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华侨银行:港府纾困措施或仅短暂支持本地经济
阿思达克 01-20 14:47

华侨银行经济师谢栋铭发表报告,指行政长官林郑月娥上周宣布新一轮总值约100亿元的纾困措施,主要聚焦在长者及低收入人士的组别。纾困措施或只能为本地经济提供短暂的支持。香港经济短期内能否走出困局及出现反弹,主要取决於贸易风险降温能否推动经济复苏及本地社会不确定性的发展。

报告称,香港第一间虚拟银行众安银行於去年12月正式试业。金管局指其他三至四间虚拟银行将於今年第一季试业。短期内,华侨银行认为虚拟银行对传统银行体系的影响较有限。首先,面对行业剧烈的竞争及全球不确定性或削弱贷款的需求,虚拟银行或需要以较低的贷款利率来吸引顾客。因此,对净利息收入收窄的忧虑或限制了虚拟银行将存款利率推高至不合理的高水平。其次,在全球货币宽松政策的大环境下,尽管面临虚拟银行的竞争,华侨银行依然相信香港整体利率下行的风险高於上行风险。

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