金管局歡迎認可機構就疫情推紓緩措施 助客戶渡困境
金管局向各認可機構發信指,新型冠狀病毒爆發嚴重打擊香港經濟,認可機構的個人及企業客戶都受到影響,其中以中小企尤甚。
部分認可機構通知金管局計劃推出臨時紓緩措施,協助客戶渡過目前困境。有關措施包括容許住宅及商業按揭貸款暫緩償還本金、減免信用卡借款費用及重組企業貸款還款期等。金管局歡迎這些措施,並鼓勵其他認可機構考慮採取類似行動,認為銀行業主動回應,將有助減低是次疫症爆發造成的經濟影響。
金管局指認可機構應參照《香港個人財務困難處理守則》及《香港企業財務困難處理守則》,對因新型冠狀病毒而面對財政困難的客戶抱支持態度,在符合審慎風險管理原則的情況下,積極考慮該等借款人提出有關臨時紓緩安排的要求。認可機構亦應向相關職員清楚交代有關政策,以能按一致方式對待客戶,並要確保客戶在有需要時能聯絡相關職員以商討其財政狀況。
在中小企方面,金管局已於去年10月成立「銀行業中小企貸款協調機制」,加強銀行業對中小企的支持,並已推出多項支援措施。金管局會繼續就推出更多中小企紓緩措施與參與機構緊密合作,並會特別考慮因爆發新型冠狀病毒而受到較嚴重影響的行業的需要。 ~
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