" i am glad to see the zero increase in the loan delinquency ratio for may , although a longer time will be needed to see whether the deterioration in asset quality has indeed stabilized , " said mr . y k choi , acting deputy chief executive of the hkma 金管局署理副總裁蔡耀君表示:我很高興見到貸款拖欠比率在五月份錄得零增長。但資產質素下降的趨勢是否已回穩,則要較長時間才可確定。