香港按证保险有限公司会与贷款机构跟进，落实以下安排： 智通财经APP获悉，据香港金管局，香港特别行政区行政长官今日(9月17日)于《行政长官2025年施政报 告》宣布，"中小企融资担保计划"下八成信贷担保产品的申请期将延长两年至2028年3月底，计划下的 总信贷保证承担额将额外增加200亿港元至合共3,100亿港元，而"还息不还本"安排将再度延长一 年。"还息不还本"安排的申请期，将由原来于2025年11月17日结束延长至2026年11月17日为止。 借款企业可于2025年11月1日起联络贷款机构查询具体安排。 (一) 合资格的借款企业可在2025年11月17日或之前，向贷款机构申请最多12个月的"还息不还本"期， 及/或在2025年11月18日至2026年11月17日期间，向贷款机构申请最多12个月的"还息不还本"期，即合 计的"还息不还本"期最长可达24个月；及(二) 就2025年11月18日起的新造贷款，合资格的借款企业可在 2026年11月17日或之前，向贷款机构申请最多12个月的"还息不还本"期。 ...

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]

Core Viewpoint - The Hong Kong government has implemented a "100% Guaranteed Special Loan" under the "SME Financing Guarantee Scheme," with a focus on managing bad debts and ensuring financial support for small and medium enterprises [1][2][3] Group 1: Bad Debt Management - As of April 2025, the cumulative bad debt rates for the 80%, 90%, and 100% special guarantee products are approximately 5.2%, 4.2%, and 15.6%, respectively, which are lower than the assumed overall bad debt rates of 12%, 16%, and 25% [1] - The Hong Kong Mortgage Corporation has been actively collaborating with lending institutions to manage default cases, including negotiating repayment plans with borrowing enterprises [2] - Approximately 5,400 cases of bad debts under the 100% special guarantee products are currently being pursued, with about 3,500 cases undergoing legal action [2] Group 2: Financial Implications - The revised budget for the 2024-2025 fiscal year allocated HKD 12.5 billion for management fees, administrative expenses, and bad debt repayments related to the scheme [1][3] - The actual bad debt rate may fluctuate based on the overall economic environment and the operational status of individual borrowing enterprises [3] - There are 3,519 applications suspected of involving illegal activities, with a total loan amount of approximately HKD 10.5 billion, leading to the rejection of 1,512 cases during the review process [3]