Thursday, July 13, 2006

在成田機場遇上HSBC

禢中怡近期去日本公幹,在成田機場一落機,就見到大大個滙豐標誌在登機橋出現,差一點以為自己搭錯飛機返香港,因為在東京,要搵間獅子銀行分行都難過登天,依家一落機就見到親切的滙豐標誌,究竟搞邊科?呢次滙豐話要慶祝日本分行成立一百四十周年,所以要大肆宣傳一番。原來滙豐在日本已經有咁耐歷史。

不過,滙豐之前於日本的零售服務又唔算做得特別好,除咗在香港有發行、在日本好好使、但在香港就唔多啱用的JCB卡外,如果滙豐同恒生(011)客戶想在日本有急事提款,最就手居然係去東京的花旗銀行,或者搵就近的郵局(日本郵局係當地最大的銀行,你無睇錯),搵部支援PLUS的提款機攞錢,因為滙豐在日本,主要係買賣房產同商業銀行分部,零售業務就唔係主要籌疇。

今次滙豐在日本大肆宣傳,除了有助吸引好鍾意去日本的香港、台灣和大陸旅客外,究竟點解滙豐要在成田機場,賣咁大個廣告呢?日本成田機場,除咗多香港、台灣、大陸同南韓遊客,其實仲有好多去中國開廠做生意的日本人。皆因滙豐利用本身同香港的淵源,搞咗個中國業務推進室的部門,專門協助日本人在中國做生意。在香港的日本人梗係知滙豐是甚麼,但唔知滙豐原來日本也有分店。所以日本成田機場的滙豐廣告,內容同香港差不多,只不過無好似加拿大同澳洲咁,擺明以香港銀行自居,出埋中文。所以滙豐之所以成為投資者的最愛,除咗做生意穩陣,唔會為求出位而胡亂放數或者冒險外,滙豐仲好識利用本身的香港招牌嚟搵食,實行以多元區域文化概念作賣點。所以香港人,咪對自己咁無信心,動不動就擔心被人邊緣化。

電盈交易的疑問

電訊盈科(008)的股權交易所引發的問題,相信連主席李澤楷先生事前也難以想像。中環的賓架好友們的眼光,現時正注視着當中的陣陣疑團疑問。

首先是盈科拓展與梁伯韜的全資公司Fiorlatte Limited進行的交易中,向買方提供七成資金的融資行為,而梁伯韜的公司需要付出六厘半的利息。梁伯韜所謂的91.6億元收購,是要在18個月內付清。梁伯韜大有機會在末來18個月過渡至預定的終極買家。又或是緊握末來的18個月來把電盈股票善價而沽。若超過91.6億元,發達!賣不出? 你估用作收購的私人有限公司Fiorlatte及其持有的電訊盈科股票會否重落在債權人盈科拓展手中呢?

說梁伯韜是買家,倒不如說他是替盈科拓展叫賣的經紀好了。另一方面看,在商言商,為買家提供融資的交易個案時而有之,但令人覺得有趣的是,盈拓根據甚麼資料來衡量這宗交易的融資風險呢?梁伯韜雖曾位處國際投資銀行的高、高、高層,但以一宗數十億元計的商業交易而言,梁伯韜的財政實力真是令不少中環賓架們羨慕到不得了吧!

況且在盈拓本身業務中,過去又是否曾經參與過甚麼大規模的融資放債活動呢?不說上市公司,就是小本生意,資本也是一項最重要不過的資產,以本身之資本借予他人來購買自己的資產,在一般的商業借貸行為上,若他日對方不能兌現還款的話,貸款者可以向借款者要求歸還抵押品,但今次不知梁先生的借貸條約中,是以甚麼作為抵押的呢?

自交易消息公布後,只有梁先生一人出來說Fiorlatte Limited為他全資擁有的公司,但對於他自己是否只是以代理人身份,為長實(001)主席李嘉誠委託而作出收購,他就以市場揣測而不作出評論,並稱這是屬於個人商業行動。

電訊盈科是香港其中一家大型及為公眾提供電訊網絡服務的上市公司,電訊管理局有責任要求固定網絡牌照持有人對市民提供穩定的電訊服務,但梁先生就以這宗個人商業行動為由,而未有詳細交代其公司的各項背景資料,我不知道電管局對這位電盈新的大股東了解有幾多呢?

而最教人摸不著頭腦的,還有電盈對新橋及麥格理的收購建議的取態,梁先生表示,「冇講過唔願意與新橋或麥格理合作,收購意向應交予現有董事局研究方案是否對股東吸引。」言之所在,那是否表明電盈誰屬還是謎中之謎呢?
(7月12日刊於《am730》)

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