A balance needs to be drawn between efficiency , profitability and prudent risk management - which are the essential ingredients of banking stability - and concessions to the individual customer , however desirable these may seem 我们需要在效率盈利及审慎的风险管理维持银行业稳定的重要元素以及在个别客户的权利无论这些权利看来有多理想之间取得平衡。
In view of the ongoing consolidation in the sector and the fact that the banking supervisory system has been further strengthened , the hkma believes that some of the market entry criteria can be relaxed without compromising banking stability 由于银行业持续进行整固，以及银行业监管制度已进一步加强，金管局认为放宽部分进入市场准则应不会影响银行体系的稳定。
The property bubble had already burst , further threatening banking stability , as banks traditionally were highly exposed , directly and indirectly , to the property market and vulnerable to volatility in property prices 另一方面，银行一直以来直接或间接对物业市场承担极高风险，物业价格波动会对银行体系造成很大影响，因此物业泡?爆破令银行业的稳定受到更大威胁。
The impact on banking stability of intensifying competition for residential mortgage loans seems benign so far . but we will continue to monitor the situation closely and will not hesitate to take supervisory measures if necessary 迄今住宅按揭竞争加剧对银行体系稳定的影响似乎仍属温和，但金管局将会继续密切留意市场发展，如有需要，会果断地采取适当的监管措施。
More recently we began an internal banking stability report which aims to provide a macroprudential perspective on trends in the banking system that we can then use to target our supervisory priorities and resource allocation more effectively 我们最近更开始编制一份内部银行体系稳定报告，目的是从宏观审慎层面探讨银行体系的趋势，以协助我们订立监管工作的优先次序，更有效地分配资源。
But it has also been convincingly argued that , as banking stability serves the interests of the banks as much as of the banking supervisor , the sophisticated ones should be entrusted with designing their own risk management systems 但有另一种说法认为，既然银行体系的稳定不单是监管机构致力达到的目标，也是合乎银行本身的利益，因此具备精密系统及技术的银行应可自行设计本身的风险管理制度。
It helps the bank manage the concentration and liquidity risks of its mortgage portfolio and provides the means for the corporation to fulfill its objective of enhancing monetary and banking stability by acting as a liquidity provider for financial institutions . 这计划为银行提供一个有效的工具，减低按揭组合过度集中的风险及有利于流动资金风险管理。同时，可让按揭证券公司为金融机构扮演提供流动资金的角色。
