The Central Bank of China may lower further the reserve-requirement ratios and the interest rates to stimulate the economy; however, the probability of such measures is low, said Jing Ulrich from JPMorgan Chase & Co. Experts agree that yuan-loans will increase to 8 trillion yuan next year while the biggest concern remains a sharp slowdown in the property market that pushes steel and other industries down, said Zhang Zhiwei, chief economist at Nomura International.