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  3. With the nation’s financial system teetering on a cliff. The compensation arrangements for executives of the big banks and other

With the nation’s financial system teetering on a cliff. The compensation arrangements for executives of the big banks and other

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问题     With the nation’s financial system teetering on a cliff. The compensation arrangements for executives of the big banks and other financial firms are coming under close examination again.
    Bankers’ excessive risk-taking is a significant cause of this financial crisis and has continued, to others in the past, in this case, it was fueled by low interest rates and kept going by a false sense of security created by a debt-fueled bubble in the economy.
    Mortgage lenders gladly lent enormous sums to those who could not afford to pay them back dividing the laws and selling them off to the next financial institution along the chain, advantage of the same high-tech securitization to load on more risky mortgage-based assets.
    Financial regulation will have to catch up with the most irresponsible practices that led banks down in this road, in hopes averting the next crisis, which is likely to involve different financial techniques and different sorts of assets. But it is worth examining the root problem of compensation schemes that are tied to short-term profits and revenues, and thus encourage bankers to take irresponsible risks.
选项
答案 由于国家金融体制处于危机动荡的边缘，一些大银行和金融机构中的高级管理人员的补偿金计划受到密切关注。 银行家们过度冒险是导致金融危机至关重要的原因，在历史上也有类似情况。在这种情况下，一般是由低息引起并造成持续的错觉，其实是一种债务泡沫经济。 抵押贷款人很乐意把大量资金借给无力偿还的人，再将贷款分割，并沿这样的链条出售给下一个金融机构，这些做法都在利用高科技证券业，结果，却增加了抵押资产的风险。 金融管理规定必须能应对这种最不负责任的并导致银行损失惨重的做法，以期扭转下一个危机，而这下一个危机很可能包括有各种类型的金融技术和资产。但补偿金计划的根本问题值得审视，这个计划与眼前利益相关，因而导致银行家们不负责任地甘冒风险。
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