US interest rate hike Hong Kong bank calm "no"
 In the early morning of the 20th, a "heavy" boots finally landed, the Fed raised.
The global market is disturbed.
Hong Kong, which has been implemented, is naturally fixed at night, and close attention to the Feds of Fed. In the early morning, Director Chen Delin, director of the Hong Kong Gold Management Bureau, saw the reporters, announced that the basic interest rate raised by 25 basis points to%.
But the four major banks that truly mastered the interest rate of Hong Kong dollar, but the "no" after the Fed threw the bomb. The first big banknotes HSBC took the lead to announce the interest rate and the Hong Kong dollar savings rate unchanged. BOC (Hong Kong), Hang Seng and Slag Harbor has also announced the maintenance of the best interest rate and the Hong Kong dollar interest rate. Although the Hong Kong dollar interest rate is constant, the cost of the US dollar has risen, and the bank still has to follow. HSBC announced that the US dollar savings deposit interest rate is up to 1,000 US dollars or more to%, and less than 1,000 US dollars.
From the market situation, the Hong Kong dollar disassembly ended on the 17th, and the fall is about the 17th, and the fall is about%, until%. In addition to the next night, the whole line is removed.
In the influence of Hong Kong, the Hong Kong dollar exchange rate is further weakened, and the departure of the mouth is once, and the Hong Kong time is 1:45 in the morning of the 21st. Speaking of the interest rate hike, usually refers to the Hong Kong bank to increase deposit and loan interest rate, loan interest rate, and the most favorable interest rate is one of the reference benchmarks for bank calculation customer loan interest rates. At present, the most favorable rates provided by major banks are 5%, as for other banks and financial institutions to provide% of the most favorable interest rates. Two most favorable interest rates have not changed since 2008.
The Bank of China raised the basic interest rate. Why did banks do not follow the industry? The main reason is that Hong Kong’s local banking system is still sufficient. In recent months, the flow of funds is not obvious, and Hong Kong banks do not rate stress in the short term.
It has been analyzed that the coverage foundation of Hong Kong’s local banks is still huge.
Deposits from customers are the main source of retail banks, and bank deposits are abundant, so that their capital cost is maintained at a low level. By the end of April this year, the comprehensive interest rate reflecting the average cost of retail banking funds is%, comparison of the end of 2015 and the end of 2016, only slight increase% and%. Chen Delin, president of the HKMA, said that the United States has accumulated a cumulative interest rate hike and closing the table, the objective traveler has gradually been close to the US, and the Hong Kong dollar payment has been raised, and the Hong Kong and silver liquidity remains abundant. Whether it follows the US raising and adding interest, depending on its own capital cost structure, it is the business decision of the bank.
For the future trend of Hong Kong dollar, Chen Delin pointed out that HIBOR has had a lot of hibors, and the one-month removal is climbed from the% in the end of last year to the current close to the current approach. Will raise loan interest, and believe that the trend of Hong Kong and silver interest rates will continue.
Industry analysis said that the Hong Kong dollar interest rate trend needs to pay attention to the flow of funds.
At present, the Hong Kong raising cycle is temporarily completed, and it is expected to sell Hong Kong dollars in the United States next year.
Some analysts pointed out that recently "intelligence money" began to rebuild the arbitrage operation of buying the US dollar, which may lead to the future flow of funds, affect the intersection.
Lin Junyi, director of the Shanghai Commercial Bank Research Department, pointed out that Hong Kong Bank has not followed the US raising, interest rate increase, has been seen in the reappearance of arbitrage transactions, the overall pressure of Hong Kong dollar funds is increasing, and it is expected that the semi-disregard will be further returned next year. More active, it will promote Hong Kong dollars to the weak side to exchange the guarantee level. When the banking system is quiz, Hong Kong Bank has the stress of raising interest rates, which is expected to appear in the second quarter of next year.
The industry focuses on the influence on the Hong Kong property market. Analysts pointed out that due to the expectation of the number of random interest rates in next year to 2 times, the hit increase is signs, the industry is generally believed that Hong Kong banks do not follow the raising interest rates, which is expected to have a positive impact on the property market, expect Hong Kong to go The second degree will be followed in next year, and there is no more than%. All the texts, pictures, audio and video manuscripts, and electronic magazines such as "Economic Reference News" or "Economic Reference Network" are copyrighted by the Economic Reference News. Any form publishing and playing.