香港金管局认为银行进一步降低最优惠利率的空间有限

Core Viewpoint - Hong Kong's deposit interest rates have fallen to zero, limiting banks' ability to further reduce their prime rates, as stated by the Hong Kong Monetary Authority's Vice President, Yueng Kwok-hang [1] Group 1: Interest Rates and Banking Strategy - Banks are advised to avoid further narrowing their net interest margins and to maintain a prudent strategy from a risk management perspective [1] - The slight increase in the non-performing loan ratio to 1.98% in the third quarter of last year indicates a decline in the credit quality of local enterprises, including commercial real estate loans [1] Group 2: Credit Quality Concerns - There is uncertainty regarding whether the credit quality in the commercial real estate sector has reached its bottom, with ongoing challenges highlighted [1]