Wednesday, March 20, 2013

財爺撈過界


除了早前提及財政儲備繼續膨脹值得留意外,財爺份財政預算仍有值得關注的地方,分分鐘影響下一代生計,無他,他建議撥1億元成立海運及空運人才培訓基金,究竟年輕人會否從事行船等工作呢?

反而進一步拓展金融業,可能更合乎家長的心意。政府便計劃擴大資產管理行業,如建議私募基金亦享有離岸基金的稅務豁免安排,引入開放式投資公司形式,吸引更多傳統及對沖基金以香港為基地,又研究中港基金互認安排等,總之有內地這個大靠山便可盡情發揮,而這些基金若落戶香港,監管部門變相可參與監察他們的活動,一舉幾得。

至於較冷門的則有建議寬減專屬自保公司(Captive Insurer)離岸保險業務的利得稅,跟再保險公司的稅務優惠看齊。

所謂專屬自保公司主要是大型企業為自保以承保本身業務風險而所設,如航空、海運或鐵路企業等行業,投保有難度或費用高昂,索性開設該類公司自保,然後找再保險公司分擔,有助降低投保成本。

其實,97年以來的16年,專屬自保保險公司有多項寬免,如最低股本要求僅200萬元,比提供火險、水險等一般保險公司所需1,000萬元為少,更豁免在港維持資產應付賠償,而為應付可能出現的償付準備金水平,最高亦相等於股本,即使是年費也只有2.26萬元,比一般保險公司足足便宜了九成!如果要在內地成立保險公司,最低股本要求更達2億元人民幣,反映本港競爭力本身已經不弱。

不過,翻查稀有資料,發現僅有1家公司在香港成立專屬自保公司,就是中國海洋石油總公司屬下中海石油保險,場面相當冷清,由於成立支出非多,是次減稅的誘因能否提高競爭力也成疑,相信這些大企業並非單看稅務安排吧!

遠的不說,且看半政府機構的港鐵(066)旗下其實也有間專屬自保公司,名為Fasttrack Insurance Ltd,主要做保險包銷,而註冊股本高達7,750萬元,奈何註冊地點卻選擇了百慕達,不捧政府的場,恐怕該集團快些響應財爺的建議,或者談判調整票價可以有得加分。

政府「設計」這番心意,無非可令金融行業提供更多就業機會,特別是提供相關服務如會計、法律等專業人士,實行人人有工做,並非單一益大孖沙,但會否進一步傾斜金融業呢?

港交所(388)又話做期貨夜市,變相讓從業員又多一瓣,昨日更話要找不多於兩名流通量提供者,且看那間公司有興趣擴充業務。
特區政府板斧欠奉,最終也走回金融業,現在連財政司等也要兼營勞工及福利局的工作,真是辛苦晒!

(3月20日刊於《am730》)

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