證券行將大整合
很多人經常說社會對他們不公平,但沒想過自己應該為社會做甚麼。今次永業證券出現誠信問題,涉嫌挪用客戶證券及向有關客戶提供偽造月結單,被證監會勅令停止營業,屬自己作賤之類別。連同上兩間鴻運證券、大發證券,3個月內有3間證券行爆煲,實在令散戶心慌慌。
其實,中小型證券行營運艱難已是經常的話題,除了銀行割價競爭,加上買賣差價縮窄,生存已是艱難,然而,禤中怡在證券行聽朋友說過,他們仍然幫襯證券行,原因是落盤速度快,佣金低可以炒幾轉,故中小型證券行可以針對這批客戶,未必無得做。不過,他們已出現誠信問題,散戶信得過你才放股票在證券行,竟然可以偽造月結單,叫人怎麼可以幫得落手呢?證監會已指永業證券承認截至昨日(即8月6日)為止客戶證券短欠約值430萬元,希望散戶可以拿回該筆資金。不過,要注意的是,幫襯證券行一定要低過15萬元,事關證監會的投資者賠償基金上限額度只有15萬元呢!
華資證券行沒有生存空間?又未必,散戶客源將會流入中型證券行,他們透明度相對較高,除了財政穩健外,佣金低、效率高,加上某大證券行每天均請核數師對數,增強散戶信心,相信未來1至2年證券行會出現一個收購合併浪,最終只有數間證券行立足股市了。
入金融界一定讀商科?
會考放榜後又將快開學,講開升學,好多家長認為要入去金融界做,子女讀大學時就一定要讀商科,例如會計這類科目才會有前途。讀文科、社會科學的,就等於一世無發達。以禤中怡的經驗,讀文科或社會科學不能進入金融界是錯得幾離譜的想法。因為有唔少賓架朋友,除了是物理出身外,甚至航天科技亦有,在大學時讀政治,甚至讀英國文學就更常見。
在香港讀商科抑或讀文科,進入外資大金融機構像摩根大通、花旗銀行炒房做都好難,觀乎每年這些大行聘請的見習生便知,優先請在外國「浸鹹水」的學生,剩餘的機會才給予本地生。一方面外國留學生英文比較好,又了解「鬼佬」工作文化。另外,除一向講求紅褲子主義的滙豐,大部分外資行十分看重你的家底,因家底越好代表你的人際網絡越勁,可sell的客就越富貴。如你家底不夠好,入到外資行都會比人做得辛苦。
反而在香港讀商科,除非有浸過鹹水,否則好多外資行都不願聘請。因為香港班商科學生視野狹窄,除有乜名牌,有乜娛樂新聞,甚麼真主黨同以色列,在黎巴嫩打仗一概不知,金融界偏偏好講廣闊視野,視野那麼窄,叫老闆怎請你?禤中怡有位朋友,像陶傑般有文采,當對住班富貴客,用陶傑的文采去sell客自然掂,但若果仍以為穿成套似制服的套裝,用悶死人的Powerpoint sell客,怎會成功?商科學生在金融界優勢主要係讀大學時曾修讀財務學、會計之類課程,學習起來比較快手,至少考CFA第一關比較輕鬆。但很多大行都會提供勁充足的應試參考書給員工去考CFA,這種優勢又非特別重要。所以奉勸各位準預科生或準大學生,讀商科不代表平步青雲,讀文科亦不代表要去乞食。外國有料的人,十居其九都非讀商科出身,只有香港的老闆最鍾意請商科出身的學生,這種商科迷信症真係同世界不甚接軌。
(8月8日刊於《am730》)
8 Comments:
如果不計要考入大行做,平均來說商科生要投入金融界始終比讀其他科目的學生容易,因為他們的財務知識比較豐富。
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