Sebelius, for their fantastic work on this issue.I want to thank the many staffers in Congress, and my own incredible staff in the White House, who have worked tirelessly over the past year with Americans of all walks of life to forge a reform package finally worthy of the people we were sent here to serve.Today’s vote answers the dreams of so many who have fought for this reform.To every unsung American who took the time to sit down and write a letter or type out an e-mail hoping your voice would be heard — it has been heard tonight.To the untold numbers who knocked on doors and made phone calls, who organized and mobilized out of a firm conviction that change in this country comes not from the top

down, but from the bottom up — let me reaffirm that conviction:This moment is possible because of you.Most importantly, today’s vote answers the prayers of every American who has hoped deeply for something to be done about a health care system that works for insurance companies, but not for ordinary people.For most Americans, this debate has never been about abstractions, the fight between right and left, Republican and Democrat — it’s always been about something far more personal.It’s about every American who knows the shock of opening an envelope to see that their premiums just shot up again when times are already tough enough.It’s about every parent who knows the desperation of trying to cover a child with a chronic illness only to be told “no” again and again and again.It’s about every small business owner forced to choose between insuring employees and staying open for business.They are why we committed ourselves to this cause.Tonight’s vote is not a victory for any one party — it’s a victory for them.It’s a victory for the American people.And it’s a victory for common sense.Now, it probably goes without saying that tonight’s vote will give rise to a frenzy of instant analysis.There will be tallies of Washington winners and losers,predictions about what it means for Democrats and Republicans, for my poll numbers, for my administration.But long after the debate fades away and the prognostication fades away and the dust settles, what will remain standing is not the government-run system some feared, or the status quo that serves the interests of the insurance industry, but a health care system that incorporates ideas from both parties — a system that works better for the American people.If you have health insurance, this reform just gave you more control by reining in the worst excesses and abuses of the insurance industry with some of the toughest consumer protections this country has ever known — so that you are actually getting what you pay for.If you don’t have insurance, this reform gives you a chance to be a part of a big purchasing pool that will give you choice and competition and cheaper prices for insurance.And it includes the largest health care tax cut for working families and

small businesses in history — so that if you lose your job and you change jobs, start that new business, you’ll finally be able to purchase quality, affordable care and the security and peace of mind that comes with it.This reform is the right thing to do for our seniors.It makes Medicare stronger and more solvent, extending its life by almost a decade.And it’s the right thing to do for our future.It will reduce our deficit by more than $100 billion over the next decade, and more than $1 trillion in the decade after that.So this isn’t radical reform.But it is major reform.This legislation will not fix everything that ails our health care system.But it moves us decisively in the right direction.This is what change looks like.Now as momentous as this day is, it’s not the end of this journey.On Tuesday, the Senate will take up revisions to this legislation that the House has embraced, and these are revisions that have strengthened this law and removed provisions that had no place in it.Some have predicted another siege of parliamentary maneuvering in order to delay adoption of these improvements.I hope that’s not the case.It’s time to bring this debate to a close and begin the hard work of implementing this reform properly on behalf of the American people.This year, and in years to come, we have a solemn responsibility to do it right.Nor does this day represent the end of the work that faces our country.The work of revitalizing our economy goes on.The work of promoting private sector job creation goes on.The work of putting American families’ dreams back within reach goes on.And we march on, with renewed confidence, energized by this victory on their behalf.In the end, what this day represents is another stone firmly laid in the foundation of the American Dream.Tonight, we answered the call of history as so many

generations of Americans have before us.When faced with crisis, we did not shrink from our challenge — we overcame it.We did not avoid our responsibility — we embraced it.We did not fear our future — we shaped it.Thank you, God bless you, and may God bless the United States of America.奥巴马政府医改的主要内容

（一）奥巴马的政策主张

奥巴马主张，对于那些已有保险并且感到满意的民众，这部分人的保险不必作任何改动；而是为那些对现有的制度不满意或者没有保险的人提供帮助。同时，奥巴马还极力主张加强由雇主来承担的医疗保健计划。

在医保覆盖方面，奥巴马明确提出要确保所有美国公民都能获得适当的医保覆盖，让医疗保健成为每个美国人都负担得起、享受得到的服务，但保留患者的选择权；并且要建立一项全美健康保险交换制度和一项新的公共卫生计划，提供一定程度的私人保险，比如没有提供医疗保险的小型公司员工，未受雇佣的个人可以通过美国联邦政府的这一制度获得保费合理的医疗保险。政府设立一个医疗保险计划市场，各个家庭可以在私人计划或是美国联邦医疗保险（Medicare）等政府新推出的计划中选择。

在医疗保险的可及性与公平性方面，奥巴马主张向低收入家庭提供补贴用于保险成本，向重病患者提供补贴帮助投保。家长必须为孩子投保，大公司必须提供保险，或是成立基金用于支付保险费。消除癌症患者和癌症幸存者之间的医疗保险差异，确保所有的人能够公平地购买到合理保费的私人保险。在医疗保健方面，奥巴马主张通过扩大贷款还款资助力度，提供适当的赔偿，保证培训课程开展，加强医疗保健工作队伍，加强基础建设以改善工作环境。奥巴马还承诺5年内支持癌症研究的预算将翻倍，有必要扭转近年来对该领域资助的停滞状态。

（二）医疗改革的目标

2009年9月9日，奥巴马在国会两院联席会议上发表讲话，阐述其医疗保健政策改革计划，呼吁推动这项改革措施，以拯救已经陷入危机多年的美国医保体系。奥巴马宣布，他的医疗改革计划要达到3个目标：一是给已有保险的人提供更多安全保障, 病人自费的额度将受到限制，这将通过对保险公司的严格立法实现。因为在新的改革方案下,保险公司因为投保人有既往病史而拒绝赔付,或因投保人生病而取消其保险计划或限制他们的保险范围均是违法行为。二是给没有保险的人提供在他们经济支付能力范围内的选择，新的医保计划要求每个人都有保险,这是权利,也是责任。如果个人和小企业负担不起现有的最低价格保险,政府将按照所需数额提供税收抵免。三是缓解医疗保健体系给美国家庭、企业和政府带来的开支增长。

（三）医改资金来源

2009年6月，奥巴马宣布了一项进一步投资3130亿美元的计划，以推动美国的医疗改革。这笔资金来自于削减现行的联邦针对老人和贫困人口的医疗照顾计划开支，而遭受这一变革冲击最大的是美国医院。而在此之前，还曾在递交给国会的财政预算中制定了总额为6350亿美元的医疗改革计划。这笔从联邦医保系统中削减出来的资金将用于老年人和穷人的医疗保健。

医疗改革实施后，在第一个十年内预计耗资9000亿美元，主要通过减少现有医疗保健体系资金浪费或滥用来筹集，其他费用则来自医药和保险公司的税收，不会增加纳税人的经济负担。

（四）政府在医疗服务市场的作用

奥巴马政府医保改革的焦点是要建立由政府主导的公共保险公司,奥巴马认为这是引进竞争、降低医保费用的关键。提供一个不以营利为目的的公共保险公司,主要是为了防止私营保险公司的滥权行为,其服务对象只针对那些没有保险的人。

（五）舆论评价

奥巴马虽然承诺扩大医疗覆盖面，改善医疗服务。但美国布鲁金斯学会的经济和医疗政策高级学者亨利.埃龙认为：虽然奥巴马政府的医疗改革目标明确，但也是困难重重。当前美国健康保健体系最大的问题是，很多人还没有健康保险，以及在这方面花费太多。以目前的情况看，这两大问题的解决很难取得进展。

第四篇：奥巴马_my_education_my_future_的英文演讲稿

Good morning,I would like to extend a warm welcome to president Barak Obama, secretary of Education ,Ally Dunken,White House staff,school board members,county board members, super intendent Dr.Patrid Muffi, Senior staff, Principal Rudolph Jackson，Wakefield faculty，and of course, my fellow classmates.I am honored to have been chosen to speak before my classmates as well as students across America today.Over the past three years, I have taken the advantage of every academic, extracurricular and community opportunity that has been presented to me.As I the scholar wrinting glad the better,being assigned to another class was an option.I was determined to excel.Therefore,I managed to succeed with an advancing class And maintaining focus along As I stand before my I want you to know that maybe handed to us,but as students, we must take responsibility for our future.We must take the ownership about what we want to learn.As senior The opportunitities, I would not be standing here before you to introduce the president of the United States as I not here

Just we are fortune to have president Barak Obama To speak to us.We are also fortune to

At this time, it is a great honor and pride to have everyone to stand to welcome the man who proved Yes,we can.Ladies and gentlemen ,please join me to welcome the president of the United States of America, Barak Obama.Hello everyoneand none of it will make a difference, none of it will matter unless all of you fulfill your responsibilities.Unless you show up to those schools;unless you pay attention to those teachers;unless you listen to your parents and grandparents and other adults;and put in the hard work it takes to succeed.And that's what I want to focus on today: the responsibility each of you has for your education.I want to start with the responsibility you have to yourself.Every single one of you has something that you're good at.Every single one of you has something to offer.And you have a responsibility to yourself to discover what that is.That's the opportunity an education can provide.Maybe you could be a great writerbut you might not know it until you write that English class paper that assigned to you.Maybe you could be an innovator or an inventorbut you might not know it until you do your project for your science class.Maybe you could be a mayor or a Senator or a Supreme Court Justice, but you might not know that until you join student government or the debate team.And no matter what you want to do with your lifeif you quit on schoolwhat you look like, where you come from, how much money you have, what you've got going on at homehundreds of extra hoursand to do everything you can to meet them.Your goal can be something as simple as doing all your homework, paying attention in class, or spending time each day reading a book.Maybe you'll decide to get involved in an extracurricular activity, or volunteer in your community.Maybe you'll decide to stand up for kids who are being teased or bullied because of who they are or how they look, because you believe, like I do, that all kids deserve a safe environment to study and learn.Maybe you'll decide to take better care of yourself so you can be more ready to learn.And along those lines, I hope you'll all wash your hands a lot, and stay home from school when you don't feel well, so we can keep people from getting the flu this fall and winter.Whatever you resolve to do, I want you to commit to it.I want you to really work at it.I know that sometimes, you get the sense from TV that you can be rich and successful without any hard work--that your ticket to success is through rapping or basketball or being a reality TV star, when chances are, you're not going to be any of those things.But the truth is, being successful is hard.You won't love every subject you study.You won't click with every teacher.Not every homework assignment will seem completely relevant to your life right this minute.And you won't necessarily succeed at everything the first time you try.That's OK.Some of the most successful people in the world are the ones who've had the most failures.JK Rowling's first Harry Potter book was rejected twelve times before it was finally published.Michael Jordan was cut from his high school basketball team, and he lost hundreds of games and missed thousands of shots during his career.But he once said, “I have failed over and over and over again in my life.And that is why I succeed.”

These people succeeded because they understand that you can't let your failures define youa parent, grandparent or teacher;a coach or counselordon't ever give up on yourself.Because when you give up on yourself, you give up on your country.The story of America isn't about people who quit when things got tough.It's about people who kept going, who tried harder, who loved their country too much to do anything less than their best.It's the story of students who sat where you sit 250 years ago, and went on to wage a revolution and found this nation.Students who sat where you sit 75 years ago who overcame a Depression and won a world war;who fought for civil rights and put a man on the moon.Students who sat where you sit 20 years ago who founded Google, Twitter and Facebook and changed the way we communicate with each other.So today, I want to ask you, what's your contribution going to be? What problems are you going to solve? What discoveries will you make? What will a president who comes here in twenty or fifty or one hundred years say about what all of you did for this country? Your families, your teachers, and I are doing everything we can to make sure you have the education you need to answer these questions.I'm working hard to fix up your classrooms and get you the books, equipment and computers you need to learn.But you've got to do your part too.So I expect you to get serious this year.I expect you to put your best effort into everything you do.I expect great things from each of you.So don't let us down-don't let your family or your country or yourself down.Make us all proud.I know you can do it.Thank you, God bless you, and God bless America.

第五篇：奥巴马_my_education_my_future_的英文演讲稿

1.2.3.4.5.6.7.Hello everyoneat 4:30 in the morning.Now I wasn't too happy about getting up that early.A lot of times, I'd fall asleep right there at the kitchen table.But whenever I'd complain, my mother would just give me one of those looks and say, “This is no picnic for me either, buster.”

So I know some of you are still adjusting to being back at school.But I'm here today because I have something important to discuss with you.I'm here because I want to talk with you about your education and what's expected of all of you in this new school year.Now I've given a lot of speeches about education.And I've talked a lot about responsibility.I've talked about your teachers' responsibility for inspiring you, and pushing you to learn.I've talked about your parents' responsibility for making sure you stay on track, and get your homework done, and don't spend every waking hour in front of the TV or with that Xbox.I've talked a lot about your government's responsibility for setting high standards, supporting teachers and principals, and turning around schools that aren't working where students aren't getting the opportunities they deserve.But at the end of the day, we can have the most dedicated teachers, the most supportive parents, and the best schools in the worldmaybe even good enough to write a book or articles in a newspapermaybe even good enough to come up with the next iPhone or a new medicine or vaccineI guarantee that you'll need an education to do it.You want to be a doctor, or a teacher, or a police officer? You want to be a nurse or an architect, a lawyer or a member of our military? You're going to need a good education for every single one of those careers.You can't drop out of school and just drop into a good job.You've got to work for it and train for it and learn for it.And this isn't just important for your own life and your own future.What you make of your education will decide nothing less than the future of this country.What you're learning in school today will determine whether we as a nation can meet our greatest challenges in the future.You'll need the knowledge and problem-solving skills you learn in science and math to cure diseases like cancer and AIDS, and to develop new energy technologies and protect our environment.You'll need the insights and critical thinking skills you gain in history and social studies to fight poverty and homelessness, crime and discrimination, and make our nation more fair and more free.You'll need the creativity and ingenuity you develop in all your classes to build new companies that will create new jobs and boost our economy.We need every single one of you to develop your talents, skills and intellect so you can help solve our most difficult problems.If you don't do thatyou're not just quitting on yourself, you're quitting on your country.Now I know it's not always easy to do well in school.I know a lot of you have challenges in your lives right now that can make it hard to focus on your schoolwork.I get it.I know what that's like.My father left my family when I was two years old, and I was raised by a single mother who struggled at times to pay the bills and wasn't always able to give us things the other kids had.There were times when I missed having a father in my life.There were times when I was lonely and felt like I didn't fit in.So I wasn't always as focused as I should have been.I did some things I'm not proud of, and got in more trouble than I should have.And my life could have easily taken a turn for the worse.But I was fortunate.I got a lot of second chances and had the opportunity to go to college, and law school, and follow my dreams.My wife, our First Lady Michelle Obama, has a similar story.Neither of her parents had gone to college, and they didn't have much.But they worked hard, and she worked hard, so that she could go to the best schools in this country.16.17.18.19.20.21.Some of you might not have those advantages.Maybe you don't have adults in your life who give you the support that you need.Maybe someone in your family has lost their job, and there's not enough money to go around.Maybe you live in a neighborhood where you don't feel safe, or have friends who are pressuring you to do things you know aren't right.But at the end of the day, the circumstances of your lifethat's no excuse for neglecting your homework or having a bad attitude.That's no excuse for talking back to your teacher, or cutting class, or dropping out of school.That's no excuse for not trying.Where you are right now doesn't have to determine where you'll end up.No one's written your destiny for you.Here in America, you write your own destiny.You make your own future.That's what young people like you are doing every day, all across America.Young people like Jazmin Perez, from Roma, Texas.Jazmin didn't speak English when she first started school.Hardly anyone in her hometown went to college, and neither of her parents had gone either.But she worked hard, earned good grades, got a scholarship to Brown University, and is now in graduate school, studying public health, on her way to being Dr.Jazmin Perez.I'm thinking about Andoni Schultz, from Los Altos, California, who's fought brain cancer since he was three.He's endured all sorts of treatments and surgeries, one of which affected his memory, so it took him much longerto do his schoolwork.But he never fell behind, and he's headed to college this fall.And then there's Shantell Steve, from my hometown of Chicago, Illinois.Even when bouncing from foster home to foster home in the toughest neighborhoods, she managed to get a job at a local health center;start a program to keep young people out of gangs;and she's on track to graduate high school with honors and go on to college.Jazmin, Andoni and Shantell aren't any different from any of you.They faced challenges in their lives just like you do.But they refused to give up.They chose to take responsibility for their education and set goals for themselves.And I expect all of you to do the same.22.23.24.25.26.27.That's why today, I'm calling on each of you to set your own goals for your educationyou have to let them teach you.You have to let them show you what to do differently next time.If you get in trouble, that doesn't mean you're a troublemaker, it means you need to try harder to behave.If you get a bad grade, that doesn't mean you're stupid, it just means you need to spend more time studying.No one's born being good at things, you become good at things through hard work.You're not a varsity athlete the first time you play a new sport.You don't hit every note the first time you sing a song.You've got to practice.It's the same with your schoolwork.You might have to do a math problem a few times before you get it right, or read something a few times before you understand it, or do a few drafts of a paper before it's good enough to hand in.Don't be afraid to ask questions.Don't be afraid to ask for help when you need it.I do that every day.Asking for help isn't a sign of weakness, it's a 28.29.30.31.32.sign of strength.It shows you have the courage to admit when you don't know something, and to learn something new.So find an adult you trustand ask them to help you stay on track to meet your goals.And even when you're struggling, even when you're discouraged, and you feel like other people have given up on youdon't let your family or your country or yourself down.Make us all proud.I know you can do it.Thank you, God bless you, and God bless America.