調查81%受訪中小企指次季銀行貸款批核難度與前相若或較容易
金管局公布2019年第二季「中小企貸款狀況調查」結果。關於中小企對銀行貸款批核取態(即難易程度)的觀感,81%受訪者認為在2019年第二季銀行貸款批核的取態與六個月前相比「沒有分別」或「較容易」,19%受訪者認為銀行的有關取態「較困難」,情況與前一季大致相近。
在已獲批貸款的受訪者中,93%表示銀行在2019年第二季就已批出貸款的取態「放寬」或「沒有分別」,略高於前一季的90%。7%受訪者表示銀行在2019年第二季的取態「收緊」,前一季的結果則為10%。
調查亦收集有關中小企新貸款申請的結果。2.2%受訪者表示曾於2019年第二季向銀行申請新貸款。在已知申請結果的受訪者中,表示申請完全成功或部分成功的受訪者,由前一季的97%減少至87%;當中表示完全成功的受訪者比例,由前一季調查時的55%增加至61%;表示申請不成功的受訪者比例由3%增加至13%。應注意由於受訪者數目相對較小(即僅佔受訪中小企的2.2%),因此中小企新貸款申請結果容易出現較大變動,讀者應小心詮釋調查結果。
金管局委託香港生產力促進局由2016年第三季起進行是項調查。調查按季進行,每次涵蓋約2,500間不同行業的中小企。調查結果有助從需求角度了解中小企獲得銀行貸款的狀況。
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