谁能帮提供一篇与会计专业相关的英文文章,1000字左右,并翻译成中文
T朱娇娇C
2024-05-24 18:13:38
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china's top banking regulator on friday warned of growing r**ks to the country's financial system as a result of an unprecedented expansion in new loans and urged the country's lenders to improve their internal management.the statement by liu mingkang, chairman of the china banking regulatory comm**sion, may signal a more assertive stance from the body in the build-up to a top-level commun**t party meeting scheduled for november that will set the country's economic agenda for the coming year.chinese financial institutions extended rmb8,185bn ($1,199bn) in local currency loans in the first eight months of th** year, an increase of 164 per cent from the same period in 2008, a credit binge analysts say has been facilitated by a serious relaxation in lending standards.“th** year, all kinds of r**ks h**e ar**en in the banking sector along with the rapid credit expansion,” said mr liu in a written statement. “banking institutions should always stick to the bottom line of compliance management, to lay a solid foundation for r**k management.”for most of th** year, the cbrc has been an almost lone voice within the ** urging caution over the rapid loan growth and the potential for a future shock to the system.china's economic recovery has been largely fuelled by the flood of credit from the state-controlled banks but th** has prompted fears of fresh bubbles forming in the property and equities markets and ra**ed the prospect that growth could falter as lending returns to a more sustainable level.“th** ** a high-r**k strategy, since in prior eras, massive chinese loan growth eventually led to massive chinese non-performing loans and a banking sector that had to be recapital**ed,” michael cembalest, chief investment officer at jpmorgan global wealth management, said in a recent report.“the removal of loan quota limits once the global recession hit may h**e unleashed a torrent of relaxed underwriting standards that will not be v**ible until the next downturn.”**银行业最高监管机构上周五警告,由于新增贷款的空前扩张,**金融体系面临的风险正日渐增加。该机构敦促**国内银行加强自身的内部管理。**银监会(cbrc)****的声明,可能表明了在定于今年11月举行的**党高层会议前夕,银监会所采取的更为坚定的立场。11月份的会议将确定**来年的经济日程。今年前8个月,**金融机构共发放人民币贷款8.185万亿元人民币(合1.199万亿美元),较去年同期增长164%。分析师称,贷款标准的严重松动助长了此次信贷狂潮。**在一份书面声明中表示:“今年以来,随信贷投放快速增加,银行业各类风险有所抬头……银行业金融机构要始终坚守合规经营底线,为风险管理打下坚实基础。”今年大多数时候,**内部几乎只有银监会一个部门一直在敦促,**应对贷款快速增长及金融体系未来可能遭受冲击保持警惕。**的经济复苏主要受到国有银行信贷急剧增加的推动,但这已经引起了人们两方面的担忧,一是房地产与股票市场可能正在形成的新的泡沫,二是随着贷款回到更可持续的水平,经济增长可能会动摇。摩根大通全球财富管理(jpmorgan global wealth management)首席投资官迈克尔•切巴莱斯特(michael cembalest)最近在一份报告中表示:“这是一个高风险策略,因为在之前的年代,**贷款的大举增长最终都会导致不良贷款的大举增加以及必须对银行业进行注资。”“全球衰退来袭之际取消贷款配额限制,可能形成了宽松贷款标准的急流,要到下一场衰退出现时才能显现出来。” 20210311