Friday, March 07, 2008

借錢分身家

滙豐控股(005)為次按大撥備,幸好其他業務表現強勁,才不致成為敗家仔,但中型銀行就真的嚇親人,像永隆銀行(096)為次按相關債務抵押債券(CDO)及結構投資工具公司(SIV)票據作高達近6億元減值準備,話雖盈利倒退14.6%,但末期息就大跌42.3%至1.5元就有問題,反映管理層可能要保留更多資金應急,難怪股價昨日逆市大挫最多6.3%,收市仍下瀉5.3%至84.9元。


另一間創興銀行(1111)同受次按撥備拖累,令盈利持平,嚴格來說,表現實屬不合格,但派息額不變,除開市早段被人「質一質」,但很快已回升,收市仍略漲0.24%,可惜成交不多,難作準。不過,富邦銀行(636)同永亨(302)就被波及,股價收市分別跌近2.4%和0.9%,相信其他銀行股所受次按影響程度會陸續浮現。


昨日見到《am730》封面新聞,有單離婚官司,可能香港銀行界可以仿效日本同業的做法,開拓多條新財路,好過投資次按這些看似低風險,實則超高風險的投資。


這段新聞話上訴法院推翻原來區域法院裁定離婚婦人只獲前夫三分一家產,改按「公平分配原則」,實行一人一半,離婚婦人多得60萬元。新聞本來不覺特別,但懂得動腦筋的話,就有商機,因為資產分配時,能否在短期內將固定資產變現,然後可以攤分呢?雖然有資產投資等,但試問怎會沒有資金周轉需要呢?


記得日本的銀行業面對水浸危機,要找人向銀行借錢,就十分困難,所以要各出奇謀,而位於岐阜的大垣共立銀行,於去年首創離婚族專屬的「再生」低息貸款,這貸款名叫「Re」,貼切其「再嚟過」的味道。


該銀行話年紀介乎20歲至66歲的客戶,年收入200萬日圓(約15萬港元),兼且備有離婚證明就符合資格,最少貸款10萬日圓(約7,500港元),最高貸款額為500萬日圓(約37.5萬港元),而貸款期限更由6個月至7年不等,認真夠彈性!


息率方面就更有優勢,過去要借錢應付這種突如其來的開支,只能申請私人貸款,甚至利用信用卡透支現金,年息高達15厘至20厘。至於這種「再生」貸款話明是低息,當然要與私人貸款息率有一段距離,去年息率只有5.8厘,令離婚人士的負擔不致大增,但這種貸款採取浮動息率,並於每年4月和10月計算一次,而最新年息率已調升至5.825厘。話雖日本離婚率比外國低,06年每千對夫婦中的離婚數字僅兩對,比美國05年時的3.6對,甚至較俄羅斯03年時的5.5對為低,但日本人離婚時,同樣可能面對裁判費用和財產分配的資金需求外,還有一種叫「慰謝金」,可能要支付予受傷害的一方,作為賠償,所以大家還是記住「家和萬事興」最好。


(3月7日刊於《am730》)

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