香港金融管理局总裁陈德霖昨日向香港立法会汇报工作时表示，香港家庭负债比率已近历史高位，香港市民应警惕利率掉头回升的风险，监管机构不排除再推措施控制楼价高企对银行体系带来的风险。

Hong Kong monetary authority chief executive ChenDeLin yesterday to the legislative council of the Hong Kong report said,Hong Kong family debt ratio has been close to record highs,Hong Kong citizens should be vigilant the interest rate risk of turning back,Regulators would not rule out to push the measures to control prices high on the risks of banking system.

　　利率上升风险 Risk rising interest rates

　　陈德霖昨日说，香港利息走势难以预料，目前利率低企是全球极低息政策导致，未来风险之一是美国甚至全球利率飙升。截至去年12月，香港家庭负债率已达59%，接近2002年的历史高位60%。

ChenDeLin said yesterday,Hong Kong interest trend is hard to predict,Current interest rates low enterprises is the very low interest rates policy lead to,The risk of future is one of the United States and even global interest rates soar.By last December.,Hong Kong family ratio has reached 59%,Nearly 2002 years of history high 60%.

　　陈德霖表示，楼市过热仍是香港金融稳定的最大风险。1999年香港楼市在利息高升后泡沫破裂，由于家庭收入下降，导致当时家庭负债从占生产总值的48%上升至最高的60%。他表示，如果现在经济周期逆转、失业人数增加，香港家庭负债占生产总值的比率可能会进一步上升。特别是按揭贷款年期一般较长，介于25至30年，利率周期的逆转将给香港家庭带来沉重负担。

ChenDeLin said,Hong Kong property market overheating is still the biggest risk to the financial stability.In 1999, the Hong Kong property market bubble burst in interest after promotion,Due to the family income decline,Cause when family liabilities from to 48% of the GDP rose to the highest 60%.He said,If now economic cycle reversal/Unemployment increase,Hong Kong family liabilities of the ratio of GDP could rise further.Especially the mortgage loan period is generally long,Between 25 to 30 years,Interest rate cycle reversal will give Hong Kong family bring heavy burden.

　　他表示，该局将密切关注市场发展，虽并无量化指标定明何时就楼市推出措施，但楼价与贷款人收入愈趋脱节，金管局便会推出逆周期措施以降低银行风险，故在有需要时会推出进一步措施。

He said,It will pay close attention to market development,Although there is no quantitative indicators set Ming when the property market is introduced measures,But property prices and income to the lender apart,The hkma will launch countercyclical measures to reduce the bank risk,It will be launched in further measures.

　　实际上，为减小楼市风险可能对香港银行体系带来的冲击，香港金管局已先后五次推出反周期监管措施，降低银行物业按揭贷款的风险。新造按揭的平均成数从2009年9月的64%下降至去年12月的52%，新造按揭的平均供款与入息比率已从2010年8月的41%降至去年底的36%。

In fact,To reduce the risk of the property market in Hong Kong may be the impact of the banking system,Hong Kong the hkma has successively introduced five times reverse cycle regulatory measures,Reduce the bank property mortgage loan risk.A new creation the average percentage of mortgage from September 2009 64% to 52% in December last year,A new creation mortgage average contribution and income ratio already from August 2010 41% to 36% at the end of last year.

　　非港居民个人人民币账户存款逾40亿元 The Hong Kong residents personal RMB account deposit more than 4 billion yuan

　　香港的离岸人民币业务持续平稳发展。陈德霖介绍，去年7月开始的非香港居民个人客户已在2012年底开立超过2.9万个人民币账户，存款额超过40亿元（人民币，下同）。人民币客户存款及存款证余额分别为6030亿元及1173亿元，合计为7203亿元，比2011年底的6616亿元增加9%。

Hong Kong's offshore RMB business continued stable development.ChenDeLin introduced,Last July the non-resident individual client has set up a file in the end of 2012 to open more than 29000 RMB account,Deposit more than 4 billion yuan(RMB,Similarly hereinafter).The customer deposit and certificates of deposit balance is 603 billion yuan respectively, 117.3 billion yuan,Add up to 720.3 billion yuan,More than 661.6 billion yuan by the end of 2011 increased by 9%.

　　去年全年经香港银行处理的人民币贸易结算额达到2.63万亿元，比2011年增加37%，且香港与内地之间人民币贸易结算的支付比例大致平衡。

The Hong Kong bank last year with the yuan trade settlement amount to 2.63 trillion yuan,More than 2011 increased by 37%,And between Hong Kong and the mainland yuan trade settlement payment proportion approximately balance.

　　香港金管局数据显示，去年人民币债券发行量为1122亿元，比2011年的1079亿元微增3.9%；人民币银行贷款业务显著增长，贷款余额在去年年底达到790亿元，比2011年底增加157%。

Hong Kong the hkma data display,RMB bonds issued last year for 112.2 billion yuan,More than 2011 yuan in 107.9 billion micro increased by 3.9%;RMB bank loan business significant growth,Loan balance in the end of last year reached 79 billion yuan,Than the end of 2011 increased by 157%.

　　他表示，去年第四季资金流入香港导致港元汇率转强至7.75，港汇的强方兑换保证在去年10月19日至12月21日期间多次被触发，其间净资金流入约1070亿港元，相对于2008至2009年间流入的6400多亿港元，规模并不是很大。

He said,Last year the first four seasons in Hong Kong the Hong Kong currency capital inflows to turn strengthens to 7.75,Hong Kong remit strong party exchange guarantee in October 19, to December 21, many times during the trigger,Meanwhile net capital inflows about hk $107 billion,Relative from 2008 to 2009 of the 6400 into more than hk dollar,Scale and is not very big.

　　正对电子支付工具制定法例监管 Is the electronic payment tool make legislation supervision

　　陈德霖昨日透露，香港金管局正就监管电子支付工具与零售支付系统制定法律框架。业界咨询于去年12月下旬展开，草拟相关法例的工作已展开。

ChenDeLin revealed yesterday,Hong Kong is the hkma supervision electronic payment tool and retail payment system for legal framework.The industry consulting in late December expansion,Draw up relevant legislation work has begun.

　　这意味着，网上购物及支付平台如淘宝、支付宝等以后在香港的业务将被香港金管局纳入监管。

This means that,Online shopping and payment platform, such as clean out treasure/Pay treasure, etc in Hong Kong after the business will be in Hong Kong the hkma supervision.

　　支付宝数据显示，淘宝网和天猫香港注册用户人数超过120万。但根据支付宝2012年全民账单，香港支付金额增长仅为7.56%，是全国增长最为缓慢的地区，远低于澳门80.51%的增速。

Pay treasure data display,Taobao and day cat Hong Kong more than 1.2 million registered users.But according to pay treasure to 2012 the bill,Hong Kong payment amount is only 7.56% growth,Is the most slow growth areas,Far below the 80.51% increase in macau.