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China's commercial banks are gaining more room in pricing and risk valuation in mortgage lending, the country's top financial regulators said on last Friday.
上周五，我國(guó)國(guó)家最高金融監(jiān)管機(jī)構(gòu)表示，中國(guó)商業(yè)銀行在抵押貸款的定價(jià)和風(fēng)險(xiǎn)評(píng)估方面正在變得更加靈活。
"Mortgage lending should be further encouraged, as it remains quite safe compared with corperate lending," said Zhou Xiaochuan, governor of the People's Bank of China, at the conference held by the Institute of International Finance in conjunction with the G20 Finance Ministers and Central Bank Governors Meeting.
在由國(guó)際金融研究所召開(kāi)的G20財(cái)長(zhǎng)和央行行長(zhǎng)聯(lián)合會(huì)議上，中國(guó)人民銀行行長(zhǎng)周小川說(shuō)：“應(yīng)當(dāng)進(jìn)一步鼓勵(lì)個(gè)人按揭貸款，因?yàn)榕c企業(yè)貸款相比，它仍然是相當(dāng)安全的。”
Zhou said individual mortgage loans in China account only for between 10 percent and 20 percent of total banking loans, "much lower than in some countries, where the ratio is between 40 percent and 50 percent".
周小川表示，中國(guó)的個(gè)人按揭貸款只占銀行總貸款的10%到20%。“與一些國(guó)家的40%到50%相比，比例還是相對(duì)偏低的。”
The recent move to ease credit terms in mortgage lending does lead to increased leverage, he said, but its leakage into the overall economy remains small.
他表示，最近出臺(tái)的放寬信用貸款的舉措確實(shí)會(huì)起到增加杠桿的作用，但其對(duì)整個(gè)經(jīng)濟(jì)來(lái)說(shuō)還是杯水車(chē)薪。
In response to recent concerns that China's ratio of debt to its economic size has been climbing, Zhou said the main problems don't stem from mortgage lending. "China should focus more on resolving the problem of high corporate leverage," said Zhou.
針對(duì)最近中國(guó)的債務(wù)占其經(jīng)濟(jì)規(guī)模的比率一直在攀升這一擔(dān)憂，周小川表示，主要問(wèn)題并不是由抵押貸款引起。他說(shuō)，“中國(guó)應(yīng)該著重解決企業(yè)的高杠桿問(wèn)題。”
The People's Bank of China and the China Banking Regulatory Commission announced this month that the minimum down payment for first-time homebuyers in some regions was being reduced from 25 percent to 20 percent, just five months after the authorities dropped the rate from 30 percent to 25 percent. Down payments required for second homes have been lowered from 40 percent to 30 percent.
中國(guó)人民銀行和中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)在本月宣布，某些地區(qū)的家庭第一套住房的最低首付比例將從25%下降到20%，而5個(gè)月前，這個(gè)比例才從30%下降到25%。二套房首付比例也從40%下降到了30%。
Zhou said a more efficient regulation system should be established to better evaluate the performances of banks, when they are given more flexibility to evaluate risks and pricing for different clients.
周小川說(shuō)，在為不同的客戶(hù)評(píng)估風(fēng)險(xiǎn)和定價(jià)時(shí)，應(yīng)當(dāng)給予銀行更多的靈活性，同時(shí)需建立一個(gè)更有效的監(jiān)管體系，以更好的評(píng)估銀行的表現(xiàn)。
