Chinese residential property owners are rushing to pay off their mortgages early, heaping pressure on commercial banks that were already struggling to identify attractive lending opportunities.
中国住宅业主纷纷提前偿还抵押贷款，给本就难以找到有吸引力的放贷机会的商业银行带来了压力。
Several state bank managers told the Financial Times that branches in Beijing and Shanghai had experienced a 20 per cent increase in mortgage prepayments this year.
多名国有银行经理向英国《金融时报》表示，今年以来，北京和上海分支行的抵押贷款提前还款金额以20%的幅度增长。
Analysts said the managers’ accounts were in line with recently published national loan data. “Prepayment is a desire to reduce leverage, it shows declining demand, which is consistent with the macro data we’ve seen,” said Nicholas Zhu, senior credit officer at Moody’s Investors Service.
分析师表示，这些经理的说法与最近公布的全国贷款数据相一致。穆迪投资者服务(Moody's Investors Service)高级信用评级主任诸蜀宁(Nicholas Zhu)说：“提前还款是为了减少债务，这说明需求下降，与我们看到的宏观数据一致。”
The push by Chinese borrowers to repay their mortgages early comes against the backdrop of falling returns on investments, the economic disruption of Beijing’s zero-Covid policy and a liquidity crisis that has pummeled the property sector. This has led many residential property owners to try to reduce interest payments.
中国贷款者争取提前还款的背景是，投资回报率下降、新冠“清零”政策对经济造成干扰，以及房地产行业遭到流动性危机的重创。在这种背景下，许多业主试图减少房贷利息。
The outstanding mid- and long-term household debt — which mainly consists of mortgages — increased just 2.9 per cent during the first six months of 2022, down from 5.2 per cent in the second half of 2021 and 7.3 per cent over the same period a year ago, according to data published by the People’s Bank of China.
根据中国央行发布的数据，2022年上半年，家庭中长期债务余额——主要是抵押贷款——仅增长2.9%，低于2021年下半年的5.2%和去年同期的7.3%。