銀公孫煜:市場預期拆息仍有上升空間 加P要視乎資金成本
中銀香港(02388.HK)副董事長兼總裁孫煜今年接任香港銀行公會主席,他於公會會議後表示,展望今年隨著放寬防疫措施及通關,將帶動消費活動增加,預期香港經濟今年重回正增長。
孫煜指,今年公會以重新出發為主題,有五大重點工作,在保障客戶方面,將會推出銀行間信息共享平台、優化防詐騙平台,以及加強網上信用卡授權交易控制等。而在連接內地聯通世界層面,將持續發展跨境理財通,並推出跨境支持匯款服務。
被問到今年香港會否再調升最優惠利率(P),他指,去年聯儲局加息,港息跟隨上升,而目前市場預期美息未來仍會上升,港元拆息亦仍有上升空間,會否加P要視乎銀行自身資金成本和業務策略等。
樓市方面,他指,雖然息口上升將繼續影響樓市,但今年有通關帶動經濟活動復甦,加上住宅供應仍然緊張,都對樓市帶來支持。對於放寬壓測,他認為,本港銀行香港資產質素審批素來審慎,樓按申請人償還能力亦較強,預期今年按揭質量將保持穩健。
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