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下面OSFI第二号人物今天的评论是很客观的。压力测试如取消或放宽对银行是很大的风险,压力测试本身是用来保护银行,避免08年的金融危机重演。
“The escalating cost of home-ownership in Canada, and its knock-on effects to the economy and to society, is a problem — and it’s a problem that is proving very challenging to address,” said Carolyn Rogers, assistant superintendent at the Office of the Superintendent of Financial Institutions (OSFI), in a speech Tuesday.
“But the answer to this important problem cannot be more debt,” she said. “Particularly, it cannot be more consumer debt, fueled by lower underwriting standards.”
https://www.thestar.com/business/economy/2019/02/05/mortgage-stress-test-needed-despite-hardships-say-regulator.html |
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