金管局:銀行一直支持小巴業界 不會要求他們提早還款
金管局表示,近日有報道指小巴業界正面對經營困難,個別小巴經營者因此遭銀行提前追回貸款(「call loan」)。據金管局從活躍於小巴貸款的銀行了解,相關銀行一直支持小巴業界,即使近期業界面對客量下跌及經營成本上升,銀行在客戶繼續還款的情況下,不會要求他們提早還款。銀行亦表示,面對不明朗的業務前景,部分小巴經營者有意縮減或結束業務。儘管銀行按「預先批核還息不還本」原則向合資格小巴客戶提供還息不還本或部分還本安排,少數小巴經營者仍然選擇不再供款(或業界稱為「斷供」),因此銀行在保障自身權益的情況下,按貸款合約收回作為抵押品的小巴。
值得指出的是,雖然隨著疫情過去,「預先批核還息不還本」計劃在2023年7月底展開有序退出程序,銀行一直有繼續向面對經營困難的客戶提供信貸援助。針對小巴行業,銀行目前仍向150名小巴經營者提供信貸援助,當中140名選擇部分還本安排,其餘10名則選擇還息不還本安排。
金管局呼籲銀行繼續以包容的態度,在風險得到妥善管理的原則下,盡力向有財務困難的客戶提供適切信貸援助。
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