（原标题：香港金管局，辟谣！） 【导读】香港金管局驳斥传言，称无意设立"坏账银行" 中国基金报记者 吴娟娟 此前，部分媒体报道称，香港部分银行正讨论成立一家"坏账银行"，以处理银行业的不良贷款问题。相 关报道称，包括恒生银行和交通银行在内的银行，近期与咨询公司接洽，就设立专门机构处理坏账进行 讨论。建议之一是仿效内地，成立不良资产管理公司，令银行收回部分贷款。消息人士表示，相关讨论 仍处于初步阶段。 校对：纪元 制作：鹿米 香港金管局最新发布的香港银行业概况报告显示，截至2025年一季度末，香港银行体系维持稳健，资本 及流动性充裕。该报告显示，2025年一季度，尽管特定分类贷款比率微微上升，但是银行体系的资产质 量可控。 盈利方面，2025年一季度，零售银行整体税前经营性盈利同比增加15.8%。 存贷款方面，2025年一季度，香港银行业贷款总额增加0.6%；同期，香港银行业存款总额增加3.5%。 整体贷存比率由2024年第四季末的57.0%下降至2025年第一季末的55.5%。 截至2025年一季度末，银行体系的特定分类贷款比率由2024年第四季末的1.96%增至1.98%，信用卡贷 款及住宅按揭贷款的拖欠比 ...

Core Viewpoint - The Hong Kong Monetary Authority (HKMA) has denied rumors regarding the establishment of a "bad bank" to manage non-performing loans, stating that banks are managing credit risks prudently and that the overall health of the banking sector is sound [2][3]. Group 1: Banking Sector Health - The HKMA emphasizes that the banking sector's balance sheets are healthy, with a credit provisioning coverage ratio exceeding 140%, indicating sufficient reserves to cover potential losses [3]. - As of the end of Q1 2025, the specific classified loan ratio slightly increased from 1.96% to 1.98%, but the overall asset quality remains manageable [4][5]. - The average liquidity coverage ratio for Class 1 institutions was reported at 182.5%, significantly above the statutory minimum requirement of 100% [5]. Group 2: Profitability and Loan Trends - In Q1 2025, the pre-tax operating profit of the retail banking sector increased by 15.8% year-on-year [5]. - Total loans in the Hong Kong banking sector rose by 0.6%, while total deposits increased by 3.5% during the same period [5]. - The loan-to-deposit ratio decreased from 57.0% at the end of Q4 2024 to 55.5% at the end of Q1 2025 [5]. Group 3: Credit Quality - The delinquency rates for credit card loans and residential mortgage loans remained low, at 0.37% and 0.13% respectively, as of the end of Q1 2025 [5].

Core Viewpoint - There are rumors regarding the establishment of a "bad bank" in Hong Kong to manage non-performing assets, but the Hong Kong Monetary Authority (HKMA) has denied any such plans, emphasizing the overall health of the banking sector and sufficient credit provisions [1][2]. Group 1: Banking Sector Health - The HKMA stated that the banking sector's balance sheets are healthy, with a credit provision coverage ratio exceeding 140% and strong profitability [1]. - As of the first quarter of this year, the total loan amount in Hong Kong's banking sector increased by 0.6% year-on-year, with loans used within Hong Kong rising by 0.8% and those used outside by 1.1% [2]. - The non-performing asset ratio in Hong Kong's banking sector only increased by 0.02% from the end of last year, reaching 1.98%, with residential mortgage non-performing loans at a mere 0.13% as of the end of May [2]. Group 2: Capital and Provisions - Hong Kong banks have ample provisions, with a credit provision coverage ratio of approximately 145% when accounting for the realizable value of collateral against non-performing loans [3]. - The total capital ratio for local banks was reported at 24.2% as of the end of March, significantly above international standards, indicating strong capital strength [3].

Group 1 - The Hong Kong Monetary Authority (HKMA) has no intention of establishing a "bad bank" [1] - The banking sector in Hong Kong maintains a robust balance sheet [1]

据媒体报道：韩国寻求通过追加预算成立坏账银行。 ...