Survey on Small and Medium-Sized Enterprises' Credit Conditions for Third Quarter 2026

The following is issued on behalf of the Hong Kong Monetary Authority: The Hong Kong Monetary Authority (HKMA) published today (November 6) the results of the Survey on Small and Medium-Sized Enterprises (SMEs)' Credit Conditions for the third quarter of 2026. According to the survey, SMEs' credit conditions improved slightly. Regarding SMEs' perception of banks' credit approval stance relative to six months ago, excluding respondents who answered "no idea/don’t know", 83 per cent perceived a "similar" or "easier" credit approval stance in the third quarter of 2026, up from 78 per cent in the previous quarter (Chart 1 in the Annex). 17 per cent perceived a "more difficult" credit approval stance, compared to 22 per cent in the previous quarter. The perception of a more difficult credit approval stance may not necessarily reflect actual difficulties faced by SMEs in obtaining bank credit as the perception could be affected by a number of factors, such as media/news reports, business conditions and opinions of relatives and friends. Among respondents with existing credit lines, 2 per cent reported a "tighter" banks' stance, down from 4 per cent in the previous quarter (Chart 2 in the

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