香港金融管理局（金管局）今日(7月30日)发表的统计数字显示，离岸存款被调回香港，有助纾缓98年6月份银行业的流动资金状况。附表1列出6月份的摘要数字和过去数月的比较数字。
存款
98年6月份整体存款上升1.4%，扭转对上两个月的跌势，其中港元存款上升1.0%，而外币存款则上升2.0%。
整体存款增加，主要原因是当局于6月22日宣布豁免对商业机构征收存款利息收入的利得税。
6月份港元存款中，定期存款上升3.7%，往来存款和储蓄存款则分别下跌1.9%和7.1%。鉴于亚洲金融市场再度波动，日圆汇价尤见疲弱，银行于6月中推出较高的定期存款利率，颇受存户欢迎。由于外币存款增长速度比港元存款略高，港元存款占整体存款比重由5月底57.7%微跌至6月底57.5%。
贷款及垫款
6月份贷款和垫款总额减少1.8%，其中海外贷款持续向下，录得3.5%的跌幅。海外贷款减少，部分是受到日圆下挫造成的估值效应影响。此外，6月份本地贷款也略为减少0.7%，其中贸易融资贷款进一步减少0.4%，在香港使用的其他贷款减少0.7%。由于港元贷款和存款之间此消彼长，以致港元贷存比率由5月底的113.2%，跌至6月底的111.5%。
按主要经济行业分类的在港使用贷款季度分析
第二季本地贷款下跌0.2%，较第一季录得的1.2%跌幅为小。随着经济活动放缓，贷款需求普遍减弱，同时银行也继续采取审慎的贷款政策。受到零售市况低沉影响，批发和零售业贷款减少1.5%，持续第一季报跌4.1%的趋势。此外，制造业和贸易融资贷款也见减少，分别报跌1.9%和2.7%。基于股市市况不景，对证券经纪的贷款和财务机构的贷款分别下跌19.6%和5.3%。
但另一方面，占本地贷款约四成的地产有关贷款在第二季录得增长。建造及物业发展与投资的贷款稍告上升0.4%，扭转第一季录得0.4%的跌势。不少属于「居者有其屋计划」和「私人机构参建计划」的单位于6月份落成出售，致使为购置此两计划单位的贷款大幅上升11.8%。其他住宅物业按揭贷款的增幅由第一季的2.2%放缓至第二季的1.7%。另一方面，第二季运输业贷款增加3.7%。
货币供应
6月份货币供应增长持续放缓。港元货币供应M1减少1.7%，港元货币供应M2和M3则同告上升0.8%。在截至6月份的12个月内，港元货币供应M1下跌17.0%，港元货币供应M2和M3则分别上升0.4%和0.3%。
编辑注意
如有查询，请致电香港金融管理局新闻及出版组，电话为2878-8261。
香港金融管理局
1998年7月30日
| TABLE 1 : MONETARY STATISTICS - Jun 1998 |
||||||||||||
(HK$mn) |
||||||||||||
| Earlier months (% change to Jun 1998) |
||||||||||||
| Jun 1998 | May 1998 | Mar 1998 | Jun 1997 | |||||||||
| Money Supply | ||||||||||||
| M1 - HK$ | 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. |
||||||||||||
| TABLE 2 : QUARTERLY ANALYSIS OF LOANS FOR USE IN HONG KONG BY SECTOR - JUN 1998 |
||||||
| 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. |
||||||
