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rules made these rules made by the Hong

MR. MARTIN LEE: Sir, were these

or,

Kong Association of Banks entirely out of their own

volition or were they made at the directive,

alternatively, with the gentle persuasion of the Financial

Secretary?

FINANCIAL SECRETARY : Mr. Lee knows me well enough to

know that I rarely direct. I think gentle persuasion is

perhaps the better term.

MR. CHAM : Sir, in the event of depositors

of depositors deciding to

maintain their Hong Kong dollars in cash by withdrawing

from the banks and not keep them in the bank balances to

avoid the negative rates, would this cause any ill effects

on our money supply or our credit markets in Hong Kong?

SECRETARY

FINANCIAL

: Sir, we are getting into quite

difficult and technical areas. I think the short answer

to Mr. Kim CHAM is 'no', it would not cause difficulties,

and the question of large withdrawals of cash has in fact

been addressed by the association and the necessary

arrangements are

in place.

My understanding is that the

two note-issuing banks have already made arrangements for

adequate cash to be available at short notice to meet any

demand.

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