HSBC has become one of the biggest global banks to say that it will begin charging clients on deposits in a basket of European currencies.

　　汇丰(HSBC)宣布将开始对客户的一篮子欧洲货币存款收取费用，成为做出这一决定的大银行之一。

　　The decision underlies the extra-ordinary measures banks are taking to prevent their profit margins being crushed in the record low-interest rate environment.

　　这一决定凸显出，为避免被创纪录的低利率环境榨干利润，银行业正采取不寻常的举措。

　　HSBC has written to other banks to warn that it will start charging them for deposits in euros, Swiss francs, Danish krone and Swedish krona — all currencies of countries that have negative interest rates — at its UK, German and Hong Kong operations from this summer. It is the first UK bank to introduce such charges after similar announcements from Swiss, German and Nordic institutions. “HSBC charges banks for deposits they hold with us in currencies where negative interest rates apply,” the UK lender said. “Banks affected have been notified and we continue to monitor the situation.”

　　汇丰已书面提醒其他银行，从今年夏天起，它在英国、德国和香港的各业务网点将开始对其他银行的欧元、瑞士法郎、丹麦克朗和瑞典克朗存款收取费用，以这些货币为本币的国家均存在负利率。汇丰是首家开始征收此类费用的英国银行，此前瑞士、德国和北欧国家的金融机构都已做出了类此声明。“汇丰将对其他银行的负息区货币存款收取费用。”这家英国银行表示，“我们已通知受到影响的银行，并将继续关注事态发展。”

　　The unusual steps come after the European Central Bank last year became the first big central bank to announce a negative deposit rate, in fect a penalty on banks parking their surplus cash.

　　这一不同寻常的举动出炉之前，欧洲央行(ECB)去年宣布实施负存款利率，成为首家这样做的大型央行——此举事实上是对银行存放富余资金收取罚金。

　　Central banks in Sweden, Denmark and Switzerland have also imposed negative policy rates of between minus 0.25 per cent and minus 0.75 per cent as they battle dlation and currency pressures.

　　在抗击通缩和汇率压力之际，瑞典、丹麦和瑞士的央行也都实施了-0.25%至-0.75%的负政策利率。

　　HSBC this week wrote to the banks that will be affected and will introduce the negative interest rates on August

　　1.汇丰本周已致函将受到影响的银行，并将于8月1日起实施负利率。

　　It will not affect the deposits of individual or corporate customers. German, Swiss, Danish and Swedish banks have been at pains to avoid subjecting the general public or small businesses to fees for depositing cash, prerring to impose levies only on the biggest corporate and institutional customers.

　　此举将不会影响个人或企业客户的存款。德国、瑞士、丹麦和瑞典的银行一直努力避免对公众或小企业收取存款费，而宁愿只对最大型企业客户和金融机构客户收取费用。

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