美联储官方敦促修改资本规则, 以提升按揭贷款和可负担性。 Fed official urges changes to capital rules to boost mortgage lending and affordability.

美联储副主席米歇尔·鲍曼(Michelle Bowman)敦促监管者修订《巴塞尔资本规则》, Federal Reserve Vice Chair Michelle Bowman urged regulators to revise Basel capital rules, arguing current requirements discourage banks from mortgage lending and servicing. 她着重指出,自2008年以来,银行的市场份额急剧下降,并提议取消从监管资本中扣除按揭服务资产的做法,同时根据贷款与价值比率等贷款水平因素,采取对风险敏感的资本处理办法。 She highlighted a sharp decline in banks' market share since 2008 and proposed eliminating the deduction of mortgage-servicing assets from regulatory capital while adopting risk-sensitive capital treatment based on loan-level factors like loan-to-value ratios. 这些变革旨在促进银行参与,提高抵押贷款的承受能力,加强金融稳定,同时不损害安全。 The changes aim to boost bank participation, improve mortgage affordability, and enhance financial stability without compromising safety. 美联储正在编写两项供公众反馈的监管提案,目的是降低成本和鼓励银行更多地参与按揭市场。 The Fed is preparing two regulatory proposals for public feedback, with the goal of reducing costs and encouraging stronger bank involvement in the mortgage market.