Tuesday, September 23, 2008

賓架唔想你輸

中美大合奏,美國輸出次按風暴,環球股市年來跌未停,就知道次按風暴威力,而中國則輸出毒奶,才知道影響國際的嚴重性之巨大。難得的是,奏完悲歌,中美兩個政府就齊齊救市,內地放寬銀根,美國卻將私人企業國有化,認真合拍,但究竟哪個才是市場經濟體系?
金融界朋友提醒,今次挾淡倉威力非同小可,因為美國等多個國家限制無貨沽空,迫大戶不問價平倉,才引發急升現象,但現在無「實錢」流入,而之前兩周,大市跌到不見底,相信對沖基金已完成洗倉套現大計,應付贖回準備,而美資行「坐盤」能力已被削弱,皆因撲水救阿媽嘛!後市是否仍有力更上一層樓,就要望清楚資金流向。

上周大市亂七八糟,禤中怡昨日才敢找賓架朋友問候一番,果然不出所料,他忙到透不過氣,佢第一句就話聽電話都聽到手軟。無他,雷曼兄弟(Lehman Brothers)出事,大家直接感受到這股風暴的殺傷力,而雷曼發行不少投資產品,擁有龐大零售分行網絡的銀行,過往除分銷自己的產品外,還可替其他金融機構發行的投資產品,提供銷售服務,從中賺取服務費用,以往最普遍的多是基金產品,然後產品多元化,就如是次雷曼發行的迷你債券等。

賓架朋友話,客戶持有雷曼發行的投資產品,第一時間找上門問怎解決,但莫奈何,因為銀行只是做分銷,那些風險聲明亦早已附上,客戶閱覽後要簽文件作實。面對這種場面,聽聞中銀香港(2388)更已製作了一份標準答案的文件,供前線客戶經理手執一份去解畫,不能講多半句!

不過,禤中怡睇報紙,見到有投資者用畢生積蓄買雷曼迷你債券,驚訝萬分,竟然沒有分散投資,且如此重注!究竟銀行事前有否幫客戶做理財分析,抑或只顧交差就如此勇進?賓架朋友就話,其實銀行當然不想客戶輸錢,因為客戶日後再幫襯的注碼少了之外,失去客戶和影響聲譽才是最大件事,可惜今次能夠做的,始終有限。

聽完客戶勞氣說話後,另一邊卻又有生意找上門來。原來美國的金融機構頻出事,不是被收購,就是要向阿公伸手借錢,結果有些美資銀行的客戶就開始擔心自己放在戶口的血汗錢也會受影響,所以找賓架朋友,希望「搬倉」,將那些資金調入朋友那間銀行內。

據賓架朋友話,聽聞另一間得益的銀行是恒生(011),因柯大俠曾經話過次按產品看不懂,所以當時沒有沾手,今日可算揑一把汗。賓架朋友相信客戶看中這點,起碼銀行不用為此作撇帳,將錢存入安心得多,故其他傳統大銀行亦有望受惠。禤中怡聽完也不知怎回答,「人非有信,就不能收人的錢」,今日「信用」這兩個字真的千金難求,普通如飲杯奶也可能會出事,何況是身家財產呢?

(9月23日刊於《am730》)

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