Friday, February 29, 2008

重金留人

好友續展現威力,現貨月期指昨結算,即使連升兩日後,開市後半小時,恒指反覆回落200多點,但在隨後兩小時就差不多一口氣衝上接近24,640點高位,高低位相差420點,並以微升107點至24,591點收市。


財爺派糖餘威猶在,加上中電控股(002)全年業績符合預期,為大市添支持,而下周是藍籌股業績高峰期,重頭戲還看大笨象滙豐控股(005)公布07年度業績,還有新地(016)和太古A(019)講盈利表現,多少對後市有更明確啟示。


另外,日前談到強積金不可不理,昨日遇上保險界朋友,他立刻捉著禤中怡呻強積金生意好睇唔好食,更坦言今日保險業搵食同搵人也不容易,禤中怡只好洗耳恭聽。


搵食方面,相對銷售其他保險產品,賣強積金產品確實是雞肋,究其原因,就是佣金水平低,但服務就不少,遇著企業客戶的人手不足,員工更替率卻又偏偏十分高的話,真的是白做不特止,連交通費也蝕埋。


此外,若要符合資格處理強積金服務,當然要領牌,每年牌費逾1,000元,可惜市場已成熟,再增加生意機會有限,真的連牌費成本也不易收回,難怪強積金管理局統計顯示01年2月底還有3萬多名個人註冊強積金中介人,直至今年1月底止只有2.45萬名,少了5,500名,有保險代理更索性不續牌。


近年潮興講甚麼住院現金等保險計劃,面對財爺撥500億元應付醫療融資所需,保險界會否又少一條財路?保險界朋友話,買得住院和危疾保單的客戶並非因為醫療改革才買這類保險的,大多是考慮到萬一發生問題時,可以使用較佳的醫療設施而已,況且醫療融資方案何時出爐也屬未知之數,無理由在這段真空期冒風險,故客戶買醫療保險意欲未見減退,但若方案內容與已購保單條款相若,可能真的惟有建議客戶取消已買保單,避免產生重複支出,但始終要先睇清楚葫蘆裡賣甚麼藥,實在禍福難料。


至於搵人也有難度,可能市場工種增多,於99年本港保險代理人數有4.5萬名,但去年底人數只有2.88萬名,少了一大截。見到滙豐保險高調開招聘會請人,可見擴展決心,當然獅子銀行有品牌效應,多少有幾分優勢。


保險界朋友話,保險公司找人手一向相當落力,聽聞有間歐資保險公司去年出重賞,話經理級主管能夠增添員工,兼能夠工作一段時間的話,就可獲獎金作鼓勵,故有經理成功擴大自己的組織,最終竟拿取了過百萬元的獎金,可以過肥年,隨時比自己「跑單」的回報還要高。


不過,禤中怡近日接獲做會計的朋友電話,他話正上堂學做保險經紀,因為保險公司有津貼做收入,即使最終放棄加盟,只要在隨後一年不轉投其他保險公司,那份津貼就袋袋平安,賺晒!那麼保險公司的成本又怎計呢?


(2月29日刊於《am730》)

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