| 1. | " mortgage lending remained reasonably buoyant in november , " said mr y . k . choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君表示：月份按揭贷款活动维持活跃。 |
| 2. | " the number of 65 , 000 is somewhat lower than some other estimates that have been mentioned , " said mr y k choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君表示： ，这个数目低于一些其他曾被提及的估计数字。 |
| 3. | " though still maintained at a low level , the delinquency ratio has increased in the past few months , " said mr raymond li , acting deputy chief executive of the hkma
金管局署理副总裁李令翔表示：虽然按揭贷款拖欠比率仍处于低水平，但在过去数月均有上升。 |
| 4. | Mr raymond li , acting deputy chief executive of the hkma , said , " given the global nature of the internet , fraudsters will continue to make use of various techniques to trick bank customers
金管局署理副总裁李令翔表示：由于互联网触及全球，不法分子会继续利用不同方法欺诈银行客户。 |
| 5. | In response to investor enquires , mr james h . lau jr , acting deputy chief executive of the hkma , confirmed that the change to the nip arrangement was made solely in order to ensure strict adherence to the currency board principles
因应投资者查询，金管局署理副总裁刘怡翔重申，更改债券发行计划的安排，完全是为了确保严格遵守货币发行局的运作原则。 |
| 6. | " the ratio of mortgage loans granted at below the best lending rate rose significantly in march , reflecting that the mortgage price war among banks has become more acute . " said mr y . k . choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君表示：月份以低于最优惠利率批出的按揭贷款比率大幅上升，显示银行间的按揭业务竞争已加剧。 |
| 7. | " the register enables members of the public to find out whether they are dealing with a fit and proper person in relation to any regulated activity conducted through a registered institution , " said mr y k choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君说：公众人士可利用纪录册查核为注册机构进行某类受规管活动的人士是否符合适当人选的标准。 |
| 8. | " in view of improved market conditions , we expect new mortgage lending to continue to grow in december . the delinquency ratio on existing mortgage loans remains low on average , " said mr . y . k . choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君说：由于市场形势渐有改善，我们预期12月份的新按揭贷款将会继续增加，而现有按揭贷款的平均拖欠比率仍维持低企。 |
| 9. | " i am glad to see the zero increase in the loan delinquency ratio for may , although a longer time will be needed to see whether the deterioration in asset quality has indeed stabilized , " said mr . y k choi , acting deputy chief executive of the hkma
金管局署理副总裁蔡耀君表示：我很高兴见到贷款拖欠比率在五月份录得零增长。但资产质素下降的趋势是否已回稳，则要较长时间才可确定。 |
| 10. | Although technology risk will be a major factor to be taken into account by a virtual bank , the applicant should attach equal importance to the management of conventional banking risks such as credit , liquidity and interest rate risks " , said mr y . k . choi , acting deputy chief executive of the hkma
虽然虚拟银行须考虑的主要因素之一是技术风险，但申请人也应同样重视管理传统银行面对的风险，例如信贷流动资金以及利率等风险。 |
