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金管局:去年第四季近三成中小企認為向銀行貸款批核較困難
阿思達克 03-02 17:03
金管局公布去年第四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的觀感,73%受訪者認為在去年第四季銀行貸款批核的取態與月六個前相比「沒有分別」或「較容易」,前一季的結果為75%。27%受訪者認為銀行的有關取態「較困難」,前一季的結果則為25%。雖然去年第四季比第三季有較多百分比的受訪者感覺銀行批核貸款較六個月前困難,但情況仍較2016年下半年為佳,也與2017年和2018全年的平均結果大致相若。惟當局指,應注意大部分受訪中小企在季內並沒有向銀行申請新貸款,而且中小企對銀行貸款批核取態的觀感受多項因素影響。因此,貸款較困難的觀感並不一定反映中小企在借貸上遇到實質困難。在已獲批貸款的受訪者中,86%表示銀行在去年第四季就已批出貸款的取態「放寬」或「沒有分別」,高於前一季的68%。14%受訪者表示銀行在去年第四季對其貸款的取態有所「收緊」,前一季的結果為32%。在本調查中,貸款收緊的含義包括各種可能,例如降低備用信貸額和貸款額、信貸利率上升、增加抵押品要求、或縮短貸款年期等。因此,受訪者表示銀行對其貸款的取態並不直接反映銀行對中小企的貸款投放。調查亦收集有關中小企新貸款申請的結果。3%受訪者表示曾於去年第四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佔87%,表示申請不成功的受訪者則佔13%,情況跟第二及第三季大致相若。當局並指,由於季內有已獲批貸款的中小企及有申請新貸款的中小企數目較少,分別僅佔受訪中小企的9%及3%,調查結果容易出現較大波動,詮釋時需要注意。
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