Macro prudential tools, to discipline both banks and borrowers, are a subtler set ofinstruments. Setting stricter limits on the amount people can borrow relative to the purchaseprice or to their household income helps to curb buyers irrational exuberance; increasing the amount of capital that banksmust hold against mortgages checks theirs.
为了规范银行以及借款者,宏观调控的工具,是一系列精细的仪器。它对于人们可以借款的数额做出了严格的限制,将其与物价或者他们的家庭收入挂钩来帮助抑制购买者的非理性消费;或提高银行为放设抵押贷款所必须持有的资本量的数额。
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