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Date Posted: 13:32:10 11/21/06 Tue
Author: No name
Subject: 大額「高息」存款利息竟少過紅簿仔

大額「高息」存款利息竟少過紅簿仔

在7月底,劉先生到西貢渣打銀行分行辦理存款手續時,一名職員向他推介高息存款計劃,表示存款10萬元或以上及為期一年,每年可享有高達6.5厘利息,他有感計劃吸引便即時參加。
 由於這計劃是每三個月派息一次,直至11月初,劉先生收到渣打寄來有關的派息通知書,赫見首三個月派息只得154.1元,完全不達6.5厘利率。他說:「冇理由10萬蚊只得150蚊利息,話晒定期存款,居然仲少過紅簿仔!如果照6厘利息計,一個月應該有500元先琚C」

職員推介有6.5厘息
 劉先生到銀行要求職員解釋,才了解這個屬於結構性投資系列,利息以每日計算且會隨時變動。他說:「我肯定職員冇講清楚,我一定唔會博,仲以為係普通定期,況且佢話資料寫得好清楚,但我睇勻都冇寫利率可變的字樣,如果利息要減來減去計出來,普通市民又點會睇得明。」

渣打銀行﹕與客戶圓滿解決相關事宜

渣打銀行發言人指出,早前推出「結構性投資系列-利率掛u」的保本類別產品,既可以保本,又有機會獲取較高利息回報。此產品以美元一年期倫敦銀行同業拆息(LIBOR)減美元三個月期倫敦銀行同業拆息之差距作為參考利率差距指數,年期一年。期內若此參考利率差距指數大過或特定水平,當日會以既定年利率計算利息。相反,若此參考利率差距指數細過特定水平,當日不會計算利息。由於倫敦銀行同業拆息受各種市場因素所影響,利息亦隨市況波動,客戶於到期日時能悉數取回本金。

事前已清楚闡述計算法
 發言人表示,在推出任何產品時均有清晰及嚴謹的指引給予前線職員,確保職員能向客戶正確及詳細解釋有關產品。有關劉先生的個案,經調查後發現職員已按照指引向他清楚闡述產品特色及利息計算方法,當中並無涉及不當行為或誤導。收到劉先生之查詢後,一直跟進,現已圓滿解決有關事宜。

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