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18%u9999%u6e2f%u9280%u884c%u5b78%u6703%u5e74%u5831%u4e8c%u25cb%u4e8c%u56dbThe Hong Kong Institute of Bankers Annual Report 2024%u63d0%u5347%u4eba%u624d%u57f9%u8a13%u8207%u884c%u696d%u5354%u4f5c%u2003 %u958b%u5275%u672a%u4f86%u9280%u884c%u696d%u683c%u5c40%u6b63%u7576%u74b0%u7403%u7d93%u6fdf%u9762%u81e8%u8af8%u591a%u4e0d%u78ba%u5b9a%u6027%uff0c%u5730%u7de3%u653f%u6cbb%u6301%u7e8c%u7dca%u5f35%uff0c%u5168%u7403%u9280%u884c%u696d%u6240%u9762%u5c0d%u7684%u6311%u6230%u4e00%u76f4%u6709%u589e%u7121%u6e1b%u3002%u7136%u800c%u8b8a%u5c40%u4e2d%u4e5f%u6709%u65b0%u5951%u6a5f%u5275%u65b0%u601d%u7dad%u80fd%u70ba%u884c%u696d%u958b%u5c55%u65b0%u683c%u5c40%u3002%u57282024%u5e74%uff0c%u9999%u6e2f%u9280%u884c%u5b78%u6703%u7a4d%u6975%u61c9%u5c0d%u65b0%u5f62%u52e2%uff0c%u9032%u4e00%u6b65%u52a0%u5f37%u8207%u696d%u754c%u7684%u5408%u4f5c%u5925%u4f34%u95dc%u4fc2%uff0c%u4e26%u64f4%u5c55%u4eba%u624d%u767c%u5c55%u9805%u76ee%uff0c%u6210%u679c%u6590%u7136%u3002%u96a8%u8457%u6703%u54e1%u4eba%u6578%u6301%u7e8c%u589e%u9577%uff0c%u4ee5%u53ca%u8207%u672c%u5730%u53ca%u6d77%u5916%u6a5f%u69cb%u7684%u5408%u4f5c%u65e5%u76ca%u7dca%u5bc6%uff0c%u5b78%u6703%u6b63%u5168%u529b%u69cb%u5efa%u66f4%u5177%u97cc%u6027%u7684%u9280%u884c%u696d%u4eba%u624d%u5eab%uff0c%u5354%u52a9%u9280%u884c%u5f9e%u696d%u54e1%u638c%u63e1%u7576%u524d%u6240%u9700%u7684%u6280%u80fd%u4e26%u57f9%u990a%u65b0%u4e00%u4ee3%u4eba%u624d%uff0c%u70ba%u8fce%u63a5%u5d84%u65b0%u6a5f%u9047%u4f5c%u597d%u6e96%u5099%u3002%u63a8%u52d5%u6703%u54e1%u589e%u9577%u2003 %u958b%u62d3%u57f9%u8a13%u6a5f%u9047%u5b78%u6703%u4e00%u76f4%u662f%u9280%u884c%u696d%u5c08%u696d%u57f9%u8a13%u7684%u4e3b%u8981%u63d0%u4f9b%u6a5f%u69cb%u53ca%u8a8d%u8b49%u4e2d%u5fc3%u3002%u70ba%u9032%u4e00%u6b65%u63d0%u5347%u57f9%u8a13%u670d%u52d9%uff0c%u5b78%u6703%u65b0%u63a8%u51fa%u56db%u9805%u5c08%u696d%u9280%u884c%u8cc7%u683c%u8a8d%u8b49%uff0c%u978f%u56fa%u6211%u5011%u4f5c%u70ba%u884c%u696d%u57f9%u8a13%u53ca%u8a8d%u8b49%u4e2d%u5fc3%u7684%u5730%u4f4d%u3002%u9019%u4e0d%u50c5%u9ad4%u73fe%u4e86%u9280%u884c%u754c%u5c08%u696d%u4eba%u58eb%u5c0d%u9999%u6e2f%u9280%u884c%u5b78%u6703%u7684%u4fe1%u8cf4%u4ea6%u5f70%u986f%u4e86%u696d%u754c%u5c0d%u9ad8%u8cea%u7d20%u5c08%u696d%u4eba%u624d%u65e5%u76ca%u589e%u9577%u7684%u9700%u6c42%u3002%u651c%u624b%u5408%u4f5c%u2003 %u57f9%u80b2%u65b0%u4e16%u4ee3%u4eba%u624d%u70ba%u6301%u7e8c%u4fc3%u9032%u696d%u754c%u5354%u4f5c%uff0c%u5b78%u6703%u65bc2024%u5e74%u5171%u8209%u8fa6%u53ca%u8207%u5176%u4ed6%u6a5f%u69cb%u5408%u8fa6%u8fd190%u5834%u884c%u696d%u6d3b%u52d5%uff0c%u5438%u5f15%u8fd113,000%u540d%u4eba%u58eb%u53c3%u8207%uff0c%u5176%u4e2d%u5305%u62ec%u300c%u9999%u6e2f%u9280%u884c%u5bb6%u5cf0%u67032024%u300d%u53ca%u300c%u8207%u5c08%u54e1%u5c0d%u8a71%u7cfb%u5217%u300d%u3002%u6709%u8cf4%u9999%u6e2f%u91d1%u878d%u7ba1%u7406%u5c40%u3001%u9999%u6e2f%u9280%u884c%u516c%u6703%u3001%u5404%u91d1%u878d%u6a5f%u69cb%u53ca%u653f%u5e9c%u90e8%u9580%u7684%u9f0e%u529b%u652f%u6301%u8207%u7dca%u5bc6%u5408%u4f5c%uff0c%u9019%u4e9b%u6d3b%u52d5%u5f97%u4ee5%u6210%u529f%u8209%u8fa6%u3002%u6191%u85c9%u6b64%u5805%u5be6%u7684%u57fa%u790e%uff0c%u5b78%u6703%u9032%u4e00%u6b65%u767c%u63ee%u5927%u7063%u5340%u8de8%u5883%u5408%u4f5c%u5925%u4f34%u95dc%u4fc2%u53ca%u4eba%u624d%u4ea4%u6d41%u8a08%u5283%u512a%u52e2%u3002%u900f%u904e%u4fc3%u9032%u5340%u5167%u5408%u4f5c%uff0c%u4e26%u70ba%u672c%u5730%u9280%u884c%u5f9e%u696d%u54e1%u5efa%u7acb%u5168%u9762%u7684%u5c08%u696d%u4eba%u969b%u7db2%u7d61%u53ca%u77e5%u8b58%u4ea4%u6d41%u5e73%u53f0%uff0c%u5b78%u6703%u6301%u7e8c%u5f37%u5316%u5176%u4f5c%u70ba%u8d85%u7d1a%u806f%u7e6b%u4eba%u7684%u89d2%u8272%u3002%u65b0%u4efb%u8b70%u6703%u53ca%u7406%u4e8b%u6703%u6210%u54e1%u3001%u69ae%u8b7d%u9867%u554f%u526f%u6703%u9577%u53ca%u69ae%u8b7d%u9867%u554f%u52a9%u529b%u5b78%u6703%u7e8c%u5275%u4f73%u7e3e%u6211%u8b39%u5411%u5404%u6301%u4efd%u8005%u81f4%u4ee5%u8aa0%u646f%u8b1d%u610f%uff0c%u611f%u8b1d%u8b70%u6703%u6210%u54e1%u3001%u7406%u4e8b%u6703%u6210%u54e1%u3001%u5404%u59d4%u54e1%u6703%u6210%u54e1%u3001%u5b78%u6703%u6703%u54e1%u3001%u696d%u754c%u5c08%u5bb6%u3001%u9867%u554f%u3001%u4e3b%u8003%u4eba%u54e1%u53ca%u57f9%u8a13%u4eba%u54e1%u7684%u4ed8%u51fa%u53ca%u652f%u6301%uff0c%u4e26%u7279%u5225%u611f%u8b1d%u96e2%u4efb%u6210%u54e1%u70ba%u5b78%u6703%u4f5c%u51fa%u7684%u5353%u8d8a%u8ca2%u737b%u3002%u6211%u4ea6%u8b39%u85c9%u6b64%u6a5f%u6703%u71b1%u70c8%u6b61%u8fce%u65b0%u52a0%u5165%u8b70%u6703%u53ca%u7406%u4e8b%u6703%u7684%u6210%u54e1%uff0c%u671f%u5f85%u8207%u5927%u5bb6%u651c%u624b%u524d%u884c%uff0c%u5171%u5275%u4f73%u7e3e%u3002%u65b0%u4efb%u8b70%u6703%u6210%u54e1%u2022%u62db%u5546%u6c38%u9686%u9280%u884c%u6709%u9650%u516c%u53f8%u57f7%u884c%u8463%u4e8b%u517c%u884c%u653f%u7e3d%u88c1%u5289%u921e%u5148%u751f%uff0cHon. Certified Banker%u2022%u4e2d%u4fe1%u9280%u884c%uff08%u570b%u969b%uff09%u6709%u9650%u516c%u53f8%u57f7%u884c%u8463%u4e8b%u517c%u884c%u653f%u7e3d%u88c1%u6c88%u5f37%u5148%u751f%u2022%u5357%u6d0b%u5546%u696d%u9280%u884c%u6709%u9650%u516c%u53f8%u57f7%u884c%u8463%u4e8b%u517c%u4ee3%u884c%u7e3d%u88c1%u5b6b%u5efa%u6771%u5148%u751f%u69ae%u8b7d%u79d8%u66f8%u5831%u544aHonorary Secretary%u2019s Report