银行业的压力测试较为粗糙,很少有金融机构的压力测试能够全面反映未来风险。挤压房地产泡沫是中国经济健康发展的前提之一,但为了达到调控目标不惜以虚假的推测安慰人心,只会让调控偏离正轨。7月29日,刘明康先生在接受央视采访时表示,压力测试的结果告诉我们,就是最坏的情况,就是房价下跌50%,30%,跌掉三成、五成,这种情况,我们的不良贷款都可以承受,银行业不存在着被房地产商挟裹这一说。 Stress tests in the banking industry are crude, and few stress tests by financial institutions can fully reflect future risks. Squeeze the real estate bubble is one of the prerequisites for the healthy development of China’s economy, but in order to achieve the regulation and control goal, relying on false conjecture to reassure the people will only make the control deviate from the right track. July 29, Mr. Liu Mingkang told CCTV interview, said the results of the stress test tells us that the worst situation is that prices fell 50%, 30%, down 30%, 50%, this case, our Non-performing loans are affordable, and banking is not covered by real estate agents.