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2014
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F I NANC I A L MANAGEMENT
財務管理
During the year, a review on investment strategy was conducted
culminating to a change in asset allocation. In view of the escalating
construction cost and the risk of impending increase in interest rate on
fixed-income instruments, the Ad Hoc Committee on Fund Management
recommended a reduction in exposure to global bond, in favour of
global equity and Asian equity. The changes in asset allocation were
implemented during the year.
Loan Administration
As at 31 March 2014, the Housing Society was managing 4,002 loans
granted under various loan schemes. During the year, 623 loans were
granted to borrowers under the Integrated Building Maintenance
Assistance Scheme and 15 second mortgage loans were granted
to purchasers of Harmony Place. Meanwhile, 1,517 borrowers had
fully redeemed or partially repaid their loans. Legal proceedings were
instituted against 52 default borrowers.
Risk Management
Risk management plays an integral part in our strategic planning,
business development and monitoring processes.
The Housing Society utilises an Enterprise Risk Management framework
to identify and proactively manage risks material to the organisation. For
new business initiatives, potential risks were assessed in early planning
stage and monitored on a regular basis. Last year, we also completed an
organisation-wide assessment of risk exposures across different business
processes. Key risks identified were timely reported and handled.
年內，我們檢討了投資政策，因而改變了資
產的分配。鑑於建築成本上升及固定收益工
具的利率有即將上升的風險，基金管理專責
委員會建議減持環球債券，並增持環球股
票及亞洲股票。這些資產分佈轉移已於年內
實行。
貸款管理
截至二零一四年三月三十一日，房協共管理
4,002
宗各項貸款計劃的個案。年內，房協
共批出
623
宗「樓宇維修綜合支援計劃」的申
請及十五宗「樂融軒」的二按貸款申請。同
時，
1,517
名貸款者已全數或已償還部分貸
款，另房協已向五十二名未能償還貸款的人
士提出法律訴訟。
風險管理
風險管理是我們在策略性規劃、業務發展及
監控過程中不可或缺的部分。
房協採用了「企業風險管理」架構，以辨識
及積極管理對機構帶來重大影響的風險。對
於新的業務計劃，我們在規劃初期評估潛在
風險，並進行定期監察。去年，房協就不
同業務程序所面對的風險完成了全機構的評
估，並適時通報及處理辨識到的主要風險。
