英语翻译八十年代即将结束时,越来越多的美国储蓄信贷社相继破产.当时情况非常糟糕,健全机构、制定有关法律已是刻不容缓.美国国会于1989年8月通过了《金融机构改革、复兴和整顿法案》（FIRREA）.该法案撤销了失职的联邦信宅贷款银行监事会（FHLBB）和联邦储蓄信贷保险公司（FSLIC）,并由新设立的储蓄社监督办公（OTS）和联邦存款保险公司取而代之.另外,还新成立了两家保险基金,即以商业银行为对象的银行保险基金（BIF）和以储蓄社为对象的储蓄联社保险基金（SAIF）.为了重组和管理资不抵债的储蓄信贷社,清算倒闭机构的资产,还设立了重组信托公司（RTC）.该法案提高了对储蓄信贷社的资本要求.与商业银行一样,对其核心资本的要求由原来的3%提高至8%（核心资本主要由股东和贷款损失提留组成）.同时,法案限制储蓄信贷社的业务范围,规定了储蓄信贷社总贷款所占的比例,并禁止其购买垃圾债券（junkbonds）.例如,该法案明文规定住宅贷款规模不得超过其资本的4倍.该法规还提高了监管机构的执行权限,以便他们能够解

At the end of the 1980s, more and more American savings credit clubs have bankruptcy. When the situation is very bad, perfect the institution, formulate relevant laws already is imperative. The congress of the United States in 1989 August through the financial institution reform, Renaissance and rectify act (FIRREA). The bill dismissed dereliction of federal letter curtilage loan bank supervisors (FHLBB) and the federal deposit insurance corporation (credit FSLIC), and the newly established savings club supervision office (offer OTS) and the federal deposit insurance corporation instead. Additional, still newly established two insurance fund, namely to commercial Banks as the object of bank insurance fund (BIF) and at savings club as the object of savings and its insurance fund (SAIF). In order to restructuring and management of credit assets liquidation clubs, savings institutions of assets, collapse has also established a restructuring trusts (RTC). The bill to the savings credit club increased capital requirements. And commercial Banks, as on its core capital requirements from originally of 3% increase to 8% (core capital mainly by the shareholders and loan losses more-retained composition). At the same time, bill limit the scope of business of savings credit clubs, stipulated the savings credit club of proportion of total loans, and banned it purchase junk bonds (junkbonds). For example, the act expressly housing loan scale shall not exceed their capital 4 times. The regulation has also raised the regulators execute rights, so that they can remove bad credit club manager position of savings, issuing stop ACTS of unfair competition command and make civil penalties decision. After three years, a year to the justice department 7500 yuan, used for funding investigation and appraisal bank fraud, the highest amount of the fine also increased greatl

In the 80s when soon finished, more and more American deposit credit society goes bankrupt one after another. At that time the situation was bad, the perfect organization, the formulation relevant law already was urgent. The United States Congress adopted "Financial organ Reform, Revival And Reorganization Bill" in August, 1989 (FIRREA). This bill abolished dereliction of duty's federal letter dwelling loan company board of supervisors (FHLBB) and the federal deposit credit Insurance company (FSLIC), and by the deposit society surveillance work which sets up newly (OTS) and Federal Deposit Insurance Corporation displaces. Moreover, but also has established two insurance funds newly, namely (BIF) and take the deposit society unites society the insurance fund take the Commercial bank as the object bank insurance fund as the object deposit (SAIF). In order to reorganize the deposit credit which society and manage is unable to pay debts with their assets, the settlement goes out of business the organization pro

When 80's would soon end, more and more of the United States saved letter loan the agency was successive to go bankrupt.The circumstance was very what a mess at that time, sound organization, establishment relevant the law was already urgent.The U.S. Congress approve 《financing institution reform, renew and restructure bill (FIRREA)》 in August, 1989.The bill dissolved delinquent in duty federal letter house loan bank the supervisor will(FHLBB) save letter loan insurance company(FSLIC) with federal, and the direct saved an agency by lately- established transact(OTS) and the federal deposit insurance company to replace.Also lately established two insurance funds moreover, namely take commercial bank as the bank insurance fund(BIF) of object and with save agency for object of saving and uniting agency insurance fund(SAIF).Don't arrive a saving of debt for the sake of the reorganization and the management property letter loan agency, clear up accounts the property of closing down the organization, also established to reorganize trust cooperation(RTC).The bill raised to the capital request that saves a letter loan agency.Is similar to commercial bank, as to it's the request of core capital is raised into 8% by original 3%.(the core capital is mainly lifted by the shareholder and the loan loss to stay to constitute)At the same time, the bill restriction saves the business scope of letter loan agency and stipulated to save to believe to lend an agency always loan have of proportion, and forbid its purchasing garbage bond(junkbonds).For example, the bill clear statement rules residence loan scale can not exceed it capital of 4 times.The laws still raised the performance legal power of taking charge of the organization, so that they can relieve badly a job of saving the letter loan agency agent and countersign to stop falsely be competition behavioral of order, and make decision that the civil case punishes.At later three years in, allocate funds 75,000,000 dollars for judiciary annually, used for cheating of survey and consultation bank behavior, the tallest penal sum quantity also gets a significant exaltation.

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At the end of the 1980s, more and more American savings credit clubs have bankruptcy. When the situation is very bad, perfect the institution, formulate relevant laws already is imperative. The congress of the United States in 1989 August through the financial institution reform, Renaissance and rectify act (FIRREA). The bill dismissed dereliction of federal letter curtilage loan bank supervisors (FHLBB) and the federal deposit insurance corporation (credit FSLIC), and the newly established savings club supervision office (offer OTS) and the federal deposit insurance corporation instead. Additional, still newly established two insurance fund, namely to commercial Banks as the object of bank insurance fund (BIF) and at savings club as the object of savings and its insurance fund (SAIF). In order to restructuring and management of credit assets liquidation clubs, savings institutions of assets, collapse has also established a restructuring trusts (RTC). The bill to the savings credit club increased capital requirements. And commercial Banks, as on its core capital requirements from originally of 3% increase to 8% (core capital mainly by the shareholders and loan losses more-retained composition). At the same time, bill limit the scope of business of savings credit clubs, stipulated the savings credit club of proportion of total loans, and banned it purchase junk bonds (junkbonds). For example, the act expressly housing loan scale shall not exceed their capital 4 times. The regulation has also raised the regulators execute rights, so that they can remove bad credit club manager position of savings, issuing stop ACTS of unfair competition command and make civil penalties decision. After three years, a year to the justice department 7500 yuan, used for funding investigation and appraisal bank fraud, the highest amount of the fine also increased greatly
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Near the ending of the Eighties,more and more savings and credit agency bankrupted one by one in United States.The situation was very terrible.The sound institutions make the law in urgency.In August ...