央行行長周小川:銀行辦理抵押貸款將更靈活

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.

上週五，我國國家最高金融監管機構表示，中國商業銀行在抵押貸款的定價和風險評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.

在由國際金融研究所召開的G20財長和央行行長聯合會議上，中國人民銀行行長周小川說：“應當進一步鼓勵個人按揭貸款，因爲與企業貸款相比，它仍然是相當安全的。”

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，中國的個人按揭貸款只佔銀行總貸款的10%到20%。“與一些國家的40%到50%相比，比例還是相對偏低的。”

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，最近出臺的放寬信用貸款的舉措確實會起到增加槓桿的作用，但其對整個經濟來說還是杯水車薪。

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.

針對最近中國的債務佔其經濟規模的比率一直在攀升這一擔憂，周小川表示，主要問題並不是由抵押貸款引起。他說，“中國應該着重解決企業的高槓杆問題。”

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.

中國人民銀行和中國銀行業監督管理委員會在本月宣佈，某些地區的家庭第一套住房的最低首付比例將從25%下降到20%，而5個月前，這個比例才從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，在爲不同的客戶評估風險和定價時，應當給予銀行更多的靈活性，同時需建立一個更有效的監管體系，以更好的評估銀行的表現。