匯豐將對其他銀行的歐洲貨幣存款收費
HSBC has become one of the biggest global banks to say that it will begin charging clients on deposits in a basket of European currencies.
匯豐(HSBC)宣佈將開始對客戶的一籃子歐洲貨幣存款收取費用，成爲做出這一決定的大銀行之一。The decision underlies the extraordinary measures banks are taking to prevent their profit margins being crushed in the record low-interest rate environment.
這一決定凸顯出，爲避免被創紀錄的低利率環境榨乾利潤，銀行業正採取不尋常的舉措。
HSBC has written to other banks to warn that it will start charging them for deposits in euros, Swiss francs, Danish krone and Swedish krona — all currencies of countries that have negative interest rates — at its UK, German and Hong Kong operations from this summer. It is the first UK bank to introduce such charges after similar announcements from Swiss, German and Nordic institutions. “HSBC charges banks for deposits they hold with us in currencies where negative interest rates apply,” the UK lender said. “Banks affected have been notified and we continue to monitor the situation.”
匯豐已書面提醒其他銀行，從今年夏天起，它在英國、德國和香港的各業務網點將開始對其他銀行的歐元、瑞士法郎、丹麥克朗和瑞典克朗存款收取費用，以這些貨幣爲本幣的國家均存在負利率。匯豐是首家開始徵收此類費用的英國銀行，此前瑞士、德國和北歐國家的金融機構都已做出了類此聲明。“匯豐將對其他銀行的負息區貨幣存款收取費用。”這家英國銀行表示，“我們已通知受到影響的銀行，並將繼續關注事態發展。”
The unusual steps come after the European Central Bank last year became the first big central bank to announce a negative deposit rate, in effect a penalty on banks parking their surplus cash.
這一不同尋常的舉動出爐之前，歐洲央行(ECB)去年宣佈實施負存款利率，成爲首家這樣做的大型央行——此舉事實上是對銀行存放富餘資金收取罰金。Central banks in Sweden, Denmark and Switzerland have also imposed negative policy rates of between minus 0.25 per cent and minus 0.75 per cent as they battle deflation and currency pressures.
在抗擊通縮和匯率壓力之際，瑞典、丹麥和瑞士的央行也都實施了-0.25%至-0.75%的負政策利率。HSBC this week wrote to the banks that will be affected and will introduce the negative interest rates on August 1.
匯豐本週已致函將受到影響的銀行，並將於8月1日起實施負利率。It will not affect the deposits of individual or corporate customers. German, Swiss, Danish and Swedish banks have been at pains to avoid subjecting the general public or small businesses to fees for depositing cash, preferring to impose levies only on the biggest corporate and institutional customers.
此舉將不會影響個人或企業客戶的存款。德國、瑞士、丹麥和瑞典的銀行一直努力避免對公衆或小企業收取存款費，而寧願只對最大型企業客戶和金融機構客戶收取費用。
