瑞银在英国遭创纪录重罚

　　UBS has been hit with the third-largest fine levied by the UK financial watchdog for failing to stop employees from using customer accounts to speculate in the foreign exchange and commodities markets.
　　瑞银(UBS)遭遇了英国金融监管机构处罚史上的第三大罚单，原因是该银行未能阻止雇员利用客户账户在外汇和大宗商品市场上进行投机。

　　After a UBS employee blew the whistle, an internal investigation revealed that a desk head and three other employees in the international wealth management business had been placing up to 50 unauthorised trades a day in 2006 and 2007, according to a final notice from the UK Financial Services Authority.
　　据英国金融服务管理局(FSA)的最后通知显示，在一名雇员举报后，瑞银开展了一项内部调查，发现在2006年和2007年，国际财富管理业务的一个部门主管和3名其他雇员每日进行至多50笔未经授权的交易。

　　The employees exploited loose controls on trade reporting to allocate their losses to customer accounts and repeatedly moved money around to hide their activities, the notice said. The activities led to client losses of nearly £26m ($43m) over a two-year period.
　　通知表示，这些雇员利用瑞银对交易报告放松的管制制度，将自己的损失分配到客户账户中，并一再转移资金以掩饰自己的活动。这些活动导致客户在两年时间内损失了近2600万英镑（合4300万美元）。

　　UBS has been fined £8m and has paid restitution of the losses to 39 customers. The employees involved no longer work at the firm. The FSA would not comment on their status, and the final notice did not say whether they profited from the trading.
　　瑞银被处罚款800万英镑，并向39位客户支付损失补偿。涉及此案的雇员已经不再在瑞银工作。FSA不愿对他们的情况作出置评，且最后通知也没有说明他们是否从交易中获利。

　　The FSA said the UBS traders took advantage of rules that allowed the international desk to wait up to 24 hours before specifying which account number they were trading for.
　　FSA表示，瑞银交易员利用了这样一条规定，即允许国际部门在指明自己交易的账号方面，可等上至多24小时。

　　The employees were also able to consolidate groups of trades into a single trade with an average price, hiding the number of trades and true prices. The employees were also able to cancel trades that had already been booked to one account and then rebook book them to another.
　　这些雇员还能将多组交易合并成只带有平均价格的单笔交易，从而掩饰交易的数量和真实的价格。他们还能删除已经登记到某个账户的交易，然后将它们再重新登记到另一个账户中去。

　　“These employees were able to take advantage of UBS's inadequate systems and controls, giving them free rein to make unauthorised trades with customer money that they were then able to conceal,” said Margaret Cole, FSA director of enforcement and financial crime.
　　FSA执法及金融犯罪主管玛格丽特•科尔(Margaret Cole)表示：“这些雇员能够利用瑞银制度与管制的缺陷，任意用客户的资金从事未经授权的交易，而事后还有能力进行掩饰。”
　　
　　译者/董琴