Friday, April 20, 2007

銀行CEO收風有計

做管理高層,如CEO(行政總裁),話雖經常處理日常業務,但掌握前線工作情況的深度始終有限,難免在制定決策(Decision making)時,只依靠部門匯報,但南韓的銀行頭頭卻另有辦法。

南韓外換銀行(Korea Exchange Bank)因03年信用卡危機而最終被美國基金公司Lone Star購入64.2%股權所吞併,行長由老外Richard F.Wacker擔任,而這位來自美國GE集團的高層,曾負責醫療系統銷售,期後亦轉做內部工作,擔任GE集團投資者關係副部長,即宣傳大員也,直至04年登陸南韓做該行副行長,並於05年坐正,故此盡得美國管理大法,發揮出來定必有一定效力。

原來他於月初安排同員工來個網上chit chat,聽取意見。雖然積極學習韓語,在溝通方面始終是「有限公司」,需要安排翻譯協助,但那份誠意已叫人加分。在個半小時中,他與10名員工討論銀行未來開設分行計劃及如何提供更佳客戶服務等傳統業務等,另外亦有員工提出設定「早放工日」,好讓員工能夠早點回家享天倫之樂,難得的是Richard話相信太太會支持這個建議,皆因他自己就是4個小孩子的父親,認真識做。

當地另一間銀行Shinhan總裁Shin Sang-hoon更早於04年已開始這個網上活動,逢周二與員工作網上溝通,並收集意見。因為日理萬機,他就想出用這種方法接受員工的投訴,實行後更成為公司營運的一個主要工作。

體檢如此好賺?
近來見到隻香港體檢(397)的廣告出現在戶外和巴士車身上,而股價今年初由0.106元起步,昨日更逆市升1.2%至0.4元,累積上升了逾2.77倍,表現絕對跑贏恒生指數和國企指數。該股提供醫療保健和體檢服務。禤中怡並非推介該股,只是想了解這個行業是否真的有前景。其實,沙士一疫後,大家對健康關注程度必定提高,加上甚麼大學、甚麼醫院等負責人經常曝光,講解不同疾病,看得多以為自己全身都有毛病(可能真的有病)。

禤中怡近日亦收到某間大銀行的信用卡推廣文件,但並非膳食優惠、購物著數,而是身體檢查及個人健康產品折扣,而且並非泛泛之輩,有聖保祿醫院、聖德肋撒醫院和香港浸信會醫院等,均提供體檢套餐,價格低至350元,激光矯視服務也只索價1.39萬元,給你「五星級的服務」,因以醫院招牌掛帥,試問大家怎不添幾分信心。

不過,需注意的是,各種計劃五花八門,應先看清楚各項服務類別,是否適合本身需要,否則只是浪費金錢和時間。禤中怡同經營身體檢查(以前俗稱「化驗所」)的朋友談起,只見他大呻賺錢難,畢竟市場上經營者數目增加,競爭激烈不用講,價格還有跌無升。朋友解釋,這個行業其實也講求關係,因為需要有中間人拉線,否則客戶不會自己走上門的,如透過醫生轉介病人來檢查,他們就要支付佣金予那名醫生。

有些中間人則包攬公司客,提供身體檢查套餐,然後再找朋友這類化驗所負責提供服務,中間人當然賺取差價。朋友便話,沙士期間與中間人簽約時,價格已極低,豈知近期續約時,加價不成,竟被要求減價!面對如斯境地,朋友惟有提出折衷方案,就是提供更多種類的驗身服務,但維持原價! 朋友這檔中小型生意(員工也有十多名)的確難做,他更坦言無肉食外,根本不知道其他對手怎樣在大賣廣告情況下仍可賺錢。其實,聽聞有驗身公司已經開始提供其他增值服務,例如針對女士們的美容服務等,真是世界難撈!

(4月20日刊於《am730》)

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禤中怡先生,

我想"禤"個讀音,是否huen呢?
同埋,好喜歡看你寫的專欄,
點解你可以想倒有咁多話題去0既?
你平時係o米看好多書0架?如係,你會每日必看咩書呢?我想好似你咁o力呀!

 
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