A key gauge of stress in the banking sector is now more than three times above the danger level, the Bank for International Settlements (BIS) says in its latest quarterly review.
国际清算银行在其最新季度评论中指出，中国银行业一项关键应力指标目前已经超过危险水平三倍以上。
China's credit-to-GDP gap hit 30.1 in the first quarter of 2016, it said. The BIS considers a credit-to-GDP gap of 10 to be a sign of potential danger.
该银行表示，中国2016年第一季信贷与GDP之比触及30.1。而国际清算银行将信贷与GDP之比达到10作为一个潜在危险的标志。
The BIS calculates the gap by looking at borrowing in relation to the size of the economy, and comparing that with the long-term trend of that ratio.
要想计算这一差额数据，国际清算银行首先要查找借贷和经济规模的关系，并且将这一数据和长期比率走势进行比较。
When the two start to diverge, the BIS argues, a banking crisis could be on the way.
国际清算银行认为，当两者开始出现分歧的时候，银行危机可能就要发生了。

The BIS has a central position in global finance as it provides banking services to central banks and monitors the international flow of money and credit.
国际清算银行处于全球金融的中心地位，因为该银行为各国央行提供银行服务，并且监控货币和信贷的国际流动。
The health of China's banking sector has long been a source of concern for financial markets.
中国银行业的健康状况一直以来都是金融市场所担忧的问题。
Since the financial crisis of 2007-2008 there has been a boom in credit as the Chinese government has attempted to spur flagging growth.
自从2007-2008年的金融危机以来，中国市场增加了大量信贷，因为中国政府试图以此来刺激经济增长。
But some of that lending has not been productive and the IMF estimates that loans worth $1.3 trillion are at risk of default.
但是部分贷款并没有带来经济的繁荣，国际货币基金组织估计1.3万亿美元的贷款存在违约风险。
However, as the Chinese banking system is largely owned or controlled by the government, analysts say it would bail out the banking sector if necessary.
不过，由于中国银行系统大部分都是由政府拥有或控制，因此分析人士认为，如果有必要的话中国政府将会出手帮助银行业渡过难关。