Friday, October 06, 2006

銀行應「睇實」爛帳部

近日發生一宗慘劇,有位月薪只得七千幾蚊的基層市民,因為受不住收數公司的電話滋擾,結果自斬手臂自殺。我在一間外資大行認識的那位負責公關部門的小姐,見到這宗新聞時,第一件事是看看各大報章有沒有列出死者所欠銀行的卡數。如果所欠金額的銀行名稱張揚出去,真是賣多多廣告都救不到這家銀行的形象。

其實各大銀行都有內部監管部門,負責監察各部門有否違反規矩,例如批核卡數要依指引進行,涉及個人資料、證券交易的資料不可以隨便處理等等。禤中怡還在外資大行工作時曾試過因太匆忙,亂放文件在枱面,遇到內部監管的同事進行突擊檢查,結果遭人影相,兼發書面警告。不過內部監管部門一般只會集中精力注意投資銀行、私人銀行和證券相關的部門,因為這3個部門一旦出事,不只公司聲譽受損,而且分分鐘有刑事「手尾跟」,如果涉及美國證監會的就更要加強監察,因為美國證監的「法力」簡直可以用無邊際去形容。

但是銀行裡面有俗稱的「爛仔館」,亦即是稱為OA(Overdue Account)Dept的爛帳部,內部監管部門對這個「爛仔館」就相對「睇得無咁實」,因信用卡涉及幾萬至幾十萬元的數目,對大行來說只是婆仔數,怎也不及私人銀行和投資銀行,最低消費以M(Million,即100萬)美元計那麼誇張,且內部監管部員工薪酬很高,怎值得用上這種價錢去監察OA Dept。由於OA Dept「無被人睇實」,加上這個部門員工的薪酬在整體銀行員工架構上屬於偏低一類,文員薪酬只得幾千元,結果該部門員工常被收數公司請飲請食不在講,去年更加爆出連續十幾間銀行,有職員受賄賣料予收數公司,更cheap到每份料只值十元至廿元。銀行有職員收賄亂放私人資料給外人,除了有同事被捕要坐監,銀行聲譽受損更不用多講。

如果OA部門員工讓收數公司各師各法來誘惑爭生意,發生多幾宗類似的倫常慘案並非難事,遲早有人會指責這班賓架製造社會治安問題,迫政府要接納法改會建議管住收數公司就大家「無癮」。好像台灣的銀行去年透過收數公司負責收數情況嚴重,最後發生一家四口燒炭自殺事件,之後政府下令各大銀行自己發信予債仔商討債務重組。政府都要管治威信,曾特首要強政勵治,胡總話要和諧社會,出手又好出奇乎?內部監管部門為公司無價的形象著想,是時候找多些時間監察OA Dept了。

網上報紙有「錢」途
收費報紙要殺出血路可能來自他們的最大對手:互聯網。美國報業協會(Newspaper Association of America)剛公布上半年當地網上瀏覽報紙情況,相信不用多估,使用量必是大增,而年輕化趨勢持續。每月上網看報紙的數量逾5,550萬人次,幾乎是每3名互聯網用戶就有一個會「光顧」報紙網站,比去年同期大升31%,25至34歲讀者增加15%,尤以學生為主的18至24歲讀者群亦上升10%。至於網頁瀏覽量的增長更驚人,上半年已升52%,單是7月便有35%互聯網用戶曾瀏覽報紙網站,用戶人數較去年同期升27%。雖然互聯網提供大量資訊,但上網時間始終有限,大家想知道天下事時,必倚賴由新聞專才製作的新聞資訊。這些網上讀者不一定會買報紙,只要報紙老闆好好利用自己的網站去拓展財路,不難找到另一批忠實讀者。

(10月6日刊於《am730》)

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