Mr yam said that whether banks would pass on such charges , which amounted to the imposition of negative interest rates , to the small depositors or not was a commercial decision for each bank to take 任志刚说银行会否将成本转嫁，向小额存户徵收负利率，是个别银行的商业决定。不过，他认为银行没有理由这样做。
But some have expressed reservations in this , which amounts to the imposition of negative interest rates , in view of their unfair impact on the smaller depositors if the banks were to pass them on 但有些人对此持保留态度，因为这会引致出现徵收负利率的现象，而银行若将成本转嫁予存户，小额存户便会受到不公平对待。
To address the second concern , the dps will be able to enjoy the priority claim rights associated with its payouts to small depositors . this would significantly reduce the shortfall risk in a bank liquidation 至于第二个问题，存保计划向小额存户发放赔款后可享有优先索偿权利，此举可大为减低存保计划在银行清盘中因银行资产不足而面对的差额风险。
For the purposes of the study , the hkma agreed with the consultant that the primary objectives of any deposit protection scheme should be to provide a measure of protection to small depositors and to contribute to the stability of the financial system 在是次研究中，金管局与顾问公司一致同意，存款保障计划的基本目标应为小额存户提供一定程度的保障，以及促进金融体系的稳定。
The consultant s conclusion is that the best protection for small depositors would be achieved with an insurance based system . the consultant considers that this is most likely to have the features of liquidity and credibility which are necessary to make deposit protection effective 顾问公司的结论是，属保险性质的制度能为小额存户提供最佳保障，并认为这个制度最有可能具备流动资金与公信力这两种关键特色，确保存款保障的成效。
The council passed a motion moved by hon albert ho as amended by hon tommy cheung urging the government to expeditiously implement a deposit insurance system for effectively protecting small depositors , and to formulate appropriate complementary measures to reduce the risk of moral hazard 立法会通过由何俊仁议员动议经张宇人议员修正的议案，促请政府尽快落实存款保险制度，为小额存户提供有效保障，并制订适当配套措施，以减低道德风险。
The council passed a motion moved by hon albert ho as amended by hon tommy cheung urging the government to expeditiously implement a deposit insurance system for effectively protecting small depositors , and to formulate appropriate complementary measures to reduce the risk of moral hazard 立法会通过由何俊仁议员动议、经张宇人议员修正的议案，促请政府尽快落实存款保险制度，为小额存户提供有效保障，并制订适当配套措施，以减低道德风险。
On 13 december 2000 the legislative council passed a motion urging the government to " implement a deposit protection scheme , which is cost - effective and easy for depositors to understand , for effectively protecting small depositors , and to formulate appropriate complementary measures aimed at reducing the risk of moral hazard " 立法会在2000年12月13日通过动议，促请政府落实一套具成本效益，存户又易于理解的存款保险制度，为小额存户提供有效保障，并制订配套措施，以减低道德风险。
