Wednesday, January 17, 2007

銀行開P客的藝術

由於各大金融機構各有所長,收費及服務水平不同,加上要mitigate counter party risk,禤中怡絕不會局限自己去接受某銀行的一站式服務,為一棵樹放棄整個森林。故此,禤中怡在許多金融機構裏都有戶口,處理不同的投資如債券,基金,股票,外匯,ELI等。其實,互聯網的方便,戶口多不是問題,排長龍才是問題。

幸運是我一般都會選用“特別”客戶服務。 如滙豐的Premier,渣打的Priority Banking,恒生的Prestige,中銀的VIP等等。有趣的是,這些服務皆採用一個字形極之相似的藝術P字作logo好了,究竟哪一個P你會更喜歡呢? Premier(卓越) 還是Prestige(優越),Priority(優先),還是VIP(尊貴) ?

最近市場調查公司Synovate常常抽中禤中怡做銀行服務電話調查,滙豐,渣打都有。Well, 論網站設計,個人較喜歡恒生,資料如基金表現fact sheet樣樣齊,工具也比較user friendly。同樣回郵地址是GPO Box 64的滙豐(客戶資料在這兩間銀行有私隱問題嗎?),就沒甚麼深刻印象了。渣打有時也帶給我驚喜,好像最近送給客戶的mouse pad +月曆,既能善用空間更令禤中怡每天用電腦做投資工作時想起渣打。講起禮品,還記得當年去中銀開戶送的Wedgwood水杯較名貴。

也許還是以P行先,但一般要一球美金才開戶的Private Banking的Private關係更勁吧。

美國也有特許經營榜
美國人總喜歡舉辦很多排行榜,著名的當然有《財富500強》、《福布斯》的富豪榜等等,令人目不暇給。最近,《企業家》雜誌(Entrepreneur)1月號公布《特許經營500》(Franchise500),涉及門市數目多達35.8萬間,全球年銷售額達4,000億美元(約3.12萬億港元)。

排名冠軍的就由Subway這間提供潛水艇三文治的食店蟬聯,擁有超過2.6萬間特許經營店!至於在香港的門市就要跑到灣仔或者往美國銀行中心的分店去光顧,始終門市數目有限,不像美國人般方便。

另一間大家熟悉的已經是排名第四位的7-Eleven,但過去一年已急跳升5位之多。原來7仔是排名榜中最早提供特許經營模式發展策略的公司,全球已有逾2.7萬間門市,單是美國和加拿大門市每日有約600萬人次光顧,真的照顧起居飲食。

麥當勞也不甘示弱,從去年第16位彈上第9位,重新入10大。其實這間有逾2.2萬間門市的老牌食店曾有8次排名第一位呢!

賣食品可以擴大至Subway這種規模,而且增長速度尚未停止,單是直至2010年海外門市便可望達7,500間,即較現時3,767間提升近1倍!究竟怎樣讓特許經營系統運作有效呢?據Subway創辦人Fred DeLuca解釋,必須有具備企業家思想的同事,因為身處一個龐大的營運系統,需處理很多地方事務,傳統的營運理念例如有效解決問題等技巧,只不過是保持品牌歷久常新的其中一環,反而更重要的是要注意市場不斷轉變,如部分城市的社會環境變遷,新購物中心落成,新大廈建成,即帶動人流有新變化,故此需不斷偵察,去發掘這些新市場。

Subway揀選一些連對手都想像不到的地點開設門市,如便利店、醫院、學校,甚至在沃爾瑪(Wal-Mart)內,而最近於猶太社區中心內開店就成為報紙採訪的對象。這位創辦人簡單理念就是考慮到顧客的需要,並將食物帶到客戶聚集的地方。

想不想趁內地只有55間店時,投資考一考眼光呢?每間盛惠9.45萬美元(約73.7萬港元),已包括3個月營運所需,能否成功就要考自己實力了。

外滙凶險小心被挾死
今天是日本央行議息的大日子,相信很多利差交易(Carry Trade)的投資者靜靜等待,因為市場估計加息0.25厘至0.5厘,本來息率對比其他國家可謂不值一哂,但若果觸發日圓匯價轉強,如是好友的話,大家就要小心被挾死。

禤中怡有朋友曾看淡日圓,更沽空日圓,一邊賺息,一邊賺匯價下跌的利潤,以為穩坐釣魚船,但投資世界瞬息萬變,美元兌日圓匯價從120急挫至110,朋友慌忙落車,過去獲利部分亦差不多賠掉,索性金盤洗手矣。

至於今次雖屬預料之內,但這次利用利差交易的投資方式亦存風險,就是投資者利用借入日圓,然後再用作其他海外投資,主因貸款息低嘛!絕對回報便可相應提高,但匯價不會停留不動,市場正注視一旦日本落實加息,會否觸發冚倉潮,投資者屆時將速速沽售手上海外資產套現,為所借日圓平倉,避免日圓匯價回升便損手。

不要以為香港可獨善其身,皆因香港在資金流通方面,不像泰國和南韓般有諸多規條要遵守,根本沒有設下甚麼限制,外資若果要撤資,屆時股市必首當其衝,所以大家要打醒精神,看看結果如何,隨時作應變。

(1月17日刊於《am730》)

31 Comments:

At 7:06 AM, Anonymous Anonymous said...

my sister have opened Subway at Australia, and make money.

Then went back to China, try to find some chance.

There is one Subway at Shekou Shenzhen, very hard to make money.

People in China don't want to pay $20 for just one Sub, and Chinese like noodle or BAO instead of bread

 
At 11:08 AM, Anonymous Anonymous said...

quoted:
由於各大金融機構各有所長,... 在許多金融機構裏都有戶口,處理不同的投資如債券,基金,股票,外匯,ELI等。

It would be great if you could share more insights on the strength and weakness of different institute for different investment options. I have a few accouts as well but for different reasons. I find it a bit troublesome for transferring funds among them. By the way, have you checked out the fund investment from DBS bank? So far, it seems to be the best. :-)

 
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