财经金融新闻 监管层和银行会商房贷风险

The housing market in the big cities is heating up again.

大城市房价再度飙涨。

Second-hand¹ home sales started picking up again last year, and since Spring Festival, prices have soared.

去年二手房价有抬头迹象，春节以后价格开始升高。

At the bottom of this renewed optimism for the property market has been a push by the central government to stimulate² demand.

中央政府希望适度扩大房地产总需求，但人们对住房市场不乐观。

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.

不仅下调了贷款利率，首付也从30%下降到20%（首次购房者）。

But as things continue to heat up, the country's central bank appears to be taking measures to avoid a housing bubble.

随着房市升温，央行采取措施谨防房地产泡沫。

Recently, the PBOC and the Shenzhen branch of the China Banking³ Regulatory Commission held a meeting with 20 commercial banks in Shenzhen

近日，中国人民银行，银监会（深圳部）与20家商业银行在深圳召开会议，

to discuss risks related to mortgages held by homeowners in the southern city.

商讨南部城市房贷市场风险。

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.

因考虑贷款质量，以及对房产市场过热影响，要求银行对房贷进行压力测试。

Regulators also said that they planned to audit⁴ banks that had extended home loans too quickly.

监管部门表示，计划对房贷增长过快的银行进行审核。

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,

拿深圳举例，二月份商品房价飙升到4.81万每平，同比增长70%，

which is the highest price the southern city has ever seen.

达到南方最高价格。

The price of second-hand homes in Shenzhen also set a record with 52,600 yuan per square meter.

二手房价也创纪录，达到5.26万每平。

Regulators are also mulling over rules that would end the practice of homebuyers taking out loans to cover down payments.

为禁止用贷款付首付，监管部门正在制定政策。

Central bank vice⁵ 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,

央行副行长潘功胜表示，像开发商、房屋中介、P2P信贷等非银行借贷机构正在对金融系统，

saying they will not be allowed to run financing services without a license⁶.

房地产市场构成威胁，称无证经营者禁止从事金融服务。

Employees of banks in Shenzhen and Shanghai have also said regulators have asked them to step up their scrutiny⁷ on the sources of borrower's down payments.

沪深等多家银行职员表示，监管部门要求加强首付审查。

1 second-hand   

adj.用过的，旧的，二手的

参考例句：

• I got this book by chance at a second-hand bookshop.我赶巧在一家旧书店里买到这本书。
• They will put all these second-hand goods up for sale.他们将把这些旧货全部公开出售。

2 stimulate   

vt.刺激，使兴奋；激励，使…振奋

参考例句：

• Your encouragement will stimulate me to further efforts.你的鼓励会激发我进一步努力。
• Success will stimulate the people for fresh efforts.成功能鼓舞人们去作新的努力。

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 audit   

v.审计；查帐；核对；旁听

参考例句：

• Each year they audit our accounts and certify them as being true and fair.他们每年对我们进行账务审核，以确保其真实无误。
• As usual,the yearly audit will take place in December.跟往常一样，年度审计将在十二月份进行。

5 vice   

n.坏事；恶习；[pl.]台钳，老虎钳；adj.副的

参考例句：

• He guarded himself against vice.他避免染上坏习惯。
• They are sunk in the depth of vice.他们堕入了罪恶的深渊。

6 license   

n.执照，许可证，特许；v.许可，特许

参考例句：

• The foreign guest has a license on the person.这个外国客人随身携带执照。
• The driver was arrested for having false license plates on his car.司机由于使用假车牌而被捕。

7 scrutiny   

n.详细检查，仔细观察

参考例句：

• His work looks all right,but it will not bear scrutiny.他的工作似乎很好，但是经不起仔细检查。
• Few wives in their forties can weather such a scrutiny.很少年过四十的妻子经得起这么仔细的观察。