Wednesday, October 18, 2006

幫日本人開HSBC戶口是財路

雖然近年HSBC(滙豐控股(005))向低存款客戶加收費用,不過香港差不多人人都有個HSBC銀行戶口,在香港HSBC開戶口並非甚麼矜貴、了不起的事。可能你有資格在英國的HSBC開戶口還會型格一些。

不過,如果你識日文的話,幫幫日本友人開香港HSBC戶口原來卻是一條財路。禤中怡有位居港多年的日本朋友告之,日本有一些公司專門幫日本人開設香港HSBC戶口,個人戶口的收費大概係1.5萬日圓(約983港元),如果公司戶口就10萬日圓(約6,500港元)起計,多數是開運籌理財戶口,因該戶口一次過包括外匯和證券投資戶口。

為甚麼幫日本人開香港HSBC戶口都是財路,因為日本人信得過滙豐,與此同時,香港無資產增值稅,海外投資所賺的不用抽稅,而在操作戶口方面,也可以使用網上理財,如果在東京居住,又可以去花旗銀行ATM(自動櫃員機)提款,或者去HSBC東京分行辦手續。更重要的是,HSBC香港戶口兼備人民幣戶口,更可以投資港股。至少好像工行(1398)招股這種投資中國的機會,日本人也可以遠在東瀛,一樣可以用eIPO(電子白表認購)功能入表申請,不用專程撲來香港排隊輪表那麼辛苦。所以近年有公司專門代一些講中英文都不太好的日本人申請香港HSBC戶口,有些更加拿來寫博客,教人怎樣在香港HSBC開戶口。至於禤中怡那位日本朋友,都是因為識講廣東話,才可以幫上日本朋友們這個不大不小的忙。

故此,香港的銀行不只服侍內地的離岸客戶,查實日本客都「執番不少」,分分鐘不少香港HSBC的業績點滴,也是來自日本那邊客戶的支持吧。不知其他有實力的香港銀行,會不會在東京開設分行,方便當地人在香港開設戶口後,然後在東京打理財務安排呢?

不過,如果有日本人懂得幫無外國人登錄證的香港人,在日本開個銀行戶口,相信都是一條財路,至少禤中怡要在日本雅虎拍賣物品時,可省回一些匯款費用。如果哪位讀者知道竅門,請通知一聲。

eIPO反幫銀行找客
甚麼叫做為他人作嫁衣裳?像中央證券為㷫興烚烚的工行招股,引入電子白表認購(eIPO)服務,就顯然是為投資者增添入市渠道,但似乎限制多多,兼為自己「倒米」。

皆因今次電子白表認購的投資者需具備滙豐、恒生(011)或中銀(2388)的網上銀行戶口,利用該戶口支付認購金額或者利用繳費靈過數,在操作上看似很方便,但試想一想,若果閣下於該3間銀行已有網上銀行戶口,銀行為甚麼不誠邀你登記成為其網上證券客戶,然後更可以用黃表申請,同樣是網上過數,而最大好處就是投資者一旦獲配股份,可於工行上市首日便透過證券戶口沽售,彈性自然較用白表大得多。對銀行而言,多一個證券客戶外,兼處理股份買賣而收取佣金,真的一石二鳥,那麼中央證券算不算是幫這3間銀行做免費宣傳呢?

至於限制多多的問題主要集中在付款渠道方面,就是只有該3間銀行戶口才可使用,而戶口又非普通的「紅簿仔」。禤中怡同證券朋友談起,原來曾有證券行在地鐵(066)招股時,引入電子認購服務,客戶在網上遞交申請後,只需到銀行將認購金額存入指定戶口便可,然後輸入確認繳款的參考號碼後,證券行便會自行核對,運作簡單得多。

(10月18日刊於《am730》)

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