Tuesday, June 23, 2009

內銀加費開綠燈

見到曾特首又出招,其中預留地皮供發展專上及高等教育,可能用低價土地,供發展有關業務。或許特首見到專攻海外留學生這盤生意夠大,可以作為發展經濟的手段之一。以澳洲為例,海外留學生市場規模高達155億澳元(約954億港元),而08年底,英國文化協會料於英國就讀的海外留學生達51.3萬名,貼近美國的62.3萬名,而這些留學生估計可以為英國經濟帶來高達60億英鎊(約764億港元)的進帳,最重要的是,內地留學生佔10.7%比重,如果分流來香港,肯定對經濟提供利好因素。

可惜,政府在另一邊廂卻不停殺校,又不願發展小班教育,只懂發展高等教育,政策完全傾斜。其實,由細開始培養本地人才,方可為經濟打好基礎,但今日的混亂教育制度,能夠把人才培養出來,談何容易!

至於港股繼續玩過山車,全靠內銀股支撐指數,恒指上周合共累跌逾900點後,昨日則重越18,000點,兼且一口氣衝上18,300點方見喘定,淡友被殺個措手不及,豈知午後大市走樣,並且顯著向下,差不多蒸發所有漲幅,收市仍能升138點至18,059點,但後市似乎有隱憂,特別是成交額續降至626.8億元,扣除兩隻新股貢獻逾16億元,實際成交應更少,恐怕走貨後,大家要等回氣了。

建設銀行(939)旗下間本港業務旗艦中國建設銀行(亞洲)準備於7月2日起,調高工商銀行服務費用,如擔保提貨、進口發票貼現手續費和出口相關服務的費用等,每次最低收費將收350元,比舊價加16.6%,幅度認真不小,碰上出口差,生意已難做,恐怕廠家想找人幫手共度時艱都很困難。但該行卻同時又將證券買賣服務多項收費往下調整,如最低佣金費用由125元降至100元,足足大減兩成,而處理實物股票交收服務更索性免費,其經營策略之轉變,可見一斑。

工商銀行(1398)亦準備調整內地23項個人金融業務的收費標準,其中20項屬加價,平均漲幅更愈1倍,涉及在海外匯款、在海外用自動櫃員機存取款項等,而客戶開立個人存款證明,手續費由原來每份20元人民幣,大增1.5倍至50元人民幣。雖然無明確執行時間表,但工商銀行加費事在必行,拓展非利息收入之心人盡皆知,相信其他內銀股隨後加費機會濃,反正龍頭已經採取行動,相信內地政府早開綠燈。由於近期內銀股吃香,一時話炒落後,一時話股份大量湧出機會降,加上4萬億元人民幣刺激經濟措施陸續展開,放水貸款肯定大增,但內銀股仍需面對彌補息差收窄的影響,故能夠加價的話,市場憧憬後市續向好。

交通銀行(3328)昨日股價漲4.8%至7.8元,表現最突出,莫非首季已升17%的非利息收入有望跟隨加費而進一步造好?

題外話,財政部話下月1日起調低甚至取消部分產品出口關稅,涉及小麥、大米外,還有化肥等,亦會將尿素出口關稅時段調整,實行谷出口,且看市場今日怎樣在這些糧食股、化肥股等尋寶了。

(6月23日刊於《am730》)

10 Comments:

At 1:58 AM, Blogger Hoito said...

政府想將香港變成亞洲的教育中心有點癡心妄想,充其量只能夠成為內地的教育中心。對內地人而言,香港學位尚算有吸引力(大學教席對海歸大陸人來說也同樣吸引);對亞洲人而言,香港學位就及不上澳洲。連香港多間院校都要引入澳洲的教學方法和管理模式(其實絕大多數的澳洲大學都沒有採用),就可見香港高等教育的無能。

 
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