香港金融管理局（金管局）今日(7月30日)發表的統計數字顯示，離岸存款被調回香港，有助紓緩98年6月份銀行業的流動資金狀況。附表1列出6月份的摘要數字和過去數月的比較數字。
存款
98年6月份整體存款上升1.4%，扭轉對上兩個月的跌勢，其中港元存款上升1.0%，而外幣存款則上升2.0%。
整體存款增加，主要原因是當局於6月22日宣布豁免對商業機構徵收存款利息收入的利得稅。
6月份港元存款中，定期存款上升3.7%，往來存款和儲蓄存款則分別下跌1.9%和7.1%。鑑於亞洲金融市場再度波動，日圓匯價尤見疲弱，銀行於6月中推出較高的定期存款利率，頗受存戶歡迎。由於外幣存款增長速度比港元存款略高，港元存款佔整體存款比重由5月底57.7%微跌至6月底57.5%。
貸款及墊款
6月份貸款和墊款總額減少1.8%，其中海外貸款持續向下，錄得3.5%的跌幅。海外貸款減少，部分是受到日圓下挫造成的估值效應影響。此外，6月份本地貸款也略為減少0.7%，其中貿易融資貸款進一步減少0.4%，在香港使用的其他貸款減少0.7%。由於港元貸款和存款之間此消彼長，以致港元貸存比率由5月底的113.2%，跌至6月底的111.5%。
按主要經濟行業分類的在港使用貸款季度分析
第二季本地貸款下跌0.2%，較第一季錄得的1.2%跌幅為小。隨著經濟活動放緩，貸款需求普遍減弱，同時銀行也繼續採取審慎的貸款政策。受到零售市況低沉影響，批發和零售業貸款減少1.5%，持續第一季報跌4.1%的趨勢。此外，製造業和貿易融資貸款也見減少，分別報跌1.9%和2.7%。基於股市市況不景，對證券經紀的貸款和財務機構的貸款分別下跌19.6%和5.3%。
但另一方面，佔本地貸款約四成的地產有關貸款在第二季錄得增長。建造及物業發展與投資的貸款稍告上升0.4%，扭轉第一季錄得0.4%的跌勢。不少屬於「居者有其屋計劃」和「私人機構參建計劃」的單位於6月份落成出售，致使為購置此兩計劃單位的貸款大幅上升11.8%。其他住宅物業按揭貸款的增幅由第一季的2.2%放緩至第二季的1.7%。另一方面，第二季運輸業貸款增加3.7%。
貨幣供應
6月份貨幣供應增長持續放緩。港元貨幣供應M1減少1.7%，港元貨幣供應M2和M3則同告上升0.8%。在截至6月份的12個月內，港元貨幣供應M1下跌17.0%，港元貨幣供應M2和M3則分別上升0.4%和0.3%。
編輯注意
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香港金融管理局
1998年7月30日
| TABLE 1 : MONETARY STATISTICS - Jun 1998 |
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(HK$mn) |
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| Earlier months (% change to Jun 1998) |
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| Jun 1998 | May 1998 | Mar 1998 | Jun 1997 | |||||||||
| Money Supply | ||||||||||||
| M1 - HK$ | 170,182 | 173,107 | (-1.7) | 185,507 | (-8.3) | 204,922 | (-17.0) | |||||
| Foreign currency | 18,030 | 17,929 | (0.6) | 16,414 | (9.8) | 21,933 | (-17.8) | |||||
| Total | 188,212 | 191,036 | (-1.5) | 201,921 | (-6.8) | 226,855 | (-17.0) | |||||
| M2 - HK$@ | 1,681,825 | 1,668,511 | (0.8) | 1,678,693 | (0.2) | 1,675,252 | (0.4) | |||||
| Foreign currency* | 1,135,410 | 1,112,648 | (2.0) | 1,129,853 | (0.5) | 1,066,146 | (6.5) | |||||
| Total | 2,817,235 | 2,781,159 | (1.3) | 2,808,546 | (0.3) | 2,741,399 | (2.8) | |||||
| M3 - HK$@ | 1,696,175 | 1,682,489 | (0.8) | 1,693,582 | (0.2) | 1,691,594 | (0.3) | |||||
| Foreign currency* | 1,182,120 | 1,159,218 | (2.0) | 1,185,249 | (-0.3) | 1,136,606 | (4.0) | |||||
| Total | 2,878,294 | 2,841,707 | (1.3) | 2,878,831 | (0.0) | 2,828,200 | (1.8) | |||||
| Notes and coins in circulation | 90,576 | 92,219 | (-1.8) | 91,684 | (-1.2) | 96,801 | (-6.4) | |||||
| of which held by public | 79,193 | 80,347 | (-1.4) | 81,205 | (-2.5) | 81,704 | (-3.1) | |||||
| Total Deposits | ||||||||||||
| Total Demand deposits | 109,019 | 110,689 | (-1.5) | 120,716 | (-9.7) | 145,151 | (-24.9) | |||||
| Total Savings deposits | 464,511 | 486,751 | (-4.6) | 517,489 | (-10.2) | 532,640 | (-12.8) | |||||
| Total Time deposits | 2,135,297 | 2,073,170 | (3.0) | 2,075,735 | (2.9) | 1,986,347 | (7.5) | |||||
| With licensed banks | 2,087,703 | 2,026,326 | (3.0) | 2,020,890 | (3.3) | 1,924,444 | (8.5) | |||||
| With restricted licence banks | 37,046 | 36,092 | (2.6) | 42,314 | (-12.4) | 47,387 | (-21.8) | |||||
| With deposit-taking companies | 10,549 | 10,752 | (-1.9) | 12,531 | (-15.8) | 14,516 | (-27.3) | |||||
| HK$ deposits@ | 1,556,814 | 1,541,590 | (1.0) | 1,557,098 | (0.0) | 1,566,381 | (-0.6) | |||||
| Demand deposits | 90,989 | 92,760 | (-1.9) | 104,302 | (-12.8) | 123,217 | (-26.2) | |||||
| Savings deposits | 309,886 | 333,657 | (-7.1) | 362,660 | (-14.6) | 381,297 | (-18.7) | |||||
| Time deposits@ | 1,155,938 | 1,115,173 | (3.7) | 1,090,135 | (6.0) | 1,061,866 | (8.9) | |||||
| US$ deposits* | 645,634 | 606,152 | (6.5) | 617,730 | (4.5) | 514,910 | (25.4) | |||||
| Other foreign currency deposits* | 506,379 | 522,868 | (-3.2) | 539,112 | (-6.1) | 582,846 | (-13.1) | |||||
| Foreign currency deposits* | 1,152,013 | 1,129,020 | (2.0) | 1,156,842 | (-0.4) | 1,097,756 | (4.9) | |||||
| All deposits | 2,708,827 | 2,670,610 | (1.4) | 2,713,940 | (-0.2) | 2,664,137 | (1.7) | |||||
| Foreign currency swap deposits | 35,190 | 37,528 | (-6.2) | 40,194 | (-12.4) | 37,419 | (-6.0) | |||||
| Total Loans and advances | ||||||||||||
| Loans for use in H.K. | 2,198,951 | 2,214,495 | (-0.7) | 2,203,438 | (-0.2) | 2,111,502 | (4.1) | |||||
| To finance H.K.'s visible trade | 158,588 | 158,542 | (0.0) | 162,479 | (-2.4) | 175,017 | (-9.4) | |||||
| To finance merchandising trade not touching H.K. | 18,469 | 19,251 | (-4.1) | 19,513 | (-5.4) | 21,007 | (-12.1) | |||||
| Other loans for use in H.K. | 2,021,894 | 2,036,702 | (-0.7) | 2,021,446 | (0.0) | 1,915,477 | (5.6) | |||||
| Loans for use outside H.K.# | 1,395,134 | 1,445,951 | (-3.5) | 1,517,192 | (-8.0) | 2,174,520 | (-35.8) | |||||
| Other loans for use outside H.K. | 1,358,460 | 1,402,147 | (-3.1) | 1,474,825 | (-7.9) | 2,126,534 | (-36.1) | |||||
| Other loans where the place of use is not known | 36,674 | 43,805 | (-16.3) | 42,367 | (-13.4) | 47,986 | (-23.6) | |||||
| Loans in HK$ | 1,735,714 | 1,744,649 | (-0.5) | 1,732,612 | (0.2) | 1,685,841 | (3.0) | |||||
| Loans in US$ | 715,177 | 736,923 | (-3.0) | 742,983 | (-3.7) | 711,833 | (0.5) | |||||
| Loans in other foreign currencies | 1,143,195 | 1,178,874 | (-3.0) | 1,245,036 | (-8.2) | 1,888,348 | (-39.5) | |||||
| Loans in foreign currencies | 1,858,372 | 1,915,797 | (-3.0) | 1,988,019 | (-6.5) | 2,600,181 | (-28.5) | |||||
| Total loans and advances | 3,594,085 | 3,660,446 | (-1.8) | 3,720,630 | (-3.4) | 4,286,022 | (-16.1) | |||||
| * Adjusted to exclude foreign currency swap deposits. | ||||||||||||
| @ Adjusted to include foreign currency swap deposits. | ||||||||||||
| # Including those where place of usage is unknown. | ||||||||||||
Note : Data may not add up to total due to rounding. |
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| TABLE 2 : QUARTERLY ANALYSIS OF LOANS FOR USE IN HONG KONG BY SECTOR - JUN 1998 |
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| Jun 1998 | Adjusted# % change from earlier quarters to Jun 1998 | |||||
| (HK$ Mn) | ||||||
| Sectors | Mar 1998 | Dec 1997 | Jun 1997 | |||
| Trade Financing | 177,057 | -2.7 | -8.2 | -9.7 | ||
| Manufacturing | 105,950 | -1.9 | -4.7 | -7.9 | ||
| Transport and transport equipment | 105,866 | 3.7 | 6.5 | 13.4 | ||
| Building, construction, property | 440,286 | 0.4 | 0.1 | 6.6 | ||
| development and investment | ||||||
| Wholesale and retail trade | 195,428 | -1.5 | -5.6 | -4.0 | ||
| Financial concerns * | 254,397 | -5.3 | -6.3 | 2.3 | ||
| Stockbrokers | 7,803 | -19.6 | -49.5 | -63.9 | ||
| Individuals: | ||||||
| to purchase flats in the Home | 66,685 | 11.8 | 10.4 | 14.6 | ||
| Ownership Scheme and Private | ||||||
| Sector Participation Scheme | ||||||
| to purchase other residential | 499,404 | 1.7 | 4.0 | 16.6 | ||
| property | ||||||
| other purposes | 153,772 | 0.8 | -0.1 | 7.3 | ||
| Others | 192,304 | -0.3 | -2.7 | 0.5 | ||
| Total | 2,198,951 | -0.2 | -1.4 | 4.1 | ||
| # |
With the introduction of the new Return on Loans and Advances and Provisions (as revised from the Return on Loans and Advancesfor Use in Hong Kong) as from December 1994, a number of AIs have reclassified certain components. As a result, the figures are notstrictly comparable with those of previous quarters. The percentage changes given above have been adjusted, so far as possible, toremove the reclassification effect and therefore cannot be calculated directly from the published figures. | |||||
| * | This excludes funds advanced to authorized institutions. | |||||
Note : Data may not add up to total due to rounding. |
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