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The housing market in the big cities is heating up again.
大城市房價再度飆漲。
Second-hand home sales started picking up again last year, and since Spring Festival, prices have soared.
去年二手房價有抬頭跡象，春節以后價格開始升高。
At the bottom of this renewed optimism for the property market has been a push by the central government to stimulate demand.
中央政府希望適度擴大房地產總需求，但人們對住房市場不樂觀。
This has included not only lending rate cuts but also reduction of minimum mortgage down payment from 30 percent to 20 percent for first-time home buyers.
不僅下調了貸款利率，首付也從30%下降到20%（首次購房者）。
But as things continue to heat up, the country’s central bank appears to be taking measures to avoid a housing bubble.
隨著房市升溫，央行采取措施謹防房地產泡沫。
Recently, the PBOC and the Shenzhen branch of the China Banking Regulatory Commission held a meeting with 20 commercial banks in Shenzhen
近日，中國人民銀行，銀監會（深圳部）與20家商業銀行在深圳召開會議，
to discuss risks related to mortgages held by homeowners in the southern city.
商討南部城市房貸市場風險。
Banks were told to conduct stress tests on their home loans due to concerns on the quality of debt and how this may lead the housing market to overheat.
因考慮貸款質量，以及對房產市場過熱影響，要求銀行對房貸進行壓力測試。
Regulators also said that they planned to audit banks that had extended home loans too quickly.
監管部門表示，計劃對房貸增長過快的銀行進行審核。
In Shenzhen, for instance, the price of new homes in February skyrocketed by more than 70 percent to 48,100 yuan per square meter year on year,
拿深圳舉例，二月份商品房價飆升到4.81萬每平，同比增長70%，
which is the highest price the southern city has ever seen.
達到南方最高價格。
The price of second-hand homes in Shenzhen also set a record with 52,600 yuan per square meter.
二手房價也創紀錄，達到5.26萬每平。
Regulators are also mulling over rules that would end the practice of homebuyers taking out loans to cover down payments.
為禁止用貸款付首付，監管部門正在制定政策。
Central bank vice governor Pan Gongsheng said non-bank lenders such as developers, real estate agents and p2p websites have increased risks to the financial system and the property market,
央行副行長潘功勝表示，像開發商、房屋中介、P2P信貸等非銀行借貸機構正在對金融系統，
saying they will not be allowed to run financing services without a license.
房地產市場構成威脅，稱無證經營者禁止從事金融服務。
Employees of banks in Shenzhen and Shanghai have also said regulators have asked them to step up their scrutiny on the sources of borrower’s down payments.
滬深等多家銀行職員表示，監管部門要求加強首付審查。
譯文屬可可英語原創，未經允許，不得轉載。
