中国央行今年第三次上调银行准备金率

CHINESE BANKS SET TO INCREASE RESERVES

中国央行今年第三次上调银行准备金率

China's central bank said on 2 May that it will raise the amount banks must hold in reserve for the third time this year, in the latest move by Beijing to cool its booming economy.
 
中国央行5月2日宣布上调银行存款准备金率，这是中国央行今年第三次出台此类措施，也是北京方面冷却快速增长的中国经济的最新举措。
 
The increase comes after regulators ordered China's largest banks to re-examine their loan books and provide estimates of their exposure to uncollateralised loans, especially to provincial governments, according to Chinese bankers and analysts. If banks are unable to find assets to collateralise these loans within the next few months they may be required to downgrade the loans, potentially leading to a spike in non-performing assets on their books, analysts said.
 
据中国银行业人士和分析师透露，本次上调存款准备金率之前，中国监管机构命令国内各大银行重新审视各自的贷款账目，并提供各自无担保贷款敞口的估算数额，尤其是对地方政府的无担保贷款敞口。分析师们表示，如果各银行在今后几个月内找不到资产为这些贷款提供担保，它们可能被迫对这些贷款进行降级处理，此举有可能导致其账目上不良资产激增。
 
After reporting record profits in the first quarter, Chinese banks are under pressure to rein in lending and restrict loans to certain sectors and industries as Beijing attempts to calm the economy without causing growth to stall.
 
在首季实现创纪录利润后，中国各银行正受到压力，要求它们减少放贷，尤其是限制对某些特定部门和产业放贷。北京方面正设法在不致造成增长停滞的前提下，让经济平静下来。
 
The biggest concerns for regulators are huge loans to shell companies set up by local governments to supplement their fiscal income, as well as loans to real estate developers and speculators that have helped to inflate a bubble in the property market.
 
监管机构的最大担忧包括，地方政府建立空壳公司，然后通过其得到大笔贷款，以补充自己的财政收入；以及加剧了楼市泡沫的房地产开发商和投机者得到的贷款。
 
The central government has ordered banks to curb lending in recent months, especially to these sectors, following an unprecedented expansion in credit last year that saw new loans nearly double from 2008 levels to Rmb9,600bn ($1,406bn).
 
近月来，中央政府已责令各银行减少放贷，尤其是针对上述部门。中国信贷在去年空前扩张，新增贷款比2008年水平几乎高出一倍，达到9.6万亿元人民币（合1.406万亿美元）。
 
As part of its efforts to reduce lending, the People's Bank of China will raise the reserve requirement ratio for deposit-taking financial institutions by 0.5 percentage points, effective on May 10, bringing the rate to 17 per cent for large Chinese banks and 15 per cent for smaller lenders.
 
作为减少放贷举措的一部分，中国人民银行(PBoC) 将从5月10日起，将存款类金融机构人民币存款准备金率上调0.5个百分点，这意味着中国各大银行的存款准备金率将达到17%，而较小银行的存款准备金率将为15%。
 
The ratio for rural credit co-operatives and village banks will not be raised.
 
农村信用社和村镇银行的存款准备金率暂不上调。
 
Although credit growth has slowed, Chinese banks still managed to extend Rmb2,600bn in new loans in the first quarter, helping banks such as Industrial& Commercial Bank of China, Bank of China and Bank of Communications post their best quarterly profits. But analysts expect the profit growth to slow this year as Beijing introduces more measures to cool an economy that grew 11.9 per cent in the first quarter.
 
虽然信贷增长已有所减缓，但中国各银行首季新增贷款仍达到2.6万亿元人民币，推动中国工商银行(ICBC)、中国银行(BOC)和交通银行(Bank of Communications)等银行实现历来最佳季度利润。但分析师们预期，随着北京方面出台更多措施给经济降温，今年利润增长将放缓。第一季度中国经济增长达11.9%。
 
Consumer price inflation hit 2.4 per cent in March, down slightly from February's 2.7 per cent but still high enough to push real interest rates for Chinese savers into negative territory thanks to low deposit rates.
 
国的消费价格指数在3月份上涨2.4%，略低于2月份2.7%的涨幅，但由于储蓄利率较低，这样的水平仍足以使中国储蓄者的实际利率跌入负数空间。