Annual Report 2021

FOR THE YEAR ENDED 31 DECEMBER 2021 截至二零二一年十二月三十一日止年度 167 年報 2021 ANNUAL REPORT NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 綜合財務報告附註 3 財務風險管理 （續） 3.1 財務風險因素 （續） (b) 信貸風險 （續） (ii) 金融資產減值 （續） 按金和其他應收款、已 抵押的銀行存款和銀行 結存 對 於 按 金 和 其 他 應 收 款，管理層就按金和其 他應收款按歷史回收記 錄、過去經驗以及前瞻 性因素進行定期個別評 估。該等交易對手近期並 無違約記錄。預期信用損 失不顯著。 對於已抵押的銀行存款 和銀行結存，那些財務機 構和信譽良好的銀行是 沒有違約的最近歷史。這 預期信用損失不顯著。 (c) 流動資金風險 透過審慎的流動資金風險管 理，本集團致力維持充足的現 金及現金等價值，及透過充足 融資金額（包括長期及短期銀 行借貸）取得資金。由於相關 業務的多變性質，本集團的融 資部門透過維持充足的現金及 現金等價值；及透過可動用融 資來源維持資金的靈活性。 3 FINANCIAL RISK MANAGEMENT (continued) 3.1 Financial risk factors (continued) (b) Credit risk (continued) (ii) Impairment of financial assets (continued) Deposits and other receivables, pledged bank deposits and bank balances For deposits and other receivables, management makes periodic individual assessments on the recoverability of deposits and other receivables based on historical settlement records, past experience as well as forward looking factors. There has been no recent history of default in relation to these counterparties. The expected credit loss is insignificant. For pledged bank deposits and bank balances, there has been no recent history of default in relation to those financial institutions and reputable banks. The expected credit loss is insignificant. (c) Liquidity risk With prudent liquidity risk management, the Group aims to maintain sufficient cash and cash equivalents and ensure the availability of funding through an adequate amount of available financing, including long-term and short-term bank borrowings. Due to the dynamic nature of the underlying businesses, the Group’s finance department maintains flexibility in funding by maintaining adequate amount of cash and cash equivalents and flexibility in funding through having available sources of financing.