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。