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去年至今年1月累計160間財務公司結業 受累利率抽升
據公司註冊處數據,去年至今年1月持牌放債人數目減少160間至2,254間,主要受累於香港利率抽升,單計今年1月就有16間財務公司結業。 《信報》引述業界人士稱,大量拖欠銀行及財務公司債項的中小企老闆破產,而樓價亦自高位下跌兩成,導致欠債人被收樓後銀行及財務公司取得的抵押品價值亦會下跌兩成,令欠缺實力的財務公司結業。 另政府早前修改放債人法定利率上限,由年息60厘降至年息48厘,但一些財仔營運規模較細,事事經人手處理,難節省成本,在貸款壞賬風險上升情況下,利潤率卻被壓低,亦是令財務公司選擇離場的原因之一。
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