| 1. | " banks should continue to closely monitor their asset quality and to adhere strictly to prudent lending criteria .
银行应继续密切监察其资产质素，并严格遵行审慎的贷款准则。 |
| 2. | " in current market conditions we continue to stress that institutions should maintain prudent lending criteria , " mr carse said
简达恒说：在目前的市场环境下，我们继续强调认可机构应维持审慎的借贷准则。 |
| 3. | Banks are reminded not to relax their prudent lending criteria amid keen competition for mortgage businesses , " said mr . david carse , deputy chief executive of the hkma
面对按揭业务市场激烈的竞争，银行应注意不要放宽审慎的信贷标准。 |
| 4. | The letter also reminds ais to continue to adhere to normal prudent lending criteria , including those relating to the debt service ratio
此外，该信件提醒认可机构须一如以往，继续遵守审慎的贷款标准，其中包括供款相对入息的比率方面的准则。 |
| 5. | " the overall asset quality of the residential mortgage portfolio is still good but banks should remain prudent in their lending criteria amid keen competition .
住宅按揭贷款组合的整体资产质素依然良好，但在竞争激烈的环境下，银行在贷款准则上仍应保持审慎。 |
| 6. | Banks are reminded to adhere to prudent lending criteria and pay attention to borrowers ability to service their debts amid keen competition , " said mr . david carse , deputy chief executive of the hkma
面对激烈的竞争，银行必须严格遵守审慎的贷款准则，并要留意借款人的供款能力。 |
| 7. | " in the light of market conditions during the first half of the year , we have considered whether some additional tightening of lending criteria is required , " said mr david carse , deputy chief executive of the hkma
金管局副总裁简达恒说：鉴于今年上半年的市况，我们曾考虑是否需要进一步收紧贷款准则。 |
| 8. | One insider thinks this unlikely : many parents have remortgaged to pay fees , and with house prices shaky and banks tightening their lending criteria , this route is fast closing off
有行内人士称不可能有回报了，现在很多家长是一贷再贷地去交付学费，时下房价波动大，银行也收紧其贷款政策，这样方法很快就行不通了。 |
| 9. | " the continuing decline in margins in february reflects active competition not only in the primary market but also in the secondary market . it is important in these circumstances that banks do not relax their prudent lending criteria , " said mr . david carse , deputy chief executive of the hkma
金管局副总裁简达恒表示：月份按揭利率持续下降，反映银行不但积极争取新楼宇按揭贷款业务，即使在二手市场的竞争亦见加剧。 |
