股票行要求經紀入職時簽擔保客人走數同意書

The answer is no. Even this ends up in the court, the judge is going to throw away the case.

1. Due to securities licensing law, a licensed person must be sponsored by a license corporation.

So the excuse of "self-employment" will not stand at all.

(Your "employer" tries to use this to evade MPF contribution.)

2. The corporation is the custodian of all securities, not you. You are simply the agent between the corporation and clients. Since you don't create the debt, how can you be responsible (unless you are the co-signer)?

Bottom line - it is better to find another job.

2014-07-22 15:52:59 補充：
I agree the answer is meaningless until there is something happens.

However - you have to understand the reason why a licensed securities personnel has to work in a licensed firm.

Based on the licensing requirement, the SFC has given some answers out already.

2014-07-22 15:54:04 補充：
Also - if that works, why not all the banks take the same approach? In that case, the banks will be freed from liabilities, right?

So I will not say it is an one-sided answer.

2014-07-22 16:55:43 補充：
Not necessary true.

1. The agreement is ambiguous. When I am a client and I execute a margin transaction, I know how much the firm has margined to me, which is my liability to the firm.

However, the agreement does not have a set limit. The liability can be as much as tens of millions.

2014-07-22 16:58:04 補充：
So if I am the new employee, I will be potentially liable for an amount I don't even know how much. Definitely, no court will allow these kind of blackhole contracts.

2. Some bank have designated a staff for a particular client.

簽 SELF EMPLOYED 原因是你不是受僱, 沒有薪金, 所以自然是自僱人士。

至於要簽"如果客人未能還錢/走數, 公司可以向經紀追討餘額 "這一條, 是一般證券行慣常做法, 而且可以說是合情合理的, 因為客戶是你介紹來的, 公司是不認識你的客戶, 只是為你向證監會註冊, 並且提供地點, 資源及人手向你提供服務, 從而賺取佣金回報, 假如你的客戶因投資損失而拖欠債務, 這是你個人絕大部份責任, 當然要向你追討, 至於全數抑或部份, 視乎個別證券行而定, 當然是要在入職前雙方談妥條件, 而且公司亦會視乎閣下能否在生意上能否達到其要求, 假如你是一名頂級經紀, 提出只負責半數責任, 相信公司亦會答應的。

本人相信你是有經紀牌的, 你應該知道證監會註冊人操守準則其中一條(5.1)(a)"認識你的客戶 ", 部份內容如下, 相信責任人的地位不言而喻吧!
(a)持牌人或註冊人應採取一切合理步驟，以確立其每位客戶的真實和全部的身分、每位客戶的財政狀況、投資經驗及投資目標。

有權.條款是合作協議的一部份去睇.

不平等?不見得wor,self employed的AE,唔係House AE wor!客都係你自己找回來的居多,公司好少畀客self AE跟,即使有,好多時是死A/C,想你active番,因落盤時放幾多數畀個客,你有好大話事權,為了佣,個position唔夠一樣照落,衰左穿窿又或AE串埋個客走數時如何處理先?

睇你咁問,你是新入行的AE?基本上間間都係咁簽的.通常真係走數,一般扣佣慢慢還la,加上一樣會照追個客既.都係想AE自己自律不會亂來.祝你好運了,現時做AE好難,佣又低,市又唔旺(成交少),除非本身有強大的客戶基礎(一係幾百個客輪住落,一係手中起碼有十個八個day trade客,又或超級大客,一單夠成個月)否則一係自炒(炒股),一係等被人炒(3個月做唔夠額炒人).現時好少walk in 客的了,有又要同其他人排隊分客,新客大都去哂銀行la.

其實現時經紀行做到好似保險咁,不斷請人,新人永遠帶到一些新客,你AE捱唔住走人,總有一些A/C帶唔走留係到.明嗎?

2014-07-17 13:56:51 補充：
那份賠償責任同意書是分開簽的,並非顧用合約的一部份.所以想賠300蚊了事,no way!

另外,其實雖然証券條例,AE under公司大牌,但其實self employed係似特許經營,地產行業也有類似模式.當然,AE有問題,個客是追討公司,不是追AE.但因AE之前願意簽承諾書在先,自然公司會追AE,同理,個客有事,公司首先會追個客,最後才追AE的.

問題是那份賠償責任同意書就像一份借貸的擔保,AE做了擔保人一樣.

2014-07-22 15:41:23 補充：
個答案沒有意義,發問者一廂情願相信和自己諗法的答案,到真係有事被追討,你的諗法可以成為抗辯的理由嗎?

2014-07-22 16:23:05 補充：
Gary,我明你說什麼,但那份擔保並非顧用合約的一部份,是額外和公司簽的一份agreement,你可以唔簽,但不簽不會請你.

公司是會追討客戶,但因客戶未能全數償債時,你之前簽的那份agreement就是願意承擔餘下的欠款責任,情況同做了借貸的擔保人一樣.

銀行怎樣同呢?銀行請的顧員,再加上銀行顧員並非指定負責某位客戶的戶口,和証券行大不相同,証券行也有house AE的,他們是食月薪+花紅的,他們也不用簽上述的agreement的.

2014-07-22 16:29:39 補充：
現實中,隨住互聯網化,其實証券行根本不用請咁多人手去替客戶"落盤",畀意見則更昰多餘,相方是互相利用關係,券行借經紀仔吸客,經紀仔借行牌做自己生意,所以才出現這些所謂"自顧"的怪合約和agreement出現.

那些新仔唔知頭唔知路才自投羅網,先問咁既問題.講佢又唔信,到出左事又想推責任.銀行,佢有冇本事入去做?

2014-07-22 18:33:02 補充：
又不是真冇上限的,本身券行會set一個最大limit.夠position也不能過的,而最終下盤時的limit是由AE決定.因為落盤時的margin是由AE有決定權的,所以為什麼相熟AE的重要,T+2唔找數會否立刻cut off的決定權.....並不是真的無底深潭.

對,銀行也有分派客戶給特定職員,但反而是看何種客戶,你街外的散客那有這種禮遇?加上銀行的規條嚴格好多,其實職員犯錯也要看是何種錯誤, in case,一樣可以有刑事責任,不止民事責任.

2014-07-22 18:33:26 補充：
問這問題的,他覺得自己是打"一份工",自然覺得條款不公平,對,如果你真是House AE,不會有這份agreement.但如果是自己生意去睇,這份agreement是否真的公平便自己衡量了.

證券業就是這種生態了.

只要沒有違反僱傭條例，僱主完全有權這樣做的；如僱員覺得條款不能接受，也有權選擇拒絕簽署，你情我願，沒有甚麼不公平的；