Annual Report 2021

HOP FUNG GROUP HOLDINGS LIMITED • Annual Report 2021 152 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED) 綜合財務報表附註（續） FOR THE YEAR ENDED 31ST DECEMBER, 2021 截至二零二一年十二月三十一日止年度 31. 金融工具 （續） (b) 財務風險管理目標及政策 （續） 流動資金風險 在管理流動資金風險時，本集團 監控及維持管理層認為充足之現 金及現金等值水平，從而為本集 團營運提供資金及減低現金流量 波動之影響。管理層監控銀行借 貸之動用情況，並確保符合貸款 償還條款之規定。 本集團依賴銀行借貸作為其流動 資金之主要來源。於二零二一年 十二月三十一日，本集團有未提 取的借貸融資約 153,919,000 港元 （二零二零年： 129,462,000 港元）。 本集團會定期監控其當前及預期 流動資金需求，確保其維持充足 之流動現金及從信譽良好之金融 機構獲得足夠之承諾貸款額以應 付本集團之短期及長期流動資金 需求。 下表詳列本集團之財務負債之剩 餘合約到期期限。該表乃按本集 團可被要求付款的最早到期日的 財務負債未折現現金流量列示。 特別是，包含按要求償還條款之 銀行借貸，不論銀行會否行使其 權利，均納入最早到期期間。其 他非衍生財務負債之到期日則按 照議定還款日期。表中包括利息 及本金現金流量。 31. FINANCIAL INSTRUMENTS (Continued) (b) Financial risk management objectives and policies (Continued) Liquidity risk In the management of the liquidity risk, the Group monitors and maintains a level of cash and cash equivalents deemed adequate by the management to finance the Group’s operations and mitigate the effects of fluctuations in cash flows. The management monitors the utilisation of bank borrowings and ensures compliance with loan repayment terms. The Group relies on bank borrowings as a significant source of liquidity. As at 31st December, 2021, the Group has available undrawn borrowing facilities of approximately HK$153,919,000 (2020: HK$129,462,000). The Group monitors its current and expected liquidity requirements regularly and ensuring sufficient liquid cash and adequate committed lines of funding from reputable financial institutions to meet the Group’s liquidity requirements in the short and long term. The following table details the Group’s remaining contractual maturity for its financial liabilities. The table has been drawn up based on the undiscounted cash flows of financial liabilities based on the earliest date on which the Group can be required to pay. Specifically, bank borrowings with a repayment on demand clause are included in the earliest time band regardless of the probability of the banks choosing to exercise their rights. The maturity dates for other non-derivative financial liabilities are based on the agreed repayment dates. The table includes both interest and principal cash flows.