Tuesday, February 01, 2011

大笨象搶人仔有計

港股面對1月先升後回的環境,埋單計數,恒生指數上漲1.7%,而國企股指數則錄得1%的跌幅,表現參差。至於內地股市亦表現麻麻,上證綜合指數於上月跌0.6%,而深圳成分指數更累挫3.7%,實在有欠說服力。

誠然,中央政府出連環拳,如「國八條」調控樓市,加上加息陰霾不散,對樓市的確缺乏利好因素,在未來一年,若果真的要讓樓市軟著陸,以符合調控樓市的國策,當然還要趕資金離開樓市,特別是炒賣的資金,如這些資金要找出路的話,會否掉頭從樓市轉向股市,從而帶來股市推動作用呢?

除了轉炒內地股市,香港股市也可分杯羹,證券商亦積極拉攏內地投資者來港開戶口,希望他們把人仔搬過來,買賣港股,故在內地建立關係十分重要。在中資背景的證券行打工的朋友便話,在總公司號召下,趁農曆新年來臨前,先返內地跑一趟,與總公司同事和客戶見面,時間緊迫,匆匆數天行程排得密麻麻,廣州、上海再加北京屬閒事,認真忙碌,希望吸引更多資金買港股。

禤中怡同另一間華資證券商拜個早年,佢亦話幸好搭上一些內地客戶幫襯,生意算不俗,但證監會似乎對這些大客相當著緊,只要見到投資者的地址是於內地,立即問東問西,笑指證明他們無事忙。

不過,他亦承認,內地客雖多,但競爭仍激烈。證監會數據顯示,聯交所的持牌法團數目,自06年起連升4年,從408間增至431間,而持牌代表人數於去年更突破至逾1.1萬人,連升數年,朋友話,華資行數目漸少,但內地資金隨便拋億億聲做註冊資本,便可開檔做生意,可能是牌照數目不跌反升的原因。

禤中怡亦發現銀行搶人仔力度不弱,像大笨象滙豐控股(005)剛由昨日起,調整本港個人理財客戶的銀行服務收費,原來以為是面對通脹,而加入調高收費行列,料不到竟是大部分費用均維持不變外,還有減費項目,就是向人民幣現鈔埋手,每個戶口單日存款1.2萬元或以下交易,過去要收15元人民幣費用,超過該金額的更需收取存款額的0.125%,假設存入5萬元人民幣的話,銀行便要收62.5元人民幣,雖然金額並非大,但所謂小數怕長計,故該行索性將這項服務收費,一律改為全部豁免收費,用以提升吸納人民幣的競爭能力。

其實,金管局統計已顯示,上月人民幣存款比去年11月增加12.6%,相反,所有存款總額雖然較去年11月微升0.2%,但當中港元存款總額減少0.5%,儘管人民幣存款基數低,錄雙位數增長絕不稀奇,最重要是銀行能夠藉吸納人仔存款,帶來業務增長空間,日後自然有更多交叉銷售的機會,並可趁勢擴大客群,再搶公公婆婆的港元定存已成過去。

明天是年初一,禤中怡預祝大家身體健康,生活愉快。

(於2月2日刊於《am730》)

8 Comments:

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