我在大學主修經濟及商業管理。1972年畢業後，我先在本港一家會計師事務所擔任稽核工作數年，其後加入海外信託銀行稽核部。在稽核部期間，我主要協助審核總行及分行的存貸款業務與管理運作。日常接觸的文件包括按揭、透支、押匯以及相關的法律文件與授信批核文件。透過三年的實務經驗，我有效地掌握了銀行的整體運作，並吸納了相關專業知識，這為我之後四十多年從事銀行及財經工作的發展奠定了堅實基礎。
1975年，海外信託銀行與日本大和銀行（The Daiwa Bank）在香港合資成立大和海外財務有限公司（Daiwa Overseas Finance Ltd.）。1976年，為拓展香港業務，大和海外財務急需招聘本地華人職員，協助日籍管理層開展業務，並引入香港慣常的銀行操作模式。翌年（1977年）2月14日，我由海外信託銀行被調派至大和海外財務，專責押匯、信貸及業務推廣工作。
由於我在海外信託銀行稽核部接觸的多為各部門已處理完畢的文件，進行事後挑剔性審核，對審核前的流程與實際操作了解有限。而大和銀行在港開業初期尚未適宜大量招聘人員，各部門日籍主管亦需時間熟悉香港銀行慣例。他們認為我既由海外信託銀行調來，應能提供協助，因此自然對我有所倚重。
### 惡補押匯與貸款知識
上班首日，我心情頗為緊張，擔心日籍總經理會立即指派我處理不熟悉的工作。幸好他首先要求我擬訂一份業務發展計劃。自那一刻起，我迫不及待地開始惡補押匯及貸款的流程操作。幸運的是，公司內有一位剛從海外信託銀行退休的梁先生暫時駐守，他是資深的押匯專家。經過兩週的密集魔鬼訓練，我才逐步跟上進度。不到兩個月，我的工作已步入正軌，並成功將海外信託銀行部分操作模式引入大和。
### 培訓與業務拓展
自此，我透過日常實務累積經驗，進一步充實金融財務的知識根基，在信貸管理、押匯及業務推廣方面獲得深入體會與心得。1982年至1990年間，我先後獲香港專業管理協會（Hong Kong Management Association）、中國銀行培訓中心、大華銀行（United Overseas Bank）、中華進出口商會、香港理工學院等機構及社團邀請，講授銀行業務相關課程。期間，我與數位專業人士共同創立PMC管理顧問協會，專注於培訓及專業知識交流。我與夥伴亦常獲社團及學術機構邀請作專題演講。公司管理層對我的培訓工作給予大力支持，因這有助提升大和銀行的知名度並拓展更廣泛的人脈關係。
### 處理大型地產融資項目
早期，我曾參與數宗大型地產融資項目。其中一宗為銅鑼灣告士打道英美煙草（British American Tobacco, BAT）倉庫重建的地產銀團貸款。該項目由長江實業、新鴻基地產及新世界發展於1975年聯手購入並發展，落成後命名為「伊利沙伯大廈」。發展商當初為新廈命名頗費周章。當時英之傑集團購入六層樓面，原擁有命名權，但最終放棄以「英之傑大廈」命名，改以英國女皇名字命名。地面層用作零售及陳列室，包括代理英國著名St. Michael百貨及太平地毯；汽車陳列室則有豐田、萬事得、積架及勞斯萊斯，為告士打道首批汽車展銷據點。
### 總結
歲月如歌，隨著時光流逝，當年為航運業提供貸款的日子，如今回顧，充滿波折與挑戰。船舶貸款猶如那些曾經乘風破浪的輪船，滿載過往的榮光與辛酸，如今只在記憶深處靜靜迴響。而大和銀行，經歷無數潮起潮落，依然穩健前行，繼續書寫屬於自己的歷史篇章。
若您希望對上述內容進行修改、補充細節、或討論相關銀行業發展議題，請隨時告知。我將以同樣正式、精確的方式回覆。
I majored in economics and business management at university. After graduating in 1972, I worked as an auditor in a local accounting firm in Hong Kong for several years, before joining the audit department of Overseas Trust Bank. In the audit department, my role involved assisting in the review of deposits, loans, and management operations across head and branch offices. The documents I encountered daily included mortgages, overdrafts, bills of exchange, and related legal and credit approval files. Through three years of practical experience, I effectively learned the general operations of a bank and absorbed relevant knowledge, which enriched my subsequent development in banking and finance over more than forty years.
In 1975, Overseas Trust Bank and The Daiwa Bank of Japan established a joint venture in Hong Kong called Daiwa Overseas Finance Ltd. In 1976, to expand its operations in Hong Kong, Daiwa Overseas Finance urgently needed to recruit local Chinese staff to assist the Japanese management in business development and to introduce standard Hong Kong banking practices. On February 14 of the following year, I was seconded from Overseas Trust Bank to Daiwa Overseas Finance, where I was responsible for bills of exchange, credit, and business promotion.
Since my exposure in the audit department at Overseas Trust Bank had been limited to auditing documents that had already been processed by relevant departments—followed by critical reviews—I lacked understanding of the pre-audit processes and operations. In its early stages in Hong Kong, Daiwa was not yet ready to hire a large number of staff, and the Japanese department heads needed time to familiarize themselves with local banking practices. They assumed that, having been seconded from Overseas Trust Bank, I could assist them, and naturally placed some reliance on me.
### Intensive Training in Bills of Exchange and Loans
On my first day at work, I felt quite anxious, fearing that the Japanese managing director might assign me tasks I was unfamiliar with immediately. Fortunately, the director instructed me to prepare a business development plan. From that point, I eagerly sought to intensively study the processes for bills of exchange and loans. Luckily, the company had a recently retired Mr. Leung from Overseas Trust Bank temporarily stationed there. Mr. Leung was a senior expert in bills of exchange. After two weeks of rigorous training, I caught up. Within two months, my work was on track, and I successfully introduced parts of Overseas Trust Bank's operational model to Daiwa.
### Training and Business Expansion
From then on, I accumulated experience through daily practical work, further solidifying my knowledge and foundation in financial matters. I gained deep insights and expertise in credit management, bills of exchange, and business promotion. Between 1982 and 1990, I was invited by various institutions and organizations, including the Hong Kong Management Association (HKMA), the Bank of China Training Centre, United Overseas Bank, the Chinese Importers' and Exporters' Association, and Hong Kong Polytechnic, to lecture on banking operations. During that time, I co-founded the PMC Management Consultants Association with several professionals, focusing on training and professional knowledge exchange. My partners and I were also invited by community and academic groups to deliver specialized lectures. My training efforts received strong support from the company's management, as they helped promote Daiwa's visibility and build broader relationships.
### Handling Large-Scale Real Estate Financing Projects
In the early days, I also managed several large-scale real estate financing projects. One of them was the syndicated loan for the redevelopment of the British American Tobacco (BAT) warehouse on Gloucester Road in Causeway Bay. This project was acquired and developed jointly by Cheung Kong Holdings, Sun Hung Kai Properties, and New World Development in 1975, and upon completion, it was named Elizabeth House. The developers initially struggled with naming the new building. At the time, Ying Chi Kit had purchased six floors and thus held naming rights, but ultimately opted against naming it Ying Chi Kit Building and chose to name it after Queen Elizabeth instead. The ground floor was used for retail and showrooms, including agencies for the renowned British St. Michael department store and Tai Ping Carpets, while the automobile showrooms featured Toyota, Mercedes, Jaguar, and Rolls-Royce—among the first to establish presence on Gloucester Road.
### Summary
Time passes like a song; as years flow by, those days of lending to the shipping industry now seem filled with ups and downs and challenges. Ship loans, like the vessels that once plowed through ocean waves, carried past glories and hardships, now echoing quietly in the depths of memory. Meanwhile, Daiwa Bank, having weathered countless tides, remains steadfast and continues to write its own historical chapters.
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