????渣打銀行（Standard Chartered Bank）被控為伊朗洗錢一案是周三的市場(chǎng)焦點(diǎn)。按計(jì)劃,，這一天該行高管將與美國(guó)紐約州金融局（New York Department of Financial Services）局長(zhǎng)本杰明?洛斯基舉行會(huì)談,。（紐約州金融局于美國(guó)東部時(shí)間周二晚間發(fā)表聲明稱,，渣打銀行已同意支付3.4億美元的罰款，就該行隱瞞與伊朗相關(guān)交易的指控達(dá)成和解,。美國(guó)司法部,、財(cái)政部、美聯(lián)儲(chǔ)和曼哈頓地區(qū)檢察署等其他四家監(jiān)管部門的渣打洗錢案調(diào)查仍在繼續(xù),?！g注）

????上周，洛斯基單方面發(fā)起了對(duì)這家英國(guó)銀行的指控,，嚴(yán)厲斥責(zé)該行與伊朗實(shí)體進(jìn)行交易,，肆無(wú)忌憚地違反紐約州和聯(lián)邦的銀行業(yè)法規(guī)。

????洛斯基對(duì)渣打銀行發(fā)起的這場(chǎng)來(lái)勢(shì)洶洶的指控把同樣在調(diào)查渣打洗錢案的美聯(lián)儲(chǔ),、美國(guó)財(cái)政部和其他監(jiān)管部門甩在了身后,。歐洲監(jiān)管部門很快就開始對(duì)洛斯基發(fā)出譴責(zé)，當(dāng)然它們也對(duì)華盛頓的監(jiān)管部門表示了強(qiáng)烈的反感,。

????渣打顯然十分擔(dān)心其在紐約州的銀行業(yè)牌照被吊銷的可能性,。因此，協(xié)調(diào)所有監(jiān)管部門協(xié)商一項(xiàng)罰款的可行性看起來(lái)正在增加,。我對(duì)此怎么看,？

????戲演到這里就收?qǐng)霭伞?/p>

????我想我要代表英美兩國(guó)絕大多數(shù)的民眾告訴渣打：“收起你的錢吧。這次不會(huì)有什么罰款,。這是一項(xiàng)徹底的獨(dú)立調(diào)查,，目的就是要找出真相?！?/p>

????如果形勢(shì)就此一發(fā)不可收拾,，那就不可收拾吧。如果我們發(fā)現(xiàn)渣打沒(méi)有逃避美國(guó)的銀行業(yè)法規(guī),，那自然是好事一樁,，渣打也會(huì)變得更加強(qiáng)大。但如果我們發(fā)現(xiàn)我們的主要監(jiān)管部門對(duì)渣打行動(dòng)遲緩,，不管出于什么原因（或許是為了讓英國(guó)監(jiān)管部門給予美國(guó)金融機(jī)構(gòu)類似的待遇）,，那就把這些丑事都拿出來(lái)曬曬吧。

????我最不愿看到的就是罰款,。還不如對(duì)渣打分文不罰,，就是別再讓我們?cè)俅蚊稍诠睦铮瑢?duì)真相一無(wú)所知,。罰款的唯一作用就是掩蓋真相,。公眾已經(jīng)被蒙蔽得太久了，看夠了對(duì)美聯(lián)銀行（Wachovia）,、匯豐銀行（HSBC）,、巴克萊銀行（Barclays Bank）,、瑞銀（UBS）、高盛（Goldman Sachs）等大型金融公司的罰款,。如果一家銀行因?yàn)榕c像伊朗這樣的流氓國(guó)家進(jìn)行交易而被罰款,，他們支付的罰款也是滴著血的錢。這樣的罰款不僅不能重樹信心,，反而會(huì)對(duì)公眾的信心造成重創(chuàng)，因?yàn)檎嫦嗳匀槐谎谏w了,。

????什么能重樹信心呢,？真相。如果真相暴露了渣打內(nèi)部的丑惡交易以及監(jiān)管部門監(jiān)督不力,，那就暴露吧,。這樣的尷尬是有益的，更何況尷尬遠(yuǎn)不如重建全球經(jīng)濟(jì)信心來(lái)得重要,。真相的公布就像向我們的肺部注入新鮮空氣,，將讓公眾和全球經(jīng)濟(jì)恢復(fù)生氣。

????蒂姆?蓋特納,、本?伯南克,、默文?金恩和其他監(jiān)管部門的負(fù)責(zé)人都應(yīng)該辭職，這么長(zhǎng)時(shí)間了,，早該讓真相大白天下了,。

????會(huì)出現(xiàn)這種結(jié)果嗎？我并沒(méi)有屏息以待,，但我們對(duì)監(jiān)管部門,、金融機(jī)構(gòu)和市場(chǎng)信心的持續(xù)下降，這個(gè)代價(jià)遠(yuǎn)遠(yuǎn)高于對(duì)渣打或其他銀行開出的罰單,。

????拉里是華爾街資深人士,，曾在第一波士頓、貝爾斯登和聯(lián)邦銀行等銀行就職,。他的博客地址是www.senseoncents.com,。

????譯者：早稻米

????L'affaire Standard Chartered Bank (i.e., Iranian money laundering) takes center stage tomorrow with an expected meeting between senior bank executives and Benjamin Lawsky, superintendent of the New York Department of Financial Services.

????Recall that Lawsky just last week unilaterally castigated the UK-based bank for brazenly and wantonly eviscerating state and federal banking rules against dealing with Iranian entities.

????Lawsky one-upped the Federal Reserve, the U.S. Treasury and other regulators in his aggressive move against Standard Chartered. Regulators across the pond have been quick to condemn Lawsky and have certainly expressed their disgust to their counterparts in Washington.

????Standard Chartered clearly is very concerned about the possibility of having its New York banking license revoked. As such, the likelihood of a negotiated fine coordinated on behalf of all regulatory agencies would seem to be increasing. What do I think of that?

????Stop the music and the drama.

????I think I would speak for an overwhelming majority of the public both here in America and in the UK and tell Standard Chartered: "Keep your money. There will be no fine. What there will be is a thorough independent investigation in pursuit of the truth."

????If it gets ugly, so be it. If we learn that Standard Chartered did not end run our banking rules, then good for them and they will be stronger for it. If we learn that our major regulatory agencies were slow to move against Standard Chartered for whatever reason (perhaps in return for similar treatment by UK regulators in dealings with US-based institutions), let's air that laundry.

????The last thing I want to see is a fine. Better that Standard Chartered pays not a penny than we suffer again from not truly knowing and learning the truth. A fine only serves to suffocate the truth. The public has been suffocated enough by fines against the likes of Wachovia, HSBC, Barclays Bank, UBS, Goldman Sachs and seemingly every other major financial institution. When a bank is merely fined for dealing with a rogue nation such as Iran, that payment is nothing more than blood money. A fine does not rebuild confidence but erodes it dramatically because the public is aware that the truth remains under wraps.

????What rebuilds confidence? The truth. If the truth exposes ugly practices within Standard Chartered and similarly lax oversight from regulators, then so be it. A healthy serving of embarrassment is far less important than a rebuilding of trust and confidence for our global economy. In delivering the truth, the public and our global economy will be reinvigorated by fresh air filling our collective lungs.

????Tim Geithner, Ben Bernanke, Mervyn King and others should all stand down and at long last let the truth stand up.

????Will it happen? I'm not holding my breath — no pun intended — but the continued erosion of trust in our regulators, our financial institutions, and the markets comes with a price far greater than any fine that can be levied against Standard Chartered or any other bank.

????Larry is a Wall Street veteran, having worked at such banks as First Boston, Bear Stearns and Union Bank. He blogs at www.senseoncents.com