穆迪下調評級展望 銀行公會:客戶服務保持平穩 不會受重大影響
對於評級機構穆迪下調香港評級展望至「負面」,銀行公會署理主席陳文於銀公會議後表示,內地經濟持續向好基本面沒有改變,雖然香港受外圍環境不明朗因素影響,但本港有多項優勢,中長期仍充滿發展機遇。
至於對銀行業影響,他指,內地和香港銀行業一直穩步發展。這兩天信用市場反應顯示,內地和香港機構信用利差沒有明顯變化,整體市場平穩,本港銀行業對客戶提供服務將保持平穩,不會受到重大的影響。
展望明年利率走勢,他指,市場預期明年美國聯儲局減息5次,合共125個基點。香港市場方面,受年結因素影響,港元短期利率上升,令港元收益率曲線出現輕微倒掛,相信港元利率在年底前將於目前水平保持穩定。
他又指,由於預期高息環境仍會維持一段時間,加上外圍經濟增長放緩,對明年貸款業務仍有一定抑制性影響,但粵港澳大灣區進一步互聯互通將產生各類貸款需求。
他表示,內房業處於調整階段,香港銀行業一直以審慎原則作風險管理,並因應自身情況作撥備,銀行業面臨的信貸風險可控。
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