{"id":774,"date":"2026-05-26T11:17:27","date_gmt":"2026-05-26T00:17:27","guid":{"rendered":"https:\/\/dyhomeloans.com.au\/cn\/?p=774"},"modified":"2026-05-26T11:17:27","modified_gmt":"2026-05-26T00:17:27","slug":"%e5%a6%82%e4%bd%95%e8%a7%a3%e8%af%bb%e6%be%b3%e6%b4%b2%e9%93%b6%e8%a1%8c%e4%bd%93%e7%b3%bb%e9%80%9a%e8%bf%87%e4%b8%a5%e8%8b%9b%e5%8e%8b%e5%8a%9b%e6%b5%8b%e8%af%95","status":"publish","type":"post","link":"https:\/\/dyhomeloans.com.au\/cn\/%e5%a6%82%e4%bd%95%e8%a7%a3%e8%af%bb%e6%be%b3%e6%b4%b2%e9%93%b6%e8%a1%8c%e4%bd%93%e7%b3%bb%e9%80%9a%e8%bf%87%e4%b8%a5%e8%8b%9b%e5%8e%8b%e5%8a%9b%e6%b5%8b%e8%af%95\/","title":{"rendered":"\u5982\u4f55\u89e3\u8bfb\u6fb3\u6d32\u94f6\u884c\u4f53\u7cfb\u901a\u8fc7\u4e25\u82db\u538b\u529b\u6d4b\u8bd5"},"content":{"rendered":"

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\u6fb3\u6d32\u94f6\u884c\u76d1\u7ba1\u673a\u6784\uff09APRA\uff09\u5728\u5176 2026\u5e745\u6708\u300a\u7cfb\u7edf\u98ce\u9669\u5c55\u671b\u62a5\u544a\u300b\uff08System Risk Outlook\uff09 \u4e2d\u786e\u8ba4\uff0c\u5373\u4f7f\u540c\u65f6\u51fa\u73b0\u4ee5\u4e0b\u60c5\u51b5\uff0c\u6fb3\u5927\u5229\u4e9a\u94f6\u884c\u4f53\u7cfb\u4ecd\u5177\u6709\u627f\u53d7\u80fd\u529b\uff1a<\/p>\n

* \u5168\u7403\u7ecf\u6d4e\u4e25\u91cd\u8870\u9000<\/p>\n

* \u878d\u8d44\u6210\u672c\u5927\u5e45\u4e0a\u5347<\/p>\n

* \u4e25\u91cd\u7684\u8fd0\u8425\u4e2d\u65ad\uff08\u4f8b\u5982\u7f51\u7edc\u653b\u51fb\u3001\u7cfb\u7edf\u6545\u969c\u7b49\uff09<\/p>\n

\u4e5f\u5c31\u662f\u8bf4\uff0c\u5728\u8fd9\u4e9b\u6781\u7aef\u51b2\u51fb\u540c\u65f6\u53d1\u751f\u7684\u60c5\u51b5\u4e0b\uff0c\u6fb3\u5927\u5229\u4e9a\u91d1\u878d\u4f53\u7cfb\u4f9d\u7136\u80fd\u591f\u7ef4\u6301\u7a33\u5b9a\u3002<\/p>\n

\u76ee\u524d\u6fb3\u6d32\u94f6\u884c\u6574\u4f53\u8d44\u672c\u5145\u8db3\uff0c\u6d41\u52a8\u6027\u5f3a\u3002\u6574\u4e2a\u7cfb\u7edf\u88ab\u8bbe\u8ba1\u6210\u5373\u4f7f\u7ecf\u6d4e\u73af\u5883\u660e\u663e\u6076\u5316\uff0c\u4e5f\u4ecd\u7136\u80fd\u591f\u7ee7\u7eed\u63d0\u4f9b\u8d37\u6b3e\u652f\u6301\u3002<\/p>\n

\u4e0d\u8fc7\uff0c\u867d\u7136 APRA \u8868\u793a\u91d1\u878d\u4f53\u7cfb\u603b\u4f53\u7a33\u5065\uff0c\u4f46\u4e5f\u8b66\u544a\uff1a\u98ce\u9669\u6b63\u5728\u589e\u52a0\u3002<\/p>\n

\u76d1\u7ba1\u673a\u6784\u7279\u522b\u5173\u6ce8\u4ee5\u4e0b\u95ee\u9898\uff1a<\/p>\n

* \u5730\u7f18\u653f\u6cbb\u4e0d\u7a33\u5b9a\uff08\u4f8b\u5982\u6218\u4e89\u3001\u56fd\u9645\u51b2\u7a81\uff09<\/p>\n

* \u7f51\u7edc\u5b89\u5168\u5a01\u80c1\uff08Cyber threats\uff09<\/p>\n

* \u4eba\u5de5\u667a\u80fd\u5e26\u6765\u7684\u65b0\u98ce\u9669<\/p>\n

* \u5404\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u7ade\u4e89\u52a0\u5267<\/p>\n

\u623f\u5730\u4ea7\u5e02\u573a\u4ecd\u662f\u91cd\u70b9\u5173\u6ce8\u9886\u57df\u3002APRA\u6307\u51fa\uff1a<\/p>\n

* \u9ad8\u623f\u4ef7<\/p>\n

* \u5bb6\u5ead\u503a\u52a1\u6c34\u5e73\u504f\u9ad8<\/p>\n

\u6301\u7eed\u589e\u52a0\u91d1\u878d\u4f53\u7cfb\u8106\u5f31\u6027\u3002<\/p>\n

\u6b64\u5916\uff0c\u76d1\u7ba1\u673a\u6784\u8fd8\u53d1\u73b0\uff0c\u968f\u7740\u8d37\u6b3e\u5e02\u573a\u7ade\u4e89\u52a0\u5267\uff0c\u90e8\u5206\u94f6\u884c\u6216\u8d37\u6b3e\u673a\u6784\u5f00\u59cb\u51fa\u73b0\u504f\u79bb\u6b63\u5e38\u8d37\u6b3e\u6807\u51c6\uff08lending standards\uff09\u3001\u653e\u5bbd\u5ba1\u6279\u8981\u6c42\u7684\u60c5\u51b5\u3002<\/p>\n

\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cAPRA\u8868\u793a\uff0c\u5982\u679c\u8d37\u6b3e\u98ce\u9669\u7ee7\u7eed\u4e0a\u5347\uff0c\u76d1\u7ba1\u5c42\u4ecd\u63e1\u6709\u66f4\u591a\u5b8f\u89c2\u5ba1\u614e\u5de5\u5177\uff08macroprudential tools\uff09\u53ef\u4f9b\u4f7f\u7528\u3002<\/p>\n

\u2e3b<\/p>\n

\u2764\ufe0f\u2764\ufe0f\u4e07\u901a\u77ed\u8bc4\u2764\ufe0f\u2764\ufe0f<\/p>\n

1\ufe0f\u20e3 \u6fb3\u6d32\u94f6\u884c\u4f53\u7cfb\u786e\u5b9e\u6bd42008\u5e74\u5168\u7403\u91d1\u878d\u5371\u673a\u65f6\u671f\u66f4\u5f3a\uff0c\u4e14\u5b89\u5168\u6027\u65b9\u9762\u5728\u53d1\u8fbe\u56fd\u5bb6\u4e2d\u6392\u540d\u524d\u4e09\u3002<\/p>\n

\u8fc7\u53bb\u5341\u591a\u5e74\uff0cAPRA\u6301\u7eed\u63d0\u9ad8\u8d44\u672c\u91d1\u8981\u6c42\uff0c\u56e0\u6b64\u56db\u5927\u94f6\u884c\u6297\u98ce\u9669\u80fd\u529b\u660e\u663e\u589e\u5f3a\u3002<\/p>\n

2\ufe0f\u20e3 APRA \u7279\u522b\u63d0\u5230\u201c\u8d37\u6b3e\u6807\u51c6\u653e\u677e\u201d\uff0c\u503c\u5f97\u8d37\u6b3e\u884c\u4e1a\u5173\u6ce8\u3002<\/p>\n

\u90e8\u5206 lender \u5f80\u5f80\u4f1a\u653e\u5bbd\u6536\u5165\u8ba4\u5b9a\u3001\u4f30\u503c\u6216\u516c\u53f8\u7ed3\u6784\u8981\u6c42\u3002\u672a\u6765\u76d1\u7ba1\u53ef\u80fd\u91cd\u65b0\u6536\u7d27\u3002<\/p>\n

3\ufe0f\u20e3 \u623f\u5730\u4ea7\u98ce\u9669\u4ecd\u7136\u88ab\u70b9\u540d\u3002<\/p>\n

\u8bf4\u660e\u76d1\u7ba1\u5c42\u867d\u7136\u652f\u6301\u623f\u4ef7\u7a33\u5b9a\uff0c\u4f46\u5e76\u4e0d\u5e0c\u671b\u9ad8\u6760\u6746\u7ee7\u7eed\u6269\u5927\u3002<\/p>\n

4\ufe0f\u20e3 \u82e5\u7ecf\u6d4e\u6076\u5316\uff0cAPRA \u53ef\u80fd\u5148\u51fa\u624b\uff0c\u800c\u4e0d\u662f\u7b49\u94f6\u884c\u81ea\u5df1\u8c03\u6574\u3002<\/p>\n

\u4f8b\u5982\u91cd\u65b0\u9650\u5236\u6295\u8d44\u8d37\u6b3e\u6216\u63d0\u9ad8\u7f13\u51b2\u5229\u7387\u3002<\/p>\n

5\ufe0f\u20e3 \u5bf9\u666e\u901a\u623f\u8d37\u5ba2\u6237\u800c\u8a00\uff0c\u8fd9\u6d88\u606f\u504f\u6b63\u9762\u3002<\/p>\n

\u5b83\u610f\u5473\u7740\uff1a\u5373\u4f7f\u51fa\u73b0\u7ecf\u6d4e\u8870\u9000\uff0c\u6fb3\u6d32\u94f6\u884c\u4f53\u7cfb\u6574\u4f53\u4ecd\u88ab\u8ba4\u4e3a\u6709\u80fd\u529b\u7ee7\u7eed\u653e\u8d37\uff0c\u800c\u4e0d\u50cf\u7f8e\u56fd\u90e8\u5206\u5730\u533a\u94f6\u884c\u66fe\u51fa\u73b0\u5feb\u901f\u5371\u673a\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u6fb3\u6d32\u521a\u521a\u901a\u8fc7\u4e86\u5168\u7403\u6700\u4e25\u82db\u7684\u91d1\u878d\u538b\u529b\u6d4b\u8bd5\u4e4b\u4e00\uff0c\u800c\u4e14\u8868\u73b0\u975e\u5e38\u51fa\u8272\u3002 \u6fb3\u6d32\u94f6\u884c\u76d1\u7ba1\u673a\u6784\uff09APRA\uff09\u5728\u5176 2026\u5e745\u6708\u300a\u7cfb\u7edf\u98ce\u9669\u5c55\u671b\u62a5\u544a\u300b\uff08System Risk Outlook\uff09 \u4e2d\u786e\u8ba4\uff0c\u5373\u4f7f\u540c\u65f6\u51fa\u73b0\u4ee5\u4e0b\u60c5\u51b5\uff0c\u6fb3\u5927\u5229\u4e9a\u94f6\u884c\u4f53\u7cfb\u4ecd\u5177\u6709\u627f\u53d7\u80fd\u529b\uff1a * \u5168\u7403\u7ecf\u6d4e\u4e25\u91cd\u8870\u9000 * \u878d\u8d44\u6210\u672c\u5927\u5e45\u4e0a\u5347 * \u4e25\u91cd\u7684\u8fd0\u8425\u4e2d\u65ad\uff08\u4f8b\u5982\u7f51\u7edc\u653b\u51fb\u3001\u7cfb\u7edf\u6545\u969c\u7b49\uff09 \u4e5f\u5c31\u662f\u8bf4\uff0c\u5728\u8fd9\u4e9b\u6781\u7aef\u51b2\u51fb\u540c\u65f6\u53d1\u751f\u7684\u60c5\u51b5\u4e0b\uff0c\u6fb3\u5927\u5229\u4e9a\u91d1\u878d\u4f53\u7cfb\u4f9d\u7136\u80fd\u591f\u7ef4\u6301\u7a33\u5b9a\u3002 \u76ee\u524d\u6fb3\u6d32\u94f6\u884c\u6574\u4f53\u8d44\u672c\u5145\u8db3\uff0c\u6d41\u52a8\u6027\u5f3a\u3002\u6574\u4e2a\u7cfb\u7edf\u88ab\u8bbe\u8ba1\u6210\u5373\u4f7f\u7ecf\u6d4e\u73af\u5883\u660e\u663e\u6076\u5316\uff0c\u4e5f\u4ecd\u7136\u80fd\u591f\u7ee7\u7eed\u63d0\u4f9b\u8d37\u6b3e\u652f\u6301\u3002 \u4e0d\u8fc7\uff0c\u867d\u7136 APRA \u8868\u793a\u91d1\u878d\u4f53\u7cfb\u603b\u4f53\u7a33\u5065\uff0c\u4f46\u4e5f\u8b66\u544a\uff1a\u98ce\u9669\u6b63\u5728\u589e\u52a0\u3002 \u76d1\u7ba1\u673a\u6784\u7279\u522b\u5173\u6ce8\u4ee5\u4e0b\u95ee\u9898\uff1a * \u5730\u7f18\u653f\u6cbb\u4e0d\u7a33\u5b9a\uff08\u4f8b\u5982\u6218\u4e89\u3001\u56fd\u9645\u51b2\u7a81\uff09 * \u7f51\u7edc\u5b89\u5168\u5a01\u80c1\uff08Cyber threats\uff09 * \u4eba\u5de5\u667a\u80fd\u5e26\u6765\u7684\u65b0\u98ce\u9669 * \u5404\u8d37\u6b3e\u673a\u6784\u4e4b\u95f4\u7ade\u4e89\u52a0\u5267 \u623f\u5730\u4ea7\u5e02\u573a\u4ecd\u662f\u91cd\u70b9\u5173\u6ce8\u9886\u57df\u3002APRA\u6307\u51fa\uff1a * \u9ad8\u623f\u4ef7 * \u5bb6\u5ead\u503a\u52a1\u6c34\u5e73\u504f\u9ad8 \u6301\u7eed\u589e\u52a0\u91d1\u878d\u4f53\u7cfb\u8106\u5f31\u6027\u3002 \u6b64\u5916\uff0c\u76d1\u7ba1\u673a\u6784\u8fd8\u53d1\u73b0\uff0c\u968f\u7740\u8d37\u6b3e\u5e02\u573a\u7ade\u4e89\u52a0\u5267\uff0c\u90e8\u5206\u94f6\u884c\u6216\u8d37\u6b3e\u673a\u6784\u5f00\u59cb\u51fa\u73b0\u504f\u79bb\u6b63\u5e38\u8d37\u6b3e\u6807\u51c6\uff08lending standards\uff09\u3001\u653e\u5bbd\u5ba1\u6279\u8981\u6c42\u7684\u60c5\u51b5\u3002 \u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cAPRA\u8868\u793a\uff0c\u5982\u679c\u8d37\u6b3e\u98ce\u9669\u7ee7\u7eed\u4e0a\u5347\uff0c\u76d1\u7ba1\u5c42\u4ecd\u63e1\u6709\u66f4\u591a\u5b8f\u89c2\u5ba1\u614e\u5de5\u5177\uff08macroprudential tools\uff09\u53ef\u4f9b\u4f7f\u7528\u3002 \u2e3b \u2764\ufe0f\u2764\ufe0f\u4e07\u901a\u77ed\u8bc4\u2764\ufe0f\u2764\ufe0f 1\ufe0f\u20e3 \u6fb3\u6d32\u94f6\u884c\u4f53\u7cfb\u786e\u5b9e\u6bd42008\u5e74\u5168\u7403\u91d1\u878d\u5371\u673a\u65f6\u671f\u66f4\u5f3a\uff0c\u4e14\u5b89\u5168\u6027\u65b9\u9762\u5728\u53d1\u8fbe\u56fd\u5bb6\u4e2d\u6392\u540d\u524d\u4e09\u3002 \u8fc7\u53bb\u5341\u591a\u5e74\uff0cAPRA\u6301\u7eed\u63d0\u9ad8\u8d44\u672c\u91d1\u8981\u6c42\uff0c\u56e0\u6b64\u56db\u5927\u94f6\u884c\u6297\u98ce\u9669\u80fd\u529b\u660e\u663e\u589e\u5f3a\u3002 2\ufe0f\u20e3 APRA \u7279\u522b\u63d0\u5230\u201c\u8d37\u6b3e\u6807\u51c6\u653e\u677e\u201d\uff0c\u503c\u5f97\u8d37\u6b3e\u884c\u4e1a\u5173\u6ce8\u3002 \u90e8\u5206 lender \u5f80\u5f80\u4f1a\u653e\u5bbd\u6536\u5165\u8ba4\u5b9a\u3001\u4f30\u503c\u6216\u516c\u53f8\u7ed3\u6784\u8981\u6c42\u3002\u672a\u6765\u76d1\u7ba1\u53ef\u80fd\u91cd\u65b0\u6536\u7d27\u3002 3\ufe0f\u20e3 \u623f\u5730\u4ea7\u98ce\u9669\u4ecd\u7136\u88ab\u70b9\u540d\u3002 \u8bf4\u660e\u76d1\u7ba1\u5c42\u867d\u7136\u652f\u6301\u623f\u4ef7\u7a33\u5b9a\uff0c\u4f46\u5e76\u4e0d\u5e0c\u671b\u9ad8\u6760\u6746\u7ee7\u7eed\u6269\u5927\u3002 4\ufe0f\u20e3 \u82e5\u7ecf\u6d4e\u6076\u5316\uff0cAPRA \u53ef\u80fd\u5148\u51fa\u624b\uff0c\u800c\u4e0d\u662f\u7b49\u94f6\u884c\u81ea\u5df1\u8c03\u6574\u3002 \u4f8b\u5982\u91cd\u65b0\u9650\u5236\u6295\u8d44\u8d37\u6b3e\u6216\u63d0\u9ad8\u7f13\u51b2\u5229\u7387\u3002 […]<\/p>\n

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