8月份贷款与垫款总额下跌0.4%，由年初截至8月底计则上升1.0%。其中在香港使用的贷款(包括贸易融 资)及香港境外使用的贷款在8月份分别下跌0.1%及1.3%。由于港元存款的跌幅较港元贷款的跌幅大，港 元贷存比率由7月底的73.1%，上升至8月底的74.6%。 统计数字显示，认可机构的存款总额在2025年8月份上升0.9%，其中港元存款下跌2.1%，外币存款则上 升3.3%，主要反映企业资金流动。由年初截至8月底计，存款总额及港元存款分别上升8.7%及2.6%。香 港人民币存款在8月份上升3.2%，于8月底为9,680亿元人民币，主要反映企业资金流动。跨境贸易结算 的人民币汇款总额于8月份为9,969亿元人民币，而7月份为12,333亿元人民币。存款变动受多项因素影 响，包括利率走势、市场集资活动等，因此适宜观察较长期趋势，毋须过度解读个别月份的波动。 智通财经APP获悉，9月30日，据香港金融管理局披露，8月份港元货币供应量M2及M3同时下跌1.9%， 与去年同期比较则均上升4.0%。8月份经季节因素调整的港元货币供应量M1下跌2.9%，与去年同期比 较则上升16.1%，部分反映投资相关活动。货币供应量总 ...

Group 1 - The core viewpoint of the news is that the Hong Kong Monetary Authority reported a decline in the money supply in July, with M2 and M3 both down by 1.8% month-on-month, but up by 6.2% year-on-year [1] - The seasonally adjusted M1 money supply decreased by 2.3% in July, while it increased by 18.5% compared to the same month last year, reflecting investment-related activities [1] - Total deposits from recognized institutions rose by 0.2% in July, with Hong Kong dollar deposits down by 2.0% and foreign currency deposits up by 1.9%, indicating corporate fund flows [1] Group 2 - The total amount of loans and advances decreased by 1.1% in July, but increased by 1.3% year-to-date [2] - Loans used in Hong Kong and those used outside Hong Kong fell by 1.0% and 1.7% respectively in July [2] - The loan-to-deposit ratio for Hong Kong dollars increased from 72.0% at the end of June to 73.1% at the end of July, as the decline in Hong Kong dollar deposits was greater than that of loans [2]