2008年12月18日星期四

把幾火

伯南克今次真係威番次,減息幅度最多達一厘,不過本港銀行又無跟隨美國減息!

真係佛都有火!!!

其實任總今朝都開到聲,話希望銀行可以喺寬鬆環境下,以行動支持經濟。

不過銀行就唔肯聽話!

因此任總今次變招! 金管局下晝總共七次向銀行體系注資,其中有六次係喺匯豐決定唔減後進行嘅!

以單日注資次數,同結餘水平都破曬記錄,三個月拆息亦回落到三年幾低位。

最令人惱火係帶頭唔減息嘅匯豐王冬勝,佢話依家減息會對銀行息差有壓力,但又未必可以幫到經濟,嚟緊係咪減,
出年先再諗!

佢大哥仲要以員工做威脅,話匯豐作為政府以外最大僱主,減息對員工未必係好事!

頂!

減息無幫助???減得一百得一百,如果你咁唔緊啲息,你試下減夠一厘息,睇下有無幫助?

存款利率雖然係跌左0.01厘,幾間銀行都話,存款利率太低,限制左佢地減息。

翻查記錄,匯豐零四年紅薄仔存款利率曾經低至0.001厘。

到底銀行成本係咪真係貴﹖咁逐樣同佢計。

中小銀行最依賴嘅主要成本﹕三個月拆息,四年最低。

而大銀行資金來源﹕定期存款,利率開支近零,佢地自己都話,低無可低啦。

以優惠利率計,而家賺緊五厘,以大銀行計,即係話淨息差有4.99厘。

再睇埋銀行按揭業務,由於之前多次加新造按揭利率,依家新造按揭利率,同優惠利率之間嘅息差有接近三厘。

全球減息大行動以嚟,香港減幅一直落後,今次索性再唔減,我地街頭訪問市民,個個都話銀行無誠意。

成本細左,按揭息差無跌,有學者批評,銀行仲唔減息係罔顧社會責任。

我地決定一於日日繼續駡銀行,提醒佢地仲欠我地足足差左兩厘息差!

等著瞧!

5 則留言:

711 說...

陰謀論講,迷債事件政府要銀行硬食,啲Banker今次咪唔聽你枝笛囉.

匿名 說...

good!i agreed.

匿名 說...

我地決定一於日日繼續駡銀行,提醒佢地仲欠我地足足差左兩厘息差!

好!好!好!

匿名 說...

It's totally unacceptable! Come on, if the banks only want to maintain their high profit, then please don't use this beautiful excuse! They may still lower their mortgage rate, even only 0.25% would be helpful to the economy, at least which can show their sincerity to HK ppl in this difficult moment.

匿名 說...

I agree it is not the way the Banks should conduct their business. If they have troubles, they to HKMA to seek for help. When we are in trouble, they just sit on the sidelines. They open their umbrella when we have sunshines and they close it when it pours.
You know commercial banks are not charities, the mangement does not border if you are surviving or not, what they care is their bottom line and the security of the jobs. Let the worry falls on the shoulder of the Government. -SC