Monday, January 15, 2007

亂咁收數?重罰250萬!

台灣銀行界最近真的是多災多難,先有中華商業銀行發生擠提事件,銀行最終更要被政府接管。最近台灣聯邦銀行,則被政府罰款1,000萬新台幣,折合約250萬港元。至於這次聯邦銀行被政府施以重罰,原來同聘用外判收數公司負責向客戶追收爛帳有關。

事緣很多台灣銀行都有做汽車按揭貸款,有些債仔買了汽車後,卻不找數,問題是台灣的面積比香港大好多,銀行若要成功收回貸款,唯有聘用收數公司,協助找回那架用作抵押的汽車,同時幫手尋回債仔處理爛帳。

未知聯邦銀行是否查清楚自己聘用的追數公司,究竟有甚麼往績,那間收數公司竟然在大街大巷與債仔玩追逐戰,還要將個債仔拖出來,用棒球棍打到重傷。但所謂人算不如天算,這幕恐怖追數事件,竟在電視上播出真人片段,觀眾在熒幕看到這種激烈的場面,相信還以為是大耳窿派人來收數。

及後當地警察調查發現是收數公司的所作所為之後,那幾個「狼死」收數佬固然被人拉,而台灣金管局方面,亦都要求銀行方面解畫。豈知銀行解畫時卻話,事件只屬外判商的問題,「唔關銀行事」。

不過,台灣金管局已經對那群賓架忍耐多時,之前已經三令五申話,銀行有責任要管理好那些收數公司,當然不能讓這些收數公司「無王管」,而今次聯邦銀行偏偏不將金管局的命令放在眼內。結果台灣金管局就決定重罰聯邦銀行一千萬新台幣,更話呢間銀行完全沒有履行監管責任,還先禮而後兵,話明如果有第二間銀行還敢聘請涉案的收數公司負責收數的話,一旦再因收數而出事,金管局必會施以重罰。

禤中怡的台灣賓架朋友透露,銀行近期已因這次事件而不再搵收數公司幫手收爛帳,因為那些收數公司員工出手太狠,一旦真的再發生類似事件,銀行肯定不能推卸責任,恐怕要「上身」,隨時因小失大,所以索性按兵不動。更何況除了這次打人事件外,之前已爆出中華商業銀行執笠事件,令到公眾對銀行印象很差,賓架界內也預期日後政府對銀行業的監管只會愈來愈辣,以配合民眾的要求。

至於香港金管局對那些收數公司的管理可算是相當寬鬆,因為很多香港收數公司的做法,雖然話以香港法律尺度為標準,但禤中怡久不久也聽到很多「踩界」例子,如電話追數時語氣麻麻,上門追數時態度兇神惡煞等等,在法理上,可能他們沒有犯上甚麼彌天大罪,但若果在美歐一些先進國家使用類似手段的話,就恐怕要受牢獄之災。如果不想日後金管局經常使用巨額罰款的方式去監管這些銀行,正如禤中怡之前所講,銀行最重要的是,睇緊些有爛仔館之稱的OA部門(銀行催收帳款部門)。

交易所合併有利有弊
港交所(388)去年股價表現突出,以過去1年計已累升1.3倍,股價上周五收市82.95元,話雖每手已降至500股,但未計各項費用,都要差不多4.2萬元才能買一手,難怪散戶又話貴,但若果喜歡投資兼收股息的話,可能為大家帶來一個好消息。有傳媒朋友同禤中怡講,上周總裁周文耀特別安排在五星級酒店同傳媒講去年業務表現,可以概括為一句:「破紀錄!」,交投暢旺,試問怎不豬籠入水,而最重要的是,有大筆現金流入之餘,交易所的使費增長有限,皆因周總對向外併購交易所採保留態度,相信大型投資欠奉。近期全球交易所併購熱未完,紐約證券交易所(NYSE)正併購泛歐交易所(Euronext)之際,又入股印度最大證券交易所:國家證券交易所(National Stock Exchange )20%股權。

面對這股洪流,周總裁卻指若果交易所併購另一交易所的目的只屬一項投資的話,情願將多出的現金結餘回饋股東更佳,意味股息金額可望再有驚喜。港交所於05年度所派末期息已升36%,06年度中期股息更升91.8%,若以去年下半年交投表現來看,末期息翻一番也不算過份。

為甚麼併購對港交所無意義?周總話國家內部交易所之間合併還可行,如澳洲股票交易所去年與悉尼期貨交易所合併就是好例子,但往海外併購的效益則抱質疑態度,因為不一定可產生協同效應,例如兩地的交易所能否改為只用一個數據中心,應付兩個交易系統,藉此節省支出呢?另一更重要的問題是,雙方能否解決文化差異問題呢?此外,每個地區的監管規則也不同,交易所合併前著實需要考慮清楚。

而且亞洲區的證券發展歷史與歐美大不同,區內交易所多已採取一條龍服務,即包含提供股票、期貨及衍生產品買賣等,相反NYSE現在才準備發展衍生產品業務,而歐洲部分地區的股市則不兼具結算服務等。

既然不會動用大筆資金作併購,會否在日常營運方面豪爽一點呢?據了解,港交所早為應付中國工商銀行(1398)的世紀上市而擴大系統,將容量增加一倍!而過去最繁忙時段就是每日早上10時開市前夕,大量買賣盤於9時30分開始排隊,等待成交,令系統需短時間內處理大量交易,令對盤時間延至6秒,不要小看這數秒,因為香港人講速度,慢一點也不能容忍。現時買賣對盤時間已縮短至約1秒,即代表再投入大筆資本開支有限。至於人力資源方面,有港交所內部人士同禤中怡話,曾幾何時,在鄭維健主政時代,港交所用錢疏爽,今日貴為藍籌股,樣樣執到正,兼考慮成本效益,免招閒話,那麼港交所坐擁的巨額現金,若果不派給股東,豈不是等同港府有超額盈餘也不減稅?

(1月15日刊於《am730》)

15 Comments:

At 11:44 AM, Blogger dullchai said...

禤兄

很喜歡你的文章
提供資訊之餘亦帶點主觀意見
很耐看及有意思

希望你繼續努力

另外回應你去年12月19日有關葡萄酒價格大升的文章
正如你說的
2004-06年因為經濟暢旺
環球葡萄酒價格大升

但以現貨買賣的葡萄酒投資價值我個人覺得十分有限(除非是極罕有及已被評為珍品)
反而是葡萄酒期貨中可能有機會尋寶

酒莊一般都會在葡萄酒未推出市場前以期貨形式預售給酒商/品醇客以維持酒莊的現金流
他們都會先邀請出名的酒評家試酒(如Robert Parker)之後才作出定價
若得到很高的評價
自然可以用高價出售"酒花"

不過這類貴"酒花"不是最值得投資的
反而一些被低估的將會有更大的升值潛力(一如股票市場)
例如波爾多有一酒莊Montrose
價格曾在短時間大升
因Parker將原先的評分突然大幅調高
(詳情及數字一下子忘記了)

至於如何發掘被低估的葡萄酒
哈哈, 若我知道便已發達了
不過我覺得若不同的酒評家給的分數有很大的差別的話
大家都可以留意一下

 
At 9:35 AM, Anonymous Anonymous said...

主持人 :

本人高位買入346中聯石油化工股票, 現在下跌低位, 請問是否要拋出 ? 此公司前景如何 ?是否值得持有 ? 請盡快回覆 ! 謝謝 !

 
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