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1、外文翻译文献thedevelopmentofconsumercreditinChinaMaterialSource:BISAuthor:ShenBingxiandYanLijuanConsumercredit一particularlypersonalconsumerloanssuchashomemortgagesandloansfinancingpurchasesofautomobilesandlargedurablegoods一hasdevelopedataveryrapidpaceinchinaoverthepastdecade.withthedeepe
2、ningreformofthehousemarketbeginningin1998,commercialbanksbegantoextendmortgageloanstoindividualsseekingtobuytheirownhomes.mortgageloansarenowamongthebestassetsheldbychina'sCommercialbanks.However,china'spolicymakersandregulatorsarestillfacingchallenges,includinganascenteconomy-wide
3、creditinformationsystem,financialinstitutionswithvaryingriskmanagementstandardsand,inrecentyears,surginghouseprices.Therefore,inthecontextofchina'smacroprudentialpolicies,thechineseregulatoryauthoritieshaveadoptedaseriesofmortgage-relatedpoliciesandregulationstomitigateandcontrolcr
4、editrisksandfacilitatethehealthydevelopmentofhousingfinance,homeownershipandhousingmarkets.China'sconsumerfinancemarketisatanearlystageofdevelopment.Consumercreditisthemainfinancingchannelforhouseholds.In2007,totaloutstandingloanstohouseholdsincreasedbyRMB1.2trillion,representingay
5、ear-on-yearincreaseof30.4%.Thisrepresentsanaccelerationof9.3percentagepoints,orRMB546.6billion,fromthelendingpaceof2006.Consumerloansoutstanding,ofwhich80%werehousingloans,increasedbyRMB868.6billionduring2007,comparedwith2006.outstandingbusiness-relatedloanstothehouseholdsectorincr
6、easedbyRMB311.1billionoverthelevelsattheendof2006.Withtherapiddevelopmentofthechineseeconomyandthedeepeningreformofthefinancialsystemsince1998,thehouseholdlendingmarket,especiallyconsumerloans,hasgrownsharply.Bytheendof2007,outstandingconsumerloansreachedRMB3.28trillion,anincreaseo
7、fRMB3.14trillionoverthelevelattheendof1999,representinganaverageyear-on-yeargrowthrateof48%overtheperiod.Meanwhile,ascorporatedirectfinancinggainedinimportanceandhousehold4incomesrose,consumerloansbecameanincreasinglyimportantassetclassforcommercialbanks,resultinginsignificantchang
8、esintheassetstructureofchi
