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》)

9 Comments:

At 8:22 AM, Blogger oakleyses said...

air max, burberry outlet, true religion jeans, louboutin, louis vuitton outlet, louboutin, ray ban sunglasses, tiffany and co, coach outlet store online, oakley sunglasses cheap, christian louboutin shoes, longchamp outlet, louis vuitton, true religion jeans, tory burch outlet, kate spade outlet, kate spade handbags, oakley sunglasses, jordan shoes, polo ralph lauren outlet, louis vuitton outlet, louis vuitton handbags, coach outlet, prada outlet, ray ban sunglasses, chanel handbags, michael kors outlet, longchamp handbags, michael kors outlet, oakley sunglasses, nike shoes, air max, coach purses, michael kors outlet, longchamp handbags, louis vuitton outlet stores, nike free, prada handbags, coach factory outlet, gucci outlet, tiffany and co, louboutin outlet, michael kors outlet, polo ralph lauren outlet, michael kors outlet, burberry outlet, michael kors outlet

 
At 8:35 AM, Blogger oakleyses said...

marc jacobs, soccer shoes, abercrombie and fitch, hollister, asics running shoes, canada goose, ugg boots, nfl jerseys, reebok outlet, herve leger, ugg, north face outlet, mont blanc, longchamp, insanity workout, canada goose uk, chi flat iron, babyliss pro, ugg pas cher, ugg australia, canada goose jackets, mcm handbags, canada goose, wedding dresses, new balance shoes, mac cosmetics, soccer jerseys, celine handbags, birkin bag, p90x, ferragamo shoes, valentino shoes, nike huarache, beats by dre, ghd, instyler, jimmy choo outlet, lululemon outlet, bottega veneta, canada goose, rolex watches, canada goose outlet, vans shoes, nike roshe run, moncler, ugg boots, north face jackets, uggs outlet, giuseppe zanotti

 
At 10:28 AM, Blogger Unknown said...

shijun 6.24
burberry outlet
hermes belts
jordan 6s
official kate spade outlet online
timberland uk
louis vuitton outlet
polo ralph lauren
louboutin
michael kors outlet online
fitflops
jordan shoes
toms shoes
louis vuitton handbags
juicy couture handbags
coach outlet canada
michael kors
coach outlet
air max 2015
fendi outlet
ray ban glasses
louis vuitton handbags
jordan retro 8
white timberland boots
toms shoes outlet
abercrombie and fitch
coach factory outlet
oakley sunglasses discount
coach factory outlet
coach outlet store online
coach outlet
louis vuitton
louis vuitton handbags
jordan retro 3
air jordan 11
michael kors outlet
gucci outlet
michael kors outlet online
coach outlet store online
lebron 12
louis vuitton outlet

 
At 11:38 AM, Blogger Unknown said...

0812
nike sneakers
ugg boots, http://www.uggboot.com.co
oakley outlet
cheap ugg boots, http://www.cheapuggboots.net.co
nike running shoes
nike soccer shoes
mbt shoes outlet
baltimore ravens jerseys
nick foles jersey,eagles elite jersey
coach outlet
vans for sale
michael kors uk outlet
ralph lauren,ralph lauren uk,ralph lauren outlet,ralph lauren outlet online,polo ralph lauren outlet,ralph lauren polo
kyrie irving jersey
cheap oakley sunglasses
patrick kerney jersey,bobby wagner jersey,russell okung jersey,max unger jersey,paul richardson jersey,terrelle pryor jersey,richard sherman jersey,byron maxwell jersey,derrick coleman jersey,eric winston seahawks jersey
arthur jones jersey,deonte thompson jersey,courtney upshaw jersey,timmy jernigan jersey,jeromy miles jersey,haloti ngata jersey,joe flacco jersey,steve smith sr jersey
toms outlet
barcelona football shirts
ugg outlet, http://www.uggsoutlet.us.org
cheap oakley sunglasses, http://www.oakleysunglasseswholesale.in.net
ugg uk
yoga pants, http://www.yogapants.us.com
prada sneakers
coach outlet online
true religion jeans, http://www.truereligionjean.in.net
mont blanc pens
oakley sunglasses
ray ban sunglasses, http://www.raybansunglass.co.uk
the north face jackets
evening dresses
manchester united football shirts
chelsea football shirts
cheap nba jerseys

 
At 11:32 AM, Blogger Unknown said...

fitflops sale
prada outlet
michael kors outlet
ralph lauren polo
kobe 9
ralph lauren outlet
michael kors outlet
colts jerseys
ugg outlet
nike tn
20170818

 
At 12:58 PM, Blogger Unknown said...

timberland boots outlet
nike shoes
ugg boots
nike shoes for men
coach outlet store
coach outlet store
kate spade outlet
ugg outlet
ugg boots
adidas nmd
mt0203

 
At 2:52 PM, Blogger Unknown said...

www0523


coach outlet online
ugg boots clearance
fitflops shoes
canada goose outlet
longchamp outlet
moncler jackets
76ers jerseys
canada goose outlet
michael kors outlet
michael kors outlet

 
At 11:07 AM, Blogger 5689 said...

louboutin shoes
christian louboutin shoes
hugo boss sale
ralph lauren uk
michael kors outlet online
louboutin shoes
moncler online
ralph lauren outlet
pandora jewelry outlet
nike shoes for men
zzzzz2018.8.14

 
At 1:46 PM, Blogger 5689 said...

zzzzz2018.11.15
soccer shoes
coach outlet
adidas yeezy
reebok outlet
christian louboutin outlet
kate spade outlet
converse trainer
louboutin shoes
christian louboutin
ralph lauren polo

 

Post a Comment

<< Home