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Central Bank: my country’s residents’ leverage ratio is at a reasonable level internationally

Original title: Central Bank: my country’s residents’ leverage ratio is at a reasonable level internationally

Recent partiesLeverageMore attention is paid to rising issues.Recently, the Chinese peoplebankpostedreportClaimed that the leverage ratio of Chinese residents is at a reasonable level internationally,riskOverall controllable, but the macroscopic space is not large.

peoplebankReleased “ChinacurrencyThe “Policy Implementation Report” revealed that since 2011, the leverage ratio of my country’s residential sector has continued to rise, with the increase of more than 31 percentage points from the end of 2011 to the first half of 2020, and the room for continued expansion of residential debt is very limited.

The report believes that the increase in the leverage ratio of Chinese residents is mainly due to housingloanconsumptionloan,creditCard overdraft growth, but part of it is actuallyIndividual industrial and commercial householdsOperatingSexloan. To observe and compare the leverage ratio of Chinese residents, the impact of operating debt should be eliminated.

According to industry insiders, the operating debts of the residential sector in my country mainly come from the operating loans of individual industrial and commercial households, and some self-employed households use consumer loans,credit cardfundsOperating turnover.

The report shows that about 20% of my country’s residents’ debts are related to operating activities, and after excluding, my country’s residents’ leverage ratio is at a reasonable level internationally. At the end of the first half of 2020,International settlementbank(BIS) The leverage ratio of Chinese residents is 59.1%, which is close toEURDistrict and Japan; however, after excluding operating residents’ debts, the residents’ leverage ratio fell to around 46% during the same period, which is still at a reasonable level internationally.

The report believes that the growth rate of my country’s household debt has slowed from more than 20% in previous years to the current 15%, and the rate of increase in household leverage has also slowed down.Considering that a considerable part of my country’s residents’ leverage ratio is self-paying operating debt, plus my country’s highSavingsRate of “strong family foundation”,Personal housing loanWith the “buffer band” with a high down payment ratio and the characteristics of high dispersion and low concentration of household debt, the debt risk of my country’s residential sector is still under control.

(Article Source:Xinhuanet

(Editor in charge: DF398)

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