Thursday, October 30, 2008

銀行撲水陸續有嚟

任總預警後,終於有本港銀行要伸手集資,這次是具台資背景的富邦銀行(香港)(636),為應付金融海嘯衝擊,以及回購迷你債券所需,實行發行優先股,抽水逾9億元。

該銀行亦很公平,讓所有股東有機會參與認購,兼且批優先股有成9厘息,在此風高浪急的環境中,回報亦算不俗吧!或者可以學股神巴菲特般,認購高盛優先股,享10厘息。不過,需注意的是,優先股不等同於普通股,不能在港交所(388)買賣,他日想脫手恐有難度,且投票權欠奉。內裡還有一項辣招,就是如果富邦不向普通股股東派息的話,同樣可以不派息予優先股持有人,那9厘息就泡湯了。

隨著環境轉差,加上銀行回購迷你債券,大新銀行(2356)等中小型銀行亦可能有集資需要,而發行優先股,就可避免賤價配股,方法之一當然是大股東要有一定實力,否則真的可能要找金管局幫手了。

其實,銀行近期已不斷用定期存款優惠吸錢,借錢部門亦收緊水喉,皆因隨時出現易放難收情況,加上近期無論是製造業、零售業均遇上寒冬,自然要打醒十二分精神,否則銀行壞帳急升的話,隨時職位不保。

聽大型銀行的放貸部小頭目講,近期返回內地的次數比以前頻密,最主要是做巡查的工作。無他,這間倒閉,那間的老闆走佬,甚至連貨物及生財工具都先出售套現,只留下空空的廠房,試問銀行屆時可收回多少呢?

小頭目的巡查目的,不是特別有心想探望老闆,主要防借貸人溜走也,同時看看生產廠房是否如常開工,從而向上頭報告最新情況。

不要以為是小事一樁,禤中怡聽聞最近在這場廠商倒閉走佬潮中,有間玩具廠由細做到大,規模已經不可同日而語,最大問題是員工一下子膨脹至數千人,管理卻跟不上,剛巧又要配合那套《勞動合同法》,加上出口前景你我都知,自然敵不過這股巨浪,聽聞單是那筆遣散費就可能要1.5億元人民幣,怎不會棄城而去,當地鎮政府也只能拿些少支付欠薪而已,員工筆遣散費恐怕凍過水。至於留下的設備值多少,大家心中有數,提供貸款的銀行試問怎不要加緊留意客戶的經營狀況,避免借出去的款項,最終要撇帳收場呢?

當然,銀行手頭資金充裕,亦不能死抱不放,故放貸部小頭目也要call舊客,但並非催還款,只是通知客戶,若果肯多付兩厘息,就照常貸款,否則即時還款。小頭目話,客戶初接聽電話時,以為是叫即時還款,客戶的心情可想而知,但明白來意,知道並非催帳後,反而鬆了一口氣,並且樂於接受銀行加兩厘息的貸款條件,起碼資金周轉不會出現問題,至於利息成本上漲問題,就只好另想辦法了。

(10月30日刊於《am730》)

10 Comments:

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留意超人買的是自家公司貨,通常係無指標作用,當佢老人家買入別人公司股份就才有參考作用。

 
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