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多个政府部门和银行表示将采取措施稳定房地产业
文章来源：未知 文章作者：enread 发布时间：2022-08-31 00:41 字体： [大 中 小]　 进入论坛
(单词翻译:双击或拖选)
国家金融与发展实验室近日发布的季报指出，市场主体和监管层应当稳妥处理“集体停贷”事件，有力推进“保交楼”工作。多个政府部门和银行均发声表示将采取措施稳定房地产业，保障预售房交付。
 
Market entities1 and regulators should handle homebuyers' threats to halt mortgage payments on unfinished projects in a steady manner and strongly push forward the work of ensuring timely deliveries of presold homes, said a quarterly report recently issued by the National Institution for Finance & Development.
国家金融与发展实验室近日发布的季报指出，市场主体和监管层应当稳妥处理“集体停贷”事件，有力推进“保交楼”工作。
 
In the first half, the central government kept sending positive signals that China is fine-tuning housing regulatory policies to stabilize2 market expectations and mitigate3 default risks faced by Chinese property developers. It required local governments to give a vigorous boost to the efforts to ensure timely deliveries of presold homes and safeguard people's livelihoods4, the report said.
上半年，中央政府不断发出积极信号，表示中国正在微调住房监管政策，以稳定市场预期，缓解中国房地产开发商面临的违约风险。报告称，这要求地方政府大力推动确保及时交付预售住房和保障人民生计的努力。
 
Thanks to the impact of a positive housing policy environment, the real estate finance situation improved marginally in China in the first half. The average mortgage interest rate nationwide for first-time homebuyers kept falling during the period. The figure was around 4.4 percent at the end of the first half, 5 basis points lower than the then over-five-year loan prime rate, a market-based benchmark lending rate, the report said.
由于积极的住房政策环境的影响，上半年中国的房地产金融状况略有改善。在此期间，全国首次购房者的平均按揭利率持续下降。报告称，上半年末，这一数字约为4.4%，比当时的五年期以上贷款最优惠利率（一种基于市场的基准贷款利率）低5个基点。
 
Earlier this month, an official of the China Banking5 and Insurance Regulatory Commission said under the orderly management of local governments who are tasked with seeing that responsibilities are fulfilled by all stakeholders, the CBIRC will guide banks to take an active part in finding real estate funding solutions, grant credit to qualified6 home developers, and take various measures to promote actions ensuring timely deliveries of presold homes.
本月早些时候，中国银行业和保险监督管理委员会（CBIRC）的一位官员表示，在地方政府的有序管理下，CBIRC将引导银行积极参与寻找房地产融资解决方案，向合格的房地产开发商提供信贷，并在其监管下确保所有利益相关者履行责任，并采取各种措施促进确保及时交付预售住房的行动。
 
The official said that in the next stage, the CBIRC will effectively satisfy reasonable financing needs of real estate companies, give substantial support to the construction of rental7 homes, support mergers8, acquisitions and the restructuring of housing projects, and better meet the rigid9 and upgraded demand for housing with a focus on new urbanites and young people living in cities and towns.
这位官员表示，在下一阶段，CBIRC将有效满足房地产公司的合理融资需求，大力支持租房建设，支持兼并、收购和住房项目重组，更好地满足刚性和升级的住房需求，重点关注新城镇居民和城镇年轻人。
 
The regulator defined new urbanites as people who live in a city permanently10 but have not yet obtained a local hukou, or those who obtained a local hukou within the past three years.
监管机构将新城市居民定义为永久居住在城市但尚未获得当地户口的人，或在过去三年内获得当地户口的人。
 
Yao Hong, vice-president of the Postal11 Savings12 Bank of China, said the large State-owned commercial lender will grasp the opportunities brought by China's strategies to promote rural revitalization, a new type of urbanization and regional development, as well as step up support for new urbanites' borrowing needs for home purchases.
中国邮政储蓄银行副行长姚宏表示，这家大型国有商业银行将抓住中国促进农村振兴、新型城市化和区域发展战略带来的机遇，并加大对新城市居民购房贷款需求的支持力度。
 
PSBC will continuously maintain close communication with relevant government departments and real estate developers to promote the resumption of work and production of stalled housing projects. In addition, the bank will continue to allow customers with COVID-19-related repayment13 difficulties to defer14 repayments15 on mortgage loan principal and interest, Yao said at a news conference announcing the bank's 2022 interim16 results on Tuesday.
PSBC将继续与相关政府部门和房地产开发商保持密切沟通，以促进停建房屋项目的复工和生产。此外，姚宏在周二宣布2022年中期业绩的新闻发布会上表示，该行将继续允许有疫情相关还款困难的客户推迟偿还抵押贷款本金和利息。
 
The overall risk of PSBC's mortgage loans remains17 controllable, she said. Last month, the bank announced that the balance of its mortgage loans exceeded 2 trillion yuan ($291.69 billion), of which the balance of overdue18 loans related to stalled housing projects was only a tiny proportion at 127 million yuan.
她说，PSBC抵押贷款的总体风险仍然可控。上个月，该行宣布其抵押贷款余额超过2万亿元，其中与停滞的住房项目有关的逾期贷款余额仅占1.27亿元的极小比例。
 
Ping An Bank, a national joint-stock commercial lender based in Shenzhen, Guangdong province, said recently it will focus on supporting the development and operations of government-subsidized housing and rental housing as well as M&As of real estate projects that are in line with China's housing policy orientation19.
总部位于广东省深圳的全国性股份制商业银行平安银行最近表示，将重点支持政府补贴住房和出租住房的开发和运营，以及符合中国住房政策方向的房地产项目的并购。
 
The bank will actively20 participate in the underwriting of and investment in bonds issued to finance real estate company M&A deals. At the same time, it will continuously strengthen risk management of corporate21 real estate loans to realize all-around monitoring of customer operations, project schedules, asset status and the flow of money, said Ping An Bank's 2022 interim results report.
平安银行将积极参与为房地产公司并购交易融资而发行的债券的承销和投资。同时，平安银行2022年中期业绩报告称，该行将不断加强企业房地产贷款的风险管理，以实现对客户运营、项目进度、资产状况和资金流动的全方位监控。
 
China Merchants Bank, another national joint-stock commercial lender, also said it will strengthen the forward-looking forecast of the real estate risk situation and continue to adjust the structure of real estate customers, regions, businesses and products while focusing on key cities and strategic customers.
另一家全国性股份制商业银行招商银行也表示，将加强对房地产风险状况的前瞻性预测，并继续调整房地产客户、地区、业务和产品结构，同时重点关注重点城市和战略客户。


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1 entities 07214c6750d983a32e0a33da225c4efd     
实体对像； 实体，独立存在体，实际存在物( entity的名词复数 )
参考例句：
  • Our newspaper and our printing business form separate corporate entities. 我们的报纸和印刷业形成相对独立的企业实体。
  • The North American continent is made up of three great structural entities. 北美大陆是由三个构造单元组成的。
2 stabilize PvuwZ     
vt.（使）稳定，使稳固，使稳定平衡；vi.稳定
参考例句：
  • They are eager to stabilize currencies.他们急于稳定货币。
  • His blood pressure tended to stabilize.他的血压趋向稳定。
3 mitigate EjRyf     
vt.（使）减轻，（使）缓和
参考例句：
  • The government is trying to mitigate the effects of inflation.政府正试图缓和通货膨胀的影响。
  • Governments should endeavour to mitigate distress.政府应努力缓解贫困问题。
4 livelihoods 53a2f8716b41c07918d6fc5d944b18a5     
生计，谋生之道( livelihood的名词复数 )
参考例句：
  • First came the earliest individualistic pioneers who depended on hunting and fishing for their livelihoods. 走在最前面的是早期的个人主义先驱者，他们靠狩猎捕鱼为生。 来自英汉非文学 - 政府文件
  • With little influence over policies, their traditional livelihoods are threatened. 因为马赛族人对政策的影响力太小，他们的传统生计受到了威胁。
5 banking aySz20     
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。
6 qualified DCPyj     
adj.合格的，有资格的，胜任的，有限制的
参考例句：
  • He is qualified as a complete man of letters.他有资格当真正的文学家。
  • We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。
7 rental cBezh     
n.租赁，出租，出租业
参考例句：
  • The yearly rental of her house is 2400 yuan.她这房子年租金是2400元。
  • We can organise car rental from Chicago O'Hare Airport.我们可以安排提供从芝加哥奥黑尔机场出发的租车服务。
8 mergers b4ab62fffa9919cbf1e93fcad6d3150c     
n.（两个公司的）合并( merger的名词复数 )
参考例句：
  • Mergers fall into three categories: horizontal, vertical, and conglomerate. 合并分为以下三种：横向合并，纵向合并和混合合并。 来自辞典例句
  • Many recent mergers are concentrated within specific industries, particularly in retailing, airlines and communications. 现代许多合并企业集中进行某些特定业务，在零售业、民航和通讯业中更是如此。 来自英汉非文学 - 政府文件
9 rigid jDPyf     
adj.严格的，死板的；刚硬的，僵硬的
参考例句：
  • She became as rigid as adamant.她变得如顽石般的固执。
  • The examination was so rigid that nearly all aspirants were ruled out.考试很严，几乎所有的考生都被淘汰了。
10 permanently KluzuU     
adv.永恒地，永久地，固定不变地
参考例句：
  • The accident left him permanently scarred.那次事故给他留下了永久的伤疤。
  • The ship is now permanently moored on the Thames in London.该船现在永久地停泊在伦敦泰晤士河边。
11 postal EP0xt     
adj.邮政的，邮局的
参考例句：
  • A postal network now covers the whole country.邮路遍及全国。
  • Remember to use postal code.勿忘使用邮政编码。
12 savings ZjbzGu     
n.存款，储蓄
参考例句：
  • I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时，他的存款已全部用完。
13 repayment repayment     
n.偿还，偿还款；报酬
参考例句：
  • I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
  • The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。
14 defer KnYzZ     
vt.推迟，拖延；vi.(to)遵从，听从，服从
参考例句：
  • We wish to defer our decision until next week.我们希望推迟到下星期再作出决定。
  • We will defer to whatever the committee decides.我们遵从委员会作出的任何决定。
15 repayments f8b697bfb3107d78e4b040d051ee8608     
偿还，报答，偿付的钱物( repayment的名词复数 )
参考例句：
  • The repayments of the loan are spread over 10 years. 贷款可在十年内分期偿还。
  • The repayments of the loan are spread over 25 years. 这笔贷款分摊二十五年偿还。
16 interim z5wxB     
adj.暂时的，临时的；n.间歇，过渡期间
参考例句：
  • The government is taking interim measures to help those in immediate need.政府正在采取临时措施帮助那些有立即需要的人。
  • It may turn out to be an interim technology.这可能只是个过渡技术。
17 remains 1kMzTy     
n.剩余物，残留物；遗体，遗迹
参考例句：
  • He ate the remains of food hungrily.他狼吞虎咽地吃剩余的食物。
  • The remains of the meal were fed to the dog.残羹剩饭喂狗了。
18 overdue MJYxY     
adj.过期的，到期未付的；早该有的，迟到的
参考例句：
  • The plane is overdue and has been delayed by the bad weather.飞机晚点了，被坏天气耽搁了。
  • The landlady is angry because the rent is overdue.女房东生气了，因为房租过期未付。
19 orientation IJ4xo     
n.方向，目标；熟悉，适应，情况介绍
参考例句：
  • Children need some orientation when they go to school.小孩子上学时需要适应。
  • The traveller found his orientation with the aid of a good map.旅行者借助一幅好地图得知自己的方向。
20 actively lzezni     
adv.积极地，勤奋地
参考例句：
  • During this period all the students were actively participating.在这节课中所有的学生都积极参加。
  • We are actively intervening to settle a quarrel.我们正在积极调解争执。
21 corporate 7olzl     
adj.共同的，全体的；公司的，企业的
参考例句：
  • This is our corporate responsibility.这是我们共同的责任。
  • His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。
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