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购房借款:上市公司员工激励出新招 [复制链接]

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发表于 2017-6-14 14:56:41 |显示全部楼层
上市公司坚朗五金、金卡智能此前通过公告发布的《员工购房借款管理办法》显示,公司使用部分自有资金为员工购房提供借款。焦点科技自2012年首次推出员工购房借款以来,已审核并发放了8期,累计受益员工325名,涉及金额6701万元。科远股份也已发行第三期员工购房借款。给员工借款买房,已成为上市公司完善员工福利制度体系、激励员工工作积极性的一大手段。

贷款申请门槛低

据统计,2008年以来,13家上市公司推出员工借款买房方案,并连续推出多期。方案针对的人群多为公司普通员工,满足一定服务期限、确实存在住房困难的可申请。以焦点科技为例,符合条件的员工包括在焦点科技及全资子公司服务期满两年的,控股股东、实际控制人及其关联人、公司董监高及其关联人除外。通常,员工拿到借款后,要专款专用,直接划转到一手房售楼处或二手房中介处。

还款方面,员工只需在规定期限内分期还款,期限内免息,通常为5-8年,具体操作各家上市公司略有差异。科远股份公告称,申请人应在5年借款期内,5个年度按约定的比例进行还款。各年度还款分为两部分进行偿还,本年度还款额的80%通过在员工工资中按月扣除的方式偿还,剩余20%借款由员工在还款年度结束后的20日内,自行筹款直接交由公司财务部。焦点科技公告称,员工获得的购房借款在约定的还款期内免息。借款期限最长为5年,员工等额、按月向合作银行还款,也可申请提前还款。

律师认为值得鼓励

在员工借款后的行为约束方面,上市公司通常与银行合作,纳入银行征信系统。不良信用行为将影响员工今后的征信记录。同时,员工承诺并授权公司,在其违反借款合同约定时,公司有权处理其薪金、报销费用等一切应得利益或款项。优先用于偿还借款本息及罚息。海翔药业称,如果员工出现离职情况,公司有权要求其提前归还全部借款并支付罚息,或将房产以购买价格平价转让给公司。

公告显示,为员工提供的借款通常是上市公司的自有资金,也有一些从员工工资中提取购房借款专项资金。坚朗五金公告称,公司每年提取公司员工上一年度工资总额的1%作为购房借款专项资金,该专项资金使用后所产生的回款及尚未使用额度将循环用于支持公司员工购房。

北京市东易律师事务所律师熊希哲称:“上市公司为员工提供贷款买房,其本质是法人与自然人之间的借贷关系。我国现行法律规定及实践是允许自然人与企业之间进行资金拆借的,因此这类借贷行为是合法的。另外,这些上市公司审议上述事项时,均依据公司章程或议事规则的规定,履行了董事会或股东大会审议程序并依法披露,这样对于具体的某个公司而言,向员工提供借款买房也是合法合规的。从公司治理及经济学的角度,在合法合规的框架下实现公司、股东、管理层及员工队伍各方利益的尝试,都值得鼓励,这样对各方都是有利的。”

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发表于 2017-11-25 05:08:18 |显示全部楼层

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发表于 2017-12-13 09:45:04 |显示全部楼层

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发表于 2018-1-24 13:48:38 |显示全部楼层

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发表于 2018-6-3 16:52:25 |显示全部楼层

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“…relatives of the patients or public spirited citizens assist” – CEOThere are currently two porters manning all the daily activities and emergency cases at the East Bank Demerara Regional Hospital,Wholesale China Jerseys, according to the institute’s Chief Executive Officer (CEO), Kevin Mana.The CEO made this disclosure last week. He recalled an incident on February 6, last, when a policeman was forced to perform the job of a porter.Kaieteur News was told that the hospital has no porters to work in the night and this was confirmed by the facility’s CEO who added that “we only have two porters and they are working during the day.”When asked if an emergency occurs at night who would lift the patient, Mana said,Jerseys NFL Wholesale China, “Well relatives of the patients or public spirited citizens usually assist but apparently the matter is currently being addressed.”This publication understands that the region’s accounting officer,nhl jerseys outlet, Deolall Rooplall,Cheap Jerseys Store, who is also the Regional Executive Officer for Region Four is responsible for the hiring of porters. The matter concerning the shortage of porters at the facility has been addressed with him for “the longest while.”Hospital porters help transport patients to different areas of the hospital; they assist doctors, nurses,holesale Soccer Jerseys, and other hospital employees with a variety of tasks. Porters help to operate and repair medical equipment, and they clean and sanitize to make sure the hospital is operating in the most sanitary manner possible.Porters need mental equanimity because a hospital is a place where emergencies are routine and stress levels are high. New recruits are given induction training so that they would know how to lift and carry patients.However,Cheap Jerseys Free Shipping, there have been numerous reports that on many occasions, nurses would lift patients.

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发表于 2018-6-4 03:20:03 |显示全部楼层

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“Is how much more y’all want to drink after 2 a.m.? Are you not concerned about the road accidents and the need to addressPublic Security Minister, Khemraj Ramjattanthis? Well, I am concerned. I am not going to bend the laws for a few people who want to promote lawlessness…” – RamjattanEven though he has faced a tidal wave of requests and pleas for the 2:00 a.m. curfew to be relaxed just for the Christmas season,Cheap NFL Jerseys China, Minister of Public Security,Cheap Jerseys NFL China, Khemraj Ramjattan says that he is standing his ground and will continue to hold out that the curfew will not be relaxed.“Is how much more y’all want to drink after 2 a.m.? Are you not concerned about the road accidents and the need to address this? Well,Cheap Jerseys China, I am concerned. I am not going to bend the laws for a few people who want to promote lawlessness. The law gives you up to 2:00 A.M. and that is what you have to work with. So it is not negotiable.”The Public Security Minister was reminded that last year, he granted a curfew lift for the season and was asked whether he would be inclined to do so, even if it is for two or three days leading up to New Year’s.To this the politician responded,NFL Jerseys China, “Indeed last year I did it for New Year’s,Wholesale NHL Jerseys, but I am not mindful of doing so again. I have been getting a lot of requests. But I don’t want to do what I did last year, because I am concerned about the road accidents as I said earlier. We have to curb this issue and I am going to stand my ground. I am not going to compromise the law all the time for a few hundred people.”The politician said he has received nothing but praise since the implementation of the law and he has no intention of stopping now.In the meantime,NFL Jerseys Cheap Authentic, he is encouraging Guyanese to drink responsibly during this time of merriment.

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发表于 2018-6-8 05:13:43 |显示全部楼层

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发表于 2018-6-8 18:06:32 |显示全部楼层

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Two British Nationals are currently assisting the Police Narcotics Branch and the Customs Anti Narcotics Unit with investigations into two separate drug busts.The two women were nabbed mere minutes apart at the Cheddi Jagan International Airport Timehri,NFL Jerseys Clearance, yesterday.This newspaper was told that one of the women was nabbed by ranks of the Police Narcotics branch around 10:15 hours yesterday while she was about to board an outgoing flight. The woman has since been identified as Victoria Hairs.The woman was seen acting in a suspicious manner while she was checking in her luggage. She was searched and some 1 kilogram and 26 grams of cocaine was concealed in her wig. Following a brief interrogation the woman provided the name of another female passenger who had reportedly boarded the same flight she was about to board.Subsequently,China NFL Jerseys, the other passenger was nabbed by ranks of the Customs Anti Narcotics Unit. She too was found with some one kilogram of cocaine hidden in her wig. Up to press time yesterday she was in the custody of Customs Anti Narcotics Unit.Both women are likely to be charged and placed before the court.Cocaine being transported in female wigs seems to be a new trend in moving the prohibited substance out of Guyana.Some two weeks ago another woman was caught with cocaine in her wig at the Cheddi Jagan International Airport Timehri. She has since been charged and place before the court. Another woman who was implicated was charged for supplying the cocaine for export.

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发表于 2018-6-14 15:02:48 |显示全部楼层

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Former Chief Planner of the Ministry of Finance, Clyde Roopchand, has died in New York.Clyde RoopchandYesterday,Cheap NFL Jerseys China, President David Granger in expressing condolences via a statement said Roopchand, who was awarded the Cacique’s Crown of Honour (CCH) in 2011, served for many years in the State Planning Secretariat and Ministry of Finance.Clyde Roopchand was born on February 2nd 1947 at Friendship Village, East Coast Demerara,NFL Jerseys China, and attended the St. Anthony’s R.C. School, Friendship; Central High School,Cheap Jerseys Free Shipping, Georgetown; and the University of Guyana. From 1967 to 1974, he taught at the St. Anthony’s R.C. School.After graduating from UG, in 1975, he secured employment with the Ministry of Economic Development as an economist.Later, as the Chief Planning Officer in the State Planning Secretariat, his job responsibilities included designing,Wholesale Jerseys Free Shipping, developing and managing the Public Sector Investment Programme,Cheap Jerseys USA, appraisal and monitoring of Public Sector projects and participation in the preparation of the National Budget. He sat on several boards and was the chairman of Guyana Revenue Authority.A father of three,China Jerseys Wholesale, a few years ago, as part of the commemoration of the 170th Anniversary of the Purchase of Buxton, a new street was named after him.

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发表于 2018-6-18 16:52:50 |显示全部楼层

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发表于 2018-6-25 03:38:18 |显示全部楼层

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Bandits meticulously combed an Alberttown house to unearth a whopping $4M in the latest armed robbery to hit the capital city.The bandits, who were carrying two guns and a knife, had attacked the Fourth Street home of a city pharmacy proprietor and held his four children at gunpoint while ransacking the property, which is located just a block away from the Alberttown Police Station,Jerseys Wholesale, around 21:15 hours on Wednesday.One of the men had pretended to be a business associate of the businessman in order to gain entry to the upstairs apartment, where the victims were watching television.Recalling the ordeal, Mark Persaud, the eldest of the businessman’s children, told this newspaper that he and his three younger siblings were at home when he heard someone calling their father’s name.Their father and mother were not at home at the time.The young Persaud said that although the man had his hands behind his back and his face almost covered with his cap,Cheap NFL Jerseys, he did not suspect that a robbery was about to occur, since the man spoke to him in a normal manner.“My dad has a pharmacy and the man told me that he had bought some medication for his wife and he needed to speak to my dad about it.I told him my dad was not at home and he asked me what time he will be home,Wholesale Authentic NFL Jerseys,” the young man told this newspaper.He said that before he could have replied, the man pointed a gun to his chest and ordered him inside while warning him not to make a sound.Persaud was unaware that the bandit had two accomplices in the yard and it was not until they had already barged into the house that he realised what was really happening.“If I had noticed them (two other bandits) before, I would have shut the door quick,” he explained.The three bandits then ordered Persaud, his younger brother and two sisters to lie on the floor, and Persaud said that except for the bandit who had spoken to him earlier, he could not see the faces of the two other bandits since he could not raise his head.However, he knew that the men were ransacking the house searching for valuables.“These men had gloves, so like they were prepared to do this. They put us on the ground and demanded money. They knew we had money, so they kept searching and searching,Authentic Jerseys Wholesale,” Persaud said.By this time the men were getting frustrated, having searched unsuccessfully for several minutes.Persaud recounted that one of the men started to squeeze his sister’s hands causing her much discomfort, prompting him to beg the bandits not to harm anyone.“I told them to take whatever they need and leave us, but you could see that they were getting frustrated because they were shouting.They turned up the TV volume so that no one could hear and they kept screaming,Wholesale NFL Jerseys, ‘where de damn money?’” Persaud recalled.But just when the men were about to leave empty-handed, one of them urged his colleagues to make “one more search”.It was during the final search that they raised up a mattress and found a briefcase that contained about $4M in cash.“They grabbed the money and to me it looked like a set up because they knew we had money home…after one of them came out with the money, he asked me why was I lying. He hit me; he gun-butted me in the head, and they just sneak out the house and went downstairs as if they were my friends,” Persaud recalled.According to Persaud, he knew the money was there but, “I wasn’t giving them anything. I kept denying it.”“When they found it I said that this was the end of my life,Cheap NFL Jerseys,” he recalled.Persaud said that he waited until the men were in the yard before he got up and bolted the door, fearing that the men might return and hold them hostage if they did encounter problems in their getaway.The bandits had also carted off hundreds of thousands of dollars worth of electrical equipment and computer games.Persaud said that throughout the entire ordeal his terrified siblings cried.“I was even crying non-stop. I didn’t know what to do. I panicked. I mean with a gun to my chest, I just begged them not to do us anything. I was thinking about my brother and sisters.”The young man said that the bandits had plugged out the telephone and had it not been for some luck that his cellular phone was left behind, he would not have been able to contact anyone for assistance.He subsequently contacted his parents who in turn notified the police.But up to late yesterday, no one had been arrested.

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发表于 2018-6-26 09:14:08 |显示全部楼层

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The bodies of two men, who were among four feared drowned in Saturday’s boat mishap in the Cuyuni River,Wholesale China Jerseys, were recovered late yesterday evening after army and maritime personnel intensified the search for the missing passengers.The victims were identified as Junior Bandhu 35,Cheap NBA Jerseys China, of Tuschen, East Bank Essequibo and William Patwa of New Amsterdam, Berbice.Kaieteur News was told that the bodies were found a few miles from the area where the accident occurred, after additional search teams were deployed to find the four missing passengers.? However, sources confirmed that the bodies of Shawn Robinson and Clive Welcome are yet to be found.A source later told this newspaper that some conflict arose after the bodies were not placed in the Bartica Hospital Mortuary.“The head nurse and doctors of the hospital are refusing to take the bodies into the mortuary and I can’t understand why this is so, because they have not decayed….we don’t have any other suitable place to lodge the bodies at this time,” the source said.This newspaper was told that a crowd converged at the scene after news spread,Cheap Authentic NFL Jerseys, with some pleading with hospital authorities to allow the admittance of the bodies into the morgue.Four men went missing last Saturday, after a transport vessel navigating the Cuyuni rapids capsized.The vessel was transporting Maurice Hopkinson of Second Avenue, Bartica; Junior Lyte, 19, of Batavia, Cuyuni; William Patwa, along with Junior Bandhu, 35, of Tuschen, East Bank Essequibo; Shawn Robinson, Clive Welcome, 19 years, of First Avenue, Bartica and David Prass, 26,Cheap Jerseys, of New Amsterdam, Berbice.The vessel which was reportedly owned by Severn Williams was captained by Junior Lyte at the time of the accident. He was taken into police custody.The mishap reportedly occurred after the engine failed in the vicinity of the Matuk Falls, Cuyuni, at around 10:30 hours,Cheap NFL Jerseys, Saturday.? Passengers of a passing boat assisted in rescuing Lyte, Prass and Hopkinson, who were attempting to swim ashore.Neighbourhood search teams joined forces with the Maritime Administration and the Guyana Defence Force, (GDF) to continue the search for other persons. That search resulted in the recovery of the two bodies yesterday.Efforts made to locate relatives of the dead men proved futile. Police and Maritime workers are currently conducting investigations.Meanwhile, relatives of survivors related that they are “still shaken up” by the experience.When contacted via telephone yesterday the wife of Maurice Hopkinson said that her husband is still traumatised by the entire ordeal.The woman, Angela Hopkinson told this newspaper that when the mishap occurred,China Jerseys For Sale, her husband, the proprietor of Hopkinson Mines located at Aranka, was heading out of the area, aboard a vessel with six other passengers.“The boat engine cut out and they begin to drift. The boat hit a rock or something and it topple over the falls…. My husband is still disturbed by the incident … he can’t talk right now … he just trying to forget the whole thing”

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