但各银行表示，监管机构今年抑制贷款的决心似乎更坚定，并且首次对外资银行发布了同样的指令。
But bankers say regulators seem more determined to enforce the curbs this year and have for the first time issued the same orders to foreign Banks.
分析师们表示，中行和其它外资银行通过这么做，能够得益于当今尤其具有吸引力的放贷条款和息差。
In so doing, Bank of China and other foreign lenders are taking advantage of underwriting terms and spreads that are particularly attractive today, analysts say.
然而，银行家们表示，外资银行扩张的最大障碍，是寻找高素质员工来运营新的分支机构，并为客户提供品种更丰富的产品。
However, bankers say that the biggest obstacle to expansion is finding enough quality staff to operate new branches and serve customers with a wider product range.
对于外资银行的加入，盖瑞特先生说：“我对此表示担忧，他们可能应该被区别对待，但是国会却没有据此发表任何言论。”
As for the participation of foreign banks, Mr. Garrett said: "I have a concern with it, they probably should be treated differently, but Congress is really not getting any say."
对于外资银行的加入，盖瑞特先生说：“我对此表示担忧，他们可能应该被区别对待，但是国会却没有据此发表任何言论。”
As for the participation of foreign banks, Mr. Garrett said: "I have a concern with it, they probably should be treated differently, but Congress is really not getting any say."
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