阮國恒:下調CCyB比率釋放4000億借貸資金 盼向中小企發出支持訊號  (17:57) – 20241018 – 即時財經新聞

措施包括下調逆周期緩衝資本(CCyB)比率、應用新資本規則,以及銀行承諾就「預先批核還息不還本」計劃下「部分還本」,延長部分還款期或提供不同還款比例等更彈性安排等。

金管局宣布將CCyB比率由1%下調至0.5%,即日生效。阮國恒解釋,CCyB比率為參照經濟周期及房地產市場的參數,而去決定CCyB比率,而經濟周期處於正常狀態下、CCyB比率為1%,惟現時本港個別行業所面臨及取得企業貸款的挑戰較大。他續指,下調旨在向銀行提供更大資本空間,支持中小企,而根據金管局內部估算,有關CCyB比率下調0.5百分點,相等於可釋放銀行業界於3000億元至4000億元的借貸資金。

阮國恒提到,雖然下調CCyB比率為即時生效,但上調則需給予銀行一年的準備時間,盼銀行不用憂慮有關機制會出現短時間內上調的情况。另外,他觀察到有關的參數,短時間內要上調CCyB比率機率較低,呼籲銀行放心可利用資本空間支持中小企。

金管局同時宣布原於明年1月1日生效的實施《巴塞爾協定三》修訂要求,提早兩個多月於即日生效。金管局助理總裁(銀行政策)陳羿表示,有關《巴塞爾協定三》擴大對中小企的定義,提早實行修訂則允許銀行,應用對中小企貸款較優惠的資本要求,進行中小企貸款業務,當尸包括修訂中涵蓋全年銷售額1億元,提升至5億元。另亦將其他貸款(超過1000萬元)的風險權重l00%降至85%,降低銀行貸款資本成本。

至於其他中小企支援措施方面,16間活躍於中小企貸款的銀行,已於其貸款組合中預留共超過3700億元中小企專項資金。金管局助理總裁(銀行監理)朱立翹表示,該16間銀行佔本港中小企貸款市場份額超過九成,相信該措施效果顯著。

金管局於8月成立「中小企融資專責小組」,阮國恒表示至今小組收到100宗個案,當中兩成個案屬一般查詢且不需要跟進。另兩成個案屬客戶已知自身個案取得貸款有難度。至於另外六成個案,涉及貸款申請流程及銀行處理貸款手法,為屬金管局可提供協助壓縮申請流程的個案,未來將透過小組跟進有關個案。

朱立翹提到,小組收到100宗個案當中,有1個為有貿易公司向銀行申請「中小企融資擔保計劃」的貸款產品時,當時銀行因信貸紀錄為由,拒絕該貿易公司的申請。但當個案轉介至小組時,小組發現銀行當時的信貸紀錄未有所更新,而該銀行重新更新該貿易公司信貸紀錄後,最後公司成功取得貸款。

其他報道

李嘉誠、李澤鉅 減持郵儲行

破產管理署:今年首九個月破產呈請個案增17%至6699宗 創八年新高

莎莎預警中期盈利跌最多69% 北上旅遊拖累

莎莎上季港澳同店銷售跌20.7% 北上嚴重削弱本地消費力

證監會伙聯交所推新上市審批流程 百億市值大型A股設特快通道

全日沽空金額增18% 比率9.7% 創3年半新低 阿里沽空增30%

本港最新失業率維持3% 符預期 失業人數仍達11.9萬人

中國鐵塔首三季多賺11%至81.5億人幣

渣打歡迎金管局推多項支持中小企業措施

恒指收市升725點 成交急增35% 北水流出三周最多 中芯升16% 成交173億

京東金融:擠兌傳言不實 用戶資金受法律監管保護

抖音電商全年商品成交額升46%

來港僅2個月 日本過江龍「松屋」宣布開設第二間分店

人行互換便利規定 質押率上限90%

橋水旗下中國對冲基金增持中國股票 稱估值仍有吸引力

瑞銀料內地券商股第三季純利増最多30% 看好中信証券

澳新:維持內地全年GDP增4.9%

匯豐:3月至今逾7000名中小企客戶受惠利息回贈 歡迎金管局新一輪措施

瑞穗:內地全年GDP可達5% 外資短期或先從中國投資獲利

金管局成立CMU OmniClear 以營運債務工具中央結算系統

A股午後暴漲 滬指升3% 創板指飈近8% 兩市成交額逾2萬億人幣

結業潮︱慈雲山慈正邨U購 11月3日結業 10月最少8間門市執笠



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