4. 嚴(yán)懲違規(guī)者，給企業(yè)和消費(fèi)者一些公道

????或許,，最終的解決方式是向華爾街發(fā)出一個(gè)明確的信號(hào),，糊弄企業(yè)和消費(fèi)者絕不可接受。

????Libor丑聞已經(jīng)引發(fā)了一宗涉及多家銀行的集體訴訟,，指控巴克萊,、美國(guó)銀行（Bank of America）、匯豐銀行（HSBC）,、摩根大通（JP Morgan）和瑞銀（UBS）等銀行合謀操縱Libor,，令很多城市損失了數(shù)百萬(wàn)美元。巴爾的摩是此項(xiàng)訴訟的第一原告,，該市市長(zhǎng)斯蒂芬?妮羅林斯-布萊克對(duì)華爾街可疑交易提起了訴訟,，聲稱銀行家合謀操縱利率的直接后果是消防員、老年服務(wù),、學(xué)校教育和其他公眾服務(wù)的預(yù)算遭遇縮水,。

????這不是巴爾的摩第一次叫板華爾街。四年前,，巴爾的摩對(duì)富國(guó)銀行（Wells Fargo）提起了訴訟,，指控該行歧視非洲裔和拉美裔按揭貸款人,。該案已于本月早些時(shí)候達(dá)成了1.75億美元的和解，但它是否真的為貸款人討到了公道仍未可知,。畢竟,，富國(guó)銀行和很多其他面臨相似指控的銀行一樣，并沒(méi)有承認(rèn)任何過(guò)錯(cuò),。

????當(dāng)然,，在巴克萊因試圖操縱Libor而被處以4.5億美元罰款后，前CEO鮑勃?戴蒙德和其他高管已相繼辭職,。而且,，據(jù)路透社周一報(bào)道稱，美國(guó)檢察官和歐洲監(jiān)管機(jī)構(gòu)不日將逮捕一些交易員,，指控他們合謀操縱利率,。這些案件的前景尚不明了。雖然調(diào)查顯示,，可能很快就會(huì)對(duì)銀行提起嚴(yán)重指控,，適當(dāng)?shù)慕鉀Q方案或許是除巴克萊外的其他銀行承認(rèn)過(guò)去有過(guò)不當(dāng)行為。

????譯者：早稻米

????4. Give Main Street some justice

????Perhaps the ultimate fix would be to send Wall Street a clear signal that messing with Main Street is simply unacceptable.

????The Libor scandal has brought about a class action lawsuit that alleges that banks including Barclays (BCS), Bank of America (BAC), HSBC (HBC), JP Morgan (JPM) And UBS (UBS) conspired to fix Libor, costing cities millions of dollars in the process. Baltimore is the lead plaintiff in the suit, with Mayor Stephanie Rawlings-Blake taking on Wall Street's shady dealings, arguing that firefighters, services for the elderly, school programs and other public services have suffered budget cuts as a direct result of actions of colluding bankers.

????This isn't the first time Baltimore has stood up against Wall Street. The city launched a lawsuit against Wells Fargo (WFC) four years ago that alleged the bank discriminated against black and Latino mortgage borrowers. That case was settled earlier this month in a $175 million settlement, but it's uncertain if justice has really been served. After all, the bank, like too many others faced with similar suits, admitted no wrongdoing.

????To be sure, former Barclays CEO Bob Diamond and other key executives resigned after the bank was tacked with a $450 million fine for attempting to manipulate Libor. And as Reuters reported Monday, U.S. prosecutors and European regulators are near arresting individual traders and charging them with colluding to manipulate interest rates. It remains to be seen what happens with these cases. While the investigations suggest that serious charges against banks could unravel soon, perhaps the proper fix is if other banks besides Barclays acknowledge they've been doing something very wrong.