香港銀行擠提事件歷史

garywk

回復 張家輝 #43 的帖子

Banker and tax collectors are the most greedy industries in the world

kingofjohn2004

第十次 係互聯網的惡作劇

張家輝

kingofjohn2004 發表於 2012-9-22 16:11

                               
登錄/註冊後可看大圖

第十次 係互聯網的惡作劇

即係比人特登係網上抹黑 ?

GIRLAV

一個好的銀行歴史回雇。
各位認為最好放銭去辺間銀行0尼？

張家輝

GIRLAV 發表於 2012-9-23 11:01

                               
登錄/註冊後可看大圖

一個好的銀行歴史回雇。
各位認為最好放銭去辺間銀行0尼？

我覺得一般往來戶口, 而家放有銀聯提款既銀行好過hsbc/恆生, 因為唔洗排咁長龍~

美儀小屋

GIRLAV 發表於 2012-9-23 11:01

                               
登錄/註冊後可看大圖

一個好的銀行歴史回雇。
各位認為最好放銭去辺間銀行0尼？

儀妹想聽聽哥哥你的意見先，可做參考嘛

GIRLAV

回復 張家輝 #48 的帖子


提款機是否排長龍都係其次。
我主要選択係是否多分行方便自己、服務質素(如職員態度、服務是否多元化)等因素。
以下是我対使用１間銀行的経歴

以前我曽使用過１間発銭紙的銀行、第１次申請信用Ｃａｒｄ自動過数、發信来通知成功、但過数当日未能成功、去分行問原因、櫃台的職員超級無礼、好似呉Ｘ想処理０甘！
第２次是過数年後開戸口出人工、０甘簡単的事情境然有資料上錯誤、需要我去分行提供返資料。
我感覚連0甘基本的事情都処理不好、経過此２件事情後、我以後都呉Ｘ再用依間銀行的服務。

張家輝

GIRLAV 發表於 2012-9-24 11:00

                               
登錄/註冊後可看大圖

回復 張家輝 #48 的帖子

係渣住你黎打嗎 ?

GIRLAV

回復 張家輝 #51 的帖子

0合！
点解一念就念這間？
幕非前輩都有同様経歴？

張家輝

GIRLAV 發表於 2012-9-24 12:09

                               
登錄/註冊後可看大圖

回復 張家輝 #51 的帖子

0合！

領教過佢地D超好服務態度~ 所以你一講我就諗係佢~

garywk

For my opinion, it is subject to the service you want and the size of your account, i.e., how much money, assets do you have.

If just a payroll account HS or BOC is fine.  Never try HSBC or SC.

It you need counter service, HS is good at it.  

But as time goes by, most banks target to the profitablity of everyone account.  

Small customers have no service, please try through internet or ATM for banking transactions.  

For customer haviing a mortgage, it will be better but also subject to loan size.  It would be better if you bank with local banks or small banks since their customer basis is comparativelly not so much.  Relationship managers and branch managers are eager for new business and are willing to offer better service.

For SME customers, if you asked for clean lending, HSBC,Citibank, BEA, SC are also offering good lending.  But please do not expend an good service.  They offer money lending at high interest rate, not service.

We must know that banking industry has only one purpose of their business.  MAKING MONEY AS MUCH AS POSSIBLE.  Service is only one of the tactics for manking money.

If you are rich, all kind of services can be offered.

If you have no money but able to pay interest and service charge, limited service can be offered.

If you have no money and no earning ability, please try the service of Social Welfare Department.

張家輝

garywk 發表於 2012-9-24 14:41

                               
登錄/註冊後可看大圖

For my opinion, it is subject to the service you want and the size of your account, i.e., how much m ...

即係如果你係果D咩萬用優越理財戶口咪好好多囉~ 一般in & out a/c ? 唔該自己去襟機仔或自己搞網上理財啦~ 有野唔該請先填表 !

garywk

回復 張家輝 #55 的帖子

Yes!  

that's right!

If you are not looking for face to face service,  these kind of services are good enough.

But remember, bank transfered all the tranactions risk to yourself.  Since you key in all the instructions through ATM or internet, all errors appeared are not the responsibilities of the bank.

張家輝

garywk 發表於 2012-9-24 17:04

                               
登錄/註冊後可看大圖

回復 張家輝 #55 的帖子

Yes!  

咁請問老人家咁點算呢 ?

garywk

回復 張家輝 #57 的帖子

HSBC has special counter for diabled and senior customer.

But it is only a separate queue.  They still need to queue.

張家輝

garywk 發表於 2012-9-24 17:36

                               
登錄/註冊後可看大圖

回復 張家輝 #57 的帖子

HSBC has special counter for diabled and senior customer.

唔係間間branch都有掛~

garywk

回復 張家輝 #59 的帖子

of course not lar.

It is for image building only.

In fact, a large branch can open counters for different customers.  Therefore, they can make such arrangements.

張家輝

garywk 發表於 2012-9-24 18:01

                               
登錄/註冊後可看大圖

回復 張家輝 #59 的帖子

of course not lar.

原來只係做戲.......... i'm sorry~

garywk

回復 張家輝 #61 的帖子

I'm sorry too.

This is the business world.

In the old days, bank staffs in branch are seldomly transfered to other branches.  Therefore, they were very familiar with the customers in their own district.  Due to long time relationship, bank staffs must naturally paid special attention to senior customers and big customers.  

As time goes by.  For a healthy development of HR management and control of a bank, there must have job rotation within branches ad departments.  Staffs from tellers to branch managers are to be transfered from time to time.  It does not affect those valuable customers since all branch managers and front line staffs must be know them.  They need new business or good relationship with those big clients.  However, the senior and minority are suffered. Since they are not have no relationship with new staffs and are not valuable to new staffs.

何善衡先生, one of the founders of Hang Seng, was very eager to build up person to person relationship between bankers and customers.  It was the culture of HS.  In the early year, bank staffs were requested to name every customer when they got into the branch.  And this is the tradition of Hang Seng But it is now decolouring.  I was not a staff of Hang Seng.  But they formerly played a good and important role of being a good bank of a community.  Many local banks and Chinese banks learnt a lot from him.

Nowadays, it is not cost effective, or even too luxury, for a bank to build up such image.  Tailormade service is only available for top rank customers.  

Money Money Money

張家輝

garywk 發表於 2012-9-24 18:20

                               
登錄/註冊後可看大圖

回復 張家輝 #61 的帖子

I'm sorry too.

都係以前D銀行分行做法有人情味D, 入到去個個都識, 歸屬咁都大D, 有事幫襯都有信心D~