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.

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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.

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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.

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