2008年12月8日星期一

兩面不是人.....

特區政府終於做番輯好戲。

為咗幫助中小企,特區政府擴大特別貸款計劃,除咗上市公司外,所有公司都可以申請,每間公司貸款上限亦由一百萬加到六百萬。

聽過有中小企老闆訴苦,銀行「落雨收柴」已經到了極恐慌階層。有銀行甚至要求廠家,居然要為自己分LC買保險,而過去LC銀行一直都會接受作抵押用途!

因此今次信貸支援除了容許中小企可以商業透支及營運開支外,亦是支援作LC 擔保。

曾蔭權又話,政府會繼續各項大小工程,同加快招聘公務員,預計可以創造超過六萬個職位。

曾蔭權話,本港經濟喺出年出現負增長,睇黎係無可避免,市民要有心理,未來十二個月會相當困難,但佢相信到二零一二年,隨住市場回穩,香港經濟就會復甦。

好似樂觀左些少!(雖然我十分希望佢睇中!)

記唔記得,早些時候施老闆提過,希望政府可以要求銀行將一部分貸款、留作支持中小企,當日比人駡到狗彩,又話共產主義、又駡干預市場,結果匯豐已經帶頭響應,而家政府仲自己加馬到一千億。

施老闆我地撐你!

不過話分兩頭,如果按匯豐琴日的標準,又話要按商業條款定息率,又話審批條件會一如過往.....咁四十億呢個限額,其實有咩意思? 抑或當廣告費?

有個傳聞係政府高層同金管局對銀行收緊信貸很有意見,曾經傳召匯豐高層了解,如今大家做番場Show,但希望真係可以幫到中小企,否則年關又係難過。

不過可笑的是,企業不論大、中、小都可以受惠,反而是公司上了市,就不在支援行列。

作為上市公司老細真係兩面不是人,作為上市公司,而家市況不少工業估面值都低於一倍、市盈率兩、三倍大有人在,由於投資者無興趣、公司根本完全失去集資能力,到銀行借錢亦不見得會特別容易。而家連政府提供的僅有支援亦失去埋,唔知那些中小型上市老板,會否肉赤那每年成二十萬的上市費?

3 則留言:

匿名 說...

It is good to hear that the Government's initiatives to expand its support plan for SME up to HKD100 bio. But we have to be careful to ensure the funds are properly used as the plan involved many stake holders-Government, Banks, SME, Medium Corporation, Correspondent Banks, Factoring, Exporters,Importers, Domestic and foreign Export and Import Insurance Corporations that are so somplicated that required closed monitoring. I will not be surprised to see some stake holders might make use of this generosity to benefit themselves rather then simply for their genuine business, not to mention to help those SME employees and and those who are in real difficulties in running their business. I wonder how sophisticated is the Government that can monitor and control the usage of the funds. SC

大傻 說...

I think our government wouldn't monitor the usage of SME loans in detail. They will look at the utilization of total credit, how much was lent to each type of business, general loan purposes, average gearing ratio, average bad debt ratio, etc. However, they will not decide who will get the loans. The responsibility of filtering borrowers will be passed to lending banks. Government guarantees only 70% of loan amount. Banks have their own reasons to keep their 30% portion safe. Hopefully banks will do their jobs so that credit condition could be ease while loans would not be lent recklessly. I cannot agree with some legislative member’s suggestion to guarantee 100% loan amount. It will leads to moral risk. For banks could boost up their sales without considering credit risk. Borrowers could get free money from reckless lender. Insurer could underwrite policies with zero risk. Even worse, buyer and seller could “cooperate” to obtain free loans. Tax payer’s money should not be spent in this way. The guarantee portion must not be higher than 70%.

匿名 說...

That is what I said. The 70% guaranteed by Government can give rise to advantages of the extra interest spreads or the hidden benefit that can be earned by banks or other stake holders from these transactions only by assuming same level of risks. So, to safeguard the tax payer's money, extra layer of monitoring of Banks needs to be randomly checked.-SC