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调查81%受访中小企指次季银行贷款批核难度与前相若或较容易
阿思达克 07-25 17:34

金管局公布2019年第二季「中小企贷款状况调查」结果。关於中小企对银行贷款批核取态(即难易程度)的观感,81%受访者认为在2019年第二季银行贷款批核的取态与六个月前相比「没有分别」或「较容易」,19%受访者认为银行的有关取态「较困难」,情况与前一季大致相近。

在已获批贷款的受访者中,93%表示银行在2019年第二季就已批出贷款的取态「放宽」或「没有分别」,略高於前一季的90%。7%受访者表示银行在2019年第二季的取态「收紧」,前一季的结果则为10%。

调查亦收集有关中小企新贷款申请的结果。2.2%受访者表示曾於2019年第二季向银行申请新贷款。在已知申请结果的受访者中,表示申请完全成功或部分成功的受访者,由前一季的97%减少至87%;当中表示完全成功的受访者比例,由前一季调查时的55%增加至61%;表示申请不成功的受访者比例由3%增加至13%。应注意由於受访者数目相对较小(即仅占受访中小企的2.2%),因此中小企新贷款申请结果容易出现较大变动,读者应小心诠释调查结果。

金管局委托香港生产力促进局由2016年第三季起进行是项调查。调查按季进行,每次涵盖约2,500间不同行业的中小企。调查结果有助从需求角度了解中小企获得银行贷款的状况。

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