5/2c

5.

- 2 -

Consequently, on 14 January 1988, the Committee,

again after consultation with me, exercised their powers

under section 12(1) of the Hong Kong Association of Banks

Ordinance and made certain amendments to the Rules on

Interest Rates. These amendments empower the Committee to

specify practices to be adopted by banks so that negative

interest rates may be imposed on large Hong Kong dollar

balances maintained by their customers, if there is a need

to do so.

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X.

The Committee have also announced that by

10 March 1988 they will be in a position to implement

negative interest rates, again if there is a need to do so.

5.

7

Thus, the Committee working closely with the

Government have created a useful mechanism to counter

speculation on a revaluation of the Hong Kong dollar

against the US dollar.

In effect, depending on the rate

to be specified, the imposition of negative interest rates

will make it expensive to hold large Hong Kong dollar

balances.

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Sir, speculation on a revaluation has adversely

affected the normal conduct of the business of banking and

other commercial activities. It has also reduced the

income of savers, of the man in the street.

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