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香港金融管理局總裁余偉文:保護銀行體系穩定和存戶利益財經新聞Financial News @ 2025-08-14T Back Hot News
Keyword:風險 匯豐 余偉文 商業房地產貸款
Concept:匯豐香港商業房地產貸款
余偉文表示,大眾難免再問銀行如此支持企業,會否犧牲銀行體系穩定和存戶的利益?其實大家毋須擔心,因為金管局一直密切監察香港銀行業整體穩健發展,金管局認為商業房地產貸款的信貸風險可控。香港銀行對本地地產發展及投資貸款的風險敞口,大部分是面向財務狀況相對良好的大型本地企業。至於本地中小型地產發展商及投資者的風險敞口,包括一些財政狀況較弱或資產負債比率較高的發展商及投資者,銀行早年已經采取了信貸風險緩沖措施,有關貸款大部分均有抵押品。此外,銀行沒有對任何單一借貸人過度集中。
金管局總裁余偉文相信,銀行特定分類貸款比率仍然有上升壓力,但認為商業房地產貸款的信貸風險可控。(港台圖片)
余偉文指商業房地產貸款信貸風險可控 壞帳銀行不切合目前穩健情況

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