Thursday, August 06, 2009

Keyman保險

大市繼續開高收低,無法衝破21,000點後,掉頭從該位回落合共500點之多,而收市則跌301點,減幅1.4%,但內銀股跌得多,令國企股指數更挫2%至11,968點。再望望沽空金額,自上周回落至周一的26.9億元後,周二增至39.2億元,佔成交4.1%,而昨日更一步升至44.9億元,佔大市總成交比重亦升至5.3%,當中A50中國(2823)和渣打集團(2888)沽空額最多,各逾3億元,A50和渣打收市分別跌2.1%和1.8%,淡友開始發力。

見到信德集團(242)主席何鴻燊入院消息,連外國財經通訊社彭博(Bloomberg)都要報道,可見其地位顯赫,儘管在《福布斯》09年全球富豪排名榜中,他僅排名第701位,因為金融海嘯令其身家大縮水所致,但真正擁有的財富又有誰人知,而在澳門的政治影響力又怎容忽視呢!

禤中怡祝願他身體健康。事件卻引發另一個問題,企業領導人的身體狀況對公司本身的影響實也不小。信德集團股價自上周五的6.35元起,連跌3日,昨日再挫2.3%至5.74元後,已經足足蒸發9.6%,試問股東怎不關心。

同商界朋友談起,他說,管理高層負責公司策略方向,以至日常運作等都要參與,他們就像大腦般重要,故他曾從事的公司便規定,前線高層員工出外公幹時,選搭交通工具時絕不能隨便,其中一項就是所有高層禁止同坐一架飛機,原因很簡單,萬一出事,公司豈不群龍無首?屆時肯定陷入混亂狀態。朋友話,當時只在公司管財務,但也被列為不准搭同一班機的其中一人,心裡想,不知是否代表自己也算高層呢!

不過,記得盈進集團(1386)創辦人、主席兼行政總裁洪文藝於08年2月突然因急性疾病離世後,由其妻子接任,怎知於08年9月底中期業績便見紅,轉盈為虧,半年蝕5,746萬元,而今年3月底全年更蝕8,938萬元。該股昨日收報0.57元,而年初至今只累升18.7%而已,較恒指累升42%失色。

商界朋友便話,其實公司為保障有關影響,甚至會幫核心員工購買Keyman insurance,萬一身故有得賠,減少公司的損失,當然運作問題就只好先制訂應變計劃,且看喬布斯在蘋果(Apple)的情況便知。

對於Keyman insurance,禤中怡找資深保險界朋友問問,他說有些銷售員幫公司賺很多錢,故為了減輕有關員工突然身故對公司日後將少賺的利潤,故會為他買保險,性質類似壽險,賠償額或按其幫公司賺取的利潤作基礎。

而另一種是合夥人形式做生意,如A和B合作,需互為對方買保險,萬一A逝世,生意的股權將歸A的家屬所有,保險賠償額將用作向家屬收購有關股權,讓B擁有A的股權,避免生意落入外人手中,而這類保險較為複雜,兼且需要會計師簽名作實,但有助保障整盤生意可以繼繼營運下去,也算是風險管理策略之一。

(8月6日刊於《am730》)

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