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| China’s central bank on Monday cut the main benchmark interest rate that the country’s commercial banks use in issuing one-year bank loans, the latest in a series of steps by the government to address falling apartment prices, weak consumer spending and broad debt troubles. |
| 周一，中国央行下调了国内商业银行发放一年期银行贷款的主要基准利率，这是政府为应对房价下跌、消费支出疲软和广泛债务问题而采取的一系列措施中的最新一步。 |
| But the reduction, the second time in two months that the government has pushed down commercial banks’ lending rates, was smaller than expected. The modest cut was the latest sign that the government’s usual tools for addressing an economic slowdown may have lost some of their effectiveness, economists said. |
| 不过，作为近两个月内政府对商业银行贷款利率的第二次下调，其降幅低于预期。经济学者表示，此次小幅降息进一步表明，政府应对经济放缓的常规手段可能已经失去部分效力。 |
| “This will provide only modest support to credit growth and wider economic activity,” Capital Economics, a London research firm, said in a note. |
| “这给信贷增长和更广泛经济活动带来的支持是非常有限的，”伦敦研究公司凯投宏观在一份报告中表示。 |
| Stocks in Hong Kong, where many of China’s biggest companies trade, fell more than 1 percent Monday, while shares in mainland China were down about 0.50 percent. |
| 香港股市周一下跌逾1%，中国许多规模最大的企业在这里上市。而中国大陆股市则下跌约0.50%。 |
| Cutting interest rates slightly makes it a little cheaper for companies and households to borrow money and to make payments on existing loans. The interest rates on most loans are reset annually, often at the start of each year, so the full effects of Monday’s action may be delayed. |
| 利率小幅下调意味着企业和家庭借贷和偿还已有贷款的成本将有所降低。大多贷款的利率通常会在每年年初重新设定，因此周一举措的全面影响可能不会立即显现。 |
| The central bank, the People’s Bank of China, reduced the one-year interest rate for commercial bank loans by a tenth of a percentage point to 3.45 percent, less than expected. But it did not reduce its benchmark interest rate for commercial banks’ five-year loans, leaving it at 4.2 percent. |
| 央行中国人民银行将商业银行一年期贷款利率下调0.1个百分点，降至3.45%，降幅低于预期。但商业银行五年期贷款的基准利率并未降低，仍维持在4.2%。 |
| A survey of 35 economists by Reuters last week showed that all of them expected the central bank to reduce interest rates for five-year loans as well as one-year loans. The five-year loans are mainly used for setting the interest rates on mortgages. |
| 路透社上周对35位经济学者的调查结果显示，所有人都预计央行将下调五年期和一年期贷款的利率。五年期贷款主要用于设定抵押贷款的利率。 |
| Last week, the central bank lowered borrowing costs for commercial banks by 0.15 percentage points. By making a more modest cut in the lending rates, policymakers were, in effect, widening the profit margins for banks. |
| 上周，央行将商业银行的借贷成本下调了0.15个百分点。通过更温和地降低贷款利率，政策制定者实际上扩大了银行的利润率。 |
| China’s commercial banks have lent massively in recent years to real estate developers and home buyers — the same groups that have been hit hardest by China’s housing crash. |
| 近年来，中国商业银行向房地产开放商和购房者提供了大量贷款，后两者正是受中国房地产崩盘打击最严重的群体。 |
| More than 50 real estate developers have already defaulted or stopped payments on overseas bonds. Country Garden has become the country’s largest developer to run into financial difficulties in the past two weeks. |
| 已有50多家房地产开发商拖延或停止兑付海外债券。过去两周里，碧桂园成为陷入财务困境的最大开发商。 |
| The opaque accounting of China’s state-controlled financial system has made it difficult for outsiders to discern the scale of the banks’ real estate-related losses. Wider profit margins on loans could help these banks accumulate more reserves to offset these losses. |
| 由政府控制的中国金融体系在审计上的不透明使得外界很难看清银行在房地产相关业务上的亏损。扩大贷款利润率有助于帮助这些银行储备更多资金来抵消其损失。 |
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