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環聯調查:本港首季信用卡個人消費開支按年升13%
阿思達克 06-07 11:28
環聯(TRU.US)發佈最新《2023年第一季信貸行業分析報告》顯示,香港信貸活動自疫後經濟復甦後顯著增長,主要信貸產品的新增貸款宗數於2022年第四季按年增長17%,為最近六個季度以來的首個正增長。 報告指,新增信用卡宗數錄得最高增幅,按年增加28%;新增信用卡的總信用額按年增加45%,而應繳款項結欠則增加18%,較上一季度的7.3%增幅有所上升。同時信貸報告查詢於今年第一季錄得接近49%按年增長,預計將會繼續保持新增信用卡宗數的積極走向。 至於在個人消費開支方面,今年第一季實際計算按年飆升13%,而整體投資支出增長在經濟前景改善的大環境下恢復至5.8%,其中27%接受訪消費者亦認為,可以自由分配的支出有所增加。 環聯亞太區研究及諮詢首席顧問陳源表示,信用卡行業已扭轉2022年及之前的低迷表現,並連續兩個季度錄得按年增長,而且大部分增長來自信貸風險最低的消費者,反映市場正重回上升軌道。隨著對經濟的信心有所增加,消費者正重新享受旅遊及購物等消費機會,並同時尋求最豐厚的獎償。(ca/s) ~
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