香港電台「自由風自由PHONE」( 2024-08-19 ) 祥益總裁汪敦敬訪問

星期一午5時11分 香港電台第一台 自由風自由風

Monday at 5:11 PM, Radio Hong Kong Channel One, Free Wind Free Wind.

何巨業你好 陳彥平你好

Hello, He Juye. Hello, Chen Yanping.

近來大家都會關注一個問題

Recently, everyone has been paying attention to a question.

就是香港的經濟環境的情況

It is the situation of Hong Kong's economic environment.

特別是一些中小企及建造業的營運狀態

Especially the operational status of some small and medium-sized enterprises and the construction industry.

在昨天的2024年行政長官施政報告的地區諮詢會

At yesterday's regional consultation meeting for the 2024 Chief Executive's Policy Address.

在會上也有一些出席的市民看到

Some citizens present at the meeting also saw.

關於中小企融資的問題

About the issues of financing for small and medium-sized enterprises.

他們也有提出 似乎銀行是用了一些消極和保守的態度

They also suggested that the bank seems to have taken a somewhat negative and conservative attitude.

儘管政府已經推出了多項措施去支援中小企

Although the government has introduced various measures to support small and medium-sized enterprises.

但是銀行也有收緊貸款政策 甚至是退收貸款

However, banks have also tightened their lending policies and even withdrawn loans.

即是叫做call-on

This is called a call-on.

所以希望有一些新措施能夠支持中小企

Therefore, we hope that some new measures can support small and medium-sized enterprises.

何巨業好

He Juye is good.

如果我們回顧一下

If we look back at it,

在月頭的時候也有立法會的議員

At the beginning of the month, there were also Legislative Council members.

聯同一些利產代理業界的人士開過記者會

Held a press conference with some people from the real estate agency industry.

也說到有銀行call-on的情況

It also mentioned the situation of banks making call-ons.

但是我們回顧一下

But let's take a look back.

金管局對於call-on的問題也有一些回應

The Monetary Authority also has some responses regarding the call-on issue.

金管局副總裁阮國恆在接受多份報章訪問的時候

The Deputy Governor of the Hong Kong Monetary Authority, Au Ka-wang, gave interviews to several newspapers.

他也有說到

He also mentioned.

金管局在3月的時候就聯同銀行業中小企貸款協調機制

In March, the Monetary Authority, together with the banking sector, initiated a small and medium-sized enterprises loan coordination mechanism.

就是在這個機制之下

It is under this mechanism.

在3月推出了9項支持中小企的措施

Nine measures to support small and medium-sized enterprises were launched in March.

當中銀行承諾了即使抵押物業的價格下降

The bank promised that even if the value of the mortgaged property decreases.

按貸款的借款人如果能夠繼續如期還款

According to the borrower of the loan, if they can continue to repay on time.

也不鼓勵銀行要求他們提早還款

It also does not encourage banks to require them to repay early.

他也有說到

He also mentioned.

之前跟一些企業見過面

I have met with some companies before.

也有說過

It has also been said.

如果你們有什麼個案

If you have any cases.

譬如銀行call-on等等

For example, bank call-on, etc.

你可以將那些個案給金管局去看看

You can give those cases to the Monetary Authority to have a look.

但是他也說

But he also said

過去那一星期都沒有收到一些個案

I haven't received any cases in the past week.

所以回到你的問題

So back to your question.

何國業大家可能都會問

What country is He Guoye from, everyone might ask?

到底現在中小企

What about small and medium-sized enterprises now?

他們信貸經營的情況是怎樣

What is their credit management situation like?

有一個是追信貸的情況

There is a situation involving pursuing credit.

還是沒有追信貸的情況

There is still no situation of pursuing credit loans.

還是其實這個只是個別的例子

Or is this actually just an individual example?

譬如個別的銀行做法

For example, the practices of individual banks.

未必是反映了全部

Not necessarily reflects everything.

我想剛才陳彥平你說的那個大環境

I want to talk about the overall environment that you mentioned earlier, Chen Yanping.

或者大家的總體的觀感

Or perhaps the overall impression of everyone.

其實都很正常的

It's actually quite normal.

因為現在個個經濟環境都沒有改善

Because the economic environment has not improved for everyone now.

再加上早幾年大家疫情

In addition, everyone experienced the pandemic a few years ago.

中小企也有不少中小企

There are also many small and medium-sized enterprises among small and medium-sized enterprises.

都要靠一些所謂的貸款

All rely on some so-called loans.

尤其是當時政府也有支持中小企

Especially at that time, the government also supported small and medium enterprises.

甚至有一些百分百貸款

There are even some 100% loans.

其實那天幫到很多中小企

Actually, that day helped many small and medium-sized enterprises.

但是去到這個時候

But at this moment

應該都要開始還息之後

After starting to repay the principal, it should all begin.

開始要還本

Start to repay the principal.

所以可能去到這個時候

So it might be at this time.

就會開始有些壓力

Then there will start to be some pressure.

大家覺得開始財政

Everyone thinks it’s time to start finances.

或者現金流比較緊缺

Or the cash flow is relatively tight.

但是我自己都中小企

But I am a small and medium-sized enterprise myself.

我周邊的朋友都是中小企

All of my friends around me are small and medium-sized enterprises.

其實如果你問

Actually, if you ask...

是不是出現很明顯的窟窿

Is there a very obvious hole appearing?

我都未聽到很具體的一些案例

I haven't heard of any very specific cases.

其實因為我們都如果做生意的

Actually, because we are all doing business.

都知道現在經濟環境未必很樂觀

It is well-known that the current economic environment may not be very optimistic.

暫時就是觀望

For the time being, just observe.

其實大家近大半年都會量入為出

Actually, over the past six months, everyone has been living within their means.

很多時候就算有壓度

Many times, even if there is pressure.

都未必跟人拿錢

Not necessarily asking people for money.

或者在我們叫Jordan去拿那麼多

Or we could have Jordan go and get so many.

其實我們都有些所謂預警

In fact, we all have some so-called early warnings.

因為我們都預期

Because we all expect.

有些風險

Some risks.

所以其實我去到這個位置

So actually, I have reached this position.

我覺得整體大

I think the overall is big.

普遍的狀況

General situation

我就沒有接觸到

I haven't come into contact with it.

但是也都難保

But it's also hard to guarantee.

只是因為早期都有不少的中小企

It is simply because there were many small and medium-sized enterprises in the early stages.

都是靠很多有些物業去做一個抵押

It all relies on using many properties as collateral.

去借營運資金

To borrow operating capital.

可能它有些借貸幅度是多的

It may have some excessive borrowing capacity.

現在挨了幾年

It's been a few years now.

未必可以支撐到

It may not be able to support it.

可能個別個案

Possible individual cases.

我覺得這個都是以往都出現的

I think this has appeared in the past before.

都不代表是這段經濟下行已出現

This does not mean that the economic downturn has already occurred.

所以我覺得這個

So I think this.

我也很難做個判斷

I find it difficult to make a judgment as well.

但是就是看市場

But it just depends on the market.

就是看數據

It's just looking at the data.

看看是不是現在真的少了按揭

Let's see if there really are fewer mortgages now.

以及所謂的中小企是否已經是因為被call on而導致

And whether the so-called small and medium-sized enterprises have already been called on, leading to this situation.

出現一些倒閉的情況

There have been some cases of bankruptcy.

那個數據反而是

That data, on the contrary, is

我覺得反映多一點

I think it should reflect more.

其實你說數據

Actually, you are talking about data.

我想整個問題可以分開兩個層面

I think the entire issue can be divided into two aspects.

一個就是在說一些中小企

One is talking about some small and medium enterprises.

另外就是因為金管局在今個月的9號

In addition, it is because the Monetary Authority on the 9th of this month

是建了地產代理聯會

It is the establishment of the real estate agency association.

會上他們就反映了

At the meeting, they reflected on...

說銀行去到審批按揭貸款的時間就是很長

The time it takes for the bank to approve a mortgage loan is quite long.

貸款調款就不合理

It is unreasonable to adjust the loan.

不承受高齡物業的按揭

Do not accept mortgages for high-age properties.

所以首先兩個層面

So first, there are two aspects.

第一個層面就是在說

The first aspect is talking about.

剛才我們所說的

What we just talked about.

跟地產代理聯會說的那些高齡物業按揭的問題

The issues regarding high-aged property mortgages discussed with the Real Estate Agents Association.

阮國恆他就說

Ruan Guoheng said.

就好像剛才我都有說過

It's just like I mentioned earlier.

就是他用了兩個層面做回應

He responded on two levels.

就是說如果有個別的個案是銀行處理不到的

This means that if there are individual cases that the bank cannot handle.

例如拖長審批時間

For example, prolonging the approval time.

或者不做一些高齡物業按揭

Or not to do some high-age property mortgages.

他就在會上已經跟地產代理說

He already told the real estate agent at the meeting.

你可以轉介去金管局

You can refer to the Monetary Authority.

但是他們就說沒有收到這個情況

But they said they did not receive this situation.

第二樣你說那個數字的問題

The second thing is the issue with that number you mentioned.

他就說在數字上就沒有反映到銀行是收緊按揭

He said that the tightening of mortgages by banks is not reflected in the numbers.

下雨收柴

Collecting firewood in the rain.

他甚至說

He even said.

雖然地產代理說6月的情況是嚴重

Although the real estate agent said the situation in June is serious.

但是上半年未償還按揭貸款的總額

However, the total amount of unpaid mortgage loans in the first half of the year.

仍然是有微增

There is still a slight increase.

他有一個這樣的數字的說法

He has a saying about such a number.

而剛才說的另外一個層面就是

The other aspect that I just mentioned is that

銀行業中小企貸款協調機制

Coordination Mechanism for SME Loans in the Banking Sector

就是他們金管局是聯同這個機制

It is the Monetary Authority that works together with this mechanism.

3月推出的那個九招

The nine moves that will be launched in March.

其實他也是說

Actually, he is also saying.

即使按揭的物業價格下跌

Even if the property price of the mortgage falls.

如果是借款人按揭還款

If it is the borrower making mortgage payments.

銀行是不應該要求客戶提早去到還款的

Banks should not require customers to arrive early for repayments.

也不能夠單純因為這樣而要客戶補充

It cannot simply be the case that customers need to supplement because of this.

如果我看回其實有一個6月的報導

If I look back, there was actually a report in June.

他那時候金管局就指出

At that time, the Monetary Authority pointed out.

在3月28日推出這個九招的機制以來

Since the launch of this nine-step mechanism on March 28.

總共是有7000間的中小企

There are a total of 7,000 small and medium-sized enterprises.

是受惠涉及的信貸額度是超過

The credit limit involved in the benefits exceeds

50億港元

5 billion Hong Kong dollars

所以如果由這些數字去看

So if we look at these numbers

究竟是不是反映到市場的整體狀況

Is it really reflective of the overall market situation?

是不是真的有一個

Is there really one?

可能是最近的經濟環境需要審慎一些

It may be necessary to be more cautious due to the recent economic environment.

而有向一些人士去追討貸款的狀況

There are situations where some individuals are pursued for loan repayments.

這個可能在數字上面

This might be in terms of numbers.

阮國恆就說反映不到

Ruan Guoheng said it cannot be reflected.

剛才你所說出來的數字呢

What you just mentioned is the number?

似乎有看不到明顯的狀況

There seems to be no obvious conditions visible.

反而我也看到蔡英文司司長

On the contrary, I also saw Director Tsai Ing-wen.

在社交平台都講到明

It's clearly stated on social media platforms.

其實都要保持著中小企的生存

In fact, it is important to maintain the survival of small and medium-sized enterprises.

也不應該是所謂的樂於收場

It should not be what is called a pleasant conclusion.

或者是因為物業價值明顯有變化

Or it may be because the property value has obviously changed.

就立刻要所謂擴攏

Immediately need to expand.

我覺得這個似乎政府的態度都很清晰

I think the government's attitude seems to be very clear.

我反而覺得可能是什麼呢

I instead think it might be something.

一般中小企規模不太大

Generally, small and medium-sized enterprises (SMEs) are not very large.

中小型那些

Medium and small-sized ones.

我覺得真的可能面對擴攏未必很明顯

I feel that facing expansion may not be very obvious.

反而有一些我們所謂的

On the contrary, there are some things we call

配大效應大的企業

Large enterprises with a significant impact

可能它的經濟變化

It may be its economic changes.

對整體公司的價值

The value to the overall company.

影響的比例會大

The proportion of the impact will be large.

可能個別會不會有呢

Is it possible that there will be individual cases?

我覺得這個我們要

I think we need to do this.

可能值得分開一下

It might be worth separating for a while.

很小的中小企

Very small small and medium-sized enterprises.

反而它的借貸的總額是不是很大呢

On the contrary, is the total amount of its borrowing not very large?

這個是重點來的

This is the main point.

如果我們是說回

If we are talking about going back

由銀行層面去說

From the perspective of the banking sector.

其實銀行也都要做一些風險管理的措施

In fact, banks also need to implement some risk management measures.

阮國恆也都強調

Ruan Guoheng also stressed.

擴攏在某些情況之下

Expansion in certain situations.

就是銀行合理的風險管理措施

It is the bank's reasonable risk management measures.

也都說如果客戶的信貸質素

It is also said that if the client's credit quality

已經去到很差的階段

It has already reached a very bad stage.

銀行就有責任確保

The bank has the responsibility to ensure.

全戶的利益是得到保障

The interests of all households are protected.

所以他就認為

So he believes that.

擴攏這件事不應該被簡單化

The expansion of this matter should not be simplified.

和妖魔化

Demonization

我同意的

I agree.

也有些例子在房地產上面

There are also some examples in real estate.

有些個別的以前的投資者

Some individual previous investors.

可能都買了很多

Maybe they all bought a lot.

但因為市場變化而跌了很多價

But it has fallen a lot in price due to market changes.

有個別可能個別的物業

There may be individual properties.

都真的被擴攏

All have really been expanded.

這些是我們都看到的

These are what we all saw.

報道都有的

There are reports about it.

不過是不是一個

However, is it one?

普遍大部分出現的現象呢

The phenomenon that generally occurs most frequently is...

我覺得暫時我自己看報道

I think for now I will read the reports myself.

都未曾見到很明顯

Haven't seen anything very obvious.

電話號碼187231

Phone number 187231

心機旁邊的聽眾朋友

Listeners beside the cunning mind.

其實你怎麼看

Actually, what do you think?

現在中小企借貸的情況

The current situation of loans for small and medium-sized enterprises.

和我們剛才說物業按揭的情況

Regarding the situation we just discussed about the property mortgage.

金管局說會設專組

The Monetary Authority said it will establish a specialized team.

去跟進中小企的求助

Follow up on the assistance for small and medium enterprises.

你覺得幫不幫到大家

Do you think it helps everyone?

可以打電話來187231

You can call 187231.

1872311

1872311

跟我們談談

Talk to us.

電話旁邊我們請來

We invited someone next to the phone.

香港專業地產顧問商會的會長

President of the Hong Kong Professional Property Consultants Association.

汪敦敬

Wang Dunjing

汪敦敬你好

Hello, Wang Dunjing.

你好主持人

Hello, host.

汪敦敬你好

Hello, Wang Dunjing.

汪敦敬應該今個月9日

Wang Dunqing should be on the 9th of this month.

和金管局的會面你都有份

You were also involved in the meeting with the Monetary Authority.

是不是

Is it so?

有的 我們

Some of us

因為八角商會聯合做一個

Because the octagonal chamber of commerce is making a joint effort.

會見金管局和經民聯

Meeting with the Monetary Authority and the Economic Synergy.

他們都很積極去做了很多事

They have all been very proactive in doing many things.

是有用的

It is useful.

我都一會兒都可以分享

I can share at any time.

不如很簡單地

It's better to keep it simple.

簡短地去說

Say it briefly.

你們在會上

You are at the meeting.

和金管局反映了什麼意見

What opinions were reflected to the Monetary Authority?

我們在會上其實是反映了

We actually reflected on this at the meeting.

一個整體的借貸處境

A holistic borrowing situation

其實我們都有一個立場書

Actually, we all have a position paper.

就是白匯的立場書

This is the position paper of the White Commission.

我們其實是針對住宅的按揭

We are actually targeting residential mortgages.

住宅的按揭因為最近慢了一些

The mortgage for residential properties has recently slowed down a bit.

或者銀行被動了一些

Or the bank has been a bit passive.

我們舉了一些例子

We provided some examples.

譬如說很多時候

For example, many times.

生產銀行的反應都不清晰

The responses from the production bank are unclear.

可能拖兩三個月都是借不到的

It may take two or three months to borrow it.

又或者就是

Or perhaps it is just

保守 譬如說有些住宅

Conservative, for example, some residences.

過了五十年他們不借的

They won't lend it even after fifty years.

其中我們

Among us

因為我們想去

Because we want to go.

解釋一個借貸環境

Explain a lending environment.

反映到市民的擔憂

Reflecting the concerns of the citizens.

當然我們不可以留下一些中小借貸

Of course, we cannot leave behind some small and medium loans.

所謂商業信貸

What is called commercial credit.

現在很多人提借貸的問題

Many people are now raising questions about borrowing.

但是我們都強調

But we all emphasize

借貸本身是一個項目來的

Lending itself is a project.

就是每個人的借貸是不同的

Everyone's borrowing is different.

因為每個個案的抵押品

Because the collateral for each case

幾時入的抵押品

When was the collateral entered?

以及每個公司的借貸情況不同

And the borrowing situation of each company is different.

的而且確是不適宜

Indeed, it is inappropriate.

過分地放大

Exaggerate excessively.

我們都覺得

We all think.

市場上在過去一個星期

The market in the past week.

報道不是很準確

The report is not very accurate.

因為金管局和民調做了很多事情

Because the Monetary Authority and the opinion polls have done a lot of things.

或者我覺得有些市民應該要知道

Or I think some citizens should know.

他們的權利怎樣衡量

How is their rights measured?

做了幾件事是很重要的

It is very important to do a few things.

第一件事就是

The first thing is to

最重要的是政府肯

The most important thing is that the government is willing.

說出了

said out

什麼合適

What is suitable?

按揭或者借貸的標準

Mortgage or loan standards.

我們就共識了

We have reached a consensus.

3月28日政府

March 28 Government

曾經走這個

Once walked this.

中小企的借貸

Borrowing for small and medium-sized enterprises (SMEs)

所謂九招

The so-called nine moves.

這個標準很重要

This standard is very important.

因為有沒有遇到

Because it depends on whether you have encountered it.

不合適借貸

Inappropriate borrowing.

或者消費者會不會過分恐懼

Or might consumers be overly fearful?

面對一個借貸改變的設計上

Facing a design change in lending.

要有一個標準

There must be a standard.

這個標準其中第一第二項

The first and second items of this standard.

是最重要的

It is the most important.

大概意思就是說

The general meaning is that.

如果你銀行需要

If you need a bank.

所謂call a loan

The so-called call a loan.

其實如果你本身沒有斷供

Actually, if you haven't stopped making payments yourself...

沒有

None.

就是一個還款正常

It is just a normal repayment.

就盡量

Just try your best.

這個不是一個call a loan的對象

This is not a subject for a call a loan.

就是如果你一向有準時還款

That is to say, if you have always made timely repayments.

就不會跟你call a loan

Then I won't call you for a loan.

第二就是

The second is

如果要改變一個借貸的組合

If you want to change a lending portfolio.

你有6個月的過渡期

You have a six-month transition period.

最少是要有

At least it must have.

我想這兩樣東西

I want these two things.

我認為我們之前見

I think we have met before.

金管局是

The Monetary Authority is

社會忽略的

Ignored by society.

雖然大家都有報導

Although everyone has reported it.

但是我不知道

But I don't know.

原來這個是一條紅線來的

It turns out this is a red line.

就是說

That is to say

我們有了這個標準

We have this standard.

我們就可以顯示第二個效能

We can then display the second performance.

就是說

That is to say.

如果不合適

If it's not suitable.

我們可以去投訴

We can go file a complaint.

或者反映

Or reflect.

這個投訴渠道也出來了

This complaint channel has also been established.

因為以前是沒有投訴渠道的

Because there was no complaint channel in the past.

很奇怪

Very strange.

香港那個按揭的消費者

The mortgage consumers in Hong Kong.

是沒有投訴渠道的

There is no complaint channel.

因為可能分了工的關係

It may be due to the division of labor.

現在有的時候

Now sometimes

投訴渠道可以和經民聯

The complaint channel can be with the Economic and Trade Alliance.

我們商會

Our Chamber of Commerce

這樣就

That's it.

金管局也受理了

The Monetary Authority has also processed it.

包括也出了一個所謂專案的小組

It also formed a so-called project team.

這個是很清楚回應了市民

This clearly responds to the citizens.

為什麼呢

Why is that?

之前不清楚

I wasn't clear before.

往往市民都在一個恐懼之中

Citizens are often in a state of fear.

不清晰中恐懼

Fear in the unclear.

所以我相信

So I believe.

這些搞清楚了會好

It will be better to clarify these things.

還有有一個操縱去動

There is also a manipulation to move.

汪東敬

Wang Dongjing

不如很快的

Not as good as quickly.

簡單的打一打

Just hit it a little bit.

好

Good

剛才我們說到

Just now we mentioned.

用數據去說話

Let the data speak.

因為阮國恆

Because of Ruan Guoheng.

他在傳媒那裡也有說到

He also mentioned it in the media.

他說數字上面

He said on top of the numbers.

其實是沒有反映到

In fact, it is not reflected.

有銀行是收緊按揭的情況

Some banks are tightening mortgage lending.

上半年未償還的按揭貸款總額

Total amount of unpaid mortgage loans in the first half of the year.

都是有微增

All have a slight increase.

你怎麼看這個狀況

What do you think of this situation?

我覺得

I think.

我們可以

We can.

的確可以和市場降溫

It can indeed cool down the market.

但問題是

But the problem is

數字有滯後的

The figures are lagging.

數字大家都知道

Everyone knows the numbers.

制度有滯後

The system has lagged behind.

我相信

I believe.

我們這個數頭

Our number head.

其實市民都明白

Actually, the citizens understand.

當然我們不要過分

Of course, we shouldn't go overboard.

將部分項目宣言

Declare partial items.

但是我強調

But I emphasize

就是說

That is to say.

市場是有按揭上的人

The market has people with mortgages.

有需要我們去適宜

It is necessary for us to go to the suitable place.

我覺得

I think.

暫時大部分做到

Most of it has been done for now.

明白

Understood.

汪東敬其實這樣簡單來講

Wang Dongjing can actually be summarized like this.

因為都有些新按揭

Because there are some new mortgages.

當然總體的按揭額上升

Of course, the overall mortgage amount has increased.

正常的微升

Normal microvolt.

都正常

Everything is normal.

只不過

Just that.

可能在你們的角度來講

From your perspective, it may be.

都看不到一個明顯的

Can't see an obvious one.

大部分

Most part

或者明顯的個案

Or obvious cases.

就是說

That is to say

現在社會真的有窟窿

There are indeed flaws in today's society.

或者是

Or it is

你剛才說的

What you just said.

一些住宅物業的問題

Issues with some residential properties

應該和中小企

Should be with small and medium enterprises.

就直接沒有太大關係

It doesn't really matter directly.

因為中小企有的物業

Because the properties owned by small and medium-sized enterprises (SMEs)

都可能是商業的物業

They could all be commercial properties.

我們做一個所謂的

Let's do a so-called

抵押的借貸

Mortgaged loan

其實在商業物業裡面的變化

The changes within commercial properties.

你又覺得

What do you think again?

看不看到一些跡象

Can you see some signs?

或者轉變

Or change.

我想我們看新聞

I think we should watch the news.

我們看新聞都看到

We see in the news that...

不少窟窿的困擾

Many troubling holes.

無論大中小企業

Regardless of large, medium, or small enterprises.

但是

But

但是我們的確

But we indeed

不適宜簡單化

Not suitable for simplification.

因為每個案例不同

Because each case is different.

有些可能去投資了很久

Some may have invested for a long time.

滾了雪球很久

The snowball has been rolling for a long time.

有些就因為不清楚

Some are just because they are unclear.

我想中小企大部分

I want to focus mostly on small and medium enterprises.

都是不清楚的

Everything is unclear.

我相信現在有了標準

I believe there is now a standard.

事實上我們有些個案

In fact, we have some cases.

在見了金融局之後

After meeting with the Financial Bureau.

是解決了的

It has been resolved.

因為有了標準

Because there is a standard.

客人不需要怕

Guests do not need to be afraid.

銀行也不會超越那條紅線去做

The bank will not cross that red line.

所以我們覺得

So we think.

市場疑慮的確是解決了大部分

Market concerns have indeed been addressed for the most part.

初步是解決了大部分

The initial solution has addressed most of the issues.

我明白

I understand.

不要說窟窿了

Don't talk about holes.

其實剛才有一個很重要的

Actually, there was something very important just now.

有時候我們做商業按揭

Sometimes we do commercial mortgages.

其實有時候一間銀行做了一段時間

Actually, sometimes a bank operates for a period of time.

但是可能某一個銀行

But maybe a certain bank

可能它改變的策略

It may change its strategy.

我們有時候想搬銀行

Sometimes we think about moving the bank.

轉去另一間銀行

Transfer to another bank.

其實你們近期看到

Actually, what you have seen recently...

或者一些銀行的態度

Or the attitude of some banks.

覺得他們會不會都支持

Do you think they would all support it?

或者是盡量協助一下

Or try to assist as much as possible.

我們只是說按揭

We are just talking about the mortgage.

無論住宅按揭

Regardless of the residential mortgage.

或者

Or

轉案

Transfer case

尤其是工商

Especially in business and commerce.

我想大家都看到它有明顯收緊

I think everyone can see that it has tightened significantly.

只說數字

Just say the numbers.

既然成交量有減少

Since the trading volume has decreased.

我們按揭量又怎麼可能維持

How could we possibly maintain our mortgage volume?

其實我想說

Actually, I want to say...

數字有很多角度去解釋

Numbers can be interpreted from many angles.

但是我同意

But I agree.

金股的阮先生說

Mr. Ruan from Jin Gu said.

的而且確我們不適宜

Indeed, we are not suitable.

過分將一些項目去妖魔化

Excessively demystifying some items.

譬如說尤其是

For example, especially.

窟窿每個人的處境不同

Everyone's situation is different.

信用值也不同

The credit value is also different.

但問題是

But the problem is

只要大家關心去處理這些事情

As long as everyone cares and takes action to handle these matters.

就對市民有個公平和安穩的借貸環境

To create a fair and stable borrowing environment for citizens.

我想這件事是最重要的

I think this matter is the most important.

銀行也是應該在

The bank should also be in.

兼顧自己的風險情形之下

Under the circumstances of managing one's own risk.

是提供一個合理的服務的

It is to provide a reasonable service.

我想問一件事

I want to ask something.

剛才和你聊了一會

I just chatted with you for a while.

似乎是不是

It seems that it is not.

所謂收緊按揭

The so-called tightening of mortgages.

是個別銀行的一些做法

It is the practices of some individual banks.

甚至可能是個別銀行的

It may even be individual banks.

前線的一些做法

Some practices on the front line.

未必是反映到全部的現象

Not necessarily reflecting the entirety of the phenomenon.

我不同意的

I disagree.

因為我認為

Because I think

大家都有一些試水溫

Everyone has some trial and error.

我們在前線的情況

The situation at the front line.

我們認為

We believe.

只要那幾家銀行

As long as those few banks.

的確是要小心一點

Indeed, one needs to be a bit more careful.

旗下會不會收得太緊

Will it be too tight under the umbrella?

不合適收得太緊

Not suitable, too tightly held.

但是這件事受到注意之下

But this matter is under scrutiny.

我相信會解決得到

I believe it can be resolved.

因為這不是一個

Because this is not a

香港核心價值是想收緊

Hong Kong's core value is to tighten.

我相信商業上有商業上的秩序

I believe there is order in business.

比如說A銀行B銀行先收緊

For example, Bank A and Bank B first tighten.

但問題是在沒有秩序之下

But the problem is that there is no order.

我們是需要政府出來維持秩序

We need the government to come out and maintain order.

我相信這件事是做了

I believe this matter has been handled.

好 多謝你汪敦敬

Thank you very much, Wang Dunqing.

談到這裡

Speaking of which.

汪敦敬是香港專業地產顧問商會的會長

Wang Dunjing is the president of the Hong Kong Professional Property Consultants Association.

電話號碼17231

Phone number 17231