Now all the central banks around the world is reducing the interest rate, but HSBC in Hong Kong is doing the opposite, it increase the mortgage rate a few weeks ago, now it increases the interest rate for the credit cards. Why it do so? I guess, when you cannot earn the money by selling more "mini bond" then you must get more income from the traditional business. So you didn't buy any mini bond, but you are also suffering now.
全球銀行都在不斷減息，惟有本港銀行反其道而行之。匯豐本月初大幅調高按揭貸款利率0.5至0.75厘後，昨日又宣布提高本地信用卡利率，引來不少質疑。不過業內人士指出，對於擁有利率「話事權」的本港商業銀行來說，這屬於正常現象，因為銀行不單要考慮國際環境和市場水平，亦要考慮本身的經營成本、出現壞帳的可能性以及與同業競爭等因素。
銀行界人士指出，利率相當於借錢的「價格」，反映的是貸款中涉及的風險。金融海嘯爆發後，市場風險溢價明顯提高，銀行為保障自己的利益，在價格即利率上自然要有所體現。
另外，現時銀行正加快回歸傳統業務，造成收入結構發生改變，非利息收入不斷減少，今後銀行將愈來愈依賴利息收入，故包括按揭利率、最優惠利率和信用卡利率及銀行的各項服務收費，將會陸續被調高。
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