央行大举升息行动面前 加国百姓直咽苦水（观点）
Canadians swallow a bitter pill as BOC wages an all-out fight on inflation
来源: 大中网/096.ca 南茜(Nancy Jin)
加拿大的通货膨胀率已成为长期的悬而未决的问题，超过央行2%的目标长达27个月之久。担心失控的通货膨胀对经济的广泛不利影响，加拿大中央银行(BOC)不顾一切，全力以赴，不将通货膨胀率控制在2%的目标内决不罢休，通过一系列令人震惊的加息行动后，利率从接近零的水平提高到了惊人的5%！ 中央银行这一激进的货币紧缩政策给加拿大人带来了巨大的经济压力，使得那些背着沉重的炸物负担的加国人士面临着巨大的经济困境和痛苦。
今天你也许关心的话题：
特鲁多宣布企业偿还CEBA贷款期限可再延长一年
美国纽约长岛连环杀人案在十余年后破案 媒体都起了哪些关键作用（上）
面临高利率按揭 许多人难以招架 数百套房业主在多伦多二手房市场抛售 交易量同比增长了7.6%
Canada’s inflation has emerged as a persistent challenge, remaining above the central bank’s target for 27 months. Bank of Canada (BOC), worrying about the broad detrimental effects of unchecked inflation on the economy, has waged an all-out fight to get the inflation back to the 2% target, mounting a shocking and aggressive campaign that saw interest rates raising from near-zero levels to a substantial 5%. The central bank’s aggressive monetary-tightening campaign has exerted tremendous financial pressure on average Canadians, leaving those heavily in debt grappling with profound hardship and pain.
浮动利率房贷者是央行连续升息行动中受害最深之一族。随着利率的快速上升，许多浮动利率房贷者的固定额月供已经不足以支付利息。在加拿大三大银行(TD, BMO 和 CIBC)的房屋贷款人中，约有20%的房贷账户到达了他们的贷款额度临界点，即固定的月供额已不足以支付利息欠款而使房贷总额增加且月供额度上升。更具体地说，大约有8,000名CIBC的客户增加了他们的月供，而超过1,000名客户都不得不向房贷账户中一次性填款。此外，许多人在抵押贷款续约时可能面临更为痛苦选择，亦或一次性填款，提高月供或转换成固定贷款利率合同。
The variable rate mortgage borrowers are the hardest hit by BOC’s relentless rate hikes. Amid a rapidly soaring rate, many would find their fixed monthly payment can no longer cover the interest owed. About 20% of the mortgage borrowers of the three major Canadian banks (TD, BMO and CIBC) have hit the trigger point where their mortgages balloon in size and where they face payment shocks. More specifically, about 8,000 CIBC clients had increased their monthly payments and more than 1,000 customers were making lump-sum payments. Moreover, many may face even more acute painful choices at the mortgage renewal, from topping up payments to increasing monthly payment to switching fixed mortgage rate.
大幅上升的抵押贷款续约利率给许多经济上已经处于困境的加拿大人士带来财务重创。住房财务危机，或居无住所是人生最大困境之一，能将困境之中受难者逼向绝境。尽管加拿大经济状况不差，但许多加拿大人却对经济前景悲观。根据加拿大心理健康的一项民意调查，接受调查的3,819人中，近40%的人表示经济问题影响了他们的心理健康，其中28%的失业人员和27%的经济困难人士表示在过去一年里有过自杀的念头。
A significant rise in mortgage renewal rates could prove devastating for many Canadians struggling financially. The financial threat over housing –- or the ability to put a roof over their head would cause the most significant distress , pushing them from desperate to borderline hopeless. Despite a decent economic growth in Canada, many Canadians are in a state of economic gloom. According to a poll released by Mental Health of Canada, nearly 40 percent of the 3,819 people it surveyed said financial issues are affecting their mental health, and that 28 per cent of unemployed people and 27 per cent of people having financial troubles reported having had suicidal thoughts in the past year.
但BOC持续的利率上升面前，加拿大人却哑巴吃黄连，有苦说不出，并找不到任何正当途径来发泄他们的沮丧和不满。与不列颠哥伦比亚省省长David Eby一道认为利率上升给工薪阶层带来的痛苦将超过其带来的好处的安大略省省长Doug Ford在一封给央行行长的信中，请求不要进一步提高利率。省长们表示：“利率上升对加国老百姓和企业都造成强烈负担，”他说：“家庭和企业都无法承受进一步利率上升的沉重打击。”但加国政治领导人的这些倾诉老百姓财务痛苦的言辞却收到抨击，并被扣上了政治干预央行决策的帽子。
Canadians grappling with the hardship and pain from the BOC’s continuous rate hikes have to swallow the bitter pill, yet lacking an appropriate outlet to vent their frustrations. Arguing that the suffering caused by the rate hikes to workers will outweigh the benefits, Ontario Premier Doug Ford echoed the sentiments of B.C. Premier David Eby. In a letter to the governor of the bank, he urged against further rate hikes “Interest rate hikes were a burden on people and businesses, “ said the Premier. “Families and businesses cannot afford the crushing impact of further rate hikes.” However, politicians who harness their political power to voice these concerns on behalf of Canadians met with criticism of politicizing the rate discussion and attempting to interfere with the Bank of Canada's decisions.
加国联邦财政部长弗利兰对央行暂不提高利率的最新决定感激涕零。但鉴于对政治干预之批评的担忧，她没有呼吁央行不继续涨息并结束给加国人士造成财务灾难的货币政策的要求。这位财政称：“加国政府充分认识到加拿大中央银行独立性的重要性。”
Federal Finance Minister Christia Freeland acknowledged her appreciation for the BOC's recent decision to pause rate hikes. However, in light of the backlash against politicians for political meddling, she refrained from calling for a halt to further increases and an end to policies hurting Canadian families. "Our government recognizes the significance of an independent central bank for Canada," said the Finance Minister.
加拿大的通货膨胀率从去年六月的8.1%的高点下降到今年6月的2.8%，但加拿大人为这一巨大降幅付出了沉重的代价。数百万加拿大人的经济困境是加国央行为完成其使命，坚定不移地履行其控制通胀职责的“共同牺牲品”。尽管公众对货币紧缩造成经济后果表示强烈不满，但中央银行仍然决然。加息绝不手软。在它9月的声明中表示，央行虽决定暂不升息，但如果通货膨胀不降至其2%的目标，它还会进一步提高利率。面临财务和精神崩溃边缘的加国人士到底还能承受多少经济和心理的压力？
Canada’s inflation plunged to 2.8% in June 2023 from its peak of 8.1% the previous year, a remarkable decline for which Canadians paid hefty prices. The millions of Canadians’ financial hardship was just collateral damage in BOC’s grand mission to fulfill its mandate and its steadfast commitment to its objectives. Despite public outcries over the economic repercussions of monetary tightening, the central bank remained resolute. In its September statement where it temporarily held the rate steady, the bank indicated its willingness to raise the rate further should the inflation not descend to its 2% target. How much further financial and mental distress can Canadians endure before reaching their breaking point?
今天你也许关心的话题：
特鲁多宣布企业偿还CEBA贷款期限可再延长一年
美国纽约长岛连环杀人案在十余年后破案 媒体都起了哪些关键作用（上）
面临高利率按揭 许多人难以招架 数百套房业主在多伦多二手房市场抛售 交易量同比增长了7.6%
Canada’s inflation has emerged as a persistent challenge, remaining above the central bank’s target for 27 months. Bank of Canada (BOC), worrying about the broad detrimental effects of unchecked inflation on the economy, has waged an all-out fight to get the inflation back to the 2% target, mounting a shocking and aggressive campaign that saw interest rates raising from near-zero levels to a substantial 5%. The central bank’s aggressive monetary-tightening campaign has exerted tremendous financial pressure on average Canadians, leaving those heavily in debt grappling with profound hardship and pain.
浮动利率房贷者是央行连续升息行动中受害最深之一族。随着利率的快速上升，许多浮动利率房贷者的固定额月供已经不足以支付利息。在加拿大三大银行(TD, BMO 和 CIBC)的房屋贷款人中，约有20%的房贷账户到达了他们的贷款额度临界点，即固定的月供额已不足以支付利息欠款而使房贷总额增加且月供额度上升。更具体地说，大约有8,000名CIBC的客户增加了他们的月供，而超过1,000名客户都不得不向房贷账户中一次性填款。此外，许多人在抵押贷款续约时可能面临更为痛苦选择，亦或一次性填款，提高月供或转换成固定贷款利率合同。
The variable rate mortgage borrowers are the hardest hit by BOC’s relentless rate hikes. Amid a rapidly soaring rate, many would find their fixed monthly payment can no longer cover the interest owed. About 20% of the mortgage borrowers of the three major Canadian banks (TD, BMO and CIBC) have hit the trigger point where their mortgages balloon in size and where they face payment shocks. More specifically, about 8,000 CIBC clients had increased their monthly payments and more than 1,000 customers were making lump-sum payments. Moreover, many may face even more acute painful choices at the mortgage renewal, from topping up payments to increasing monthly payment to switching fixed mortgage rate.
大幅上升的抵押贷款续约利率给许多经济上已经处于困境的加拿大人士带来财务重创。住房财务危机，或居无住所是人生最大困境之一，能将困境之中受难者逼向绝境。尽管加拿大经济状况不差，但许多加拿大人却对经济前景悲观。根据加拿大心理健康的一项民意调查，接受调查的3,819人中，近40%的人表示经济问题影响了他们的心理健康，其中28%的失业人员和27%的经济困难人士表示在过去一年里有过自杀的念头。
A significant rise in mortgage renewal rates could prove devastating for many Canadians struggling financially. The financial threat over housing –- or the ability to put a roof over their head would cause the most significant distress , pushing them from desperate to borderline hopeless. Despite a decent economic growth in Canada, many Canadians are in a state of economic gloom. According to a poll released by Mental Health of Canada, nearly 40 percent of the 3,819 people it surveyed said financial issues are affecting their mental health, and that 28 per cent of unemployed people and 27 per cent of people having financial troubles reported having had suicidal thoughts in the past year.
但BOC持续的利率上升面前，加拿大人却哑巴吃黄连，有苦说不出，并找不到任何正当途径来发泄他们的沮丧和不满。与不列颠哥伦比亚省省长David Eby一道认为利率上升给工薪阶层带来的痛苦将超过其带来的好处的安大略省省长Doug Ford在一封给央行行长的信中，请求不要进一步提高利率。省长们表示：“利率上升对加国老百姓和企业都造成强烈负担，”他说：“家庭和企业都无法承受进一步利率上升的沉重打击。”但加国政治领导人的这些倾诉老百姓财务痛苦的言辞却收到抨击，并被扣上了政治干预央行决策的帽子。
Canadians grappling with the hardship and pain from the BOC’s continuous rate hikes have to swallow the bitter pill, yet lacking an appropriate outlet to vent their frustrations. Arguing that the suffering caused by the rate hikes to workers will outweigh the benefits, Ontario Premier Doug Ford echoed the sentiments of B.C. Premier David Eby. In a letter to the governor of the bank, he urged against further rate hikes “Interest rate hikes were a burden on people and businesses, “ said the Premier. “Families and businesses cannot afford the crushing impact of further rate hikes.” However, politicians who harness their political power to voice these concerns on behalf of Canadians met with criticism of politicizing the rate discussion and attempting to interfere with the Bank of Canada's decisions.
加国联邦财政部长弗利兰对央行暂不提高利率的最新决定感激涕零。但鉴于对政治干预之批评的担忧，她没有呼吁央行不继续涨息并结束给加国人士造成财务灾难的货币政策的要求。这位财政称：“加国政府充分认识到加拿大中央银行独立性的重要性。”
Federal Finance Minister Christia Freeland acknowledged her appreciation for the BOC's recent decision to pause rate hikes. However, in light of the backlash against politicians for political meddling, she refrained from calling for a halt to further increases and an end to policies hurting Canadian families. "Our government recognizes the significance of an independent central bank for Canada," said the Finance Minister.
加拿大的通货膨胀率从去年六月的8.1%的高点下降到今年6月的2.8%，但加拿大人为这一巨大降幅付出了沉重的代价。数百万加拿大人的经济困境是加国央行为完成其使命，坚定不移地履行其控制通胀职责的“共同牺牲品”。尽管公众对货币紧缩造成经济后果表示强烈不满，但中央银行仍然决然。加息绝不手软。在它9月的声明中表示，央行虽决定暂不升息，但如果通货膨胀不降至其2%的目标，它还会进一步提高利率。面临财务和精神崩溃边缘的加国人士到底还能承受多少经济和心理的压力？
Canada’s inflation plunged to 2.8% in June 2023 from its peak of 8.1% the previous year, a remarkable decline for which Canadians paid hefty prices. The millions of Canadians’ financial hardship was just collateral damage in BOC’s grand mission to fulfill its mandate and its steadfast commitment to its objectives. Despite public outcries over the economic repercussions of monetary tightening, the central bank remained resolute. In its September statement where it temporarily held the rate steady, the bank indicated its willingness to raise the rate further should the inflation not descend to its 2% target. How much further financial and mental distress can Canadians endure before reaching their breaking point?
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