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環聯:疫情對本港消費者信貸市場影響正逐步浮現
阿思達克 06-15 14:31
環聯(TRU.US)發佈《2022年第一季信貸行業分析報告》,指出第五波疫情對香港消費者信貸市場造成影響,多個類別的信貸產品需求低迷,反映消費者信心不足。 報告指出,今年首季信貸查詢宗數只達2019年第一季整體水平的77%,與2021年首季比較亦只達91%的水平。各主要消費者信貸產品查詢宗數下降,其中按揭跌幅最爲明顯,按年下跌36.9%,而信用卡亦下跌12.4%。環聯表示,查詢宗數通常反映消費者信心,而同期進行的「環聯消費者脈搏研究」反映過去三個月26%的受訪者家庭收入錄得下跌。 另外,環聯表示,新增貸款宗數受消費者對新信貸需求下降所影響,去年年第四季信用卡新增貸款宗數按年下跌25.8%。但另一方面,其他類別的信貸產品新增宗數卻錄得按年增長,其中以無抵押循環貸款的升幅最大,達130.1%。疫情初期,無抵押循環貸款錄得顯着跌幅,但最近數季出現明顯好轉。 環聯香港區行政總裁林嘉儀表示,在第五波疫情之前,香港消費者信貸市場本來正逐步恢復至疫情前的水平,雖然信貸市場最終都會重回高位,但近期疫情延長復甦時間。消費者及財務機構應保持信心,因爲香港經歷之前數波疫情後都顯示了韌性和復原能力,相信本波疫情後沒有例外。
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