解决Libor定价缺陷的四大途径

4. 严惩违规者，给企业和消费者一些公道

    或许，最终的解决方式是向华尔街发出一个明确的信号，糊弄企业和消费者绝不可接受。

    Libor丑闻已经引发了一宗涉及多家银行的集体诉讼，指控巴克莱、美国银行（Bank of America）、汇丰银行（HSBC）、摩根大通（JP Morgan）和瑞银（UBS）等银行合谋操纵Libor，令很多城市损失了数百万美元。巴尔的摩是此项诉讼的第一原告，该市市长斯蒂芬•妮罗林斯-布莱克对华尔街可疑交易提起了诉讼，声称银行家合谋操纵利率的直接后果是消防员、老年服务、学校教育和其他公众服务的预算遭遇缩水。

    这不是巴尔的摩第一次叫板华尔街。四年前，巴尔的摩对富国银行（Wells Fargo）提起了诉讼，指控该行歧视非洲裔和拉美裔按揭贷款人。该案已于本月早些时候达成了1.75亿美元的和解，但它是否真的为贷款人讨到了公道仍未可知。毕竟，富国银行和很多其他面临相似指控的银行一样，并没有承认任何过错。

    当然，在巴克莱因试图操纵Libor而被处以4.5亿美元罚款后，前CEO鲍勃•戴蒙德和其他高管已相继辞职。而且，据路透社周一报道称，美国检察官和欧洲监管机构不日将逮捕一些交易员，指控他们合谋操纵利率。这些案件的前景尚不明了。虽然调查显示，可能很快就会对银行提起严重指控，适当的解决方案或许是除巴克莱外的其他银行承认过去有过不当行为。

    译者：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.