金管局調查:第三季12%中小企認爲較難取得銀行貸款
金管局公佈第三季中小企貸款狀況調查顯示,88%受訪者認爲銀行貸款批覈的取態與六個月前相比「沒有分別」或「較容易」,高於前一季的72%。12%認爲銀行的有關取態「較困難」,低於前一季的28%。
季內,在已獲批貸款的受訪者中,95%表示銀行就已批出貸款的取態「放寬」或「沒有改變」,前一季的結果爲97%。5%受訪者表示銀行對其貸款的取態有所「收緊」,前一季的結果爲3%。
調查亦收集有關中小企新貸款申請的結果。4%受訪者表示曾於第三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89%,前一季的結果爲91%,表示申請不成功的受訪者佔11%,前一季的結果爲9%。
金管局指,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22%及4%,調查結果容易出現較大波動,詮釋時需要注意。
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