这是农业贷款的主要约束，因为农夫们无法抵押自己的土地以换取购置作物种籽的贷款。

That's a major constraint on farm borrowing as farmers cannot mortgage their land in exchange for loans, for instance to buy seeds to plant.

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在一连串无约束的国有银行贷款的扶持下，过去一年某些地区楼价大幅飙升再创新高。

In the past year property prices have surged to new highs in some places, helped by a torrent of carefree lending from state-run Banks.

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中国当前作为基准的一年期贷款利率是6.31%，比预期通胀率约高一个百分点，这被认为是对银行贷款活动一种相对温和的约束。

China's current benchmark one-year lending rate is 6.31%, about one percentage point higher than expected inflation, which is considered a relatively modest constraint to lending.

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