香港按揭证券有限公司：中小企“百分百担保特惠贷款”批出贷款合共1439亿港元 惠及约4万家企业

Group 1 - The Hong Kong government has implemented special relief measures, including the "100% Guaranteed Personal Special Loan Scheme" and the "100% Guaranteed SME Special Loan Scheme," to support citizens and businesses during the ongoing pandemic challenges [1][2] - The "100% Guaranteed Personal Special Loan Scheme" has approved loans totaling HKD 4.66 billion, benefiting over 59,000 individuals, with an average loan amount of HKD 78,500. Approximately one-third of borrowers had a monthly income of HKD 12,000 or below before losing their main income [1] - The "100% Guaranteed SME Special Loan Scheme" has approved loans totaling HKD 143.9 billion, benefiting around 40,000 businesses and their 400,000 employees, aligning with the government's policy goals of supporting enterprises and preserving jobs [1] Group 2 - The estimated bad debt rate for the two loan schemes is set at 25%, but the actual cumulative bad debt rates as of mid-May are 15.6% for the SME scheme and 19.3% for the personal scheme, both lower than the estimated rate [2] - There have been 3,552 suspicious cases identified in the SME loan scheme, representing about 5% of total applications, involving loan amounts of approximately HKD 10.5 billion. A significant portion of these cases was flagged during the application review process [3] - In the personal loan scheme, 1,989 suspicious cases were identified, with nearly 80% being rejected during the application review, indicating effective risk management measures in place [3]