{"id":3945,"date":"2021-10-06T05:34:27","date_gmt":"2021-10-06T05:34:27","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=3945"},"modified":"2023-08-29T17:51:23","modified_gmt":"2023-08-29T17:51:23","slug":"will-apra-curbs-be-enough-to-slow-property-market","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=3945","title":{"rendered":"APRA\u7684\u9650\u5236\u662f\u5426\u8db3\u4ee5\u51cf\u7f13\u623f\u5730\u4ea7\u5e02\u573a?"},"content":{"rendered":"

\u94f6\u884c\u76d1\u7ba1\u673a\u6784\u6fb3\u5927\u5229\u4e9a\u5ba1\u614e\u76d1\u7ba1\u5c40(APRA)\u7ec8\u4e8e\u6263\u4e0b\u4e86\u623f\u4ef7\u98d9\u5347\u5e26\u6765\u7684\u65e5\u76ca\u589e\u957f\u7684\u91d1\u878d\u98ce\u9669\u7684\u6273\u673a\uff0c\u8feb\u4f7f\u94f6\u884c\u51cf\u5c11\u8d37\u6b3e\u6570\u989d\u3002<\/p>\n

\u968f\u7740\u521b\u7eaa\u5f55\u7684\u4f4e\u5229\u7387\u7ee7\u7eed\u4f7f\u623f\u5730\u4ea7\u4ef7\u683c\u8fc5\u901f\u4e0a\u6da8\uff0cAPRA\u7684\u884c\u52a8\u5c06\u8981\u6c42\u94f6\u884c\u6d4b\u8bd5\u65b0\u5ba2\u6237\u662f\u5426\u80fd\u591f\u4ee5\u6bd4\u5b9e\u9645\u8d37\u6b3e\u5229\u7387\u9ad8\u51fa3%\u7684\u5229\u7387\u507f\u8fd8\u8d37\u6b3e\u3002<\/p>\n

\u4e0e\u76ee\u524d2.5%\u7684\u7f13\u51b2\u7387\u76f8\u6bd4\uff0c\u8fd9\u610f\u5473\u7740\u201c\u76f8\u5f53\u6e29\u548c\u201d\u7684\u53d8\u5316\u5c06\u4f7f\u8bb8\u591a\u501f\u6b3e\u4eba\u7684\u501f\u8d37\u80fd\u529b\u964d\u4f4e\u7ea65%\u3002<\/p>\n

\u56e0\u6b64\uff0c\u5728\u65e7\u89c4\u5219\u4e0b\u83b7\u5f9780\u4e07\u6fb3\u5143\u8d37\u6b3e\u7684\u5ba2\u6237\uff0c\u5728\u65b0\u89c4\u5219\u4e0b\u53ef\u80fd\u9762\u4e3476\u4e07\u6fb3\u5143\u8d37\u6b3e\u3002<\/p>\n

\u4f4f\u623f\u503a\u52a1\u589e\u901f\u5feb\u4e8e\u6536\u5165\u589e\u901f<\/h2>\n

APRA\u4e3b\u5e2dWayne Byres\u8868\u793a\uff0c\u6b64\u4e3e\u662f\u5bf9\u4f4f\u623f\u503a\u52a1\u589e\u901f\u5feb\u4e8e\u5bb6\u5ead\u6536\u5165\u589e\u901f\u7684\u56de\u5e94\uff0c\u8fd9\u4fc3\u4f7f\u66f4\u591a\u5ba2\u6237\u8d37\u6b3e\u8d85\u8fc7\u6536\u5165\u7684\u516d\u500d\uff0c\u800c\u8fd9\u88ab\u89c6\u4e3a\u98ce\u9669\u8f83\u9ad8\u7684\u8d37\u6b3e\u3002<\/p>\n

Byres\u8868\u793a:\u201c\u5728\u91c7\u53d6\u884c\u52a8\u65f6\uff0cAPRA\u7684\u91cd\u70b9\u662f\u786e\u4fdd\u91d1\u878d\u4f53\u7cfb\u7684\u5b89\u5168\uff0c\u4ee5\u53ca\u94f6\u884c\u5411\u80fd\u591f\u8d1f\u62c5\u5176\u76ee\u524d\u548c\u672a\u6765\u503a\u52a1\u6c34\u5e73\u7684\u501f\u6b3e\u4eba\u53d1\u653e\u8d37\u6b3e\u3002\u201d<\/p>\n

\u201c\u5c3d\u7ba1\u94f6\u884c\u4f53\u7cfb\u8d44\u672c\u5145\u8db3\uff0c\u8d37\u6b3e\u6807\u51c6\u603b\u4f53\u4fdd\u6301\u826f\u597d\uff0c\u4f46\u8d1f\u503a\u7d2f\u7d2f\u7684\u501f\u6b3e\u4eba\u6bd4\u4f8b\u4e0a\u5347\uff0c\u4ee5\u53ca\u5bb6\u5ead\u90e8\u95e8\u66f4\u5e7f\u6cdb\u7684\u6760\u6746\u7387\u4e0a\u5347\uff0c\u610f\u5473\u7740\u91d1\u878d\u7a33\u5b9a\u9762\u4e34\u7684\u4e2d\u671f\u98ce\u9669\u6b63\u5728\u79ef\u805a\u3002\u201d<\/p>\n

APRA\u8bf4\uff0c\u8fd9\u4e00\u53d8\u5316\u53ef\u80fd\u4f1a\u5bf9\u623f\u5730\u4ea7\u6295\u8d44\u8005\u4ea7\u751f\u66f4\u5927\u7684\u5f71\u54cd\uff0c\u4ed6\u4eec\u901a\u5e38\u5b58\u6b3e\u8f83\u4f4e\uff0c\u8d37\u6b3e\u8f83\u591a\u3002<\/p>\n

\u623f\u5730\u4ea7\u5206\u6790\u5e08\u8868\u793a\uff0c\u8003\u8651\u5230\u76ee\u524d\u5e02\u573a\u7684\u8fc5\u731b\u53d1\u5c55\uff0c\u9700\u8981\u8fdb\u4e00\u6b65\u7684\u9650\u5236\u63aa\u65bd\u6765\u904f\u5236\u98d9\u5347\u7684\u623f\u4ef7\u3002<\/p>\n

\u5e02\u573a\u4e0a\u7684\u623f\u4ea7\u6570\u91cf\u5f88\u4f4e<\/h2>\n

\u7531\u4e8e\u65b0\u51a0\u80ba\u708e\u75ab\u60c5\u7684\u5c01\u9501\uff0c\u53ef\u4f9b\u4f7f\u7528\u7684\u623f\u4ea7\u6570\u91cf\u76f8\u5f53\u4f4e\uff0c\u800c\u4f4e\u4f9b\u5e94\u548c\u9ad8\u9700\u6c42\u662f\u5bfc\u81f4\u623f\u4ef7\u4e0a\u6da8\u7684\u6559\u79d1\u4e66\u5f0f\u7684\u7ecf\u6d4e\u5904\u65b9\u3002<\/p>\n

\u8fd9\u4e00\u60c5\u666f\u5728\u4e0a\u5468CoreLogic\u7684\u6570\u636e\u4e2d\u5f97\u5230\u4e86\u5b8c\u7f8e\u7684\u4f53\u73b0\uff0c\u8be5\u6570\u636e\u663e\u793a\uff0c\u53bb\u5e74\u623f\u4ef7\u4e0a\u6da8\u4e8620%\u4ee5\u4e0a\uff0c\u8fd9\u662f\u81ea1989\u5e74\u4ee5\u6765\u6700\u5927\u7684\u5e74\u5ea6\u7e41\u8363\u3002<\/p>\n

\u8fd9\u662f\u4e00\u79cd\u4e0d\u540c\u5bfb\u5e38\u7684\u7e41\u8363\uff0c\u5730\u533a\u7684\u589e\u957f\u901f\u5ea6\u5feb\u4e8e\u57ce\u5e02\uff0c9\u6708\u4efd\u623f\u4ef7\u4e0a\u6da81.7%\uff0c\u8f83\u53bb\u5e74\u540c\u671f\u4e0a\u6da823.1%\uff0c\u800c\u540c\u671f\u9996\u90fd\u623f\u4ef7\u5206\u522b\u4e0a\u6da81.5%\u548c19.5%\u3002<\/p>\n

\u7e41\u8363\u662f\u5426\u8d8b\u4e8e\u7a33\u5b9a?<\/h2>\n

\u4e5f\u6709\u4e00\u4e9b\u8ff9\u8c61\u8868\u660e\u7ecf\u6d4e\u7e41\u8363\u8d8b\u4e8e\u5e73\u7a33\uff0c3\u6708\u4efd\u5168\u56fd\u6708\u589e\u957f\u7387\u6700\u9ad8\u65f62.8%\uff0c\u4e0a\u4e2a\u6708\u4e0b\u964d\u52301.5%\u3002<\/p>\n

\u53e6\u5916\u4e00\u4e2a\u95ee\u9898\u662f\uff0c\u6fb3\u5927\u5229\u4e9a\u8054\u90a6\u9009\u4e3e\u5373\u5c06\u5728\u4e0d\u4e45\u7684\u5c06\u6765\u4e3e\u884c\uff0c\u73b0\u4efb\u653f\u5e9c\u53ef\u80fd\u4e0d\u4f1a\u70ed\u8877\u4e8e\u51cf\u5c11\u6570\u767e\u4e07\u6709\u6295\u7968\u6743\u7684\u623f\u4e3b\u7684\u8d26\u9762\u5229\u6da6\u3002<\/p>\n

\u56e0\u6b64\uff0c\u73b0\u5728\u7684\u95ee\u9898\u662f\uff0c\u76ee\u524d\u5bf9\u8d37\u6b3e\u6807\u51c6\u7684\u6253\u51fb\u9700\u8981\u6709\u591a\u4e25\u5389\uff0c\u4ee5\u53ca\u5b83\u662f\u5426\u4f1a\u5bf9\u58a8\u5c14\u672c\u548c\u6089\u5c3c\u7684\u623f\u4ef7\u4ea7\u751f\u5f88\u5927\u5f71\u54cd\uff0c\u8fd9\u4e24\u4e2a\u57ce\u5e02\u7684\u623f\u4ef7\u6bcf\u5929\u90fd\u5728\u4e0a\u6da8\u6210\u767e\u4e0a\u5343\u6fb3\u5143\u3002<\/p>\n

APRA\u7684\u53d8\u5316\u53ef\u80fd\u53ea\u662f\u4e00\u4e2a\u5f00\u59cb<\/h2>\n

APRA\u884c\u52a8\u4e4b\u524d\u5e7f\u6cdb\u62c5\u5fe7\u7684\u4e00\u4e9b\u5927\u94f6\u884c\u7684\u9996\u5e2d\u6267\u884c\u5b98<\/a>,\u7ecf\u6d4e\u5408\u4f5c\u4e0e\u53d1\u5c55\u7ec4\u7ec7(OECD)\u3001\u56fd\u9645\u8d27\u5e01\u57fa\u91d1\u7ec4\u7ec7(IMF),\u6fb3\u5927\u5229\u4e9a\u50a8\u5907\u94f6\u884c(\u6fb3\u50a8\u94f6\u884c),\u8fd9\u90fd\u8b66\u544a\u8bf4,\u623f\u4ef7\u7684\u4e0a\u6da8\u53ef\u80fd\u5bfc\u81f4\u91d1\u878d\u4e0d\u7a33\u5b9a\u3002<\/p>\n

\u6b64\u6b21\u4f1a\u8bae\u662f\u7531\u6fb3\u5927\u5229\u4e9a\u592e\u884c\u3001\u6fb3\u5927\u5229\u4e9a\u8bc1\u5238\u548c\u6295\u8d44\u59d4\u5458\u4f1a(ASIC)\u3001APRA\u548c\u8054\u90a6\u8d22\u653f\u90e8\u7ec4\u6210\u7684\u91d1\u878d\u76d1\u7ba1\u59d4\u5458\u4f1a\u5b9a\u671f\u5b63\u5ea6\u4f1a\u8bae\u7684\u540e\u7eed\u4f1a\u8bae\u3002<\/p>\n

\u8d22\u52a1\u4e3b\u7ba1\u52a0\u5165\u76d1\u7ba1\u673a\u6784<\/h2>\n

\u6700\u8fd1\u7684\u4f1a\u8bae\u6307\u51fa\uff0c\u623f\u4ef7\u6b63\u5728\u201c\u5feb\u901f\u201d\u4e0a\u6da8\uff0c\u53ef\u80fd\u4f1a\u7ed9\u7ecf\u6d4e\u5e26\u6765\u98ce\u9669\u3002<\/p>\n

\u201c\u59d4\u5458\u4f1a\u6ce8\u610f\u5230\uff0c\u5c3d\u7ba1\u8d37\u6b3e\u6807\u51c6\u4ecd\u7136\u5065\u5168\uff0c\u4f46\u4e00\u6bb5\u65f6\u671f\u7684\u4fe1\u8d37\u589e\u957f\u901f\u5ea6\u5927\u5927\u8d85\u8fc7\u5bb6\u5ead\u6536\u5165\u589e\u957f\uff0c\u5c06\u589e\u52a0\u7ecf\u6d4e\u9762\u4e34\u7684\u4e2d\u671f\u98ce\u9669\uff0c\u201d\u59d4\u5458\u4f1a\u8868\u793a\u3002<\/p>\n

\u6709\u8da3\u7684\u662f\uff0c\u8d22\u957fJosh Frydenberg\u51fa\u5e2d\u4e86\u8fd9\u6b21\u4f1a\u8bae\uff0c\u4ed6\u4e5f\u8868\u8fbe\u4e86\u5bf9\u623f\u5730\u4ea7\u5e02\u573a\u53ef\u80fd\u8fc7\u70ed\u7684\u62c5\u5fe7\u3002<\/p>\n

\u5176\u4ed6\u5b8f\u89c2\u5ba1\u614e\u63aa\u65bd,APRA\u53ef\u80fd\u9700\u8981\u770b\u8fd9\u79cd\u53d8\u5316\u4e0d\u591f\u5e94\u8be5\u5305\u62ec\u9650\u5236\u7279\u5b9a\u7c7b\u578b\u7684\u8d37\u6b3e\u2014\u2014\u7c7b\u4f3c\u4e8e\u5229\u606f\u8d37\u6b3e\u7684\u6210\u529f\u8282\u6d41\u963b\u6b62\u6295\u8d44\u8005\u2014\u2014\u6216\u6536\u7d27income-to-loan\u6216loan-to-valuation\u6bd4\u7387\u3002<\/p>\n

\u7136\u800c\uff0c\u5728\u8fd9\u4e2a\u65f6\u5019\u589e\u52a0\u4e86\u5728\u8ba1\u7b97\u662f\u5426\u53d1\u653e\u65b0\u8d37\u6b3e\u65f6\u4f7f\u7528\u7684\u5229\u7387\u670d\u52a1\u7f13\u51b2\uff0cAPRA\u53ef\u80fd\u4f1a\u9009\u62e9\u7ee7\u7eed\u4f7f\u7528\u8fd9\u4e2a\u5ea6\u91cf\uff0c\u8fd9\u5bf9\u94f6\u884c\u6765\u8bf4\u66f4\u5bb9\u6613\u5efa\u7acb\u4ed6\u4eec\u7684\u4f4f\u623f\u8d37\u6b3e\u6a21\u578b\u3002<\/p>\n

Commonwealth\u5df2\u7ecf\u6536\u7d27\u4e86\u89c4\u5219<\/h2>\n

Commonwealth Bank (ASX: CBA)\u5df2\u7ecf\u5c06\u5176\u53ef\u670d\u52a1\u6027\u7f13\u51b2\u4ece5.1%\u79fb\u52a8\u52305.25%\uff0c\u6240\u4ee5\u5b83\u73b0\u5728\u53ea\u9700\u8981\u505a\u4e00\u4e2a\u589e\u91cf\u7684\u6539\u53d8\u3002<\/p>\n

\u6709\u6548\u5730\u589e\u52a0\u53ef\u670d\u52a1\u6027\u7f13\u51b2\u589e\u52a0\u4e86\u94f6\u884c\u5ba2\u6237\u5728\u83b7\u5f97\u8d37\u6b3e\u524d\u627f\u53d7\u66f4\u9ad8\u5229\u7387\u7684\u80fd\u529b\uff0c\u4f46\u4e5f\u51cf\u5c11\u4e86\u4ed6\u4eec\u53ef\u80fd\u80fd\u501f\u5230\u7684\u94b1\u7684\u6570\u91cf\u3002<\/p>\n

\u7ecf\u5408\u7ec4\u7ec7(OECD)\u548c\u56fd\u9645\u8d27\u5e01\u57fa\u91d1\u7ec4\u7ec7(IMF)\u90fd\u547c\u5401\u6fb3\u5927\u5229\u4e9a\u76d1\u7ba1\u673a\u6784\u901a\u8fc7\u6536\u7d27\u8d37\u6b3e\u6807\u51c6\uff0c\u4e3a\u6089\u5c3c\u548c\u58a8\u5c14\u672c\u84ec\u52c3\u53d1\u5c55\u7684\u623f\u5730\u4ea7\u5e02\u573a\u964d\u6e29\u3002<\/p>\n

\u8d37\u6b3e\u5728\u589e\u52a0\uff0c\u4f46\u571f\u5730\u4f9b\u5e94\u6ca1\u6709\u589e\u52a0<\/h2>\n

\u6fb3\u5927\u5229\u4e9a\u7edf\u8ba1\u5c40(Australian Bureau of Statistics)\u7684\u6570\u636e\u663e\u793a\uff0c\u8fc7\u53bb\u4e00\u5e74\uff0c\u7ef4\u591a\u5229\u4e9a\u5dde\u7684\u65b0\u589e\u62b5\u62bc\u8d37\u6b3e\u5e73\u5747\u589e\u52a0\u4e869.4\u4e07\u6fb3\u5143\uff0c\u65b0\u5357\u5a01\u5c14\u58eb\u5dde\u589e\u52a0\u4e8612\u4e07\u6fb3\u5143\u3002<\/p>\n

\u867d\u7136\u7531\u4e8e\u5229\u7387\u8f83\u4f4e\uff0c\u8fd9\u4e9b\u589e\u957f\u53ef\u80fd\u662f\u53ef\u4ee5\u627f\u53d7\u7684\uff0c\u4f46\u8fd9\u79cd\u60c5\u51b5\u53ef\u80fd\u5f88\u5feb\u6539\u53d8\uff0c\u5e76\u5bfc\u81f4\u8fdd\u7ea6\u98ce\u9669\u4e0a\u5347\u3002<\/p>\n

\u623f\u5c4b\u5e02\u573a\u7684\u5176\u4ed6\u95ee\u9898\uff0c\u5305\u62ec\u65b0\u571f\u5730\u5f00\u53d1\u7684\u4f9b\u5e94\u975e\u5e38\u7f13\u6162\uff0c\u4ee4\u623f\u5c4b\u4f9b\u5e94\u548c\u8d1f\u62c5\u80fd\u529b\u6076\u5316\u3002<\/p>\n

\u53e6\u4e00\u4e2a\u503c\u5f97\u8003\u8651\u7684\u95ee\u9898\u662f\uff0c\u7ecf\u6d4e\u4ece\u75ab\u60c5\u4e2d\u590d\u82cf\u6709\u53ef\u80fd\u5927\u5927\u589e\u52a0\u5f85\u552e\u623f\u5c4b\u7684\u6570\u91cf\uff0c\u5e76\u53ef\u80fd\u5bf9\u4ef7\u683c\u9020\u6210\u4e00\u4e9b\u81ea\u7136\u7684\u4e0b\u884c\u538b\u529b\u3002<\/p>\n

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