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環聯報告:今年第三季香港新獲信貸消費者量按年增32% 應繳結欠升近16%
阿思達克 12-06 11:52
信貸資料服務機構環聯(TRU.US)發布最新的《2023年第三季信貸行業分析報告》,為金融機構提供最新的信貸市場分析及趨勢。隨著經濟指標日趨穩定加上政府的積極措施,信用卡持有人於香港經濟呈現復甦跡象的大環境下,持續充分使用信用卡。在今年第三季,所有風險級別之消費者的平均信用卡額度使用率均較去年同期有所上升,帶動信用卡結欠大幅增長。同時,香港新獲信貸消費者數量按年增長32%,幅度為疫情以來最高,顯示消費者信貸活動增長趨勢強勁。 報告指,新增信用卡宗數按年下跌12.2%,今年第二季新增信用卡的平均信用額較去年同期高出10.1%,反映金融機構更願意以信用額度滿足不斷提升的消費需求。現有的信用卡戶口亦反映消費者開支增長,今年第三季應繳結欠按年增加15.9%,人均結欠則按年增加14%,而現有信用卡的總信用額亦較去年同期增加2.7%。 所有風險級別之消費者的平均信用卡額度使用率在今年第三季均見上升,增幅最大為次級風險級別和次優風險級別。超優級別的信用卡持有人消費則較謹慎,信貸額使用率僅上升半個百分點。信用卡額度使用率及應繳款項結欠上升受強勁的零售活動帶動。單在今年8月,零售業銷貨價值按年增長13.7%,而今年首八個月的合計零售業銷貨額臨時統計數字則按年上升19.3%。 報告又指,隨著零售消費回升,加上金融機構尤其是虛擬銀行的推廣活動支持,循環貸款新增宗數持續增加。今年第二季,新增循環貸款宗數按年增加22.3%,但平均結欠則較去年同期減少11.2%。循環貸款的客戶一般為風險較高的消費者,平均結欠下跌反映金融機構的態度更趨審慎,為新增循環貸款設定較低的信貸額度。(sl/~
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