Wednesday, September 10, 2008

全方位推私貸

銀行究竟是不是水浸,甚至滿瀉到不得了,真的要看清楚,好像永亨銀行(302)中期業績話存款只增長3.4%,而近日便發行2.25億美元(約17.55億港元)永久債券,孳息率為9.375厘,是否有鴻圖大計就未知,只知道樓按生意難做,經濟活動亦因負面消息籠罩所影響,企業安排商業貸款時,自然會審慎一點,加上股市跌未完,你估借錢炒股票的生意是否比去年大減呢?那麼銀行要找尋甚麼商機,方可有10厘回報,才能抵銷債券利息,兼賺取微微的利潤,抑或公司等錢使?

但另一方面,禤中怡最近收到大銀行的宣傳廣告,又是鼓勵借錢,更話預先批核了多少金額,若果分多少期(當然用最長時期做例子),便可令每月償還款項變得更低等等。令禤中怡忍俊不禁的是,望望那個預先批核的信貸額,竟然比數月前同樣的貸款計劃,足足上升了1倍,確是與有榮焉。

可惜禤中怡身家和收入卻未見大幅膨脹,兼且今日借錢,他朝仍需還款,負上一身龐大債項,心裡始終不太舒服,況且即使有優質投資機會出現,也要量力而為,利用借貸去投資,風險不容忽視。從私人貸款市場而言,多少可見銀行手鬆了,見到報章話私人貸款息率甚至比拆息為低,可見銀行生意難做,但需注意,大額貸款方可獲如此低息,並非人人適用,故此要睇清楚條款。

除了不斷找商機外,可能生意太靜,銀行還要想點噱頭,讓員工忙忙。近日見到銀行也要像港大鍾博士為立法會選舉做民意調查般,自行在分行進行客戶調查,但安排上就不敢恭維了。該銀行就其私人財務經理的服務滿意程度進行調查,只見客戶經理拿著一疊問卷,著相熟客戶往網上或電話進行意見調查,約需5分鐘便完成。

本來無甚特別,但估不到要輸入分行編號,以及職員編號。問題來了,經理遞過來,客戶心底裡會怎樣想呢?究竟會否有偏頗的情況出現?加上份問卷有點變相針對某一個職員的表現,隨時成為員工表現評核(Performance Appraisal)的依據也說不定,故此客戶所填的意見十分重要,試問除了有讚無彈,又可以有甚麼結果呢?

問卷的問題,多環繞對私人財務經理的整體表現、分行表現等較籠統的問題,甚至是要為銀行整體服務的滿意程度作評分。說真的,除非銀行累你蝕大錢,兼且搞到一肚氣,否則實在難以有太差的答案。好了,銀行拿著那些表現突出的成績,又可以作為歌功頌德的上佳材料,可以向上頭作交代。有時看民意調查,著實要看問題的內容、甚至調查的方法,若果刪去加入職員編號等,並加入如:「可以改善的地方」,相信客戶才可真正發表意見,而以整個集團為依歸,員工的壓力也會少一點。

(9月10日刊於《am730》)

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