Wednesday, November 26, 2008

公司政策無得拗

銀行業早前裁員後,搞到員工人心惶惶,即使能夠留下來的,亦要面對市場環境的改變,甚至陷入左右做人難的局面。

禤中怡的商界朋友昨日呻,同中資龍頭銀行交往多年,本來相安無事,但近日竟然為存款續期而勞氣,因為該行的RM(Relation Manager,客戶關係經理)通知他,有關歐元定期存款戶口即將到期,若果要再續期的話,1個月定期的利息只能給予1.5至1.6厘。朋友亦有備而來,立即話歐元拆息也有2厘,豈不是借俾另一間銀行好過?

朋友立刻行動,先致電另一間銀行問個清楚,向本地老牌銀行查問後,所獲答覆是,原有客戶的歐元定期存款續期的話,息率會有2厘,如果搬筆新資金到該行做定存的話,息率更加可以添多些,能夠增至3厘水平。不要小看那個利息差距,若果定存金額夠大,涉及的銀碼就非同小可。

朋友了解過後,自然再找中銀香港位RM查問,能否加多些少,豈知RM失望地向朋友解釋,此乃公司政策,無辦法。朋友問禤中怡,為何單單是利息水平,銀行也會如此欠缺競爭能力,更不讓RM有給予熟客一定彈性的權利呢?

朋友話,聽到RM那番話,意味RM可供爭取留客的籌碼實在有限,相信有些客戶亦已帶錢過檔其他銀行。朋友為免麻煩,兼做個順水人情,最終亦唯有答應,將筆歐元續期多一個月,之後再作打算。

難得成功留客,朋友話那位RM在電話筒的另一邊,表現得十分感激,多謝等說話自然少不免,皆因留住個客,雖然現在再游說買投資產品著實不易,最重要的是,日後仍有生意機會嘛!況且對保住份工亦多少有幫助。

見到有銀行前線員工要掙扎求存,但有趣的是,禤中怡了解所得,銀行內部有些部門卻「唔憂無得做」,反而開始要準備忙碌,這個部門就是負責收樓,即按揭客戶無法繼續供樓而被銀行收回,俗稱銀主盤也,而金管局亦已公布第三季負資產數目大增1.7倍至2,568宗。當然,對比03年6月高峰期的10萬宗,不足三千宗的數目,真是濕濕碎也,但直至9月底,負資產所涉按揭額則由17億元,大幅增加2.53倍至60億元之多,所涉金額便要注意,在未來會否進一步攀升。

簡單而言,樓價跌,若果所購單位沽售所得,仍不足以償還按揭額,就視為負資產,有多恐怖?分分鐘破產也!賓架朋友則話,收樓部門的員工相信現在未算特別忙,畢竟有一個演變期,首先經濟差,然後企業裁員,或者生意受影響,幫襯銀行做按揭買樓的人士仍有可能捱住先,試圖找尋挽救方法,希望繼續供下去,避免變無殼蝸牛,可惜樓價又跌,工作亦未有著落,屆時才被銀行收樓,故此粗略一計,相信幾個月後就有排忙了。

(11月26日刊於《am730》)

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