北京网贷协会全面清理首付贷类业务

 Major cities in China have begun to clamp down on loans for home purchase deposits to contain financing risks in a warming property market.

日前，我国主要城市开始取缔首付贷，以控制逐渐回暖的房地产市场的金融风险。

Beijing P2P Association asked its members, mostly online funding platforms, to stop issuing down-payment loans to home buyers and instead turn their attention to outstanding loans, according to an online document released on last Tuesday.

根据北京市网贷行业协会上周二发布的文件称，要求协会会员--主要是互联网融资平台，停止对购房者的首付贷业务，将注意力转向未偿贷款。

The association will begin a special examination on the practice, the document said.

该文件指出，协会将组织开展首付贷专项检查。

北京网贷协会全面清理首付贷类业务

The statement follows similar moves in other cities, including the metropolises¹ of Shanghai, Guangzhou and Shenzhen, after the central authorities put illegal home loans under scrutiny².

在中央将非法房贷纳入监管后，包括上海、广州和深圳等在内的一线城市已经采取了类似的整治举措。

China's property market has shown signs of warming as central and local governments relaxed restrictions³ to resolve a property glut⁴, however, this had the converse⁵ effect of prompting an unexpected wave of buying, with many even borrowing for down payments.

随着中央和地方政府放宽限制以解决房地产过剩的情况，中国的房地产市场目前已经有回暖的迹象。不过，这也起到了反作用，引发了意想不到的抢购风潮，许多人甚至需要借钱来支付首付。

Despite stringent⁶ controls, down-payment "loans in disguise" were still available from some lenders as the property market remained in an upward streak⁷.

尽管有严格的控制，但是由于房地产市场一直处于上升的趋势，所以一些贷款机构仍在提供首付贷业务。

Analysts⁸ advised the government to strengthen its monitoring and supervising efforts and stay alert of similar activities that make use of legal loopholes.

相关分析人士建议，政府应加强监督监测工作，并对利用法律漏洞进行类似活动保持警觉。

1 metropolises   

n.一国的主要城市（不一定是首都）( metropolis的名词复数 )；中心；大都会；大城市

参考例句：

• That season, you ride it, all metropolises achieve what one wishes! 那时节，您骑上它，一切都会如愿以偿！ 来自互联网
• Carl has carried the banner in infernal metropolises. 卡尔曾经在那些地狱般的大都市流浪街头。 来自互联网

2 scrutiny   

n.详细检查，仔细观察

参考例句：

• His work looks all right,but it will not bear scrutiny.他的工作似乎很好，但是经不起仔细检查。
• Few wives in their forties can weather such a scrutiny.很少年过四十的妻子经得起这么仔细的观察。

3 restrictions   

约束( restriction的名词复数 )； 管制； 制约因素； 带限制性的条件（或规则）

参考例句：

• I found the restrictions irksome. 我对那些限制感到很烦。
• a snaggle of restrictions 杂乱无章的种种限制

4 glut   

n.存货过多，供过于求；v.狼吞虎咽

参考例句：

• The glut of coffee led to a sharp drop in prices.咖啡供过于求道致价格急剧下跌。
• There's a glut of agricultural products in Western Europe.西欧的农产品供过于求。

5 converse   

vi.谈话，谈天，闲聊；adv.相反的，相反

参考例句：

• He can converse in three languages.他可以用3种语言谈话。
• I wanted to appear friendly and approachable but I think I gave the converse impression.我想显得友好、平易近人些,却发觉给人的印象恰恰相反。

6 stringent   

adj.严厉的；令人信服的；银根紧的

参考例句：

• Financiers are calling for a relaxation of these stringent measures.金融家呼吁对这些严厉的措施予以放宽。
• Some of the conditions in the contract are too stringent.合同中有几项条件太苛刻。

7 streak   

n.条理，斑纹，倾向，少许，痕迹；v.加条纹，变成条纹，奔驰，快速移动

参考例句：

• The Indians used to streak their faces with paint.印第安人过去常用颜料在脸上涂条纹。
• Why did you streak the tree?你为什么在树上刻条纹？

8 analysts   

分析家，化验员( analyst的名词复数 )

参考例句：

• City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
• I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。