The Reservie Bank said rising unemployment was affecting more households, making it more difficult to service loans. Photo: RNZ
题图：Reservie Bank 表示，不断上升的失业率正在影响更多家庭，使偿还贷款变得更加困难。 照片：RNZ
- RBNZ report says financial system resilient despite downturn
新西兰储备银行报告称，尽管经济低迷，但金融体系仍具有韧性 - Economic challenges remain, many households under pressure
经济挑战依然存在，许多家庭面临压力 - Higher unemployment likely to lead to higher mortgage defaults
更高的失业率可能导致更高的抵押贷款违约率 - Debt costs near peak, to decline further as rates fall
债务成本接近峰值，随着利率下降，债务成本将进一步下降
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A weak economy, rising unemployment, and still high debt levels are likely to result in more lending defaults although the financial sector is strong enough to cope with the shocks, according to a new Reserve Bank report.
根据储备银行的一份新报告，疲软的经济、不断上升的失业率和仍然高企的债务水平可能会导致更多的贷款违约，尽管金融部门足够强大来应对冲击。
The RBNZ six-monthly financial stability report (FSR) said weakness in the domestic economy was more “pronounced”, which has led to reduced consumer spending and business investment.
储备银行六个月金融稳定报告 （FSR） 表示，国内经济的疲软更为“明显”，这导致消费者支出和商业投资减少。
“High debt-servicing costs continue to squeeze household budgets,” the report said.
“高昂的偿债成本继续挤压家庭预算，”报告称。
Unemployment and bad debts rising
失业率和坏账率上升
It said rising unemployment was affecting more households, making it more difficult to service loans and causing higher levels of bad debt.
它表示，不断上升的失业率正在影响更多的家庭，使偿还贷款变得更加困难，并导致更高水平的坏账。
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“Banks have reported to us that many highly indebted households have little incomes or savings buffers available. This makes them vulnerable to unanticipated costs or losses of income.”
“银行向我们报告说，许多负债累累的家庭几乎没有收入或可用的储蓄缓冲。这使他们容易受到意外成本或收入损失的影响。
“With debt-servicing costs generally remaining high for now, rising unemployment is likely to cause more borrowers to default on their mortgage payments over the next 6 months.”
“由于目前偿债成本普遍居高不下，不断上升的失业率可能会导致更多借款人在未来 6 个月内拖欠抵押贷款。”
However, the report said mortgage rates appeared to have peaked, debt servicing costs were dropping as interest rates fall, and defaults were below levels in the Global Financial Crisis and at manageable levels for banks.
然而，该报告称，抵押贷款利率似乎已经见顶，随着利率下降，偿债成本正在下降，违约率低于全球金融危机的水平，对银行来说处于可控水平。
The RBNZ estimated about 50 percent of fixed mortgages would reprice to lower rates in the next six months, and 75 percent within a year.
储备银行估计，未来六个月内，约 50% 的固定抵押贷款将重新定价为更低的利率，75% 将在一年内重新定价。
However, in a pre-released part of the FSR it said the risks of another housing boom, as seen during the pandemic, were less.
然而，在 FSR 的预先发布的部分中，它表示，正如大流行期间所看到的那样，另一次房地产繁荣的风险较小。
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Severe recession key risk
严重衰退的主要风险
The RBNZ report assesses the risk to the banking and finance sector from various domestic and global shocks and how strong the system is to withstand such shocks.
储备银行报告评估了各种国内和全球冲击对银行和金融业的风险，以及该系统抵御此类冲击的强度。
It said the current key risk for the system was a severe recession, and banks had done stress-testing to assess how well prepared they were to cope with political and trade disruptions, natural disasters, and an outbreak of foot and mouth disease.
它表示，该系统目前的主要风险是严重的经济衰退，银行已经进行了压力测试，以评估它们为应对政治和贸易中断、自然灾害和口蹄疫爆发做好了准备。
The FSR said banks’ strong profits, increased financial reserves, and reduced reliance on overseas borrowing had improved their ability to cope with shocks.
FSR 表示，银行的强劲利润、增加的金融储备和减少对海外借款的依赖提高了它们应对冲击的能力。
The RBNZ said it was working to improve the resilience of the financial system through such measures as the deposit guarantee scheme, as well as improving competition in the sector.
储备银行表示，它正在努力通过存款担保计划等措施来提高金融体系的弹性，并改善该行业的竞争。
The RBNZ financial stability report can be read here
储备银行金融稳定报告可在此处阅读
来源： RNZ
分类： 澳纽资讯
(即时多来源) 新西兰英语新闻 New Zealand English News
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