Wednesday, November 16, 2011

銀行過水浸腳

澳門政府又派錢,在2012年度向永久性居民派7,000元,而非永久性居民亦獲4,200元。在過去4年,澳門政府向每名永久性居民派錢總額已達2.6萬元,讓大家自行處理財富,但當中又有多少重新流回給賭場呢?

細看之下,原來崔特首在去年的施政報告只向永久性居民派4,000元,而非永久性居民獲2,400元。未知是否派得少,他於今年4月再追加派錢,最終永久性居民和非永久性居民分別合共收7,000元和4,200元,代表2012年度派錢總額與上年一樣,只是今趟一次過派而已。

禤中怡收到消息指,澳門政府有意收緊領取資格,現時只要在智能卡式澳門特別行政區居民身份證的背面顯示「永久性居民」或「非永久性居民」便有錢分,但未來可能再加居澳不足半年的便冇得分,未知是否只想惠澤在本地有貢獻的居民。

此外,澳門政府是次亦未有再調高就業居民免稅額,維持14.4萬元,故收入增多,日後交稅總額也上升。不過,如果民憤又起,這位坐擁外匯儲備達316.9億美元(約2,471億港元)的特首相信有足夠能力再派錢。

港澳齊齊有錢派,香港人應該開心,但與其授之以魚,不如授之以漁,大家倒不如想想如何提升競爭能力,比身邊朋友準備拿著6,000元,買相機鏡頭或新手機更有效益,因為這最多只會讓零售業旺一點而已。

朋友擁有港澳居民身份,兩邊派錢均受惠,但他大呻年邁母親為了拿香港政府所派的6,000元而折騰一番。原來香港政府要求他的媽媽回港拿支票,可惜母親行動不便,以為見財化水之際,終想出走去寶哥哥位於馬交的分行,開設一個港元支票戶口,將支票存入該銀行戶口,便可省卻舟車勞頓之苦,而最重要的是,銀行未有因此趁機收取額外費用。

不過,遠在加拿大的IT界朋友卻話,銀行懂得轉個圈賺錢,因為不少身處當地的香港人也想取得那6,000元,奈何純粹回港辦手續的話,真是得不償失。所以,早前獅子銀行也幫當地港人解決難題,只要開個港元戶口,便可收到該筆小財,但手續費盛惠200元,貨幣並非港元,而是加元!以近期匯率1加元兌約7.63港元計,豈不是1,526港元!扣除該筆費用,代表只能打個七五折收錢,認真肉赤,但相比親自動身的成本為低。如果想取足全額,只要開個高資產值戶口,存入一大筆錢兼鎖兩年時間,則免收該手續費,簡直是生意奇才。

當然,有錢賺自然有競爭,位於楓葉國卡加利(Calgary)市的中國銀行(3988)分行,向這個全國第三大華人社區的香港人只收取60加元手續費,即約458港元而已,佔所收6,000元的7.6%。若果客戶存入2萬加元(約15.2萬港元)作6個月定期存款的話,更可豁免該手續費。對銀行而言,確是進可攻、退可賺的大商機,只需做個中間人便有錢收,甚至可以做交叉銷售,而利錢的深度絕非僅過水濕腳,簡直是雙腳全浸!

(11月16日刊於《am730》)

16 Comments:

At 9:41 PM, Anonymous Ruby Lee said...

想問一下文中提及的朋友的媽媽擁有港澳居民身份,但卻可無須他媽媽受舟車勞頓之苦又可拿到$6000,可否詳述安排之過程?因為我亦有親人在澳門居住而又面對同樣問題,希望這個方法能夠幫到他。謝謝你!

 
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