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Zhou Xiaochuan: the risk of real estate loans overall smooth
In the fourth national financial work conference after the closing, the reporter interviewed Zhou Xiaochuan of president of Chinese people bank.
Reporter: 2012 economic uncertainty in the development of strong, this will give our country financial system which will bring potential risks?
Zhou Xiaochuan: in the real economy, if the external economy is not good enough it will affect trade demand, as a result of Chinese economy and external economy closely, this uncertainty will transfer to the domestic, will directly affect the import and export trade and foreign investment on the inside.
In financial markets, may lead to capital fluidity too loose or too tight, especially capital withdrawal changes greatly.At present, some Asian countries the European funds withdrawn is more evident, such changes in the financial market of our country have reflected.
Reporter: in October last year to now, the national foreign exchange reserves the two consecutive month decline, some say capital is flowing out of.Capital outflow to the national economy has what risks?
Zhou Xiaochuan: from the recent situation, the European sovereign debt crisis affected the domestic foreign exchange market,
monster beats studio ferrari, affect the capital flow direction change, it should be said that this is a normal phenomenon.
Reporter: real estate macro-control policy will continue to bring what influence the financial system?
Zhou Xiaochuan: the overall, our country domestic housing mortgage loan amount does not calculate big, accounting for bank credit assets ratio is relatively low,
kobe bryant beats by dre for sale, the risk of real estate loans overall at a relatively stable state, not as internationally some places appear change radically phenomenon.
But we should also be taken into consideration, a lot of enterprises especially small and micro businesses, the bank loans to real estate, property as collateral for completion, with prices downward, the value of the collateral will shrink, it will affect the enterprise this part of the loan.
For this effect we should estimate.
Reporter: This is the local financing platform repayment peak, plus the economy may be down, financing platform will give financial system caused by the new shocks?
Zhou Xiaochuan: local government financing platform overall is still in a controllable state.
Of course, there is also a part of insufficient standard, belonging to cleaning the specification process.But should see,
dre beats headphones, the Chinese government debt and the ratio of GDP overall in the international comparison of low level, we have the ability to control of digestion and the local government debt problem.
Reporter: Recently, the trend of the RMB exchange rate broke over the past few years formed a unilateral appreciation trend, experts have suggested may be appropriate to increase the exchange rate fluctuation range, whether this arrangement?
Zhou Xiaochuan: our country present RMB exchange rate fluctuation on the positive and negative thousand five rooms within.
The future,
dr dre beats pro review, with the capital inflow and outflow are relatively balanced, expanding the exchange rate fluctuation conditions will be more mature, exchange rate fluctuations can be expanded further, it is by market supply and demand and market participants proposed trading decisions.
Amplitude of fluctuation expansion does not mean the average exchange rate will appear in one direction on the apparent trend.
Reporter: deposit insurance system construction to advance to what extent?
Zhou Xiaochuan: in 2007 the national financial work conference, the state decided to implement the deposit insurance system, after the conference plan have been made, but just to catch up with the outbreak of the global financial crisis, focus in response to the crisis,
dr dre monster beats solo hd, the system construction the corresponding delay.
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