HKMA Survey Shows Slight Improvement in SMEs' Credit Conditions for Q3 2026

The Hong Kong Monetary Authority (HKMA) released the results of its Survey on Small and Medium-Sized Enterprises (SMEs)’ Credit Conditions for the third quarter of 2026 on November 6. The findings indicate a slight improvement in SMEs’ credit conditions, with notable changes in perceptions of banks’ credit approval stances and reported tightening of existing credit lines. Excluding respondents who answered "no idea/don’t know," 83% of SMEs perceived banks’ credit approval stance as "similar" or "easier" compared to six months earlier, an increase from 78% in the second quarter. Meanwhile, the proportion of SMEs perceiving a "more difficult" stance fell to 17%, down from 22% in the previous quarter.

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