金管局:83%受訪中小企指上季銀行貸款批核取態無分別或較容易
金管局公布上季「中小企貸款狀況調查」結果。83%認為銀行貸款批核的取態與6個月前相比「沒有分別」或「較容易」,與前一季的84%相若。18%認為銀行的有關取態「較困難」,稍高於前一季的15%。貸款較困難的觀感並不一定反映中小企在借貸上遇到實質困難,而是可以受多項因素,如媒體、新聞報道、生意經營狀況及親友的意見等所影響。
在已獲批貸款的受訪者中,82%表示銀行在上季就已批出貸款的取態「放寬」或「沒有改變」,前一季的結果為88%。18%受訪者表示銀行對其貸款的取態有所「收緊」,前一季的結果為12%。在本調查中,貸款收緊的含義包括各種可能,例如降低備用信貸額和貸款額、信貸利率上升、增加抵押品要求或縮短貸款年期等。因此,受訪者表示銀行對其貸款的取態並不直接反映銀行對中小企的貸款投放。
調查亦收集有關中小企新貸款申請的結果。3%受訪者表示曾於上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85%,前一季的結果為88%。表示申請不成功的受訪者佔15%,前一季的結果為12%。
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