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環聯:本港私人貸款市場復甦 3月至8月新增總貸款金額按年升4%
阿思達克 11-09 11:53
環聯(TRU.US)最新調查結果顯示,本港私人貸款市場較去年出現復甦跡象,今年3月至8月期間客戶數目、新增貸款宗數及以港元計算的總貸款金額均錄得按年增長,其中行業按年增長率分別達到5%、7%及4%,銀行按年增長7%、8%及1%。 財務公司期內新增貸款宗數及港元計價新增總貸款金額分別增長6%及8%,但總客戶數目則較去年同期減少1%。環聯亦指出,財務公司於私人貸款業務中所見的逾期還款率及壞帳亦有所增加,二線和三線財務公司的年度壞帳率分別按年增加3.3%及3.4%,顯示相關機構或需要加強風險管控能力,從而維持可持續增長。 環聯認為,最新調查反映的增長趨勢,與今年7月進行的環聯第三季消費者脈膊調查結果吻合,顯示消費者對經濟前景的預期有所改善。另外調查也發現,有意在未來12個月內申請新信貸,或為現有信貸進行再融資的消費者比例回升至35%,為自2022年第二季以來最高位。
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