Make HKONLINE Your Homepage!      |     Investment?! HKONLINE now!  
   
   
昨天送出金幣: | 過去三十天送出金幣: 15
Username: Password:
New Registration?
Forgot Password?
 
 
  1.16.2.1 Dec 01, 2018致函HKFI/IARB Chairman Chan Pui Leung跟進IA之Nov 26, 2018回覆信件
 
  2018-12-01
 

 

 

 

 from: St Lee to: complaints

[email protected],[email protected] cc: [email protected]Public Complaint

bcc: [email protected]yvonne.so@agen……

date: Dec 20, 2018, 5:48 PM

subject: 今日一開市,AXA再跌1.75%之多,肯定會進一步加速高盧人安盛之財務休克,置一眾中港保戶於萬險之中

公開信致:香港保險業監管局 鄭慕智先生,張雲正先生

地址: 香港黃竹坑香葉道41號19樓

電話: (852) 3899 9983

傳真: (852) 3899 9993

電郵: [email protected]

投訴查詢 市場行為部 電郵: 

[email protected]

 

尊敬的保監主席鄭慕智先生及總裁張雲正先生,                       2018 Dec 20


Dear Sir/Madam,

以香港公眾保戶利益為依歸,吾人、李偲嫣女士及公眾有識之士,再一次為民請願,希望保監保聯証監高層務必對高盧人安盛之財務表,有否造假,因此被Mutual Funds及圍內知情人士積極拋售避禍,但求甩身下,極可能短期內出現財務休克狀況,密切注意監察。

今日一開市,AXA再跌1.75%之多,肯定會進一步加速高盧人安盛之財務休克,置一眾中港保戶於萬險之中。

短期間崩掉市值一半,或二千多億港元市值,此潰而繼之後崩的狀況有如大廈之將傾,吾人等不可能聽任保監、保聯及証監優柔寡的不負責任方式處理,勢將以赤之心,肝膽如冰雪,一士諤諤於公眾面前,以群眾之力及量,但求力挽高盧人安盛財務休克於既倒。  

李重德謹上

副本:HKFI陳沛良主席 

image.png  
   
  5.1.1 Dec 20, 2018公眾再投函保監保聯,驚惶萬分於高盧人安盛市值跨掉過半,短期輸掉二千多億港元後,財務休克隱約已現。Nov 25, 2018公開信致函保監主席鄭慕智先生及總裁張雲正先生 十大理由質疑高盧人安盛之財務狀況 公眾要求緊急查証AXA最新財務表 以安以息眾多保戶無限憂慮疑團。 Dec 06, 2018以高盧人安盛財務狀況危急萬分事實,再電郵保監問AXA 2月底之暴跌了千億元市值孰令致之?P.  

 from: St Lee

to: complaints

[email protected],

[email protected]

cc: [email protected]

bcc: [email protected],

yvonne.so@a......

date: Dec 18, 2018, 3:18 PM

subject: 公眾也同時有憤怒的理由! 

5.1.1.5 高盧人安盛財務休克已有蛛屍馬跡可尋 【蘋果日報Dec 18, 2018報導,令人馬上聯想起夕陽殘照的高盧人安盛資金周轉不靈,故而戴定頭盔鋪準備好被索償時唔賠之路  P.     

 

 

鑑於高盧人因帳目造假被揭,致股價唔夠一年,就跌咗一半,亦即係無端端唔見咗大拿拿二千幾億。另歐元弱勢持續,雪上加冰,傷口洒鹽,財務休克隨時會出現,故此吾人、各保戶及公眾都昅實高盧人安盛倒台前的蛛屍馬跡。 

啱啱游緊水,享受久違的陽光,睇到上面兩則蘋果報導,嚇到即時跳番上水,發呢則報導及個人觀點(一人之心,亦乃中港千萬人之心),同各位分享吓。 

 昨日提過蕭定一間HMV嘅財務狀況與高盧人安盛同病相憐,難兄難弟,今日HMV就話清盤出事囉,之前HMV拖數拖租就係蛛屍馬跡。 

 依家高盧人安盛又開始使出輸打贏要絕招,戴定頭盔,話啲客人唔細閱文件保障內容致無得賠,擺明係拒賠前找藉口。 

文件係法律文字,唔係個個睇得明。你問番高盧人安盛嘅所謂頂尖財務代理咩,就好似以下隨手執起嘅例子:

Image result for legal action   â€œmalfeasance”的图片搜索结果    5.8 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.1) - Dec 01, 2018 以共長達1小時53分鐘高質確實錄音証據為憑,向IARB申請投訴高盧人安盛總監陳國基及代理劉華怡嚴重違規違法及故意作虛假陳述。 另往灣仔警察總部及海關報案有關保險公司及其保險代理長期蓄意預謀式企圖詐騙。 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前,通過IARB要求各機構公開書面解釋 P.     
 
Image result for legal action   â€œmalfeasance”的图片搜索结果   5.15 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.2) - Dec 01, 2018向IARB以總監陳德麒曾經或現時旗下三名保險代理共74分鐘高質確實錄音証據為憑, 向IARB申請投訴高盧人安盛及總監陳德麒嚴重違規違法故意作虛假陳述並教唆旗下代理及客戶虛假陳述及偽造明知虛假文件及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙,也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.   

Image result for legal action   â€œmalfeasance”的图片搜索结果    5.16 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.3) - Dec 01, 2018向IARB以陳德麒王桂英夫婦及女兒陳思慈曾經或現時旗下兩名保險代理共77分鐘高質確實錄音証據為憑, 向IARB申請投訴高盧人安盛兩總監陳德麒及王桂英及其女兒另一總監陳思慈三人共犯嚴重違規違法作明知虛假陳述及恊助或教唆旗下代理及客戶作故意虛假陳述及偽造虛假文件及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.   

Image result for legal action   â€œmalfeasance”的图片搜索结果   5.17 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.4) - Dec 01, 2018以Roy Cheung曾經旗下兩名保險代理37分鐘高質確實錄音証據為憑,向IARB申請投訴高盧人安盛總監Roy Cheung 嚴重違規違法虛假陳述及教唆或恊助旗下代理及客戶虛假陳述及偽造虛假文件及香港及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.    

Image result for legal action   â€œmalfeasance”的图片搜索结果   5.18 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.5) - Dec 01, 2018以本人與高盧人安盛投資相連基金部主管Daniel Lau 9分鐘高質確實電話錄音証據為憑,向IARB申請投訴高盧人安盛總投資相連基金部主管Daniel Lau, 嚴重違規違法虛假陳述及教唆或恊助陳國基劉華怡作虛假陳述。 另往灣仔警察總部及海關報案有關保險公司及投資相連部門人物蓄意預謀式作虛假陳述詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.   

搵高盧人安盛嘅特約經紀呢,經果就係以下咁樣:

 9.38 發奸摘伏 (四) 之 Dec 11, 2018投函保監 投訴AXA集團保險業務危害香港 揭高盧人安盛與康宏長期狼狽為奸、死性不改。保監証監無能無恥容忍高盧人安盛繼續詐騙中港澳台人民 Apr 27 - Dec 05, 2018 的故事 (有錄音錄影,備查) P.   

9.40.1 發奸摘伏 (七) 之高盧人安盛Swiss Privilege Feb 07 - Aug 03, 2018嚴重違規銷售的故事 (有Swiss Privilege客戶錄音,備查) 

 以上單單醜事髒事,吾人都有錄音或同時錄影,更有與高盧人代理電郵來往文字証據,抵賴無從,否則高盧人安盛肯肯定會打死狗兼恃財雄廢事懶啋你。 

保監、証監、HKFI呢,就乘機卸責話無証據      無得調查。 

你向保監投訴咩,佢推咗俾HKFI, 到依家連究竟HKFI係詐諦收唔到呢?定係陳沛良好眉好貌生沙蚤、精明臉但豬一樣的材料呢,完全唔知! 

國際及全港公認垃圾評級嘅平機會兩日就覆,仲有埋Ref. No.(咁樣人哋就知道佢哋跟進緊,安安心心地等);保監就要兩個禮拜先覆,但唔一定有Ref. No.,搏你怕麻煩而將件投訴事不了了之;HKFI就更攞命,Nov 26保監已經推俾佢,吾人亦在Dec 01以電郵文字跟進,但係到依家都完全無任何回應。 

HKFI來講,好似完全無任何事情發生過。 

究竟邊間機構先至係最垃圾公營機構呢?公眾依家就開始心知肚明! 

公眾也同時有憤怒的理由!

此刻吾人、李偲嫣小姐及公眾要求保監關國玲小姐,以文字公開証明保監及你曾否及曾幾何時何日,有轉達吾人及公眾投訴往HKFI? 

此刻另外,吾人、李偲嫣小姐及公眾也要求HKFI陳沛良回覆有否及曾幾何時何日,收過保監的轉達吾人多宗確鑿事實証據的投訴事項。如有,為何至今十八日之久,仍未有作出最初步的處理(即回覆已收到投訴並正在處理中,或告訴吾人及公眾Ref no.証明HKFI已在處理階段)。

 â€œresignation”的图片搜索结果如在本月聖誕節24日前仍無任何回應,吾人、李偲嫣小姐及公眾將以新聘用的公關公司Social Alliance,緊急召開記者會澄清界定保監或HKFI各主席誰人應問責自行辭職(李偲嫣小姐話約滿酬金唔使旨意有得攞,如果可以攞到就批佢個頭落嚟咁話喎,好認真咁講)。 

須知李偲嫣小姐在積極備戰下屆立法會選舉,久已躍躍欲試好身手,爭取政績。吾人一聲Okay,就可以繼續享受於研究「紅學」同埋「玉玲三命術」,無須催促打鞭,李小姐便會自動指揮旗下姊妹兵,衝鋒陷陣,誓掃奸邪不顧身,殺敵飲血而才還。 

  希望保監及關國玲小姐儘快示覆,好讓李偲嫣小姐及Social Alliance能認清誰才是敗壞政府機構名聲壞份子。 

 

李重德、李偲嫣小姐及中港公眾致意

from: St Lee

to: complaints 

[email protected][email protected]

bcc: [email protected][email protected], winson….

date: Dec 7, 2018, 10:57 PM

subject: Re: 檔號:MC/COMP/18/11/076 - 5.1.1 Nov 25, 2018公開信致函保監主席鄭慕智先生及總裁張雲正先生 十大理由質疑高盧人安盛之財務狀況 

致:保監關國玲小姐, 

一如牛頭角順嫂預測,今晚高盧人安盛股價又跌到阿媽都差D唔認得,前日話緊連毛夾屎,市值都有五百億歐元。

今晚呢刻就連毛夾屎加埋尿都唔夠五百億。陸叔陳永陸話齋,呢輪鬼死咁忙,就黎又過聖誕,過一排先至去屎坑摷番佢出黎喇!

但係公眾唔好以為班高盧鬼梗係面黑黑,愁對股價殘紅亂舞。剛好相反,班友有內幕消息知盤數造假,今年二月底已經沽貨 - 咁依家你地知高盧人安盛股價突然二月底幾日間暴跌十幾個百分點係「孰令致之」喇!

班高盧雄雞依家等再跌多20%先再入貨撈底,非常狡猾。

但係我地D塘邊鶴就唔好亂咁落手囉,因為萬一市場知道盤數造左假,就唔會一、兩個百分點咁跌,會係大大鑊咁跌,跌到你好似翁祐個新加坡老友咁顛左,跟住自殘,仲跳樓收場添。造假數呃公眾真係害死人。

咁快就唔記得1998年單俄羅斯國家債券造假帳件事?

唔講咁遠,講番劉特佐、Jeneration/Swiss Privilege有關之一馬基金千億國家盜竊案,最近幾日咪傳出前總理納吉布之前親自粉墨登場造假數呃國民,就知大到國家政府都可以造假數,咁高盧人安盛造假數又有乜出奇Jet

 

李重德及一眾受害於高盧人安盛保戶上

 

from: St Lee

to: complaints

cc: [email protected] bcc: [email protected],

yvonne......

date: Dec 7, 2018, 10:08 AM

subject: Ref. MC/COMP/18/11/076

image.png

高盧人安盛股價2018年12月6日收市再重挫 -3.28%,淨係呢幾日又唔見多幾百億,嚴重跑輸CAC及歐洲同類保險股。Mutual Funds機構投者於二月底盡沽盡棄高盧人安盛後,圍內人知情者支持者醒目錢態度是避此則吉,此異常現象事出必有因 - 造假帳終被揭露所累也

 

吾人及公眾保戶實恐高盧人安盛夕陽西下難再迴,香港保監已攬晒所有責任上身後,請務必留意蛛屍馬跡,保障小保戶利益財產為要。
 

  5.1.1 Nov 25, 2018公開信致函保監主席鄭慕智先生及總裁張雲正先生 十大理由質疑高盧人安盛之財務狀況 (IA Ref. MC/COMP/18/11/076) 公眾要求緊急查証AXA最新財務表 以安以息眾多保戶無限憂慮疑團。  Dec 06, 2018以高盧人安盛財務狀況危急萬分事實,再電郵保監問AXA 2月底之暴跌了千多億元市值孰令致之? P.      

 

 

from: St Lee to: complaints

[email protected][email protected]

bcc: [email protected], [email protected], [email protected]winson.ng@a.....

date: Dec 7, 2018, 12:42 AM

subject: Re: 檔號:MC/COMP/18/11/076 - 5.1.1 Nov 25, 2018公開信致函保監主席鄭慕智先生及總裁張雲正先生 十大理由質疑高盧人安盛之財務狀況 

致:保監關國玲小姐,

本人十分喜悅的收到貴局今天的電郵回覆,並留意到貴局檔號:MC/COMP/18/11/076。

本人及公眾更加感到鼓舞的,是貴局重申強調政府指令給予貴局之最重要任務之一為:「監管香港地域之保險公司財務狀況並確保是符合法例」。

本人及公眾不厭其煩的強調是:除了看呈交上貴局的表面財務表(無論是否經過審核),必須留意任何蛛屍馬跡顯示內容有否不同程度的蓄意造假成份,以保障公眾利益。本人刻意再三提示,乃因曾有財務表造假引起之刻骨銘心慘痛教訓如下述: 

“1998年初,本人任職並以Broker形式兼耕於一投行時,因受到經過IMF審核過的俄羅斯國家財務表造假的事實影響,結果害人誤人不淺。時吾人經當時基金藍籌愛股之一「Shell Electric蜆壳電器」第五太子爺翁國源先生介紹,認識其父翁祐主席,再經翁主席介紹給其新加坡好友名Andy Chua者,以平均價五十五美元開始大量購入約2000萬美元之俄羅斯國家債券,其後市場開始下跌,翁主席及其新加坡友人,以Dollar Cost Averaging原理敲進更多俄羅斯債券以攤平入價,並且逐漸擴闊槓杆效應至最極限。

他倆相信俄羅斯大到倒不了,所以越是市場盤跌,越是加碼增購增持。至同年八月,俄羅斯債券已跌至30美元左右,該新加坡友人已差不多接近瘋狂了,神經質語無論次至差不多要被強行送進精神病院。

再其後不到三星期的九月初,俄羅斯國債跌至8.5美元時,該新加坡友人無力再補倉,戶口被強行斬倉,損失數以幾億港元計,還要欠下一屁股的債項,結果短期內自殺收場。至於翁主席,幾年後也在渣甸山住所自尋短見結束自己寶貴生命。” 

此情此景猶歷歷在吾人之目之記憶,該情景也與現時安盛一眾保險代理在荒唐可笑的消防隊效應下,認為高盧人安盛大到不能倒的想法相類似,而局外人的客觀冷眼旁觀分析高盧人安盛財力,在沒有造假的假設下,其實也祇是碧桂園同級數之貨色而已。 

吾人當然擁有有關於高盧人安盛的財務報告表象資料,也有高盧人安盛不想貴局知道的資料。惟現時以閣下之今天信件為憑,吾人與公眾可以毫無疑點的確認閣下及貴局高層,已經將日後高盧人安盛有任何暫時認為無可能而一旦有所差遲的責任 “攬晒上身”,在此刻也不欲多言了。

但日後任何時刻,吾人及公眾若認為貴局有任何疏忽察覺不到、或被蓄意蒙敝、或有確鑿証據、或有足夠理由認為高盧人安盛有財務數據造假疑點並危害公眾時,當會即時挺身而出,以李偲嫣小姐為前鋒,大聲疾呼、摘伏除奸。 (吾人現時雖受高盧人安盛及該等Jeneration/Swiss Privilege江西走資洗黑錢幫威脅,旦夕有生命安全之虞,惟未思退縮。蓋人生在世能為公義盡一份微薄之力,勝未盡公民義務苟且多活十年也。) 

另之前吾人提及高盧人安盛為人工化造好Swiss Privilege盤數賣俾Jeneration Holdings幕後金主的江西走資洗黑錢幫,特意將高盧人安盛保險以割肉療親的方式涉嫌造假數字,又是否貴局職守監察範圍呢?吾人有此一問,乃純因高盧人安盛乃一保險業務為主的公司,表面初步印象是應由貴局干預的。

若此非貴局職守範圍,則請明確指出指引吾人應該如何處理才是最恰當呢 - 貴局在此一個別問題上的回應,愚意認為責無旁貸?!

願貴局一如既往為民勞心勞力作業回報廣大市民殷切厚望,繼續無畏地監察保險業界恃權貴及挾洋之名自重歪勢力份子。 

 

李重德及幾許公眾保戶上

副本呈:HKFI陳主席

P. S. 另剛看到一則與經濟是否衰退有關文章如下,若有所悟而再次懇請貴局勿對重大事故發生前的蛛屍馬跡掉以輕心。   

 

 

 

 

 

Sentiment Speaks: Is The Economy Heading Into A Recession?

 
|
 62 comments
 
 

 

 

 

 

 

  Summary

Economists are unable to foresee coming recessions.

The main reason is that they do not have forward looking tools to be able to identify recessions.

If you follow economists, you will likely miss the upcoming downturn in the market.

This idea was discussed in more depth with members of my private investing community, The Market Pinball Wizard. Start your free trial today »

Recently, one of my members of Elliottwavetrader was in attendance at the 32nd Economic Outlook Symposium hosted by the Federal Reserve Bank of Chicago. On the first day, he sat in a room with 150 economists. When asked how many see a recession in 2019, all of two hands went up.

So, let me ask you a question: When was the last time the majority of economists correctly called for a recession? (I think we all know the answer to this one).

In fact, economists are the last people to see recessions coming. And by the time they identify that we are in recession, especially mild ones, they are often just about over by the time they recognize it.

I have often quoted Professor Douglas (a former Luksic Scholar at Harvard University, former Deputy Research Administrator at the World Bank, and former Senior Economist at the IMF) many times in the past, but it certainly is worth the repetition:

“financial markets never collapse when things look bad. In fact, quite the contrary is true. Before contractions begin, macroeconomic flows always look fine. That is why the vast majority of economists always proclaim the economy to be in excellent health just before it swoons. Despite these failures, indeed despite repeating almost precisely those failures, economists have continued to pore over the same macroeconomic fundamentals for clues to the future. If the conventional macroeconomic approach is useless even in retrospect, if it cannot explain or understand an outcome when we know what it is, has it a prayer of doing so when the goal is assessing the future?”

Why does this happen?

Well, I have tried explaining this in detail in a past article, and you can always read it here if you want the further detail.

But, in summary, markets are driven by mass sentiment. When mass sentiment changes direction, the most immediate effect is investor buying and selling of stocks. That is why everyone recognizes the stock market as a “leading indicator” for the economy. But, it is not due to some form of omniscience. Rather, the most immediate manner in which investors can act upon their changing sentiment is by buying and selling stocks.

However, the fundamentals will significantly lag this effect. You see, it takes a lot of time between a changing sentiment and the point at which the delayed data begins to filter into the economist’s reports. In fact, it can be so delayed that by the time they have recognized that we are in a recession, we may be near its completion.

This explains why economists are often the last to be able to prognosticate a turn down in the economy well before it happens. This is even more true for their ability to predict a turn down in the stock market. Moreover, as Professor Douglas so aptly put it, they are often most bullish at the highs, and most bearish at the lows.

So, when one of my members reports that 2 out of 150 leading economists see any potential for a recession, that is something of which you should take note.

Allow me to give you a few more examples of economists who are/were quite certain of their economic perspectives.

Recently, Larry Kudlow, the Director of the National Economic Council, boldly exclaimed on television that "recession is so far in the distance, I can't see it.” Mind you, Mr. Kudlow made this statement just as the stock market began turning down.

Before Janet Yellen stepped down as the Chairman of the Federal Reserve, she said that the banking system is "very much stronger" due to Fed supervision and higher capital levels. She then predicted that because of the measures the Fed has taken, another financial crisis is unlikely "in our lifetime."

I see these economist’s perspective as being akin to the following:

"We will not have any more crashes in our time."

This was said John Maynard Keynes in 1927, two years before the stock market crash which lead to the Great Depression.

"Stock prices have reached what looks like a permanently high plateau. I do not feel there will be soon if ever a 50 or 60 point break from present levels, such as they have predicted. I expect to see the stock market a good deal higher within a few months."

This was said on October 17, 1929, a few weeks before the Great Crash, by Dr. Irving Fisher, Professor of Economics at Yale University. Dr. Fisher was one of the leading US economists of his time. 

"I cannot help but raise a dissenting voice to statements that we are living in a fool's paradise, and that prosperity in this country must necessarily diminish and recede in the near future."

- E. H. H. Simmons, President, New York Stock Exchange, January 12, 1928

"There will be no interruption of our permanent prosperity."

- Myron E. Forbes, President, Pierce Arrow Motor Car Co., January 12, 1928

And, these are just a few of the popular quotes of their day. And, by the way, has anyone heard of the Pierce Arrow Motor Car Company? You have not? Well, that is because they went bankrupt during the Great Depression. But, I digress.

As George Santayana wisely said, “those who do not remember the past are condemned to repeat it.” And, as Professor Douglas highlighted, economists have never learned from history.

My perspective remains that the market will likely drop down towards the 2100/2200 region in 2019/2020. You see, from an Elliott Wave perspective, that is the standard target for this degree correction that I am expecting to see within that time frame.

And by the time we approach those regions, the majority of economists will likely move towards agreement that we are in recession, just about the time when I will likely be viewing us as bottoming out in the stock market, and beginning to look back up to 3200+.

So, at the end of the day, if you are using economic indicators to determine your allocation to the stock market, you will most certainly be well behind the curve, and significantly under-performing the stock market based upon history. Will you learn from history, or will you be condemned to repeat it?

Housekeeping Matter

Please note that articles are now only being sent out to those who have chosen to "Follow" me. So, if you would like notifications as to when my articles are published, please hit the button at the top to "Follow" me. Thank you.

The Market Pinball Wizard

“There is NO BETTER analyst on the planet than Avi Gilburt's "The Market Pinball Wizard"!”

“Avi Gilburt is the single best analyst that I have seen!”

“I must say it is absolutely sick how you guys call virtually every turn in the market. This is just not normal. . . the annual subscription is a small part of the swing trading profits I’ve made.”

“I have been following you for a year and your accuracy is amazing. I am an old timer and I have never seen anything like it.”

Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.  

I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this

article.

from: St Lee

to: complaints [email protected]

cc: h[email protected] bcc:[email protected], [email protected], [email protected],

[email protected], [email protected], Whimsy.Fung@a...........

date: Dec 6, 2018, 3:17 PM

subject: 20182月底幾日間股價突狂跌十多百份點,市值驟然喪失千多億港元,孰令致之呢?

公開信致:香港保險業監管局 鄭慕智先生,張雲正先生

地址: 香港黃竹坑香葉道41號19樓

電話: (852) 3899 9983

傳真: (852) 3899 9993

電郵: [email protected]

投訴查詢 市場行為部 電郵: [email protected]

 

 image.png

尊敬的保監主席鄭慕智先生及總裁張雲正先生          2018 Dec 06                 

 

吾人不久前於上月25日,懇請香港保險業監管機構以公眾利益及職責所在著想,從速勒令高盧人安盛呈交最新財務報告,至今未獲告知檔案編號Ref. No. 以便公眾跟進,不明所以。 

image.png本人實有足夠理由公開懷疑此高盧國之保險公司已陷入萬劫難復結構性經濟財務困境如下: 

① 觀乎昨天Dec 05, 2018其股價,一如所料,再次大幅度下挫近3%之多,足證市場投資者已對高盧人安盛完全失去信心。今天開市在即,股價勢必繼續下挫,反彈無望可言,再跌多跌少的問題而已。

② 再者,2018年2月底幾日間股價突狂跌十多百份點,市值驟然喪失千多億港元,孰令致之呢

註: 高盧人安盛公司股權多由圍內人士及大型專業機構投資者持有,2月底暴跌時成交量猛升,顯然是圍內人對高盧人安盛之春江水是溫暖或還是冰冷先知的效應,101%肯定該暴跌斷斷不會是公眾散戶的沽售原因。

③ 香港保險業監管機構實有責任查究,至少最必要調查的是2月底數日間暴跌十多百分點、“無端” 輸掉市值千多億港元的內在原因,高盧人安盛必須有責任向監察監管機構及股東作出合理透明解釋。

④  吾人實有理由懷疑並相信是高盧人安盛造了假數,最先察覺的當然是以Mutual Fund持有AXA股份的專業投資機構或高盧人安盛內部知情人士之可說是內幕消息交易,果斷斬纜出售止血另戀愛別股是自然不過的合情合理投資市場行為。

⑤ 高盧人安盛嚴重跑輸大市,斯人獨憔悴,顯然斷非受一般經濟狀況榮枯循環之影響,極可能更壞(沒有最壞,祇會有更壞)的情況必將陸續出現。

⑥ 高盧人安盛公司基本財政狀況結構已是關河蕭索、殘照當樓;敗荷零落、衰柳掩映,秋風敗葉狂颷。前景堪虞,隨時有一瀉千里、潰而繼之後的崩之患。  

image.png
附以下三張有關高盧人安盛最新財務現狀及前景結構狀況呈交保監作最初步即時參考,本人也願以最謙卑謙遜態度,親身攜同多份已做好的高盧人安盛分析報告及可靠來源文件証明,到貴局要求指點後再提供專業分析理據及意見予公眾詢諮參考。 

公眾利益切身間題所在,吾人當盡拋盡棄所有對高盧人安盛之私人針對成見,實事求事、以舉証驗証為基本原則、祇對事實及公眾利益著想為單獨焦點而論事論高盧人安盛之安與危。 

謹在此與公眾寢食不安、焦急萬分引頸遙盼示覆。 

 

李重德及一眾高盧人安盛保戶上 

副本:HKFI主席

image.png
image.png
image.png

 

from: St Lee

to: [email protected]

cc: complaints

[email protected] bcc: [email protected],

yvonne.so@agency.........

date: Dec 5, 2018, 7:49 PM

subject: 5.8, 15-18 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.1-5) - Dec 03, 2018

To: HKFI

For the Kindest Attention of Mr. Chan Pui Leung, Chairman

Dear Mr. Chan,

My below 5 solid complaints with sound and concrete evidences dated Dec 01, 2018 refer.

May I expect to receive a courtesy acknowledgment from your office as usual and always please, so that I may feel comfortable to continue await your further guidance quietly and patiently ....

My Most Humble Regards,

 

Frank Lee

Image result for legal action   â€œmalfeasance”的图片搜索结果    5.8 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.1) - Dec 01, 2018 以共長達1小時53分鐘高質確實錄音証據為憑,向IARB申請投訴高盧人安盛總監陳國基及代理劉華怡嚴重違規違法及故意作虛假陳述。 另往灣仔警察總部及海關報案有關保險公司及其保險代理長期蓄意預謀式企圖詐騙。 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前,通過IARB要求各機構公開書面解釋 P.     
 
Image result for legal action   â€œmalfeasance”的图片搜索结果   5.15 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.2) - Dec 01, 2018向IARB以總監陳德麒曾經或現時旗下三名保險代理共74分鐘高質確實錄音証據為憑, 向IARB申請投訴高盧人安盛及總監陳德麒嚴重違規違法故意作虛假陳述並教唆旗下代理及客戶虛假陳述及偽造明知虛假文件及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙,也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.   

Image result for legal action   â€œmalfeasance”的图片搜索结果    5.16 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.3) - Dec 01, 2018向IARB以陳德麒王桂英夫婦及女兒陳思慈曾經或現時旗下兩名保險代理共77分鐘高質確實錄音証據為憑, 向IARB申請投訴高盧人安盛兩總監陳德麒及王桂英及其女兒另一總監陳思慈三人共犯嚴重違規違法作明知虛假陳述及恊助或教唆旗下代理及客戶作故意虛假陳述及偽造虛假文件及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.   

Image result for legal action   â€œmalfeasance”的图片搜索结果   5.17 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.4) - Dec 01, 2018以Roy Cheung曾經旗下兩名保險代理37分鐘高質確實錄音証據為憑,向IARB申請投訴高盧人安盛總監Roy Cheung 嚴重違規違法虛假陳述及教唆或恊助旗下代理及客戶虛假陳述及偽造虛假文件及香港及國內來客個人及/或公司帳目。 另往灣仔警察總部及海關報案有關保險公司及其保險代理蓄意預謀式詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.    

Image result for legal action   â€œmalfeasance”的图片搜索结果   5.18 政府保險業機構政怠法亂 Rehabilitation Complaining/Legal Action (11.5) - Dec 01, 2018以本人與高盧人安盛投資相連基金部主管Daniel Lau 9分鐘高質確實電話錄音証據為憑,向IARB申請投訴高盧人安盛總投資相連基金部主管Daniel Lau, 嚴重違規違法虛假陳述及教唆或恊助陳國基劉華怡作虛假陳述。 另往灣仔警察總部及海關報案有關保險公司及投資相連部門人物蓄意預謀式作虛假陳述詐騙 也在正式入稟法院投訴/平反/狀告張雲正、HKFI、保監、証監 及/或 IARB失職瀆職要求仲裁前 通過IARB要求各機構公開書面解釋 P.    

 被証據確鑿投訴、被現職及之前手下指証指控嚴重蓄意違規違法犯法的高盧人安盛、高盧人安盛旗下各總監及代理(包括行政部門),有多人已入行數十年、或本身就是高盧人安盛的長年訓練導師,有等更曾在HKFI獲獎,現時竟然仍可任職銷售前線、繼續訓練誤人誤初入保險行業者及仍然持有有效保險牌照,每日每月每年、重複又重複的不斷詐騙中港市民,同平機會被國際及港人批評的一樣,呢啲政府保險業監管監察機構究竟做咗啲乜。 

東方日報應該問埋保險業其它政府機構多年來“做咗啲乜”,唔應該淨係針對平機會,咁樣好唔公平。

漏報兼職賴助手 陳章明致歉 - 東方日報 4.5.2 眾口一詞 指斥怒駡劣跡斑斑高盧人安盛(十三) 之 【高盧人安盛濫權剝奪代理知情權損平機原則以掩醜 東方日報 Nov 20, 2018 當眾無情打臉 平機會陳章明誓以實幹實績還清譽】 P.  

中港市民可以想像多年來高盧人安盛及此等違法違規犯罪之總監及代理(包括行政部門)過去、現在與將來毒害中港市民之眾之烈。 

 

政府監管監察機構是否準備像白銀市連環殺人案"Green River Killer"一樣,讓此等壞份子逍遙法外多幾十年先做嘢呢?! 

 

 

“public opinion”的图片搜索结果所有確鑿文字、電郵、合法宣誓內容正確無誤之文件及錄音指控,將會陸續向公眾公開公佈或呈遞執法機關或有關法庭處理,一切會公開公平公正而透明的據實披露,讓有識之士及公眾自行判斷。 

 白銀市連環殺人案 案情簡介

 

1988年6月份至2002年2月份,白銀市出現了9起殺人案件,兇手專門選擇「身穿紅色衣服」的年輕女子(後經警察證實此說法並沒有依據)作為下手的目標,大部分作案時間選擇在白天,採用尾隨、盯梢或者長期觀察後,直接進入所選女子居住地,進行強姦殺害,或者殺害奸屍。兇手殺人後,都要切割受害人不同身體部位的器官或者組織帶走。

 

14年來已經有九名年輕女子被殺害,九起命案中就有兩起發生在水川路這條長度僅約200米的路上。21世紀初以來,白銀警方曾先後啟動全城查指紋、抽血驗DNA等排查案犯方式,但一直沒能找到真兇導致案件懸而未破,成為中國數宗特大懸案之一。此案兇手高承勇直到第一起案件案發28年後才被抓獲。

 "Green River Killer" - Serial killer, 78, admits 90 murders

A 78-year-old drifter in prison in Texas has confessed to 90 murders and is being investigated as possibly the most prolific serial killer in US history.

Samuel Little preyed mainly on drug addicts and prostitutes during a decades-long murder spree that stretched from coast to coast, the Federal Bureau of Investigation said in a report.

Little, a former boxer also known as Samuel McDowell, was arrested at a homeless shelter in Kentucky in 2012 and extradited to California to face drug charges.

Once there, DNA evidence linked him to three cold cases and Little was convicted in 2014 of murdering three women in Los Angeles between 1987 and 1989.

All three had been beaten and strangled.

Sentenced to life in prison, Little was transferred to Texas in connection with the investigation into another murder.

Bobby Bland, district attorney of Ector County where Little is being held, said he eventually confessed to the 1994 murder of Denise Christie Brothers in Odessa, Texas.

And after a Texas Ranger named James Holland gained his trust, Little began confessing to dozens of other murders committed between 1970 and 2005, Bland said. He admitted to 90 murders in all, of which law enforcement has so far verified 34 killings.

"Little will be confirmed as one of, if not the most, prolific serial killers in US history," Bland said in a statement. 

 

The deadliest known US serial killer is believed to be Gary Ridgway, the so-called "Green River Killer" convicted of 49 murders who is serving a life sentence in Washington state.

 

 

Sarawak Report Dec 02, 2018 - 1MDB一馬主權基金千億國家盜竊案,劉特佐竟可以用錢收買到美國司法部人員,令人即時聯想到高盧人安盛恃財雄一樣可以收買到保監、証監、保險業聯會 繼續犯規犯法走資洗黑錢犯罪並作惡欺凌代理無阻撓

 
 
 
 暫無留言!
 
 

您尚未登錄,因此不能發表留言!
按此登錄
   
 
 
  Home  |  36th Street  |  39th Street  |  Channel 881  |  Channel 921  |  HKOL Club  |  DR Wealth  |  About and Contact Us

HK Online Site Terms
Copyright reserved by HK Online