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《公司专访》大新银行(02356.HK)电子渠道私贷占整体20% 续推数码化
阿思达克 05-20 16:16
大新银行(02356.HK)总经理及零售银行处副主管邓子健接受本网访问时表示,去年该行私人贷款录得低单位数增长,表现跑赢同业,去年市场上私人贷款录得双位数倒退。今年首四个月行业私人贷款跌幅较去年放缓,该行今年目标则是录得正增长。

他指,在新型肺炎疫情下,私人贷款生态亦发生变化,例如税单延迟发出,令往时最迟於2月截止的税务贷款申请,今年亦延长至6月,他预计是次税务贷款按年表现持平,而受惠於贷款成本下降,是次税贷利率已较去年减价30点子。

该行3月起推出息率低至1.68厘的「快应钱」贷款服务,邓子健指主要针对专业人士,相关人士信贷风险较低,但在疫情期间亦有资金需求,相关贷款平均贷款额高於整体平均的25万元,惟未有透露具体金额。

随着该行推出数码化进程,邓子健指现时私人贷款之中20%透过电子渠道进行,相关占比近年增长迅速。由於申请程序更加便利,该行今年首季信用卡发卡量按年增长超过20%。邓子健指,该行下一步将提升分行及电话销售的数码化进程,现时大新於本港共有44间分行。

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