Bowman, Confirmation hearing

美联储理事Bowman在参议院的听证会

2019/06/05 05:32
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Chairman Crapo, Ranking Member Brown, and members of the Committee, it has been just over a year since this Committee first recommended my nomination as a Federal Reserve Board Governor. While I am not the first community banker to serve on the Board, I am humbled by the opportunity you gave me to serve as the first Governor to fill the role the Congress designated for someone with community banking experience on the Federal Reserve Board. I am deeply honored the President has renominated me to serve in that capacity.

Crapo主席,首席成员Brown,以及委员会的成员们,自从这个委员会第一次推荐我作为联邦储备委员会理事的提名以来,已经有一年多了。虽然我不是第一个在联邦储备委员会任职的社区银行家,但你们给了我一个机会,让我成为国会任命的第一个在联邦储备委员会担任社区银行工作的人。我非常荣幸总统重新提名我担任这一职务。

I am also grateful to my family for their continued support. My husband, Wes, and our children, Jack and Audrey, are here with me today. The rest of my family are watching from home in Kansas.

我也感谢我的家人一直以来对我的支持。我的丈夫韦斯,还有我们的孩子杰克和奥黛丽,今天也和我在一起。我的家人都在堪萨斯的家里观看。

Since my confirmation last year, I have worked to fulfill my unique role on the Board by traveling widely and listening closely to community bankers, consumers, small business owners, and community leaders. I have visited with farmers, workers, and business leaders from across the country to discuss the economy. I am making sure these unique perspectives are represented in the Federal Reserve's deliberations and decision making on both monetary policy and regulatory matters.

自去年获得任命以来,我一直在努力履行我在董事会中独特的角色,广泛旅行,密切听取社区银行家、消费者、小企业业主和社区领导人的意见。我访问了来自全国各地的农民、工人和商界领袖,讨论了经济问题。我确信,这些独特的观点将体现在美联储对货币政策和监管事务的审议和决策中。

During my time at the Board, I have also drawn on my experience as a community banker and regulator to ensure that our work is guided by a deep understanding of the practical realities confronting bankers and the communities they serve across the country. The work done after the crisis to address the weaknesses in the U.S. financial system and ensure its future resilience was essential. However, during my time at my family's community bank, I saw firsthand how the regulatory changes created in the aftermath of the crisis impacted community financial institutions. Small, solid institutions like this one are essential to so many of our citizens and communities. As regulators, we need to ensure that we are not imposing unnecessary burdens on community banks. That is why one of my priorities as a Governor has been to appropriately tailor our supervision and regulation to the size, complexity, capacity, and risks posed by an institution.

在我担任董事会成员期间,我还借鉴了我作为社区银行家和监管者的经验,以确保我们的工作以对银行家及其服务的全国社区所面临的实际现实的深刻理解为指导。危机后为解决美国金融体系的弱点并确保其未来的韧性所做的工作至关重要。然而,在我的家族社区银行工作期间,我亲眼目睹了金融危机后监管改革对社区金融机构的影响。像这样的小型、坚实的机构对我们的许多公民和社区来说是必不可少的。作为监管者,我们需要确保我们没有给社区银行带来不必要的负担。正因为如此,我作为州长的首要任务之一,就是根据一个机构的规模、复杂性、能力和风险,对其进行适当的监管。

To further this effort, I recently formed a working group of experts from across the Federal Reserve System to launch a comprehensive review of our supervisory work with smaller regional and community banks. While serving as the Kansas State Bank Commissioner, I was committed to treating every consumer and institution fairly and respectfully and fostering open communication. This working group will follow those same principles. We are looking for ways to optimize our supervision and regulation to ensure it adapts to the on-the-ground realities of an evolving industry and changing consumer expectations while maintaining the safety and soundness of our banking system.

为了进一步推进这一努力,我最近成立了一个由来自整个联邦储备系统的专家组成的工作组,对我们与较小的地区性和社区银行的监管工作进行全面审查。在担任堪萨斯州立银行(Kansas State Bank)专员期间,我致力于公平、尊重地对待每一位消费者和机构,促进公开交流。本工作组将遵循同样的原则。我们正在寻找优化监管的方法,以确保我们的监管能够适应不断发展的行业和不断变化的消费者预期的实际情况,同时保持我们银行体系的安全和稳健。

Let me close by saying a few words about monetary policy and the Federal Reserve's dual mandate. As a community banker, it was my job to support local businesses and consumers. I draw upon this experience often when thinking about monetary policy, because it has given me a personal and practical understanding of how the Federal Reserve's goals of fostering maximum employment and stable prices directly affects individuals as well as the broader financial system and economy. The Congress has given the Federal Reserve independence to pursue these goals, because our work is critical to our economy, to businesses, to families, and to communities. I am deeply committed to fulfilling this mandate.

最后,我想简单谈谈货币政策和美联储的双重使命。作为一名社区银行家,我的工作是支持当地企业和消费者。在思考货币政策时,我经常会借鉴这一经验,因为它让我对美联储(fed)促进最大就业和稳定物价的目标如何直接影响个人以及更广泛的金融体系和经济,有了个人和实际的理解。国会赋予美联储追求这些目标的独立性,因为我们的工作对我们的经济、企业、家庭和社区至关重要。我坚决致力于完成这项任务。

If confirmed by the Senate, I will continue the important work I have begun and be committed to accountability, transparency, and clear communication in all of my responsibilities at the Federal Reserve. Thank you for the honor of this hearing, and I look forward to answering the Committee's questions.

如果得到参议院的批准,我将继续我已经开始的重要工作,并在我在美联储的所有职责中致力于问责制、透明度和清晰的沟通。感谢各位出席这次听证会,我期待着回答委员会的问题。

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