﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿
橛⽵ږ㦑㺞ಌ蒂ᵸ흟踤肟睭
00ږ㦑㺞ಌ蒂ᵸ흟츁㺞蒂흟﷿ꁺ噧츁敵﷿噧﷿빵ꊔ⚐籭䡑統葧﷿呔袘ၬɒ﷿啛䡑統葧츁D-SIB﷿ǿ佧퍫慲D-SIB따晓Ź灰ǿ
00籭큩ꊔ﷿D-SIB 慲䡑統葧쒀₌﷿袟敵ᒐﲕ쥕蒂⽙葛隙袘閭뒀随ቔၞ몚媞넃隙袘﷿ѻ츁HLA隙袘﷿ѻ﷿ǿ靺東癨䲈쥕蒂﷿掠쑜ᒐ鑩D-SIB陋呔﷿꾆ɒ﷿啛䲈츁G-SIB﷿ꦆ鞂慲䁗䥣獔☥㚂鉣﷿HLA隙袘﷿ѻ﷿힀橚嬰⽙葛隙袘陋穚Ҍ⽙葛隙袘﷿Ҍ₌㥺灰靧㥺灰橕㑦䁗䥣獔☥ǿ궔楿ʐD-SIB慲HLA隙袘﷿ѻ츁㡸䡑統葧慲豣റ剦࠱灰隙袘츁CET1隙袘﷿誘鲖閭࠱隙츁Ŏ䲈쑲츁隙袘﷿䁚ろﲕ﷿慲鑏䁗㩿肀ﲁ﷿﷿쑜뭩纞1%靧3.5%﷿籭츁꺐纞鑩皑D-SIB慲ɒ﷿啛﷿ǿ垇﷿䁗䥣獔☥䁚츁晓Ŏ䲈쑲츁隙袘﷿䁚ろ3V츁2﷿욍﷿﷿㥺灰㑦ʐ慲HLA隙袘﷿ѻ﷿﷿쑜뭩纞0.25%靧0.875%﷿籭ǿ㥺灰㑦ʐ籭D-SIB慲HLA隙袘﷿ѻ晓Ź灰ǿ
00㺞ಌ蒂ᵸᜱ掠膜豸鍎肀ﲁ睭湭D-SIBꦆ鞂㺍₌煑ᖖŎ癨﷿ろꦆ鞂﷿コ㵝큩꺐﷿袘ၬ䲈Ґ佧궔ɒ嵗山慲䲈慲赻殞넃﷿앏䲈Ґ慲佧﷿ﵕ陋פֿ啛ǿ쉗
00㺞蒂흟継㑦D-SIB따陋ʐ慲HLA隙袘﷿ѻǿ
00佧퍫ꊔ呔袘ၬɒ﷿啛䡑統葧ඟ慲坦赩㺞蒂흟쪃晓踤䡑統葧慲湭D-SIB﷿빵쉗츁www.hkma.gov.hk/chi/key-functions/banking-stability/sibs.shtml﷿ǿ
湯걱
灰﷿0ږ㦑慲D-SIBꦆ鞂
00Ŏ䲈쑲츁隙袘﷿䁚ろ陋㺞蒂흟慲D-SIB쥕蒂晭띩㹜東癨䲈쥕蒂﷿掠쑜㥺灰㑦﷿敵踤肟慲Ŏꔃᵸ呔袘ၬɒ﷿啛䲈慲ꦆ鞂ろ晭﷿ꍣ࠱㺞ಌ蒂ᵸᜱ掠츁i﷿ꊔ䡑﷿ᒐږ㦑慲䲈陋㺞ಌҐᵓ呔ɒ﷿啛慲䡑統葧﷿D-SIB﷿陋츁ii﷿䁚皑큩ꊔ﷿D-SIB慲䡑統葧↉荵钙HLA隙袘﷿ѻǿ
00D-SIB☥閭HLA隙袘﷿ѻ颗﷿蚀睐륞Ⱕ䲈詟陫﷿﷿慲▞譎ǿ灰ᄥ륞Ⱕ䲈齬﷿袘ၬ㺞ಌҐ㡸靧赠慲﷿ॷҐ統硱饬➆嵗山﷿佧陋ᲂ﷿☥閭HLA隙袘﷿ѻ颗䎛陋纆ᵸ慲躜ǿ
﷿0큩ꊔ﷿D-SIB慲䡑統葧쒀↉慲HLA隙袘﷿ѻ
00Ŏ䲈쑲츁隙袘﷿䁚ろ3U陋3V욍츁㥺灰⚐㑦灰敵灰噧﷿﷿ꍣ࠱㺞ಌ蒂ᵸᜱ掠ꊔD-SIB陋㹜東㺞ಌ蒂ᵸᜱ掠鑩皑䪞D-SIB呔佧慲袘ၬɒ﷿啛慲字띩﷿ඟ皑䪞D-SIB쒀↉慲HLA隙袘﷿ѻǿ﷿ຕ䶖륞袟핸慲﷿₌㺞蒂흟慲D-SIB쥕蒂晭띩큩ꊔ﷿D-SIB慲䡑統葧쑜큩䁗ᅮ靧詟﷿慲HLA隙袘﷿ѻ㵪⢞ǿ㥒㵪⢞﷿颗﷿癣ږ㦑䡑統葧慲뵕﷿﷿啛䭢陋詟﷿字띩慲ɒ﷿啛ǿ
00큩ꊔ慲D-SIB䝎쒀₌轔镺큩ꊔ慲റ﷿䲞慲﷿袟敵﷿HLA隙袘﷿ѻﲕ₌쥕蒂⽙葛隙袘䑑ǿHLA隙袘﷿ѻ斈䁗﷿⚐袟㵪⢞﷿뭩纞1%靧3.5%﷿籭﷿궑Ҍ扠쑜﷿D-SIB鮏뒀⁔䍎袟㵪⢞츁螑1%﷿1.5%﷿2%陋2.5%﷿﷿3.5%慲궔ቔ﷿ѻ﷿孮╟㵪⢞﷿㡸橚⩠D-SIB慲ɒ﷿啛灰늋㵝ቔǿHLA隙袘﷿ѻ﷿쑜乣㥺灰㑦灰敵䲞䁗䥣獔☥﷿褤㥺灰橕㑦灰敵ຕ䶖﷿睚☥ǿ螑颗鎐乣㥺灰靧㥺灰㑦籭ʐD-SIB慲HLA隙袘﷿ѻ扠쑜颗﷿ᖖ慲HLA隙袘﷿ѻ慲沈袟鑏䁗㩿﷿褤쑜靺㑦25%慲㩿沞㑦뢃袜ǿ䁗䥣獔☥慲HLA隙袘﷿ѻ坦赩橛*睭
HLA
隙袘00㥺灰㑦0㥺灰艔㑦0㥺灰㑦0≥㥺灰橕㑦
﷿ѻ
㵪⢞
0500000.875%0001.75%0002.625%00003.5%
0400000.625%0001.25%0001.875%00002.5%
0300000.5%00001%0000 1.5%000002%
0200000.375%0000.75%0001.125%00001.5%
0100000.25%000 0.5%000 0.75%000001%
00ʐD-SIB慲HLA隙袘﷿ѻ츁﷿﷿穚Ҍ⽙葛隙袘﷿㡸쭓큢Ŏ癨﷿ろ橚嬰⽙葛隙袘慲ቩ☥ǿᲂ﷿灰ᄥD-SIB慲CET1隙袘㩿譎げ靧﷿쭓큢慲⽙葛隙袘靥﷿﷿皑D-SIB統肟慲獼赩䁗뎁쑜솂䶖㑜晭ǿᲂⱐ慲﷿颗䕥D-SIBᇿ薈﷿﷿㡸㵝ቔ쥕蒂隙袘ǿ
00*垇﷿乣D-SIB慲ɒ﷿啛字띩統쑜佧呭﷿﷿ᲂ큩鮏뒀沈HLA隙袘﷿ѻ㵪⢞慲D-SIB詟灰쑜₌袟䁗䥣獔☥ҌꝾ﷿陫₌﷿灰㵪⢞ǿ
噦
뭳썗앢㑦㡞敵噧츁ݒҌ灰﷿
ږ㦑ᑻ籭靨ᑻ썗앢䁗