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存保會:上調保障額後 受保障存款增加26%至3.1萬億元
存保會開展優化存款保障計劃,包括建議將存款保障額由現時的50萬元,進一步提升至80萬元。 存保會主席劉燕卿表示,今次檢討自2021年展開,目的是緊貼國際標準水平,並非因為早前美國有地區銀行倒閉事件引發,但有考慮相關因素。 她指出,在現有保障水平下,有2,040萬個存戶獲得全額保障,佔存戶總數89%,涉及2.4萬億元存款。存款保障提高到80萬後,獲全額保障存戶數目增加83萬至2,123萬個,佔存戶總數92%,受保障存款增加26%至3.1萬億元,佔銀行體系總存款25%。 存保會總裁何漢傑表示,因應受保障存款總額增加,銀行業界每年供款平均增加26%,涉及總額約1億多元。業界初步對計劃反應正面,有信心得到銀行支持。至於銀行會否轉移相關成本至客戶要視乎不同銀行經營模式而定。 另外,何漢傑表示,由於虛擬資產屬投資工具,因此未有獲納入存款保障範圍。
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