另外，一如既往，如在检视个案时发现涉嫌违法的行为(例如使用虚假文件)，按证保险公司和贷款机构 会采取必要的行动，包括向执法机构举报及提供协助。就中小企"百分百担保特惠贷款"而言，截至2025 年5月中发现的可疑个案有3552宗，占整体接获申请宗数约5%，涉及贷款额约105亿港元。其中1514宗 涉及约共50亿港元的贷款申请(超过四成)在按证保险公司或贷款机构进行审查时已被拒绝或阻截，其余 2038宗个案则于贷款提取后才被发现。这些个案部分仍在调查中，亦有部分已进入审讯甚至判决阶段。 至于"百分百担保个人特惠贷款"的1989宗可疑个案当中，有1544宗(接近八成)在申请审查过程中已被按 证保险公司或贷款机构拒绝或阻截。这方面的工作减少了一些潜在的风险和坏帐损失。 "百分百担保特惠贷款"及"百分百担保个人特惠贷款"已成功在疫情期间为数以万计的企业和人士提供适 切支援，但未来仍有大量后续工作要妥善处理。按证保险公司与贷款机构会继续审慎行事，尽量确保公 共资源得到妥善运用，同时在可行的情况下为有实际困难的借款人提供协助。 另外，香港金融管理局在2024年3月刊发的一份研究报告显示，"中小企融资担保计划"为各行业带来不 ...

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]