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巴尔通过科林 warren buffett has an elegant solution for the thorny problem of too-big-to-fail banks: put the bankers' bank accounts on the line.沃伦巴菲特有一个棘手的问题解决得优雅，大到失效银行：将上线的银行家的银行帐户。 buffett, the chairman of berkshire hathaway (brka, fortune 500), lashed out at the damage wrought by overpaid, unaccountable finance-industry bigwigs in h** annual letter to berkshire shareholders, released saturday.巴菲特的伯克希尔哈撒韦（布尔卡，财富500强）董事长抨击了由多付，他每年在伯克希尔股东的信中，星期六发表不负责任的金融业头面人物造成的损害。 buffett has been criticizing overreaching corporate managers and compla**ant directors for decades.巴菲特一直批评过头了几十年的企业经理和殷勤的董事。 but the question of how to motivate good corporate beh**ior has taken on new weight as washington debates reining in the financial giants whose m**steps brought the economy to its knees two years ago.但是，如何推动良好的企业行为的问题已作为华盛顿的失误在两年前提出的经济疲弱的金融巨头赖宁辩论新的重量。 the obama admin**tration last month proposed separating banks' proprietary trading activities from their federally subsidized deposit-gathering and lending ones.奥巴马**上月提出的从他们的联邦资助分开存放，收集和贷款的银行的自营买卖活动。 other proposed rules would increase the amount of capital banks hold against losses and how much cash they carry to deal with a surge of withdrawals.其他建议的规则将增加银行的资本额对持有多少现金损失和他们进行处理的提款潮。 but buffett said there's a simpler way to cap r**k-taking: forcing l****hly compensated ceos to take responsibility for assessing the r**ks at their firms -- and putting their own wealth at stake, to boot.不过巴菲特说，有一个简单的方法来第冒险：强制华丽补偿首席执行官采取了评估在其公司的风险责任 - 并把他们自己的财富在股权，启动。 "it ** the beh**ior of these ceos and directors that needs to be changed," he wrote. “这是这些ceo和董事的行为，需要改变，”他说。 "they h**e long benefitted from oversized financial carrots; some meaningful sticks now need to be employed as well." “他们有长期受惠超大金融胡萝卜，一些有意义的支现在需要受聘为好。” the comment reflects a theme that has run through buffett's letters to investors over the years: shareholders are best served by managers who think like owners.该评论反映了一个具有贯穿巴菲特的信件，多年来投资者：股东最好的管理者谁喜欢业主认为服务的主题。 more often, he has said, they are ill served by executives who instead pursue value-destroying mergers or pile up debt in a bid to boost returns.更多的时候，他说，他们生病送达主管谁，而不是追求价值的破坏兼并或堆放在债务企图以提高回报。 buffett, 79, ** the controlling shareholder at berkshire and has received $100,000 in annual salary for the past quarter-century.巴菲特79岁，是在berkshire的控股股东，并已获得的年薪在过去四分之一世纪10万元。 since he took over berkshire in 1965, the company's net worth has increased at a 20% compound annual rate.自从他1965年接手伯克希尔公司，该公司的净资产增长了20％的复合年增长率。 so it's no surpr**e when he heaps scorn on the bankers who made tens of millions of dollars annually as they steered their financial supertankers onto the rocks.所以毫不奇怪，他堆的银行家谁提出的数百万美元，每年的蔑视，因为他们在岩石上指导他们的经济超级油轮。 the four biggest financial "fiascoes" -- presumably including the bailouts of aig (aig, fortune 500), citigroup (c, fortune 500) and bank of america (bac, fortune 500) -- cost investors more than $500 billion, by buffett's count.四大金融“fiascoes” - 大概aig的救助计划，包括（美国国际集团，财富500），花旗集团（c财富500）和美国银行（bac，财富500） - 投资成本超过5000亿美元，由巴菲特的计数。 shareholders didn't cause those meltdowns, but "they h**e borne the burden, with 90% or more of the value of their holdings wiped out in most cases of failure," buffett wrote.股东并未造成的崩溃，但“他们所要负担90％的控股抹去他们在大多数情况下，失败的超时值或更多的负担，”巴菲特说。 "the ceos and directors of the failed companies, however, h**e largely gone unscathed." “的ceo和失败的公司的董事，但是，大体上已经消失毫发无损。” it's bad enough that corporate insiders escaped major financial harm in the bailout debacle.真是糟糕透了，企业内部人逃脱了这次救援行动的主要金融崩溃的伤害。 but some even managed to keep their jobs: while citi and bofa h**e shaken up their boards, 13 pre-bailout directors remain at the two banks.但是，有些人甚至设法保住他们的工作：虽然花旗和美国银行已经动摇了他们的议会，13前救助董事留在两家银行。 vikram pandit continues as ceo of citi, while ken lew** only recently stepped down as ceo of bank of america.维克拉姆班滴继续担任首席执行官，花旗集团，而肯刘易斯最近才辞去了美国银行的总裁。 consider too the modest toll paid by the execs who were behind two other major collapses of 2008, former bear stearns chairman jimmy cayne and longtime lehman brothers chief dick fuld.考虑太多的温和收费由高层谁背后的另外两个2008年，前贝尔斯登**麦凯恩和长期雷曼兄弟首席迪克福尔德支付了重大坍塌。 while both owned sizable amounts of company stock, neither by any means had the lion's share of h** wealth tied to the firm.尽管这两个庞大的国有公司股票的金额，都没有以任何方式了大部分的财富分享他的公司联系在一起。 fuld, for instance, sold nearly $500 million of lehman stock in the years leading up to the firm's september 2008 failure.福尔德，例如，销售领先的高达近几年美元的雷曼兄弟公司股票5.0亿的2008年9月失败。 and while bear's collapse cost cayne $1 billion, he was still worth $600 million after its march 2008 panic sale to jpmorgan chase.尽管贝尔斯登的崩溃成本凯恩10亿美元，他仍然是值得6亿美元后，2008年3月出售给摩根大通的恐慌。 thus the bill for the firms' lever-up-and-bet-big strategy was largely borne by smaller shareholders, including many employees, and the taxpayers who must now foot the bill for extraordinary ** aid extended later in 2008 to the rest of the financial sector.从而为公司的杠杆起来就打赌，大策略的草案，主要是由小股东承担，其中包括许多员工和纳税人谁现在必须作出特殊脚**援助法案在2008年晚些时候扩展到其它金融部门。 since the crash, the notion that executives should h**e more skin in the game has become commonplace.由于飞机坠毁的概念，即管理人员应该有更多的游戏中的皮肤已经变得很普遍。 big wall street firms such as goldman sachs (gs, fortune 500), which berkshire owns preferred shares of, and morgan stanley (ms, fortune 500) are now paying top executives largely in stock that must be held over a period of years, in the name of coupling r**k with reward.华尔街大型公司，如高盛证券（gs，财富500强），其中伯克希尔持有的优先股，以及摩根士丹利（ms，财富500），现在已见到的股票必须年满1年期间，举行了高层管理人员主要是奖励的耦合与风险的名称。 but officers' and directors' commitment to shareholders must go further, buffett said.但是，人员和董事对股东的承诺必须更进一步，巴菲特说。 boards that don't ins**t the ceo take responsibility for r**k management are "derelict" in their duty, buffett wrote.议会不坚持首席执行官采取风险管理的责任是“失职的责任”，巴菲特写道。 and in cases where a failure to act prudently results in ** ass**tance, "the financial consequences for [the ceo] and h** board should be severe."而在失败的情况下，以审慎行事的**援助的结果，他说：“[首席执行官]和他的董事会应该是严重的财政后果。” 20210311