Hong Kong dollar deposits increased by 0.5%

According to the currency statistics released by the HKMA, there was no significant change in the total amount of Hong Kong deposits in June

Hong Kong dollar deposits alone, demand deposits fell 2.5% to 1.08 trillion yuan, and savings deposits fell 1.9% to 2.78 trillion yuan. The increase of 3.8% to 3.08 trillion yuan offset the related decline, which caused the overall Hong Kong dollar deposits to rise by 0.5% to 6.95 trillion yuan.

Ye Zeheng, a senior foreign exchange market strategist in East Asia (00023), believes that the bank’s transition to the end of June is the end of June, and the investment market sentiment is deteriorating. It is estimated that investors will find risky assets to find stable returns, and the risk is low. , to push up the size factor.

Negative assets building

Li Ruofan, an economist at Huaqiao Yongheng Bank, said that the size of the current and savings deposits (CASA) fell in June, mainly because of the flow of funds to time deposits. In July, the Hong Kong dollar funds were tight, and individual banks set up deposits again, giving the total deposits a chance. Further rise.

In terms of loans, total loans and advances increased by 1.1% in June. Among them, loans (including trade finance) used in Hong Kong increased by 1.2% compared with May. The growth rate of annualized loans in the first six months was 8.4%, compared with the first May. The 7.4% is slightly faster. The HKMA also mentioned that loans (including trade finance) used in Hong Kong in the second quarter increased by 2.3% after a 2.2% increase in the previous quarter. Analysed by economic use, the growth of these loans in the second quarter was mainly driven by residential mortgage loans and loans for construction and property development and investment.

The property market has stabilized and the number of residential mortgage loans for negative equity has also decreased from 44 at the end of the first quarter of 2019 to one at the end of the second quarter of 2019, and the amount involved has dropped from 230 million yuan to 3 million yuan. The HKMA pointed out that this case involves loans for mortgage insurance schemes, and the mortgage rate of such loans is generally higher.

The overall mortgage market has not recovered. In June, the number of new applications for loans decreased by 27.1% from May to approximately 12,700. The newly approved loans fell by 14.6% to RMB 44.7 billion.

The pool of human currency funds is 3.9%

Renminbi deposits performed poorly, down 3.2% month-on-month to 604.2 billion yuan. The balance of deposit certificates also fell 19.4% month-on-month to 23.6 billion yuan, reducing the overall RMB pool size by 3.9% to 627.8 billion yuan. The total amount of RMB remittances settled by cross-border trade also fell by 7.6% to 440.6 billion yuan, but higher than the 420.7 billion yuan in April.

A spokesman for the HKMA pointed out that overall, the RMB fund pool has maintained a narrow range since the beginning of this year. In June, the Hong Kong Renminbi Instant Payment Settlement (RTGS) system has an average daily transaction volume of more than one trillion yuan, reflecting Hong Kong’s continued support for large amounts of RMB finance. Intermediary activities.


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