Monetary Authority of Macao – Press Release
Small and medium-sized enterprise credit statistics,
first half of 2015 (ended 30.06.2015)
According to statistics released today by the Monetary Authority of Macao, new small and
medium-sized enterprise (SME) lending approved by Macao banks decreased in the first half of
2015. Concurrently, the utilisation of SME credit in proportion to the credit limit approved by
banks dropped when compared with the previous survey period.
New lending approved
In the first half of 2015, new SME credit limit approved by Macao banks totalled MOP18.0
billion, down by 28.3% from the second half year of 2014 or 22.2% from the same period last
year. The collateralised ratio, which indicates the proportion of credit limit with tangible assets
pledged, was 78.5%, down 3.5 percentage points when compared with the last survey period but
up 3.2 percentage points when compared with the same period of 2014.
Credit utilisation
As at end-June 2015, the outstanding value of total SME loans increased 8.8% from end-2014 or
25.2% from a year earlier to MOP65.3 billion. When compared with end-2014, SME loans to
“manufacturing”, “restaurants, hotels and similar activities” and “wholesale and retail trade”
increased at respective rates of 12.9%, 11.1% and 8.7%, whereas those to “non-monetary
financial institutions”, “electricity, gas and water” and “transport, warehouse and
communications” dropped 16.8%, 11.6% and 4.4% respectively.
The utilisation rate, defined as the proportion of outstanding credit balance to the credit limit
granted, dropped 2.0 percentage points from six months ago to 64.7%.
Delinquent loans
At end-June 2015, the outstanding balance of delinquent SME loans increased by 43.6% from six
months ago to MOP195.8 million. Compared to a year ago, the balance grew 37.5%. The
delinquency ratio, a ratio of delinquent loans outstanding balance to total SME loans
outstanding, rose 0.07 percentage points from end-2014 or 0.03 percentage points from a year
earlier to 0.30%.
Annex
13 August 2015
Detailed figures on Small and medium-sized enterprise credit statistics are available on:
http://www.amcm.gov.mo/economic_statistics/economic.htm
澳門金融管理局 新聞稿
附件/ Anexo/Annex
Autoridade Monetária de Macau - Comunicado à Imprensa
Monetary Authority of Macao - Press Release
年上半年度中小企業信貸統計附表 截至
2015
(
30.06.2015)
Estatísticas Relativas aos Créditos`as Pequenas e Médias Empresas (PME) - 1º Semestre 2015 (até 30.06.2015)
Small and Medium-sized Enterprise (SME) Credit Statistics - First Half of 2015 (ended 30.06.2015)
年下半年度
2014
年上半年度 與上一調查期比較 與上年同期比較
2015
2o Semestre de 2014
1o Semestre de 2015
Second half of 2014
First half of 2015
Variação
relativamente ao
último semestre
Variação homologa
Compared with the Compared with the
previous survey period same period last year
千澳門元, 除特別指定外)
(
(MOP'000, salvo aviso em contrário)
新批核借貸*
(1)
信貸限額
(期內數字)
(2)
具擔保之比率 (%)
信貸使用情況
(3)
未償還貸款餘額
(期末數字)
(4)
佔本地私人部門貸款之比率 (%)
(5)
使用比率* (%)
拖欠貸款
(6)
拖欠貸款結餘
(期末數字)
(7)
拖欠比率 (%)
(7)=(6)/(3)
附註
#
Novos créditos aprovados*
百分點
(%)
New lending approved*
Limite de crédito
Credit limit
(Valores no período)
(Period figures)
Rácio de garantia (%)
Collateralised ratio (%)
Crédito utilizado
Credit utilisation
25,156,354
18,032,671
-28.32
81.93
78.48
-3.46
59,992,829
65,278,560
-22.22
#
8.81
3.19
#
25.24
Balanço relativo aos empréstimos em dívida
Loans outstanding balance
(Valores no final do período)
(End-of-period figures)
Quota nos empréstimos internos ao sector
privado (%)
Share in domestic loans to the private sector
(%)
17.69
17.36
-0.33
#
0.47
#
Taxa de utilização* (%)
Utilisation rate* (%)
66.69
64.68
-2.00
#
0.28
#
Empréstimos não pagos
Delinquent loans
Balanço relativo ao empréstimos em dívidas
não pagos
Outstanding balance of delinquent loans
(Valores no final do período)
(End-of-period figures)
Rácio das dívidas não pagas (%)
Delinquency ratio (%)
(7)=(6)/(3)
(7)=(6)/(3)
/Notas/Notes:
/Incluem-se rubricas fora do balanço/ Including off-balance sheet items
/ponto percentual/percentage point
*包括資產負債表外項目
(%)
(MOP'000, unless stated otherwise)
136,378
0.23
195,806
0.30
43.58
0.07
37.54
#
0.03
#