Several of China’s leading banks, including Bank of China and China Construction Bank, are moving forward on joint ventures with foreign partners to accelerate the flow of credit to rural areas as part of the country’s efforts to reduce disparities between the cities and the countryside. BoC and Temasek, the Singapore state investment agency, are planning an ambitious scheme involving hundreds of branches.

　　包括中國銀行(Bank of China)和中國建設(shè)銀行(China Construction Bank)在內(nèi)的中國多家主要銀行，正推進(jìn)與外資伙伴的合資項目，加速面向農(nóng)村地區(qū)的信貸流動，這是中國縮小城鄉(xiāng)差距的舉措之一。中行和新加坡政府投資機(jī)構(gòu)淡馬錫(Temasek)正在規(guī)劃一個雄心勃勃的項目，涉及數(shù)以百計的分支機(jī)構(gòu)。

　　The venture, which each will capitalise with $1.5bn, will feature a $30bn balance sheet, according to a person with direct knowledge of the matter.

　　據(jù)一位對此事有第一手了解的人士透露，中行和淡馬錫將各自為該合資企業(yè)注資15億美元，合資企業(yè)的資產(chǎn)負(fù)債表規(guī)模將達(dá)到300億美元。

　　Meanwhile, China Construction Bank is establishing a similar, but slightly less ambitious venture with Spain’s Santander. Temasek is being given a 49 per cent stake and management control of the operation in part because it has held on to its 4.8 per cent stake in BoC, though the Chinese bank will select the chief executive.

　　與此同時，中國建設(shè)銀行正與西班牙桑坦德銀行(Santander)合資組建一家規(guī)模較小的類似企業(yè)。淡馬錫將持有合資企業(yè)49%的股份，并掌握該項業(yè)務(wù)的管理控制權(quán)，部分原因是其繼續(xù)持有中行4.8%股份，而首席執(zhí)行官人選將由中行決定。

　　Unlike Temasek, other foreign banks with stakes in their Chinese counterparts have sold down holdings to raise cash during the financial crisis, dismaying the Chinese who had considered them long-term holders. Regulatory approval for the Temasek venture is not expected to be an issue, helped by the fact that the deal has the support of Zhu Min, a former BoC executive now at the central bank.

　　與淡馬錫不同，其它外資銀行都已拋出或減持自己所持的中資銀行股份，以便在金融危機(jī)期間籌集現(xiàn)金，這些舉動令曾經(jīng)將它們視為長期股東的中方不滿。淡馬錫參與的這一合資企業(yè)，預(yù)計不會在監(jiān)管審批方面遇到問題，其有利因素包括，中行前高管、現(xiàn)任中國央行副行長朱民支持這一協(xié)議。

　　Rural lending does not have a long and profitable history but Temasek hopes that what is rural today may well be urban tomorrow, due to China’s rapid pace of development.

　　中國的農(nóng)村信貸并沒有很長及盈利豐厚的歷史，但淡馬錫希望，鑒于中國的快速發(fā)展，今日的農(nóng)村很可能成為明日的城市。

　　Temasek officials say they have learned how to lend profitably in rural areas in part based on lessons learned at Danamon, an Indonesian bank Temasek controls, that has extensive operations in the countryside.

　　淡馬錫官員表示，他們已學(xué)會如何在農(nóng)村地區(qū)進(jìn)行有利可圖的放貸，這在一定程度上是基于從淡馬錫控股的印尼Danamon銀行吸取的經(jīng)驗教訓(xùn)，該銀行的營業(yè)網(wǎng)點遍布印尼農(nóng)村。

　　Chinese banks are aiming to curb the pace at which their loan books are accelerating overall and fears of a new slug of non-performing loans have grown.

　　目前中資銀行正力求減緩其貸款賬目的總體加速擴(kuò)張速度，人們對新一波不良貸款的擔(dān)心已有所加劇。

　　China has adopted many policies to help narrow the gap between its rural and urban residents and support economic growth in the wake of the global financial crisis. These include higher minimum grain purchase prices and subsidising purchases of durables and cars. But in the countryside, economists note, residents cannot afford to pay for the the electricity to run many of these purchases and often expensive machinery bought on credit sits idle.

　　中國已施行眾多政策，以幫助縮小城鄉(xiāng)居民之間的差距，并在全球金融危機(jī)之后支持經(jīng)濟(jì)增長。這些政策包括提高糧食收購的最低價格，以及對耐用品和汽車的購買提供補(bǔ)貼。但經(jīng)濟(jì)學(xué)家們指出，農(nóng)村居民無法負(fù)擔(dān)很多電器運行所需的電費，用信貸購買的昂貴機(jī)械往往閑置著。