香港銀行擠提事件歷史

司加Q

最深刻果次當然係東亞銀行啦！

cheong141

時間: 2008年9月24日        
銀行: 東亞銀行
禾係對黎單有印象

maestro

而家政府應該夠錢保護我哋啲升斗市民。。。。啩

mr.lamb

原來有十次咁多

kenhk169

tung1871 發表於 2012-7-27 14:40
香港歷史上曾經出現過10次比較大既銀行擠提事件~~
有銀行因為咁而倒閉, 或者被接管, 又或者被其它財團吞併~ ...

I hope it will not happen again!

倫有

內容豐富,大開眼界!

passsol

tung1871 發表於 2012-7-27 14:40
香港歷史上曾經出現過10次比較大既銀行擠提事件~~
有銀行因為咁而倒閉, 或者被接管, 又或者被其它財團吞併~ ...

我現金同4台幣一樣, 全部跟身

魚魚

tung1871 發表於 2012-7-27 14:40
香港歷史上曾經出現過10次比較大既銀行擠提事件~~
有銀行因為咁而倒閉, 或者被接管, 又或者被其它財團吞併~ ...

好在次次都無我份

garywk

those were the days

thanks for sharing

張家輝

garywk 發表於 2012-9-19 10:02
those were the days

thanks for sharing

咁係咁多次發生係舊時代既事件當中, 你有冇直接或間接受影響呢 ?

garywk

回復 張家輝 #33 的帖子

not directly,

being a former bank staff, heard of closing of other banks felt no good.

But on the other hand, these cases strengthen the banking system in some area.

張家輝

garywk 發表於 2012-9-19 13:12
回復 張家輝 #33 的帖子

not directly,

即係話, 事每次事件之後, 都會另銀行體制進化得更鞏固嗎 ? 咁都算係從中吸取, 好事黎喎~

garywk

Ye in some area

but unfortunately, Lehman case still happened in HK.  

Individual investors and bank staffs are the victims.

The movie 奪命金, telling the story of a bank staff

張家輝

garywk 發表於 2012-9-19 15:54
Ye in some area

but unfortunately, Lehman case still happened in HK.  

好似何韻詩咁既情況係真實架 ?

garywk

The result is not the same.

But the pressure of all the front line staffs must be the same.

If you can hadle the stress with acceptable business done, you can get a reasonable rewards.

No pain No gain

Honestly speaking, a contract staff working in Government should also work hard for contract renewal.

It is the life.

張家輝

garywk 發表於 2012-9-19 19:00
The result is not the same.

But the pressure of all the front line staffs must be the same.

抱括以前sell迷債果班前線員工 ?

garywk

回復 張家輝 #39 的帖子

They are also victims of this case.  The HKMA & banks management should be responsible for that.  They approved and decided to sell those products to un experienced investors.  In fact, even experienced investors may also be misled.  Most of the front staffs were pushed to sell these products to all kind of clients.  Smart or lucky staffs can meet quotas with appropriate clients.  Some unlucky staffs cannot.  Some very unlucky staffs sold the products to some unqualitfied investors and there still some civil  cases outstanding.  Furthermore, the incentive for staff at that period was not so attractive compared with the incentive nowadays.

In fact, before the settlement proposal, many bank staffs had been worrying for more than two years.  Many of them felt sorry to clients.  But in fact part of the clients are also experienced investors.  But since the case is hot to media, they made pressure to frontline staffs regularly, just to maximize their % of compensation.  All the complaints, calls, visits were not handled by bank management or HKMA.  all were handled by the frontline staff.  

好多朋友日日俾人唔同人小,  小足兩年!   多間銀行都有心理輔導俾front line staffs

but who started this tragedy ????

張家輝

garywk 發表於 2012-9-20 10:57
回復 張家輝 #39 的帖子

They are also victims of this case.  The HKMA & banks management should be r ...

其實做前線都係受命於management, 佢地都好無奈~ 罪魁禍首根本唔係佢地前線呢D小角色~

garywk

回復 張家輝 #41 的帖子

But they suffered the most.

Most of the front line staff were sorry of the lose of clients.  But when they got to their office everyday and waiting for different victim clients calling them.  The feeling is very bad.  In the later stage, they should record all the calls with those victims in order to protect themselves.  It is just like a criminal.

Therefore, it brings the new guideline for selling investment products nowadays. Bank  Management invented questionaires of many pages, two bank staff witnesses the account opening, telephone enquiry for over 20 minutes with record.  All those procedures are apparently for protecting the front line bank staff.  But in fact, it is only for the protection of the bank themselves.

That is why the incentive of front line is better than before.

But bank is still the biggest profit taker.

張家輝

garywk 發表於 2012-9-20 11:23
回復 張家輝 #41 的帖子

But they suffered the most.

我感覺一切都係銀行想保障自己, 同時順便保埋前線員工~ 其實多勞多得咪算囉~ 做乜係都要push佢地要meet到某個target喎~