由于全球的不确定性和债务,新西兰的金融稳定风险仍然很高,尽管银行仍然有恢复力。 New Zealand's financial stability risks stay high due to global uncertainty and debt, though banks remain resilient.

由于全球不确定性、高技术估值和政府债务上升,新西兰的金融稳定风险仍然居高不下,零售和招待等国内部门出现更多的贷款违约,尽管与以往的危机相比仍然很低。 New Zealand's financial stability risks remain elevated due to global uncertainty, high tech valuations, and rising government debt, with domestic sectors like retail and hospitality seeing increased loan defaults—though still low compared to past crises. 由于强有力的资本缓冲和贷款规则,银行具有复原力,压力测试表明它们能够承受严重衰退。 Banks are resilient due to strong capital buffers and lending rules, with stress tests showing they can withstand severe downturns. 储备银行正在审查资本规则,监测新的存款人补偿计划的存款变动情况,并处理当前的网络和业务风险。 The Reserve Bank is reviewing capital rules, monitoring deposit shifts from the new Depositor Compensation Scheme, and addressing ongoing cyber and operational risks. 较低的利率和强劲的商品价格支持农业,而疲软的住房市场持续存在。 Lower interest rates and strong commodity prices support agriculture, while a weak housing market persists. 新的金融稳定监督委员会已经成立,预计条件将逐步改善。 A new financial stability oversight committee has been established, and conditions are expected to improve gradually.