tag:blogger.com,1999:blog-67459599362825348812024-03-19T16:47:01.573+08:00思言財雋 Financier Conscience滙聚金融財經界志同道合的同業友好,凝聚業界聲音,致力提高金融界對公共事務的意識及參與,監察政府並推動香港民主政制。
Gather the voice of fellow finance professionals in monitoring the government and promoting democracy in Hong Kong. We strive to raise the finance industry's awareness of, and participation in, public affairs, and make our voice heard through our functional constituency representatives in the Legislative Council. 思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.comBlogger110125tag:blogger.com,1999:blog-6745959936282534881.post-60241877104783143742017-03-12T12:14:00.002+08:002017-03-12T12:14:10.485+08:00如果我係候選人 — 修補撕裂篇<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Y_3VTJzgA9seYnf_pn9icZM90qaql6s4y5CEp5cqlHWx-68TbMAk-uSYaeDSBHd0v7kZ1nWCGjP9r1i8fKVfGhyRdDIT-acmocVoV6-PEVUn8f46C1N0TpQVtwMo0mX0oUoD4j57Aok/s1600/17155526_1463166153728631_78073328184444421_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Y_3VTJzgA9seYnf_pn9icZM90qaql6s4y5CEp5cqlHWx-68TbMAk-uSYaeDSBHd0v7kZ1nWCGjP9r1i8fKVfGhyRdDIT-acmocVoV6-PEVUn8f46C1N0TpQVtwMo0mX0oUoD4j57Aok/s640/17155526_1463166153728631_78073328184444421_n.jpg" width="640" /></a></div>
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我們早前聯同<a class="profileLink" data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=836637239730993" href="https://www.facebook.com/%E7%B2%BE%E7%AE%97%E6%80%9D%E6%94%BF-Act-Voice-836637239730993/" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">精算思政 Act Voice</a> 及 <a class="profileLink" data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=475458155963208" href="https://www.facebook.com/InsuranceARISE/" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">保險起動 Insurance ARISE</a>向四位特首參選人發出公開信,就十個我們認為現時香港最迫切面對的問題,向他們發出提問,希望他們明白及關心社會各階層之需要,並向公眾清楚解䆁他們對各項挑戰的立場及解決方法。<br />(原文刊於 <a href="https://www.facebook.com/financierconscience/posts/1442341199144460:0" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">https://www.facebook.com/financierconscience/posts/1442341199144460:0</a> )</div>
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很可惜,我們只收到一位參選人辦公室的回覆,例行公事式建議我們可自行前往他們的選舉網頁,參考已發表的政綱。但相比其餘三位參選人團隊的不聞不問,已算比上不足,比下有餘。既然各參選人都不願/不屑/不能評論,我們嘗試為他們解答:</div>
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<span style="color: #666666;">1)過去四年半香港出現嚴重的社會撕裂,其中一個主因是源於「人大831」政改框架之爭拗。在831框架短期不能改變下,那麼閣下有甚麼實質的對策能修補社會之分歧及矛盾呢? 閣下對重啓政改有甚麼方法?</span></h3>
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答:我們不認為社會撕裂的發生是基於任何單一原因,而是多方面的社會矛盾,在長期民意/民怨/民憤得不到有效疏導舒緩下造成。政改及人大831方案只不過是最終的導火線,令問題「爆煲」。</h4>
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一)重啟政改 — 近兩年坊間有大量評論文章,不贅。</div>
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二)有效反映民意 — 傳統泛民/非建制在各項民調以至立法會選舉穩佔人口比例五成半至六成,實為主流民意。可是在各級議會選舉,議會架構,法定團體及各類諮詢組織均未能有效反映該比例及其所代表市民之意願。近年特區政府更每況愈下,安插具相同政見之支持者於各機構團體,企圖淹沒主流民意聲音。新一屆政府務須有勇氣面對廣大市民之訴求,否則無法突破現時之困境。</div>
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三)撥亂反正,停止製造民意 — 近年中港政府銳意開闢輿論陣線,有為數不少的前高官、建制議員及知名人士、左派報章、愛字頭組織肆意發表黑白不分、指鹿為馬、是非顛倒之言論。在傳統傳媒廣泛報道之後,說了千遍之謊言慢慢變成真話。有一部分不明所以之市民開始接受該等言論,由最初與主流民意背道而馳,逐漸變成一股幫助政府搖旗呐喊的勢力,造成今天社會撕裂的局面。言論自由是香港其中一個主要的核心價值;縱使政見不同,但只要言論是自發的我們必須捍衛。可是如有人或組織為一己私利(甚或維穩費)而發表不盡不實之言論及行動,該等行徑必須被譴責及立即停止。</div>
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四)修補警民關係 — 近年在一些人士刻意經營下,警方被放到與市民的對立面上。有部分前線警員不分青紅皂白,視所有(包括和平)示威者為暴徒;亦有市民仇視執法人員。警務處窮四十年之力,努力經營的警察形象及友好警民關係蕩然無存,這是很壞的情況。在有足夠證據下,律政司應盡快起訴在雨傘運動中涉嫌違法之人士以及不合法執行職務之警務人員,容許法院獨立審理及裁決各案件。我們希望這建議能讓雙方都覺得公義得以彰顯,並為雨傘運動之刑責問題畫上句號,好等香港社會可以重新出發。</div>
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五)重新檢視中港關係 — 由水貨客、自由行、東江水、每日一百五十個單程證之配額及審批權、內地資金湧入香港製造泡沫,以至宏觀【一國兩制】的執行,每一樣都對中港關係有着直接影響。回歸二十年,現在是適當的時機為各項政策進行全面檢討及調整。我們期望新一屆政府有勇氣取消向內地傾斜同時不利香港市民的施政,令中港磨擦減至最低。</div>
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六)減低貧富懸殊 — 近年樓宇、租金及起居飲食價格不斷飆升,但工資卻沒有多大升幅,令貧富懸殊加劇。大量的內地資金湧入,亦令社會上貧者越貧,富者越富;中產亦出現向下流的情況。下一屆政府必須由大量興建公營房屋開始(詳情將會於我們稍後發表之文章提出),解決住屋需求應能有效減少其他問題。我們亦期望政府能全面檢討現時之街市政策,為市民及商販在「領展」外提供一個價格相宜的另類選擇。</div>
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除卻以上各點,香港的人口及經濟發展、城市規劃、安老及醫療政策、教育制度等均為今天香港很多問題的爭拗點,社會必須多加討論以達至共識。我們將於日內發表其他文章,讓我們對下一任特首施政願境與各界分享。</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-26936355004949194882017-03-09T12:07:00.000+08:002017-03-12T12:09:16.653+08:00深圳兩年內超越香港 ?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8Pkyj6gsPDp5HSm3Ly8E4eOnPm8b-ZBveiWyu3mr1JH6lCVO488_jqZ4HYzazuWptN047KbZSAdmeRvXyyso2PGft1C0JGHW10Fya_1BvtlkK3-YtSe_A3B2Zt7TZRr4ZkGStpJgeX9I/s1600/17190976_1465284220183491_8066962663087050716_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8Pkyj6gsPDp5HSm3Ly8E4eOnPm8b-ZBveiWyu3mr1JH6lCVO488_jqZ4HYzazuWptN047KbZSAdmeRvXyyso2PGft1C0JGHW10Fya_1BvtlkK3-YtSe_A3B2Zt7TZRr4ZkGStpJgeX9I/s640/17190976_1465284220183491_8066962663087050716_n.jpg" width="640" /></a></div>
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<span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">以下是我們組員欣賞今屆香港藝術節現代舞後的觀後感,希</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">望與大家分享一下:</span><br />
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<span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">「第一次睇,震撼。《春之祭》完的一</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">刹那,我多麼希望大家不要鼓掌,讓觀眾沉澱,然後靜靜的</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">散去。結果當然沒有如我所願,而是 standing ovation 啦!能夠經常請到 Tanztheater Wuppertal Pina Bausch 來香港表演,本身就是極強的軟實力,令香港比其他亞洲地</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">方(日本除外)優勝和吸引。我不能想像有任何大陸城市有</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">此能耐!」</span></h3>
<br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E9%87%8D%E9%BB%9E%E5%9C%A8%E5%BE%8C%E5%8D%8A%E6%AE%B5" style="background-color: white; color: #365899; cursor: pointer; font-family: Helvetica, Arial, sans-serif; font-size: 14px; text-decoration: none;">#重點在後半段</a><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E9%A6%99%E6%B8%AF%E8%BB%9F%E5%AF%A6%E5%8A%9B" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#香港軟實力</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E4%B8%8D%E8%A6%81%E5%A6%84%E8%87%AA%E8%8F%B2%E8%96%84" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#不要妄自菲薄</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E5%BC%B5%E5%BE%B7%E6%B1%9F%E4%BF%82%E5%94%94%E6%9C%83%E6%98%8E%E3%97%8E%E5%95%A6" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#張德江係唔會明㗎啦</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E4%B8%96%E7%95%8C%E7%AC%AC%E4%B8%80%E4%B8%AD%E5%9C%8B%E7%AC%AC%E4%BA%8C" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#世界第一中國第二</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E5%94%94%E5%A5%BD%E4%BF%BE%E4%BA%BA%E7%9D%87%E6%AD%BB" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#唔好俾人睇死</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E4%B8%8D%E9%81%8E%E9%83%BD%E5%94%94%E5%8F%AF%E4%BB%A5%E9%BD%8B%E9%A3%9F%E8%80%81%E6%9C%AC" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#不過都唔可以齋食老本</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E9%A6%99%E6%B8%AF%E4%BA%BA%E9%9C%80%E8%A6%81%E8%87%AA%E5%BC%B7%E4%B8%8D%E6%81%AF" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#香港人需要自強不息</a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/%E5%B0%B1%E8%AE%93%E6%88%91%E5%80%91%E9%9B%A2%E5%9C%B0%E4%B8%80%E6%AC%A1" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">#就讓我們離地一次</a></span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-72545137156684156962017-03-03T12:05:00.000+08:002017-03-12T12:07:21.581+08:00香港人不會忘記<div class="separator" style="clear: both; text-align: center;">
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有一班人,是業界翹楚,但卻毫無自由意志,未見候選人公開政綱,便乖乖的奉上提名票。</h2>
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<br />有一班人,跑出來要當業界代表,但卻從不諮詢業界,從來不關心廣大從業員的意見。</h2>
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你們做的事,不要以為沒有人關注。</div>
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香港人,會記住你們的。</div>
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金融界(15/18):<br />黃漢興 鄭松岩 陳智文 陳鳳翔 高美懿(梁高美懿) 謝小玲 傅劍 李民橋 郭錫志 葉德銓 馬陳志 楊恩慈 朱丹璠 馬清煜 孔令成</div>
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金融服務界(16/18):<br />蔡思聰 鄧聲興 李君豪 楊玳詩 謝湧海 張德熙 馮煒能 李惟宏 李月華(朱李月華) 陳銘潤 李耀新 張為國 李細燕 李佐雄 閻峰 余維強</div>
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保險界(12/18):<br />陳炎光 朱永耀 尹志德 伍榮發 蔡中虎 王覺豪 陳沛良 黃貴泉 老建榮 鄭國屏 管胡金愛 朱泰和</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-91024867587271203702017-02-25T12:03:00.000+08:002017-03-12T12:09:55.555+08:00強烈質疑<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
對於有報導指財政司司長陳茂波在任期只有四個月之始使用二百萬裝修其官邸,思言財雋對此表達強烈質疑。作為一個主理香港公共財政的官員,陳司長不單沒有在財政預算案回應市民關心的眾多議題,更胡亂花費公帑裝修只短期入住的大宅!</div>
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陳司長表示會在稍後公佈裝修金額,但如報導中二百萬公帑所言屬實又是一個怎樣的概念?二百萬元等於約780個長者一個月的長者生活津貼($2,565)的總和、亦是一個領取最低工資($34.5)的工人不停工作17年的收入(以每日工作9小時計)。如果陳司長所言「裝修是因為要代表香港接待客人」真的站得住腳,那假設他從今日起每個工作日平均接待一個賓客,每次接待便要花費22,000元公帑(共90個工作日)。</div>
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我們認為陳司長的裝修安排極不合理,理據亦站不住腳。難道曾俊華前司長任內官邸沒有裝修就不能接待外賓嗎?而且陳司長亦明言自己不知道能否在下屆政府留任,若官邸真的需要維修不是留給下任財政司司長更為適合嗎?</div>
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思言財雋認為此事再次突顯一個沒有民意授權的政府不需要向市民負責,亦證明陳司長沒有足夠智慧管理好香港的公共財政,並對陳司長的決定表示強烈質疑!</h3>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-51533045542709103802017-02-24T11:59:00.000+08:002017-03-12T12:03:14.017+08:00向金融界、金融服務界及保險界行政長官選舉委員會選委發出了以下五項問題<div class="separator" style="clear: both; text-align: center;">
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致香港特別行政區<br /> 金融界、金融服務界及保險界功能組別選委</div>
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茲啟者:</div>
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恭喜閣下成為2017 年香港特別行政區行政長官選舉委員,我們期望閣下能代表業界選出合香港人的特首。</div>
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我們三個組織是一群關心香港政治的業界從業員,對於即將舉行的特首選舉我們希望向閣下請教以下問題:</div>
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1) 閣下認為適合香港人的特首應具備哪些條件?</blockquote>
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2)請問閣下如何諮詢自身界別從業員的意見?閣下會否約見各特首候選人,如實反映業界及市民所關注之議題?請問閣下對何類議題最為關心?</blockquote>
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3)金融界、金融服務界及保險界為公司票。請問閣下投票時將會按個人意願還是跟隨公司決策?</blockquote>
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4)如按公司決策,過程是怎樣決定?如何從公司裏取得共識?決策人是否全部為香港特區永久性居民?</blockquote>
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5)閣下會否與其他業界選委綑綁提名及投票?如贊成,請問背後的支持理據為何?</blockquote>
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誠盼賜覆。</div>
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敬候鈞安</div>
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精算思政<br />思言財雋<br />保險起動</div>
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To: Election Committee members Finance, Financial Services, and Insurance functional constituencies Hong Kong Special Administrative Region</div>
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Dear Sir/Madam, Congratulations for being elected as members of the 2017 HKSAR Chief Executive Election Committee. We trust that you will select the right person as the Chief Executive of Hong Kong on behalf of your constituents.</div>
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We are practitioners from the finance, actuary, and insurance industries, who are concerned about the political situation in Hong Kong. As such we would like to enquire about your position in relation to the upcoming Chief Executive election:</div>
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1) What are the necessary requirements do you think the right CE for Hong Kong should have?</blockquote>
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2) How do you plan to consult the people working in your own industry? Will you meet with various CE candidates to convey the views of your constituents as well as the general<span style="background-color: transparent;"> </span></blockquote>
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public? What kind of issues are you most concerned about?</blockquote>
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3) The Finance, Financial Services, and Insurance constituencies consist only of corporate votes. Will you vote according to your own will or that of your company?</blockquote>
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4) If the voting is based on the decision of your company, what is the decision process? How is the consensus reached within the company? Are all decision-makers permanent residents of the HKSAR?</blockquote>
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5) Will you bundle your nominating and voting decisions with your fellow Election Committee members from the same sector? If yes, what is the rationale behind it?</blockquote>
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We look forward to hearing back from you soon.</div>
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Best regards,</div>
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Act Voice<br />Financier Conscience<br />Insurance ARISE</div>
思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-20567986512096410852017-02-23T08:03:00.001+08:002017-02-23T08:03:07.077+08:002017-18年度財政預算案 - 看守政府、只求合格<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3g2HJLHOaNSxYuhJZnu8W3Z7ngGhhhzCo7VTAFe9zPopAmPwgAHXhE6iqZFHpqnIFgvJyMOnNpAZ8lGFTHD_p0PPPhcjL-MFwtmQBVlXPut2R7hOh3hpPJ0VcdWbYaz2D8zYfrWoHQJE/s1600/2017-budget-outline.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="478" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3g2HJLHOaNSxYuhJZnu8W3Z7ngGhhhzCo7VTAFe9zPopAmPwgAHXhE6iqZFHpqnIFgvJyMOnNpAZ8lGFTHD_p0PPPhcjL-MFwtmQBVlXPut2R7hOh3hpPJ0VcdWbYaz2D8zYfrWoHQJE/s640/2017-budget-outline.jpg" width="640" /></a></div>
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財政司司長陳茂波在2月22日為現屆政府發表了最後一份財政預算案。今年的預算案,跟往年最不同的地方不是它有何創新突出之處,而是社會大眾對這份預算案一早已沒有期望。現屆政府只剩下最後5個月時間,以一個「看守」政府來說,它能夠做到的亦只望維持平穩過渡,不做有爭議性的事情就足夠了。</div>
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在金融方面,一些具體措施其實只是重覆上一個財政年度的工作,例如發行第二批銀色債券,但對推動香港債券市場發展仍然是杯水車薪、乏善足陳。對於推動綠色金融已不是新事物,政府在此項的步伐著實需要加快,不能只說空話。在推動基金業發展方面,預算案提到把利得稅豁免的範圍擴至在岸以私人形式發售的開放式基金型公司 (onshore privately-offered open-ended fund companies), 以吸引基金來港註册。現時大量基金已在世界上其他有免税優惠的地方註册,如開曼羣島、英屬處女島等。此建議究竟有多少功效實在存疑。其他的建議措施如財庫局年中將就加強打擊洗黑錢立法修訂提交立法會、推動上市實體核數師監管制度改革<span class="text_exposed_show" style="display: inline; font-family: inherit;">的工作,以及證監會與港交所建議改善上市决策及管治架構等等,大都是正在進行的工作,預算案就像做了個概要報告罷了。</span></div>
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值得一讚的是今年預算案中提及「香港作為國際金融中心,聯通的市場並不限於内地」,而不只是重覆講述如何擴大人民幣業務及與内地市場互通。我們在以往一直詬病政府只著重香港商貿金融經濟與内地融合,一切發展只管與内地掛鈎。今次能提出繼與瑞士之後,證監會將會與其他地區商討本港私募基金能否在其他市場直銷,擴大對海外金融市場的發展,我們對此點是非常歡迎的!</div>
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預算案中亦有提到金融科技的發展,例如金管局正在建立的「快速支付系統」,以及加強生物科技在日常金融的運作及網絡安全的發展等。對下一任政府會否及如何執行,我們都拭目以待。</div>
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至於其他大範圍的紓困措施,現屆政府亦只有承接上幾年的做法,不過不失地繼續推行。我們只是奇怪,上個財政年度既然有港幣九百二十八億元盈餘,那政府絕對有能力加入多些紓困措施,如除了增加供養兄弟姊妹免税額外,亦可同時提高供養父母及子女的免稅額,但今次預算案卻沒有囊括,在這方面仍然是較保守的。 政府經常說香港的税基太狹窄,太倚賴賣地及利得税收入,政府因而不能「大灑金錢」。但在擴闊稅基、改革税制方面,預算案只提到在財經事務及庫務局成立税務政策組去審視税制。究竟應如何著手改革稅制,穩固財政收入,看來又是交給下屆政府解决了。</div>
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<b>總括來說,今次預算案似是個只追求合格的「功課」,在其他房屋、教育、社會福利等各方面作一個概要陳述,但對於社會上有重大關注的議題如全民退休保障計劃等卻隻字不提,只是「派下糖」安撫一下民心就算了。這實在令市民對這個「看守政府」更為心淡。</b></h2>
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陳茂波只是剛剛接任「財爺」一職個多月,他究竟對香港這個金融中心的財經事務有多理解呢? 當他在宣讀預算案時意外地觸動了其放在檯面上iPhone內置Siri發聲功能,他不知所措地說:「對唔住,我唔知發生咩事!」。這句可能是他任「財爺」的真正心聲! 他的這份財政預算案充其量亦只能承接曾俊華離職前的方向而行,難有重大突破。正如他在預算案結尾所說,「花錢是藝術」。</div>
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<b>我們期待下任特首及其政府能學懂這個花錢的藝術,好好的運用港幣九千多億元的財政儲備,減輕市民的負擔及怨氣。亦請各官員不要再事事都諉過於人,把施政困難遷怒於立法會議員之「拉布」行動,真正能反思缺失,做個以香港人利益作出發點,紓解社會對立及撕裂的政府。</b></blockquote>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-56557195768169088332017-02-18T09:30:00.000+08:002017-02-22T22:49:41.707+08:00瑞信與盧偉聰<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">環球金融機構在2008年金融海嘯期間「傷亡枕藉」,損</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">失數以百億美元計。當時大型銀行瑞信(Credit Suisse)有一位員工名叫薩拉傑丁(Kareem Serageldin),此君聰明絕頂,而且對數字非常</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">敏感,因此在三十多歲已被委任為結構產品環球主管,並單</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">單在2007年已為瑞信帶來13億美元收入。奈何好景不</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">常,金融海嘯湧至令薩拉傑丁的部門蒙受巨大損失,此君為</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">力保業績選擇了鋋而走險,向瑞信隱瞞近一億美元損失。後</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">來東窗事發,美國司法部門在2013年判薩拉傑丁入獄二</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">年半。</span><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">錯了便是錯了,薩拉傑丁當時坦言自己犯下大錯並甘心被罰</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">。而瑞信亦配合執法部門調查,一早解僱了薩拉傑丁之餘,</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">更取消了在海嘯前發給他的獎金。此外,瑞信在薩拉傑丁被</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">判刑後並無發表意見,只引述了美國證監會指其一直配合調</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">查。</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"><br /><br /><span style="font-family: inherit;">試想像,如果時任瑞信行政總裁Brady Dougan對薩拉傑丁判刑表示心情非常沉重和複雜,並</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">批准瑞信員工在公司內為他進行籌款以示支持,你認為這是</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">尊重司法和合理,還是不分是非和荒謬的事?我想如果瑞信</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">行政總裁真的如此護短,不單是不分是非,甚至是用行動抗</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">議法院對事件的裁決。因為如果瑞信認為薩拉傑丁在事件中</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">有犯錯,就只有真誠接受法院裁決,並積極進行內部改革,</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>避免同類事件再發生。<br /><br /><span style="font-family: inherit;">可惜在今日的香港,如此荒謬的事卻發生在警務處處長盧偉</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">聰身上。他至今不單沒有就「七警」事件道歉,更對「七警</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">」被判刑表示心情非常沉重和複雜,並批准警隊職員協會進</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">行內部籌款以支援涉案警員及其家人。既無道歉、亦無改過</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">措施,更以行動合理化涉案警員的行為,荒謬之極,無與倫</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>比。<br /></span><br />
<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;"><b><span style="font-family: inherit;">一個以利當頭的商業機構瑞信尚且要在員工犯法時配合調查</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">、積極改善,何解以維護法紀為己任的警務處處長可以如此</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>護短,用行動暗暗抗議法院的裁決?</b></span><br />
思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-47615133387772119212017-02-14T09:30:00.000+08:002017-02-22T22:46:36.954+08:00致第五屆香港特別行政區行政長官競選參選人之公開信<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">思言財雋、精算思政、保險起動今天聯署向四位特首參選人</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">發出了公開信,就十個金融、精算及保險從業員關注的領域</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">上發出提問。我們冀望各參選人能儘快認真答覆。全文如下</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">:</span><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">******</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"><br /><br />致第五屆香港特別行政區行政長官競選參選人<br />葉劉淑儀女士<br />林鄭月娥女士<br />曾俊華先生<br />胡國興先生<br />(排名不分先後)<br /><br /><span style="font-family: inherit;">新一屆特區行政長官選舉即將舉行。縱使現時行政長官實則</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">上只由1,194人選委小圈子產生,但我們希望閣下能明</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">白及關心社會各階層之需要,並向公眾解釋閣下對香港現時</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>面對最逼切問題及挑戰的立場及解決方法。<br /><br /><span style="font-family: inherit;">1)過去四年半香港出現嚴重的社會撕裂,其中一個主因是</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">源於「人大831」政改框架之爭拗。在831框架短期不</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">能改變下,那麼閣下有甚麼實質的對策能修補社會之分歧及</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>矛盾呢? 閣下對重啓政改有甚麼方法?<br /><br /><span style="font-family: inherit;">2)中聯辦近年積極干預香港內部事務,甚或企圖操控各級</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">選舉,「一國兩制」幾近名存實亡。亦因缺乏互信,港人亦</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">因此深深憂慮政府為【基本法】第二十三條立法。請問閣下</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">能如何有效向中央反映港人之憂慮?你會支持為【基本法】</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>第二十二條及為第二十三條立法嗎?<br /><br /><span style="font-family: inherit;">3)近年香港核心價值被日漸蠶食,閣下如何能保障香港人</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">所珍惜的民主、自由(包括言論、出版、參選)、人權、法</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">治、公平、廉潔等核心價值?請問閣下又如何能確保行政、</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>立法及司法三權分立?<br /><br /><span style="font-family: inherit;">4) 在中港融合下,香港正逐漸由一個國際大都會下滑至中國一</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">個邊緣城市,並趨向市場單一化,而且對內地經濟過份倚賴</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">,請問閣下如何帶領香港重回正軌,令香港重拾競爭力? 除「一帶一路」式的空口號之外,閣下有甚麼實質經濟政策</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span> ?<br /><br /><span style="font-family: inherit;">5)香港住屋求過於供,但其實這並不只是一個土地短缺或</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">建屋問題,而是一個人口政策問題。現屆政府以人口老化為</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">藉口,來肯定其加速輸入來港人口之要求。但現時香港已有</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">人滿之患,並沒有條件將人口大幅提升至八百多萬。懇請閣</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">下詳細介紹其人口政策。</span></span><br />
<a name='more'></a>另外閣下如何向中央要求取回每日<wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>一百五十名單程證的最終審批權?<br /><br /><span style="font-family: inherit;">6)現屆政府花費大量公帑於各項效用成疑的基建工程,但</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">在病人需求日益增加的同時卻未有大幅提高醫療撥款。請問</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>閣下能如何改善公營醫療制度及縮短病人輪候時間?<br /><br /><span style="font-family: inherit;">7)面對即將來臨的人口老化高峰期,懇請閣下闡述安老政</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>策與及對全民退保的看法?<br /><br /><span style="font-family: inherit;">8)香港教育制度長期被詬病,填鴨式教育制度已不能為香</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">港提供有競爭力的工作人口,學生亦失去學習興趣。由TS</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">A演變出來的BCA是否真正有需要設立? 請問閣下對「普教中」、中史科改革及減輕填鴨式學習壓力</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>有甚麼改革建議?<br /><br /><span style="font-family: inherit;">9) 現屆政府經常把施政困難、政策難以推行歸咎於立法會議員</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">「拉布」,鮮有由問責官員承擔,「問責制」形同虛設。請</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">問閣下若當選後如何能真正體現「問責制」? 閣下又認為現屆政府的表現如何? 閣下對於在五年任期内完成政綱所述之目標又有多少把握?</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><br /><br /><span style="font-family: inherit;">10) 如閣下或閣下的選舉團隊,知悉中聯辦或其他内地官方機構</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">,向選委施壓影響投票意向,你會否向選管會舉報,以確保</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>選舉之公平及公正?<br /><br /><span style="font-family: inherit;">我們期望閣下儘快與香港人分享你對以上問題的看法及解決</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>方案。謹祝閣下選舉工程順利。<br /><br />祝 安康<br /><br /><a data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=836637239730993&extragetparams=%7B%22directed_target_id%22%3A0%7D" href="https://www.facebook.com/%E7%B2%BE%E7%AE%97%E6%80%9D%E6%94%BF-Act-Voice-836637239730993/" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">精算思政 Act Voice</a><br /><a aria-controls="js_1c" aria-describedby="js_1d" aria-haspopup="true" data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=1031058750272709&extragetparams=%7B%22directed_target_id%22%3A0%7D" href="https://www.facebook.com/financierconscience/" id="js_1e" style="color: #365899; cursor: pointer; font-family: inherit;">思言財雋 Financier Conscience</a><br /><a data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=475458155963208&extragetparams=%7B%22directed_target_id%22%3A0%7D" href="https://www.facebook.com/InsuranceARISE/" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;">保險起動 Insurance ARISE</a><br />敬啓<br />二零一七年二月十二日思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-90226059806395183652017-02-06T13:30:00.000+08:002017-02-22T22:53:45.068+08:00短評曾俊華政綱<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">曾俊華先生在特首提名期開始前一星期</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">終於提出他的政綱,思言財雋認為他在政制改革以及金融部</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">份幾近「交白卷」。</span><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"><b>在政制改革方面</b>,曾先生完全沒有就如何帶領香港走向「雙</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">普選」提供具體計劃及路線圖,他只是強調要等待「水到渠</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">成」之時。思言財雋明白曾先生希望面面俱圓的用意,但過</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">份模糊的立場實在稱不上是政綱。</span><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">另外,政綱中「經濟」部份亦是了無新意。當中曾先生不斷</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">強調要加強「一帶一路」及人民幣業務,這和現屆政府的方</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">針完全沒有分別,試問舊瓶舊酒又如何令香港在鄰近城市步</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">步進逼之際再創高峰?</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;"><br /><br /><span style="font-family: inherit; font-size: 14px;">當然,他著墨不少在創科和創意產業,但他提出成立的「金</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">融科技研究所」和「中小企雲端技術支援服務中心」均可以</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">預期是政府架構中低層次的部門,是否能提昇香港整體競爭</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-size: 14px;">力是一大疑問。</span><br /><br /><span style="font-family: inherit; font-size: 14px;">我們欣賞曾先生提出引入累進式利得税及負入息税制,但以</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">上政綱只有寥寥數句,完全沒有數據支持,我們無從評論之</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-size: 14px;">餘,這亦與曾先生任職多年財政司的身份似乎不太相稱。</span><br /><br /><span style="font-family: inherit; font-size: 14px;"><b>至於開拓土地方面</b>,曾先生提出落實東大嶼都會及新界北發</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">展。這是承接了政府推出的《香港2030+》之計劃。政</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">綱提到發展不影響郊野公園、不涉海洋生態敏感的地帶,但</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">沒有闡述具體可行方法。我們希望曾先生能就此而多加解釋</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">如何在保育及發展中取得平衡。曾先生在政綱中亦有觸及檢</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">討棕地政策,先把低密度且低效的用途遷移以釋放土地用途</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-size: 14px;">。同樣地我們希望曾先生能補充其可行方法。</span><br /><br /><span style="font-family: inherit; font-size: 14px;"><b>房屋方面</b>,增建公屋、協助中產置業等已非新意。反而我們</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">有興趣知道曾先生如何在檢討丁屋制度此炙手課題上會怎樣</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">做。而把規劃、土地及房屋政策納入同一政策局之建議卻是</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-size: 14px;">可取的。</span><br /><br /><span style="font-family: inherit; font-size: 14px;">不過在整個政綱中,我們找不到任何有關人口政策及單程證</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-family: inherit; font-size: 14px;">審批權之建議。房屋及退休保障計畫與人口政策息息相關,</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit; font-size: 14px;"></span><span style="font-size: 14px;">曾先生在此處交了白卷,著實令人失望。</span><br /><br /><b><span style="font-family: inherit;">總體而言,我們認為曾先生的政綱在政制改革及經濟事務上</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">雖不至於乏善足陳,但多流於談願景,對能否有具體可行方</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>案解决香港政治及經濟金融問題需要多加闡述。</b><br /><br /><span style="font-size: 14px;">曾俊華選舉政綱: </span><br /><a href="https://www.johntsang2017.hk/tc/platform.html" rel="nofollow noopener nofollow" style="color: #365899; cursor: pointer; font-family: inherit; font-size: 14px; text-decoration: none;" target="_blank"><span style="font-family: inherit;">https://</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">www.johntsang2017.hk/tc/</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>platform.html</a></span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-9807748145234917782017-01-10T09:15:00.000+08:002017-01-11T09:22:45.694+08:00馬會的錢不是香港人的錢?<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">社會就故宮博物館在香港建分館一事鬧得沸沸揚揚,其中最</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">為人咎病的是整個計劃事前不作公衆咨詢,破壞程序公義。</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">這裏我們想指出另外一個問題,就是故宮博物館的資金來源</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">。政務司司長林鄭月娥解釋由於馬會捐出35億元建舘,不</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">牽涉公帑,故此無須向立法會申請撥款,自然也無須在立法</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">會進行討論,整個決定林鄭司長幾個人説了算。</span><br />
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<span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">但事實上馬會出錢是否就等於與香港市民無關呢?</span><br />
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<span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">香港賽馬</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">會是全港唯一合法專營的博彩機構,壟斷了香港的賭博事業</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">。馬會是一家非牟利公司,而非私人機構,</span><br />
<a name='more'></a>所有收入在支付<wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">派彩、獎金、經營費用及稅項後,餘下的款項均悉數撥捐慈</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">善及社區計劃。2015/</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">16年度馬會繳納博彩稅及利得稅合共209億元,連同12</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">.8億元獎券基金撥款,以及39億元的慈善及社區項目捐</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">款,馬會去年直接回饋香港的金額高達261億元,是香港</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;">最大單一納稅機構,也是香港最大的慈善公益資助機構。</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px;"><br /><br /><span style="font-family: inherit;">馬會利用專營博彩賺了香港市民的錢,然後全數花在香港市</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">民身上,這跟政府徵收各項稅款以支付公共開支,其性質非</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">常相似。馬會雖不是政府部門,卻分擔了部分政府部門的角</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">色,包括資助醫療、教育、康體、文化、青年發展和長者福</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">利等等。馬會捐出35億興建故宮博物館,便等於少了35</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">億可用在其他社會公益活動上。雖然馬會慈善信托基金强調</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">這一筆過捐款不會影響經常性的慈善開支,但基金一下子花</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">多了平常一年的開支,捐助能力必被耗損,最終受影響的便</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">是香港市民。林鄭以爲一句馬會出錢就可以自把自爲,其實</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>是誤導市民。<br /><br /><span style="font-family: inherit;">今次興建故宮博物院的決定,不禁令我們想起之前政府以機</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">管局獨力承擔三跑建造費爲名,繞過立法會拍板上馬。現時</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">我們買機票所付的90至180元機場建設費,不就是香港</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">市民的公帑嗎?因興建三跑而令庫房未來十年少收470億</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">的機場營運溢利,不也是公帑嗎?假若將來三跑出現虧損,</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">肯定要由納稅人埋單。政府爲了起故宮博物館而取消原來計</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">劃的大型表演場地,將失去西九的主要收入來源,將來故宮</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>有機會錄得虧損,到時又是納稅人埋單。<br /><br /><span style="font-family: inherit;">特區政府在梁振英和林鄭月娥的領導下,一再踐踏立法會,</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">視制度如無物,充分展現獨裁心態。其實立法會在建制派的</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">把持下,一切政府方案都必能通過,如今政府連門面功夫也</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">懶得做,令立法會連討論的機會都沒有,官員也不用去接受</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">議員質詢,生活確實十分寫意。只可惜香港多年來建立的優</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">良制度,短短數年間就被破壞殆盡,香港幾代人辛苦積纍的</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">儲備隨時會被冤枉花掉。如果香港再給這些人管治五年,將</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>會變成怎樣?</span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-27694152261817190742016-12-31T19:00:00.000+08:002017-01-11T09:18:31.892+08:00新年快樂<div class="separator" style="clear: both; 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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioXyhyphenhyphenyXTdX-7yMwc-0GwzlmqtWFPnYzL7uWD9qNoiv9CwuWxCV8aJJfNZBTn6epORVdnLThgxPsSlSRzFoPnPx15GHNrVMvR6J407kHZKsVa_o3Bk8j8_UvgC7IEzJ6vV8Xg34komf-k/s1600/15800060_1389163391128908_3240637484054504763_o.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioXyhyphenhyphenyXTdX-7yMwc-0GwzlmqtWFPnYzL7uWD9qNoiv9CwuWxCV8aJJfNZBTn6epORVdnLThgxPsSlSRzFoPnPx15GHNrVMvR6J407kHZKsVa_o3Bk8j8_UvgC7IEzJ6vV8Xg34komf-k/s640/15800060_1389163391128908_3240637484054504763_o.jpg" width="640" /></a></div>
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<span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">2016年快要結束了。過去一年,大家經歷不少歡欣與淚</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">水;在來年,相信前路仍然有不少高低起跌,但是我們不會</span><wbr style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">為此而卻步,仍然會為信念奮戰。</span><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">思言財雋祝各位新年快樂!</span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-21794252254807091362016-12-12T10:00:00.000+08:002017-01-11T09:21:54.510+08:00行政長官選舉委員會選舉<div style="background-color: white; color: #1d2129; font-size: 14px; margin-bottom: 6px;">
<span style="font-family: inherit;">今屆行政長官選委會選舉結果已定。民主派取得自回歸以來最多席位,赢取了超過300席達標完成。雖然特首仍然是由北京欽點,再經小圈子加蓋「選出」,但今次選舉結果起碼能令民主派加強影響力,令北京操控選舉結果之成本大大上升! 這再次証明只要有更加多選民走出來關心香港,行使公民權,香港困局是有機會突破的!</span></div>
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<span style="font-family: inherit;">希望各選委好好把握手上一票,團結力量,為香港人選出一位適合香港民情,真心為香港人謀福祉的行政長官!</span></div>
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界別 當選席數<br /><span class="text_exposed_show" style="display: inline; font-family: inherit;">社會福利 60</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">資訊科技 30</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">衛生服務 30</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">法律 30</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">高等教育 30</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">教育 30</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">中醫 3</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">醫學 19</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">工程 15</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">會計 26</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">建築測量規劃園境 25</span><span class="text_exposed_show" style="display: inline; font-family: inherit;">立法會民主派議員 27</span>總數:325席</blockquote>
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<span style="font-family: inherit;">大家亦可能留意到,在民主派能大比數勝出的屆別,全部都是擁有個人票的專業屆別。</span></div>
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<span style="font-family: inherit;">但在只有公司票的界別裏如金融界、金融服務界、保險界等席位就仍然牢牢控制在建制派手裏,很難有突破。</span></div>
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<span style="font-family: inherit;">我們身為金融從業員完全沒有投票權,我們的意見無從由選舉中表達出來。我們既然是香港的公民,亦作為納稅人,好應該為我們自己爭取權益,爭取個人票,不能再一次又一次無奈地看著別人投票而同時「被代表」了! </span></div>
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<span style="font-family: inherit;">請大家拿出勇氣,加入及支持我們,為金融從業員在功能界別中爭取個人票,甚至全面取消功能界別制度!</span></div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-2044083501413617302016-12-09T09:22:00.000+08:002017-01-11T09:23:33.458+08:002017特首選舉<div style="background-color: white; margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica Neue, Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">689 聲稱「 不爭取連任」 固然值得高興,大家在高唱「 熱烈地彈琴熱烈地唱」的時候, 也不要忘記當務之急是要守住立法會。</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica Neue, Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">思言財雋呼籲大家不要忘記 特首梁振英意圖褫奪四位泛民主派議員立法會議席的事件, 本週六晚如未能往遮打花園集會,也必須密切留意事態發展。</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica Neue, Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">另外, 特首選委的選民,請務必本週日到票站投票。</span></span></div>
思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-720625231860434532016-12-05T13:33:00.002+08:002016-12-06T07:41:07.655+08:00 業界投稿 - 【深港通與一國兩制】<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDc62gPpkIqvUUzCUtyTDHbrwEZJWZsqtoyNSZVy0ocaIJLle2W6nrAmPfgLIm-yt7DH7vMYfc9DpSMSKpNGqB6mlVDxEN1KRH33_mCJVDnTJX4C0Zn76slTMKthbjPDRYYyg7J-1sQRI/s1600/15283950_1349896171722297_8992523295105560162_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="428" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDc62gPpkIqvUUzCUtyTDHbrwEZJWZsqtoyNSZVy0ocaIJLle2W6nrAmPfgLIm-yt7DH7vMYfc9DpSMSKpNGqB6mlVDxEN1KRH33_mCJVDnTJX4C0Zn76slTMKthbjPDRYYyg7J-1sQRI/s640/15283950_1349896171722297_8992523295105560162_n.jpg" width="640" /></a></div>
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<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">今天(12月5日)是投資市場期待已久深港通開通的大日</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">子。從滬港通開通兩年至今,投資者早已預期下一站是深港</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">通,因此市場預期開通對市況短期影響不大。</span><br />
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<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">深港通在制度設計大致跟隨滬港通,包括設有可交易的股票</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">名單、按照「主場規則優先」("home market rules")等。香港投資者固然對深港通感興趣,但與</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">香港切身相關的還有另一制度 ― 一國兩制。深港通與一國兩制看似風馬牛不相及,但實際可</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">以「相映成趣」。</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><br /></span><br />
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<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">(1) 一切以中國優先</span></h4>
<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">深港通強調「主場規則優先」,即是投資者在交易時必須遵</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">守對方市場的交易規則和習慣,不過我們不難發現有不少細</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">節都是以內地的角度出發。例如深港通中北向和南向都設有</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">每日交易額度,其中內地投資者買入港股是105億元人民</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">幣。這規定看似普通不過,但為何內地投資者買入以港幣計</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">價的港股時交易額度要訂為人民幣?當內地當局在實時監察</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">時要作換算才可知道南向額度的使用情況,額度的貨幣單位</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">就來得有點不自然。如果想到這一切都是出自內地決策者的</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>手筆,以人民幣作為普世標準就正常不過了。<br /><br /><span style="font-family: inherit;">另外,交易額度的背後理念亦是中國慣常「試點管理」方式</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">,務求強調一切風險可控。而為何深港通要叫「深港通」而</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>不是「港深通」就更不在話下。總之,一切以中國優先。<br /><br /><span style="font-family: inherit;">當官員政要不斷指出一國兩制中「一國」是兩制的前提,這</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>和深港通一切以中國優先的理念不謀而合。</span><br />
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<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">(2) 香港金融市場比內地成熟</span></h4>
<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">現時全球資金不但可以自由進出香港市場,而且完善的金融</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">基建、</span></span><br />
<a name='more'></a><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">低稅率制度、供應充足的金融專才以及健全的司法制</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">度,都使香港的金融市場較內地優勝。根據Z/</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">Yen Group編制的全球金融中心指數,香港現時在金融範疇的競爭力名列世界第四,遠遠拋離排名十六位的上</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>海及排名二十二位的深圳。<br /><br /><span style="font-family: inherit;">如果深港通(及滬港通)是將一個發展成熟和另一個發展較</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>落後的金融市場連在一起,一國兩制是不是有同樣情況?</span><br />
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<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">(3) 並非單單惠及香港</span></h4>
<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">根據滬港股開通兩年的經驗,北向滬股通日均成交額約為5</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">0億元人民幣,而南向港股通日均成交約為30億港元,這</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">說明從香港透過滬港股進入內地的資金較南向進港的資金多</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">。因此我們不能單單視深港通為中央對港的恩惠,而更是一</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>個對內地資本市場開放有利的舉措。<br /><span style="font-family: inherit;">另外,中資公司現時佔港股總市值超過六成,而成交額佔比</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">更近七成,大量中資公司到港上市一方面證明香港是中國有</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">效的集資中心,而另一方面亦顯示內地對香港金融市場</span>影響極大。<br /><br /><span style="font-family: inherit;">一個在軟實力優秀的地方,在制度下受另一方極大影響,是</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>深港通亦是一國兩制。</span><br />
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<span style="font-size: small;"><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif;">總結</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-family: inherit;">當中國證監會主席兼黨委書記劉士余在上周發表反對惡意收</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">購、違者將面對牢獄刑罰等人治色彩濃厚的言論,我們看到</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">中港金融市場的巨大鴻溝近乎不證自明。不過,兩地今天在</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>深港通以及一國兩制下緊密連繫起來了。</span></span></h3>
<span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><br />如有助 @ 思言財雋</span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-29028834721735815862016-12-03T09:27:00.000+08:002017-01-11T09:28:04.027+08:00「香港新願景」?!?<div class="separator" style="clear: both; text-align: center;">
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政務司長林鄭月娥近日以「香港新願景」為主題發表演講,我們不欲猜測這是否她的政治宣言或政綱,還是真的肺腑之言,但我們卻對她的香港新願景有保留,希望與司長商榷。</h3>
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<strong style="transition-duration: 0.5s; transition-property: left, right, top, bottom, height, width;">經濟依賴內地 法治不斷倒退</strong></div>
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司長提到,香港是連接內地和世界各地的「超級聯繫人」。她舉的第一個例子是香港擁有環球最大的離岸人民幣資金池,亦不斷提到國家政策、深港通、兩地基金互認、CEPA、一帶一路、「內地這麼大的市場」等。這些所謂商機,令香港的經濟,不論是金融、旅遊、服務業,甚至是大學教育,都側重或依賴內地,以致政府和市民,滿足於一些假象,不求創新,與國際大都會漸行漸遠。</div>
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舉金融業為例,香港自回歸後只看重國內公司來港上市,在債市、滙市、貿易、商品、期貨及其他金融衍生產品開發方面落後於區內其他國家。對香港的優勢定義太過狹窄,將使香港錯失真正的國際機會。假若香港仍滿足於擁有最大的離岸人民幣資金池(人民幣一旦自由兌換,這還會存在嗎?),不難想像香港很快在各方面都會落後於人。</div>
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司長提到香港的優勢源於一些傳統價值,<br />
<a name='more'></a>最重要的是司法獨立和法治。她多年來就是要確保司法機關有充分的資源維護司法獨立和奉行法治。但維護法治最重要的,當然不只是為它提供資源這麼簡單!單看法律界多次的黑衣遊行,抗議回歸以來的釋法和法治受到踐踏,就知道這個香港賴以為傲的價值受到多麼嚴重的損害!政府有把好關嗎?</div>
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司長又提到香港是世界上最安全的城市之一,她歸功於3萬名警隊人員的努力。可是,她沒提警察濫用權力、警權坐大、對示威者無理檢控和拘留、雨傘運動的87枚催淚彈、無視警員使用過分武力(朱經緯以警棍無理毆打市民、七警暗角毆打曾健超)。這些不屬於她認為是很重要的law and order嗎?</div>
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<strong style="transition-duration: 0.5s; transition-property: left, right, top, bottom, height, width;">初創缺軟件配合 教育制度製造壓力</strong></div>
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談到多元經濟、創造優質就業,上面已提到金融和旅遊業過分依賴內地的情況,不贅。在新興產業方面,司長提到成立創新及科技局、擴建科學園、為長遠科技和創新的發展提供土地資源。但是單講硬件夠嗎?就拿新加坡(一個令司長「不甘心」的國家)來比較一下。新加坡政府大力扶助初創企業,資助發明家申請專利,為他們提供認證,之後更可在競投工程時獲優先考慮。新加坡對於新科技亦十分歡迎及配合:</div>
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相比新加坡政府的前瞻性施政,香港只是停留在硬件的配套。試問,這願景合格嗎?</div>
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培育青年方面,司長只提到伍家朗和李垂誼,但他們的成功跟政府政策關係不大!她提到大學學額不足(卻沒有回應所謂大學國際化其實是大陸化的假象)。她說要為青年人提供多元出路,重視職業及專業教育,亦在中學開始做生涯規劃,希望青年人能夠找到自己的出路云云。這算是哪門子的願景?香港教育制度的缺失,現在無論是老師或學生的擔子和壓力已到了爆破的臨介點,家長為子女在考DSE前跳船而煩惱,更遑論因過量的功課而產生的學習問題。在司長侃侃而談多元出路前,實應全面檢討和改善幼兒至中小學教育。</div>
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<strong style="transition-duration: 0.5s; transition-property: left, right, top, bottom, height, width;">新移民質素低 全民退保隻字不提</strong></div>
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談到人口問題,她說香港因人口老齡化而需要以更開放、包容的態度去廣納海內外的人才。這建議不錯。但必須指出,香港現時的人口和移民政策是背道而馳的!眾所周知,香港每天從內地接收的150名新移民,大部分並非一般香港人所認知的「人才」。我們認為,要改善香港人口的質素,最直接的做法是重奪入境審批權!再拿新加坡作比較:當地接納了大量高質素的專業移民,對稅收、提升行業產值、人口發展都有很大的正面影響!</div>
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發展城市、社會和貧窮問題方面,她說希望「香港2030+」能夠凝聚到社會的共識,但如果政府開托丁地、棕地和囤地的魄力和速度都一如既往,既怕得罪鄉紳和既得利益者(有權者),又不尊重原居民的需要(無權者),土地的樽頸不僅會是一個很大的挑戰,而且將會是政府施政的一大障礙。</div>
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另外,貧窮線和每年的扶貧委員會高峰會當然是一個好的開始,但這種救火式的政策工具是嚴重不足的。貧窮問題當然沒有一個標準答案,但司長完全沒有提及全民退保或類似的計畫,令人懷疑究竟她是排除了全民退保的可能性,還是有其他原因呢?今日香港的貧窮問題是減輕了還是嚴重了,相信大家心中有數!</div>
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<strong style="transition-duration: 0.5s; transition-property: left, right, top, bottom, height, width;">既無遠大目光亦無新意的「願景」</strong></div>
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談到一國兩制、勿忘初心,她說中央有誠意讓一國兩制在香港落實。可惜,自從回歸以來,上至特首及各問責官員,下至建制派及部分政府執法部門,無不以順從中央領導人心意為己任,不斷把香港融合於内地政治及經濟制度中(重一國),而不是以香港人之長遠利益及願景作為依歸(輕兩制)。說穿了,一眾官員及建制派只是自私地爭取其政治及經濟利益,把香港賴以成功的核心價值及制度不斷出賣及破壞,以至香港逐步喪失國際先進城市的地位。</div>
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演講末段,司長提到「近年社會出現了一些情況,令到大家很擔心、很關心,甚至有些時候是很痛心,難保有一些人會灰心」。對的,大部分港人對香港禮崩樂壞很擔心,對自由空間縮窄很關心,對法治和核心價值受破壞很痛心,對一個沒有真普選的前途很灰心。</div>
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<span style="letter-spacing: 0.2px;">司長如認為她所列出的願景能扭轉乾坤,改變未來,那恐怕太過天真了。這些願景連最重要的政制改革,落實普選行政長官和立法會都隻字不提,令人覺得這不像是作為一名服務多年的公務員的肺腑之言。重看題目「香港新願景」,即覺內容既無願景所必須之遠大目光,亦欠缺吸引人眼球的新意。如果是批改作文,只能拋下一句:重寫!</span></h3>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-68658972334292359442016-11-28T17:37:00.001+08:002016-11-28T17:38:04.467+08:00業界投稿 - 【「爱国」還是「爱人仔」?】<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">人民幣持續貶值,《人民日報》作為「黨的喉舌」撰文呼籲</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">人民不要盲目跟風兑換外幣。文章認為人民幣投資組合收益</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">率超過貶值幅度的可能性很大,人民幣幣值之跌幅在美國大</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">選後比其他國家的貨幣跌幅相對少,人民幣並不具備大幅貶</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">值之空間云云。文章基本上是以利去說服人民不要拋售自己</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">國家的貨幣及相關資產。筆者覺得有點奇怪,大量中國人不</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">是天天在說自己很「爱国」的嗎? 國家貨幣遭到貶值,好應該大力投入資金去支持,為何需要</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">以「利」為誘去穩定貨幣呢?</span><br />
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<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">近年有很多中國大陸及香港「爱国」人士經常以「爱国」掛</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">在口邊,又經常義正詞嚴地指責那些批評中共、不信任中共</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">、反抗建制的人是「漢奸」、「港英餘孽」、「反中亂港」</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">的走狗。其實所謂「爱国」,在很多人心目中可能只是一盤</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">生意,尤其是在近二十年「突然爱国」的那一班,包括大量</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">建制派議員及其附庸,以及在大陸做生意或投資賺到盤滿砵</span><wbr style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1d2129; display: inline-block; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">滿的才俊們。君不</span><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">見在大陸改革開放前,國家仍然是一窮二白時,他們那時的</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>「爱国」情操又在那裏?<br /><br /><span style="font-family: inherit;">其實一個人的真正内心想法往往從其行為可以看到。</span></span><br />
<a name='more'></a><span class="text_exposed_show" style="background-color: white; color: #1d2129; display: inline; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;"><span style="font-family: inherit;">還記得</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">在1997年亞洲金融風暴肆虐時,南韓盾遭受國際大鱷狙</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">擊而瘋狂貶值。南韓人當時並沒有爭相去把南韓盾兑換成美</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">元,而是把自己家中儲起的金飾金器拿出來變賣成南韓盾去</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">支持自己國家幣值。這舉動你可能認為很蠢很儍(尤真對「</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">醒目」的中國人而言),但此舉充分證明了南韓人的愛國心</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">,是真正的愛國表現。真正的愛國,應該是表現在行為上,</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">而不只是天天掛在口邊嚷著,去集會揮舞一下國旗然後丢國</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span><span style="font-family: inherit;">旗在地上或垃圾箱就算是。身體最誠實,自己的資產走向就</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>更誠實!<br /><br /><span style="font-family: inherit;">所以,當各位在宣揚自己是如何「爱国」時,不妨先撫心自</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>問一下:<br />a. 有外國護照的為何不立即放棄以表「爱国」心跡?<br /><span style="font-family: inherit;">b. 有子女的為何送他們往國際學校或歐美讀書而不是留在本地</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>或往内地升學?<br /><span style="font-family: inherit;">c. 當人仔下跌時為甚麼會立即把資金調往外國或兑換成外幣而</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>不是買更加多人民幣資產?<br /><span style="font-family: inherit;">d. 假設明年中國大陸經濟崩潰(或稱硬著陸、支爆),你還會</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>「爱国」嗎?<br /><span style="font-family: inherit;">e. 最後一題是特別獻給一班「爱国爱港」的建制派及各大生意</span><wbr></wbr><span class="word_break" style="display: inline-block; font-family: inherit;"></span>人: 其實你是「爱国」還是「爱人仔」?<br /><br />阿灰@思言財雋</span>思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-530647096186945552016-11-24T12:00:00.000+08:002016-11-27T12:04:29.652+08:00Open letter to HKMA and the SFC on matter concerns JP Morgan summer camp internship program<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
To:<br />Mr. Norman Chan, Chief Executive of Hong Kong Monetary Authority<br />Mr. Carlson Tong, Chairman of the SFC<br />Mr. Ashley Alder, Chief Executive Officer of the SFC</div>
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On Nov 17, 2016 the U.S. Securities and Exchange Commission (SEC) reached a settlement agreement with JP Morgan Chase & Co and its Hong Kong subsidiary JPMorgan APAC regarding the scandalous hiring of Chinese 'princelings'. The SEC's summary findings report, also dated Nov 17, 2016, disclosed the existence of a 'summer camp' internship program (Program) in 2009-2010 within JPMorgan APAC. Candidates for this Program were selected based on client relationships. To successfully refer a candidate to the Program, a client should generate at least USD3mil of fee income for JPMorgan APAC. JPMorgan allows the participants to list the Program on their resumes. </div>
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Recently the local media revealed that, back in 2010, Ms Chung-Yan Leung (Ms Leung), youngest daughter of the current Chief Executive of Hong Kong, Mr CY Leung (CE), who was then the Covenor of the Executive Council of Hong Kong, has participated in the Program. Ms Leung was at that time a secondary school student. </div>
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On Nov 23, 2016, the CE's Office, in response to the media's enquiries, stated that Ms Leung's internship with JPMorgan did not involve money, and was not related to the CE's public services or his acquaintance with Mr Fang Fang, the then Managing Director at JPMorgan Securities Asia.</div>
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Financier Conscience, as a group of financial services professionals, is concerned with Ms Leung's internship. As Ms Leung's father is the CE, we believe the various relevant regulatory bodies in Hong Kong should investigate and be thoroughly acquainted with the details of the hiring. This is to ensure JPMorgan's admittance of Ms Leung to the Program was in line with the firm's stated compliance requirements as well as the local legal requirements.</div>
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The SEC's summary findings report disclosed that a minimum fee income of USD3mil is required for clients who refer participants to the Program. Conservatively assuming a fee rate at 1% or below of the size of investments or other types of investment banking deals, this would imply the referee should bring in deals of at least hundred millions of USD. Such deal amount is significant. This incident also involved a senior public service personnel. Therefore, we believe, based on the Anti-Money Laundering and Counter-Terrorist Financing (Financial Institutions) Ordinance, the Securities & Futures Ordinance, and the Banking Ordinance, the SFC and HKMA is obliged to investigate the following areas:</div>
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<li style="color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Was JPMorgan APAC fully compliant with its internal regulations in hiring Ms Leung? Did JPMorgan APAC breach any relevant Hong Kong law during the process?</li>
<li style="color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Did the CE attempt to influence JPMorgan APAC's hiring decision-making process, on the back of his position authority premised upon his being the then Covenor of the Executive Council of Hong Kong?</li>
<li style="color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Did the CE or Ms Leung provide any monetary or non-monetary return to JPMorgan APAC in relation to the Program admittance? Was there any breach of banking or securities related laws, or anti-corruption laws?</li>
<li style="color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Did any senior management member of JPMorgan APAC, including Mr Fang Fang, the firm's ex-Vice Chairman for Asia and CEO for China, breach any relevant Hong Kong law?</li>
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A fair and un-corrupt environment is absolutely crucial for a healthy financial and banking sector, and is critical for the finance professionals' and investors' interests. Financier Conscience sincerely urges the SFC and the HKMA to investigate JPMorgan APAC's internship hiring process of Ms Leung to ensure such an environment is properly upheld.</div>
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Yours sincerely,</div>
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Financier Conscience</div>
思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-86128739964225094402016-11-24T11:58:00.000+08:002016-11-27T11:59:51.841+08:00思言財雋就「JP Morgan APAC 聘請實習生」事件向證監會及金管局發出之公開信<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
致:<br />金管局總裁陳德霖先生<br />證監會主席唐家成先生<span class="text_exposed_show" style="display: inline; font-family: inherit;"><br />證監會行政總裁歐達禮先生(Mr. Ashley Alder)</span></div>
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美國證券交易委員會(美國證交會)在11月17日與摩根大通及其香港子公司(JPMorgan APAC)達成約2.64億美元的和解協議 ,當中披露2010年一個「夏令營」實習計劃(“summer camp”),客戶需要介紹提供最少三百萬美元佣金(“$3m tangible fees”)的項目或投資,令其子女可以參加計劃,而其子女亦可將「夏令營」寫入工作履歷中。根據傳媒報道,行政長官梁振英先生(特首)--時任行政會議召集人--的女兒梁頌昕小姐(梁小姐)曾表明在2010年到摩根大通實習。行政長官辦公室在11月23日回覆傳媒查詢時表示梁小姐6年前在摩根大通實習不涉及金錢,亦與特首公職和其時摩根大通證券亞洲董事總經理方方先生無關。</div>
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思言財雋對JPMorgan APAC在聘請梁小姐作為實習生一事甚為關注。因其父親梁振英先生貴為現任行政長官</div>
<a name='more'></a>,我們希望監管機構能深入了解事件當中之細節,以確保整個聘請過程符合JP Morgan APAC的實習生聘請程序及本地法例要求。<br />
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基於和解協議中指出參加「夏令營」計劃的客戶需貢獻至少三百萬美元的佣金收入,若以每一美元資金一般可以帶來1%或以下的佣金貢獻,意味著客戶極可能需要為公司帶來數以億計美元的投資或項目金額才可達到要求。鑑於此事涉及公職人員及金額龐大,思言財雋認為證監會及金管局有責任基於《打擊洗錢及恐怖分子資金籌集(金融機構)條例》、《證券及期貨條例》、《銀行業條例》及其他相關法例作出以下調查:</div>
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(一) JPMorgan APAC在聘請梁小姐時有否遵照其內部既定程序?JPMorgan APAC有否違反任何香港法例?</div>
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(二) 梁振英先生當時作為行政會議召集人,有否在招聘過程中利用他的公權力影響JPMorgan APAC的招聘決定?</div>
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(三) 特首及梁小姐有否向摩根大通及JPMorgan APAC提供金錢或非金錢回報?當中有否違反其他金融相關甚至貪污法例?</div>
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(四) JPMorgan APAC管理層包括前亞洲區副主席兼中國首席執行官方方在過程中有否違規?</div>
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思言財雋促請證監會及金管局對梁頌昕的實習生聘請事件展開調查,確保香港金融業的廉潔及公平,保障業界及投資者的長遠利益。</div>
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祝 安康</div>
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思言財雋 敬啓<br />2016年11月24日</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-54212832321640676692016-11-18T11:56:00.000+08:002016-11-27T11:57:07.823+08:00就港交所及證監會改善上市監管决策及管治架構聯合諮詢文件之意見書<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
證監會與香港交易所在今年6月推出了就《建議改善香港聯合交易所有限公司的上市監管決策及管治架構》的聯合諮詢文件。我們歡迎兩個機構為保障香港金融市場的聲譽、提升監管質素及效率,以及加強對投資者保障而作出適當的改革。在其他國際金融市場如紐約及倫敦,監管機構亦有機制對所有新上市申請進行審批,以保障投資者之利益。與此同時,我們亦關注到自諮詢文件推出後,有部分業界人士對此改革建議有頗大的反對聲音。我們細閱是次諮詢文件後有以下兩點意見:</div>
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1. 監察上市職能</h4>
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諮詢文件建議由上市政策委員會(LPC)取代上市委員會,作為聯交所内部負責監察上市職能及上市部在監管職責方面的表現的機關。同時港交所薪酬委員會在釐定有關薪酬時,會把上LPC的評估考慮在内。 我們對此的必要性存疑。港交所上市委員會現已有28位來自港交所、業界及投資者的會員。</div>
<a name='more'></a>他們早已具有監察上市職能之專業知識,亦能準確地了解市場情况,平衡監管與市場運作之需要。現時架構早已有非常清晰的問責性。<br />
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建議的新架構上市部要向LPC問責,其員工之薪酬釐訂甚至要與其監管表現掛勾。我們認為此舉將會嚴重影響上市部們之靈活性及對應日趨複雜的金融市場之變化,更會令人有「諸多制肘」之感覺,令上市部員工為了表現可能動輒要求把上市申請定為上市監管委員會 (LRC) IPO 個案。上市部的自主權可能因此而削弱,亦更難吸引金融專才加入上市部工作。</div>
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所以我們認為此架構改變是不必的,亦是弊多於利。我們認為港交所應該保持現有上市部向上市委員會問責的架構。</div>
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<span style="font-family: inherit;">2. 上市監管委員會的成員組合及程序</span></h4>
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諮詢文件建議成立一個由港交所及證監會共同組成的6人委員會,作為上市委員會之上的一個決策委員會,我們有下列意見:</div>
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a. 上市委員會本身的組成已函蓋了港交所、業界及投資者的代表,熟悉市場規則及運作,對上市之申請批核工作亦經驗豐富,為何還需要再設立多一個不論人數及代表性都相對較低的委員會去審理上市委員會提出有問題的上市申請? 難道一個6人組成的委員會,會比較一個由28位擁有專業市場知識的業界人士組成的委員會更具審批能力? 這點我們是存疑的。</div>
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b. 諮詢文件提到上市監管委員會成立之目的主要是希望可以簡化上市部、上市委員會及證監會的决策程序,令決策程序更為直接有效。我們認為若要達到上述目的,證監會可以派員直接加入上市委員會,一同與其他業界代表一起參與討論及審批工作。這樣做更能令證監會直接參與所有上市申請審批工作,即時向其他委員表達意見,這樣更能提高上市委員會的監管質素,亦令整個審批過程更有效更專業,無須「架床疊屋」地成立一個新的委員會。</div>
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c. 根據港交所公佈之數據,在2015年上市委員會例會平均出席人數只有16.8人。為了令上市委員會更有效率地運作,我們建議上市委員會需要訂下一個法定最低要求人數(Quorum)。若個別委員有一定缺席會議的次數,上市委員會可設機制更換委員,以達至上市委員會在獲得足夠代表性下舉行會議。</div>
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d. 根據諮詢文件所述,上市監管委員會之主要工作是負責審批由上市部或上市委員會擬定為LRC IPO的個案。上市監管委員會不會負責審核非LRC IPO 的個案,亦不會要求上市部或上市委員會呈交非LRC IPO 給上市監管委員會審核。而證監會將不再常規性地就新申請人的法定存檔另行發表意見。在此建議中的新架構内,如果上市部及上市委員會沒有擬定任何個案為LRC IPO個案,那證監會是否在整個審批決策過程上毫無角色? 若然如此,這改革建議又如何應對諮詢文件中所提及「確保制度跟隨市場發展」,「加強協調監管工作」呢?</div>
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我們認為證監會有需要盡早加入審批新股上市之過程,但無需另設一個上市監管委員會。證監會直接派員加入現時的上市委員會就可以了,而上市委員會的總人數可按比例增加。</div>
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我們明白到良好的上市審批程序對保障投資者利益及加強香港金融業的競爭力是非常重要。就這個目的我們認為上市架構改革是有需要的。此改革將為未來上市申請之批核過程帶來莫大影響,亦會直接影響市場上金融機構的業務。因此,改革必須獲得業界及 投資者的廣泛理解及支持才能順利推行。 我們認為證監會及港交所必須盡力收集業界及投資者不同的意見,細心考慮改革建議中的方向及細節,絕不能倉猝推行。除了對新上市申請有嚴格審批程序外,公司上市後的監管亦同等重要。希望港交所與證監會能衷誠合作,解决分歧,携手為保持香港金融市場競爭力及保障投資者利益而繼續努力。</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-47740114400243557602016-11-15T11:54:00.000+08:002016-11-27T12:00:07.214+08:00<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
2016年行政長官選舉委員會界別分組選舉的提名名單已經公布。金融界及金融服務界在選委會中各佔有18席。金融界有18名參選人,如無意外將會全部自動當選。金融服務界則有33名參選人。參選人名單可在附圖或下列網站找到。</div>
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金融界: <a href="http://www.elections.gov.hk/ecss2016/pdf/ST_c.pdf" rel="nofollow" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;" target="_blank">http://www.elections.gov.hk/ecss2016/pdf/ST_c.pdf</a><br />
金融服務界: <a href="http://www.elections.gov.hk/ecss2016/pdf/SU_c.pdf" rel="nofollow" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration: none;" target="_blank">http://www.elections.gov.hk/ecss2016/pdf/SU_c.pdf</a></div>
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「思言財雋」重申現時的特首選舉方法是極不民主及缺乏廣泛代表性的小圈子選舉。金融從業員是沒有個人投票權的。兩個界別一共36位委員並不能真正代表金融業界的意向,充其量只代表業界一小撮人甚至只是他們自己個人的政治意向。</div>
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我們要求來屆特首重啓政改,並且拿出誠意諮詢全香港市民對政改的意見,令香港人能全面普選行政長官及立法會,解決現時社會嚴重撕裂、議會失效的死局。</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-50440556127408474852016-11-07T11:53:00.000+08:002017-01-11T09:28:38.740+08:00<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtt2yn0HPUgIJazDBz2t8IxbeXFcO1IR-6Ust179V89vsv7xjjvUp3LCcJjrUsksFp0oPEU0JiAmtdJ7_6MksF-9ObT2TjKFHoD0EUH0XfehhtEV5nzVtu2C9lJVfmHqLk0luKlK0zKaY/s1600/14956062_1318009024911012_6171589682166911336_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="404" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtt2yn0HPUgIJazDBz2t8IxbeXFcO1IR-6Ust179V89vsv7xjjvUp3LCcJjrUsksFp0oPEU0JiAmtdJ7_6MksF-9ObT2TjKFHoD0EUH0XfehhtEV5nzVtu2C9lJVfmHqLk0luKlK0zKaY/s640/14956062_1318009024911012_6171589682166911336_n.jpg" width="640" /></a></div>
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思言財雋對全國人大常委會今日就基本法一百零四條釋法表示憤怒及遺憾。我們認為此舉是以「釋法」為名、「修法」為實,不但破壞香港法治,更會慢性摧毀香港作為金融中心的競爭力。</div>
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對於今日坊間指恒指上升為金融市場支持釋法一說,思言財雋認為是無稽之談。大市今日上升主要由於早前累積一定跌幅,加上受惠於美國利好消息,因而在好淡爭持後收市上升。釋法會打擊法治,長遠破壞香港金融市場,最終反映在公司的股價上。</div>
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另外,對於匯控行政總裁歐智華指釋法對香港營商環境影響不大,思言財雋認為有關言論忽略了法治被破壞對香港造成巨大無形傷害,而這從不少外國媒體今天皆以顯著篇幅負面報導釋法可見一斑。再者,我們亦認為歐智華的言論是建基於匯控在國內龐大既有利益。</div>
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思言財雋重申反對釋法,會努力與公民社會一起守護香港法治。</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-10038196740062813572016-11-05T11:51:00.000+08:002016-11-27T11:52:04.675+08:00强行釋法<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
釋法看似很政治,與投資及經濟無關,其實不然。今次人大委員以杜絕「港獨」為由主動要求釋法。此例一開,以後北京亦可以用任何政治原因在任何領域去再次釋法。若你說自己只關心「揾食」及投資,釋法之舉正正是在破壞「一國兩制」,在慢慢蠶食所有市民及投資者對香港的信心及資產價值。你,仍然認為可以不聞不問嗎?</div>
思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-50311343786953527362016-11-03T11:48:00.000+08:002016-11-27T11:51:13.014+08:00業界投稿 -【一個金融人抽基督教選委的經歷】<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjONYtHFI46h1JmRIQRGLm5eXkzrUf88y_0af9Iqb9dPaT3pCTTyxL7ezPe-kCm35LmQyscjLNJzqRl1q1XMauu_5CqO6JzMllylj7qH0XYV6AnrjJHfMbXXG4W6ysgt6t5tEQO4Pr2Ojo/s1600/14962756_1313676485344266_2810634142348670103_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjONYtHFI46h1JmRIQRGLm5eXkzrUf88y_0af9Iqb9dPaT3pCTTyxL7ezPe-kCm35LmQyscjLNJzqRl1q1XMauu_5CqO6JzMllylj7qH0XYV6AnrjJHfMbXXG4W6ysgt6t5tEQO4Pr2Ojo/s640/14962756_1313676485344266_2810634142348670103_n.jpg" width="640" /></a></div>
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我是一名關心社會的金融從業員,適逢明年3月特首選舉,因此很希望進入選舉委員會投下神聖一票。但原來要做金融服務界選委著實不易,若不是愛國愛港的金融人,便最好是有1000萬元的老闆,先買下一間金融公司取得參選資格。可惜我是「長期糧尾」、朝不保夕,正想放棄之際,突然靈機一觸,心想自己好歹也是基督教徒,選委中不也有10席基督教代表嗎?正!誰知基督教選委的制度同樣不公平。</div>
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現時基督教選委由基督教協進會負責產生,它設計的方法如何不公平?讓我作 一個不太完美的類比,若香港不同教會是各快餐店集團,而教徒是快餐店員工,那每名員工有以下方法參加抽籤:</div>
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(一) 找20名同事提名自己(員工隊)<br />
(二) 找自己工作的分店提名自己(分店隊)<br />
(三) 找外賣盒、餐紙等飲食業相關公司提名自己(外判商隊)<br />
(四) 找集團董事會提名自己(董事隊)</div>
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要注意</div>
<a name='more'></a>上述分店、外判商、董事會都只可以提名一個人,而每條隊無論多少人報名,在首輪抽籤都只可抽出10人進入第二輪抽籤,然後在進入第二輪抽籤中最多40人中抽出10個成為選委。大家可以想到結果將會是能夠得到董事會提名的只有董事,而大量前線員工只有參加員工隊,變相令前線人員的機會減少,令有權勢的人多點機會成為選委。<br />
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但這跟金融人又有什麼關係?關係可大了:一,這個制度抽籤出來的選委將會決定下任特首是誰,而他將主宰香港未來;二,這明顯不公平的制度違背了香港金融界一直信守制度公平的原則。</div>
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說回我的抽籤經歷,因為我不認識外判商,更不是董事,唯有希望晉身分店隊增加勝算。我先寫了14頁的申請信向分店經理報名,但因店內還有同事希望參加,分店經理決定要先作內部抽籤,而結果是我輸了,得不到分店提名。因此我只好找20名同事提名我參加員工隊,好不容易找夠了,還要填一份「水蛇春咁長」的報名表格,再告半天假按規定親身交表。</div>
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結果呢?在上周日抽籤中我未能在員工隊中被抽中,行人止步。抽不中倒沒有什麼失望,因為說到底只是碰運氣,不過我氣結基督教協進會設計的制度不公平,偏幫有權有勢的人;我亦感到無奈,因為金融界選委只有公司票,設計更封閉;但更令我大惑不解是,明明應該屬於每個人的特首選舉權,為何我如此費勁仍然遙不可及?</div>
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阿柒 @ 思言財雋</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-75081553960255253282016-11-02T11:42:00.000+08:002016-11-27T11:51:00.232+08:00業界投稿 -【換到特首,天下太平?】<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
筆者上星期同一班金融老死食晏。吹吹吓水又再講到近日政圈熱話特首「跑馬仔」。大家都覺得今屆特首選舉花生指數甚高。作為金融從業員,我哋哽係想揾個識得金融經濟而個人性格又開通嘅候選人做下屆特首啦! 尤其係今年金融界普遍慘淡經營,有好多行家飯碗不保,成個社會又撕裂又寸步難行。再咁落去,成班老死都話唔換特首,肯定「冇運行,移民喇!」</div>
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所以一聽倒hea咗十年嘅財爺"to run"呼聲愈嚟愈高,近日仲傳出金管局總裁陳德霖都有意想跑埋一份,咁未來5年仲唔係金融界嘅天下!?</div>
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但係諗深一層,大家嘅興奮其實只能夠好似觀眾睇好戲咁。場「跑馬仔」大家全部冇份落注,因為成班老死雖然個個位高權重,但都唔係銀行大班或者經紀行老闆,連代表金融界同金融服務界嘅選委競選都冇份投票。若果最後財爺真係有「習大大」祝福做倒特首,佢點都只係由1,200人嘅選舉委員會選出嚟,咁究竟到時佢係同「習大大」、選委會、定同香港市民交代呢?</div>
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呢個問題一眾金融人當然都啞口無言,事關大家都知道</div>
<a name='more'></a>依傢個制度係畸形嘅,特首只係由千二人選出嚟,有冇需要同全香港七百萬市民交代呢? 筆者只係擔心,若然「習大大」最後真係慈悲為懷,俾金融人至愛財爺坐正,香港人會唔會就咁收貨,以為自此會天下太平?<br />
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下星期若Donald Trump 爆冷當選,美股可能會跌一輪,但係各金融才俊會唔會從此唔買美股美債呢? 美國有嘅係完善嘅制度,所以衰完可以彈翻起身。至於香港,政治制度一日唔改革,唔能夠真正還政於民,邊個做特首最後都可能由當初嘅萬千寵愛變成千夫所指。所以各位金融才俊,千祈咪以為財爺坐正就乜都攪掂,又可以繼續做番個「離地政治盲」。香港冇一個真正公平嘅普選制度,到最後大家可能都只有無奈講句:「冇運行,移民喇!」</div>
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阿灰@思言財雋</div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0tag:blogger.com,1999:blog-6745959936282534881.post-81946688975876975542016-11-01T11:41:00.000+08:002016-11-27T11:41:56.579+08:00要做生意,抑或要規矩?<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
張華峰議員建議,中國個人客戶在香港證券公司開戶,可由面對面申請轉為網上辦理。張議員認為此舉可為本地證券公司大大提高商機。據報導,張議員已經與證監會取得共識。</div>
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我們當然歡迎張議員為業界謀福祉,不過此建議,與香港監管機構一向強調的開戶人身份認證,及相關的預防洗黑錢措施,似乎大相逕庭。</div>
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--不知道張議員及證監覺得,在「做生意」尤其中國大陸人生意,及有規有矩之間,那樣較重要?</div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">http://www.scmp.com/business/companies/article/2041632/financial-lawmaker-calls-sfc-relax-rules-restricting-hong-kong</span></span></div>
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思言財雋 Financier Consciencehttp://www.blogger.com/profile/04096200230731994268noreply@blogger.com0