Wednesday, February 25, 2009

今天表現是明天最低要求

美國金融股的無底深潭,已再一次震撼市場,但其實心中有數,否則財政部怎會要急於剝離毒資產呢?且看花旗集團(Citigroup)表明要政府上身,而美國國際集團(AIG)也撇極都有,反映毒資產豐厚,那些小小的注資(借貸連認購優先股其實已達1,500億美元,即約1.17萬億港元),實在是杯水車薪。可惜,宏利金融(945)就被傳也要供股,急挫12%,成交逾1.3億元,可見急於走貨,而滙豐控股(005)亦遭殃,重創近3%見53.65元。

禤中怡昨天隨即收到朋友來電,話銀行開出為期3個月的「超淡」滙控ELI(股票掛鈎投資)盤給散户認購。有幾淡?朋友話,單deal係睇3個月後,滙控股價會否跌多35%,以昨日收市價53.65元計,即是要見34.87元!

若果滙控股價守得住該價位,就本金加7.56%年息奉還,不幸跌穿34.87元,就以昨日收市價的80%接貨(即42.9元)。朋友目睹上周散户在逾60元築起血肉長城,仍敵不過無形之手,如今只要42.9元就買到滙控,照計輸不到幾多。不過,禤中怡忠告朋友,是否入市,始終要按個人的資本、風險承擔能力等衡量。

至於朋友分析過後,最終亦以最低入場費8萬大元,入了一手,至於滙控股價抵買與否,當然是要看3月2日,該集團公布的08年度業績才有分曉,禤中怡唯有引用隔離Wong Sir 嗰句:祝好運!

見到這種場面,多少可以反映一個事實,就是大家仍然有彈藥,可以繼續搏殺。儘管經濟衰退,股市又要向下,但銀行亦要適應這種場面,最重要是,絕不可放棄叫客戶參與投資,畢竟存貸業務的利潤有限,要繼續從非利息業務中找尋賺錢空間,但經金融海嘯一役,建議客戶入市就不太容易了。

不過,銀行曾聘用了大批負責投資產品銷售的員工,即使去年第四季已進行減磅工作,但始終不能採取「一刀切」方法裁員,奈何總會有些員工難以找到生意,那麼又可如何處理呢?有些銀行可能簡單點,利用部門調動的方法,讓銷售部員工派往不同地區上班,總之調動到他們自願投降為止。

另外,有銀行就想出一條絕橋,就是要求前線銷售員工在未能達到銷售目標,就要求員工簽一份稱為「改善業績」的文件,明確承諾銷售金額要改善至何等水平,以及達標具體時間表。

有員工考慮到日後若業績真的不能改善,公司就會「劃花」其檔案,以後轉工到其他銀行時,難保在回答新僱主查詢時,需將過去未能達標的紀錄和盤托出,試問其他銀行的人事部頭頭得悉真面目,會有甚麼意見呢?

故此,很多員工就索性知難而退,寧願自然流失(辭職),也不願簽下甚麽「改善業績」的文件。當然,你真的改善了業績又如何,有句說話叫「今天的表現是明天最低的要求」明白未?!要你消失,總是有辦法的。

(2月25日刊於《am730》)

9 Comments:

At 12:50 PM, Blogger Bittermelon said...

銀行裁員的方法真是無所不用其極,唯有祝從事銀行工作的員工好運.不過聽說在香港的大陸銀行正在擴張,例如建行,聽說會在今年開設多家分行,不知對被裁或被迫自己辭職的員工是否好事?

 
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