以后除了RBA，APRA的政策动向也得紧密关注了

anvil

The International Monetary Fund wants tougher lending rules introduced globally to stop banks fuelling house price bubbles.
In findings that may raise fears among Australian banks about increased regulation, the fund argued for greater use of so-called “macro-prudential policies” to rein-in excessive mortgage borrowing.
The report, released in Washington on Monday, adds fuel to a growing debate about whether record-low interest rates are generating the beginnings of an unsustainable and potentially risky property price boom.
The Australian Prudential Regulation Authority, which regulates banks, has hinted it is concerned about the industry’s rising exposure to property. APRA has opened the door to imposing limits for the first time in a decade on how much can be lent to home buyers.
The IMF paper, Key Aspects of Macroprudential Policy, underscores a growing global push towards more activist approaches to rising property markets, including in the UK, Canada and New Zealand, where official interest rates are at unprecedented lows and lending controls in place on banks.

johnwang2013

关键是不能借的太多。

tas

看不懂，翻译以下？

anvil

晕，还没来得及翻译呢没想到RBA已经说话了
The Reserve Bank of Australia has for the first time warned that self-managed superannuation funds may be taking on too much risk by ramping up debt to buy property.
In the minutes of their September meeting, when they left the benchmark interest rate at a record low 2.5 per cent, board members demanded banks avoid making risky loans as they compete for business.
“In the current environment of low interest rates and slow credit growth, members agreed that it was especially important that banks maintained prudent lending standards,” the Reserve Bank said.
The warnings come just a day after the International Monetary Fund called for tougher lending rules to be introduced globally to stop banks fuelling house price bubbles.
Record-low borrowing rates show signs of spurring Australia’s property market, which has gained more than 7 per cent over the past 12 months, raising concerns the gains might eventually form an unsustainable bubble.
In minutes that will add to the debate about potential imbalances caused by ultra-low borrowing costs, the Reserve Bank for the first time highlighted where risks could be building.
“Property gearing in self-managed superannuation funds was one area identified where households could be starting to take some risk with their finances; members noted that this development would be closely monitored by bank staff in the period ahead,” the bank said.
“Given the importance of the New Zealand business to the operations of the major Australian banks, the Board was briefed on developments in the New Zealand housing market and the macroprudential policy framework recently introduced by the Reserve Bank of New Zealand,” it added.
大意翻译
RBA认为对于自营养老金来说买房可能风险过高，并警告银行保持信贷标准
比较出乎意外的是RBA居然提到新西兰央行的限购，本来以为RBA不会那么激进，要动手也是APRA，但RBA明确对其市场影响表示关注。
个人认为是两个信号，RBA依然希望保持低利率，但同时不希望低利率吹起房产泡沫，而更多希望信贷流入business investment。

tas

银行是不是要限制贷款了？那房价要冷静了。好消息阿。