å ¨çƒä¿¡è³´åŠèªå¯ - The Hong Kong General Chamber of Commerce

What do businesses企 業 需 要 甚 麼 銀 行 服 務 ?The ever increasing trade opportunities with Mainland Chinese companies,liberalization of the Renminbi (RMB) and expansion of RMB productsin Hong Kong are bringing real benefits to Hong Kong companies,not least cost savings and simplicity of trading in the same currency. The growingdemand for RMB services is also causing businesses to re-evaluate if theyare getting the best out of their bank partnership.Susan Yuen, Chief Executive Officer,ANZ Hong Kong澳 盛 銀 行 香 港 區 行 政 總 裁 袁 素 明Why change banks?Susan Yuen, Chief Executive Officer for ANZ in Hong Kong, suggests businessesshould consider developing relationships with a number of banks.“There are a number of reasons for this, as a business grows, its requirementsalso change and sometimes it is sensible to have the support of more than onebank for large transactions,” she explained. “Also, given the current economicenvironment, some banks might be constrained by the level of support theycan offer, which also limits their opportunities to expand with customers. Therefore,it makes sense to have relationships with more than one bank.”Customer relationships & industry expertiseYuen stresses there should always be trust and honesty between both partiesin a relationship. Banks, for example, are commonly asked if they will supportbusinesses through difficult times.Yuen said ANZ does not enter into relationships for the short term; they arethere to work with their clients through good times and bad. However this doesnot mean they can grant every financing request, but as in all good relationshipsthere should be honest and clear communication.“Our approach is very relationship based – a little different to other banks. Wetake time to understand our clients and their business and then provide themwith insights to help them make the right decisions,” she said.“For example, many manufacturing and trading companies are concernedabout foreign exchange risks, interest rates, and the economic environment.We help these businesses by providing timely economic research, such as dataand insight on the economic indicators for Greater China, trade flows, moneyflows etc.”ANZ also has specific industry specialisations with help desks located in acrossa number of markets in the region to work closely with customers and offer insightsand advice on specific industries.