CONFIDENTIAL

8.

from

Second is to

seek late liquidity assistance

the Exchange Fund. But this is not a popular alternative for three reasons:

concern

(a) late liquidity assistance from the Fund

is not always forthcoming because of the part of the Exchange Fund that its provision under certain monetary

conditions

misinterpreted to be

may be

a more permanent injection

injection of liquidity

into the interbank market for a monetary

purpose;

(b) the terms for the provision of late liquidity assistance by the Exchange Fund

are not standardized because of the need

on the part of the Exchange Fund in such

operations to take account of

of prevailing monetary conditions and of credit risks;

and

(c) some

licensed banks have the reservation that the seeking of such late liquidity assistance from the Exchange Fund may,

in the event that it becomes known to

other banks or to members of the public, be misinterpreted as the banks concerned experiencing fairly serious difficulties,

thereby affecting confidence in those

banks.

CONFIDENTIAL.

P. 6

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