财经金融新闻 过热的成都房地产业

Warnings on an overheated real estate sector¹ are hardly new, but in Chengdu, bank regulators are taking a more assertive² stance on the prices of commercial properties.

房地产过热问题众所周知，然而，成都银监局对商业地产价格的立场更加坚定。

China Banking³ Regulatory Commission officials in Sichuan Province have asked to review data on the value of collateral⁴ for the commercial property sector in the provincial⁵ capital of Chengdu.

四川银监局的官员要求对成都商业地产的押品价值数据进行审核。

The request represents the first time the CBRC has asked for information on the collateral put down for commercial property, largely in the form of land and buildings. An employee at a local bank said banks have already submitted the data requested but the results have not been made public.

这也是银监会首次询问了商业地产的抵押情况，其中的大部分是土地和建筑。一名当地银行工作人员称，银行已经按照要求提交了抵押数据，而结果尚未公布。

The same bank employee said if the value of the collateral for the loan is lower than 30 percent of what it was assessed at, the loan itself will be categorized as non-performing.

这家银行的另一位工作人员称，如果抵押贷款的价值少于30%，那么贷款本身就属于不良贷款。

Government data shows that the city of Chengdu is suffering from an oversupply⁶ of commercial property, especially in office buildings. In the first quarter of this year, Chengdu's vacancy⁷ rate for office buildings hit 40.8 percent, up from 35.9 percent at the end of last year, reported Jones Lang LaSalle. The vacancy rates are expected to rise even further with new space hitting the market this year.

政府相关数据证明，成都的商业地产供过于求，特别是写字楼。今年第一季度，成都写字楼的空置率为40.8%，相比去年年底的35.9%来说有所增长，这是仲量联行测量师事务所的报告。今年，新楼盘或将让空置率再次上升。

Concerns on the health of the property sector in Chengdu were raised by the CBRC as early as 2013, with the Sichuan branch publishing a report which stated banks broke rules by lending to developers without specifying⁸ what the money should be used for, among other violations⁹.

早在2013年，银监会就对成都房地产业问题有所担心，当时四川银监局公布了一项报告，称当地银行违反规定，在没有说明资金用途的情况下贷款给开发商。

For Caixin Online, this is Diana Bates.

这是戴安娜·贝茨为您带来的财新新闻报道。

1 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

2 assertive   

adj.果断的，自信的，有冲劲的

参考例句：

• She always speaks an assertive tone.她总是以果断的语气说话。
• China appears to have become more assertive in the waters off its coastline over recent years.在近些年，中国显示出对远方海洋的自信。

3 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

4 collateral   

adj.平行的；旁系的；n.担保品

参考例句：

• Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
• Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。

5 provincial   

adj.省的，地方的；n．外省人，乡下人

参考例句：

• City dwellers think country folk have provincial attitudes.城里人以为乡下人思想迂腐。
• Two leading cadres came down from the provincial capital yesterday.昨天从省里下来了两位领导干部。

6 oversupply   

n.供应过量；v.过度供给

参考例句：

• The market softened because of oversupply.市场因供过于求而疲软。
• Overexpansion of tea fields has led to oversupply.茶园过度扩张，使得市场上逐渐供过于求。

7 vacancy   

n.（旅馆的）空位，空房，（职务的）空缺

参考例句：

• Her going on maternity leave will create a temporary vacancy.她休产假时将会有一个临时空缺。
• The vacancy of her expression made me doubt if she was listening.她茫然的神情让我怀疑她是否在听。

8 specifying   

v.指定( specify的现在分词 )；详述；提出…的条件；使具有特性

参考例句：

• When we describe what the action will affect, we are specifying the noun of the sentence. 当描述动作会影响到什么时，我们指定组成句子的名词。 来自About Face 3交互设计精髓
• Procurement section only lists opportunistic infection drugs without specifying which drugs. 采购部分只说明有治疗机会性感染的药物，但并没有说明是什么药物。 来自互联网

9 violations   

违反( violation的名词复数 )； 冒犯； 违反（行为、事例）； 强奸

参考例句：

• This is one of the commonest traffic violations. 这是常见的违反交通规则之例。
• These violations of the code must cease forthwith. 这些违犯法规的行为必须立即停止。