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金管局调查:59%受访者认为银行第三季贷款批核取态与半年前相比「没有分别」或「较容易」
阿思达克 11-03 09:46
金管局公布今年第三季「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,撇除回答「没意见/不知道」的受访者,59%认为银行在今年第三季贷款批核的取态与6个月前相比「没有分别」或「较容易」,前一季的结果为64%。41%认为银行的有关取态「较困难」,前一季的结果则为36%。

「较困难」百分比上升主要反映季内未曾向银行申请或查询新贷款的中小企的观感,而其余曾向银行申请或查询新贷款的受访者当中认为「较困难」的百分比则相对稳定。因此,贷款较困难的观感并不一定反映中小企在借贷上遇到实质困难,而是可以受多项因素(如媒体/新闻报导﹑生意经营状况及亲友的意见等)所影响。

在已获批贷款的受访者中,82%表示银行在今年第三季就已批出贷款的取态「放宽」或「没有分别」,低於前一季的95%,但与2019年第四季的86%及今年第一季的83%相若。18%受访者表示银行在今年第三季对其贷款的取态有所「收紧」,高於前一季的5%,但与去年第四季的14%及今年第一季的17%相若。在本调查中,贷款收紧的含义包括各种可能,例如降低备用信贷额和贷款额、信贷利率上升、增加抵押品要求、或缩短贷款年期等。因此,受访者表示银行对其贷款的取态并不直接反映银行对中小企的贷款投放。

调查亦收集有关中小企新贷款申请的结果。5%受访者表示曾於今年第三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占95%,高於前一季的90%,表示申请不成功的受访者则占5%,低於前一季的10%。

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