Borrison/hk-legicost huggingface dataset:
最新數據顯示，主要銀行的平均流動性覆蓋率超過150%，平均資本充足率超過20%，兩者均高於國際監管標準。
The latest figures show that major banks average liquidity coverage ratio and average capital adequacy ratio exceed 150 % and 20 % respectively both well above the international regulatory standards
政府及金融監管機構會繼續密切注視市況的發展，確保金融穩定。
The Government and the financial regulators will continue to closely monitor financial market development to ensure financial stability
在剛剛結束的亞洲金融論壇，我們成功吸引了全世界超過70個國家和地區、超過63,000名的觀眾，側面確認了我們金融市場方面的優勢。
The recently held Asian Financial Forum successfully attracted over 63 000 visitors from over 70 countries and regions around the world which indirectly showed the advantages of our financial market
我們今年第二大工作重點是大力發展市場。
Our second key area of work this year is vigorously promoting market development
就這方面，自去年12月28日起，在香港上市未有盈利的生物科技公司在符合特定條件下，已納入滬港通和深港通的選股範圍。
In this regard since 28 December 2020 pre - profit biotechnology companies listed in Hong Kong meeting certain prescribed criteria have been included into the stock universe of Shanghai - Hong Kong Stock Connect and Shenzhen - Hong Kong Stock Connect
此外，繼於2018年4月實施新上市制度後，香港交易所已於去年10月底公布有關第二上市公司的進一步豁免安排，容許在去年10月底前已在外地指定股票市場上市、並由法團擁有不同投票權架構的合資格公司來港作第二上市。
In addition after the implementation of a new listing regime in April 2018 the Hong Kong Exchanges and Clearing Limited announced in end - October 2020 further grandfathering arrangements in respect of companies seeking secondary listing . Under the arrangements qualifying companies that have already listed on specified stock markets overseas before end - October 2020 could seek secondary listing in Hong Kong notwithstanding they possess corporate weighted voting rights structures
這些措施均有助進一步提升我們作為國際首選上市平台的整體競爭力。
These measures will further enhance our overall competitiveness as an international premier listing platform
第二，是提升香港作為亞太區主要資產及財富管理中心的地位。
The second initiative is strengthening Hong Kongs position as a major asset and wealth management centre in the Asia - Pacific region
我們會集中3個主要工作： a 第一，我們會通過三步曲來促進私募基金的發展。
We will focus on three main areas of work a First we will promote the development of private equity funds through a three - step approach
第一步是引入新的基金結構。
The first step is to introduce a new fund structure
港元兌美元匯率持續偏強，去年以來錄得資金淨流入，反映投資者對香港金融市場的持續信心。
The Hong Kong dollar exchange rate against the US dollar has stayed near the strong side with net capital inflow registered since last year reflecting continued investors confidence in Hong Kongs financial market
借款人可選擇首12個月還息不還本，隨後5年分期償還本金及利息。
Borrowers may opt for principal moratorium for the first 12 months and make repayments of principal and interest in the remaining five - year repayment period
年利率固定為1%，在還款期結束時還清全部貸款連利息後，借款人將獲得全部利息退還。
The interest rate is fixed at 1 % per annum . Borrowers will receive a full rebate of the interest after the loan plus interest is fully repaid by the end of the repayment period
我們於今年3月得到立法會財務委員會的支持，亦多謝大家的支持，批准相關撥款建議，並於同年4月28日起，即是財政預算案宣布後約兩個月，開始接受申請，申請期為期6個月。
We received the support of the Financial Committee of the Legislative Council in March this year . We also thank Members for your support by approving the relevant funding proposal . PLGS has been opened for application since 28 April of the same year which is about two months after its announcement in the Budget
對於因為種種不同原因而失業的人士，他們還需要靠恆常機制支援。
For those who have become unemployed due to various reasons they still need to rely on the support of a regular mechanism
政府在多輪防疫抗疫基金下推出"保就業"計劃，透過向僱主提供有時限的財政支援，協助他們支付員工的薪金，以保留可能會被遣散的員工。
The Government launched the Employment Support Scheme under several rounds of the Anti - epidemic Fund to provide time - limited financial support to employers so as to help them pay their employees wages and retain employees who may otherwise be made redundant
財政司司長亦在2020-2021年度財政預算案宣布一系列超過1,200億元的"撐企業、保就業、紓民困"措施，目的就是為了促進經濟，穩住就業。
The Financial Secretary also announced in the 2020 - 2021 Budget a series of measures worth over 120 billion to support enterprises safeguard jobs and relieve peoples burden aiming at boosting the economy and maintaining stability in employment
我們委託了香港金融發展局推出金融服務業創職位計劃，為剛畢業或工作經驗較淺、就業遇到較大挑戰的青年人提供就業機會。
We commissioned the Financial Services Development Council to launch the Financial Industry Recruitment Scheme for Tomorrow FIRST to provide employment opportunities for fresh graduates or young people with less working experience or who encounter greater challenges in employment
此外，我們又在特區政府防疫抗疫基金下，成立了抗疫基金金融科技人才計劃，為受到疫情影響的行業，提供與金融科技行業相關的新職位。
Moreover we launched the FinTech Anti - epidemic Scheme for Talent Development FAST under the Anti - epidemic Fund of the SAR Government to provide industries affected by the epidemic with new jobs in the financial technology sector
除了與金融業界合作，我們亦在財庫局轄下部門直接創造就業機會。
Apart from working with the financial industry we have also directly created employment opportunities in the departments under FSTB
申請資格方面，18歲或以上香港永久性居民，在申請貸款時失業至少兩個月，並且可以證明其已失去主要經常收入，可申請計劃貸款。
As for the eligibility for application Hong Kong permanent residents aged 18 or above may apply for loans under PLGS provided that they have been unemployed for at least two months at the time of loan application and can demonstrate cessation of main recurrent incomes
主席，我首先感謝周議員、陳議員、張議員和李議員剛才提出了很多寶貴意見。當中 有些意見很具前瞻性，包括發行更多零售債券、讓證券商可以更多參與發行安排，以及加強向市民解說受資助綠色項目的環境效益等。
President first of all I would like to thank Mr Holden CHOW Mr CHAN Chun - ying Mr Christopher CHEUNG and Ms Starry LEE for their valuable views expressed just now some of which are forward - looking including issuing more retail bonds boosting dealers participation in bond issuance and explaining more to the general public the environmental benefits of subsidized green projects
這項建議把握了因應國際金融業最新的規管趨勢，離岸基金逐漸合併註冊及管理地點，改以在岸形式營運的機遇，令香港成為國際一流的基金註冊及營運地，並為相關專業服務創造商機。
This proposal capitalizes on the latest regulatory trend in the international financial industry where offshore funds are gradually consolidating their domiciles and management locations to operate onshore making Hong Kong a world - class domicile for fund registration and operation and creating business opportunities for related professional services
此外，我們會藉這項立法工作，修訂《商業登記條例》，讓申請人可以同時申請有限合夥基金註冊和商業登記，以利便業界。
Moreover we will ride on this legislative exercise to introduce amendments to the Business Registration Ordinance to enable simultaneous application for LPF registration and business registration to facilitate fund operation
《條例草案》建議的新基金遷冊制度，有以下數個重點： 第一，現有在外地以有限責任合夥形式成立的投資基金，可在香港向公司註冊處申請註冊為有限合夥基金，並須在遷冊後60日內在其設立地撤銷註冊。
The key features of the new fund re - domiciliation mechanism proposed under the Bill are as follows First existing non - Hong Kong investment funds set up in limited partnerships may apply at the Companies Registry in Hong Kong to register as LPFs here and they are required to deregister in their place of incorporation within 60 days after their re - domiciliation
申請須包括申請人的陳述，確認基金已徵得同意在其設立地撤銷註冊，並且不受該地的法律及合夥人之間訂立的協議禁止，以及明白如基金未能符合在其設立地撤銷註冊的要求，處長可從《基金登記冊》剔除該基金的名稱。
The application must include a statement by the applicant confirming that the fund has obtained consent to deregister in its place of incorporation and that it is not prohibited by the laws of that place or by any agreement between the partners and that the applicant understands that if the fund fails to comply with the requirement on deregistration at its place of incorporation RoC may strike the name of the fund off the LPF Register
基金將享有與其他新基金相同的權利和承擔相同的義務。
The fund will have the same rights and obligations as any other newly established funds in Hong Kong
遷冊基金亦須符合現行有限合夥基金制度的一般註冊要求，包括申請須由香港律師行或在香港獲認許執業的律師，代表有關基金提交，申請人須委任一名本地投資經理執行日常的基金投資管理職能、一名本地核數師每年審核基金的財務報表，以及一名合資格人士或法團為基金執行打擊洗錢及恐怖分子資金籌集職能，並須在香港設有註冊辦公室。
Funds intending to re - domicile to Hong Kong are subject to general registration requirements under the existing LPF regime . For instance the application has to be submitted by a Hong Kong law firm or a solicitor admitted to practise in Hong Kong on behalf of the fund . The applicant is required to appoint a local investment manager to conduct day - to - day fund investment and management a local auditor to carry out annual audits of the financial statements of the fund and an eligible person or corporation to perform anti - money laundering and counter - terrorist financing functions for the fund; and that the fund is required to have a registered office in Hong Kong
剛才我列舉的方方面面，正是在金融以外，其他專業服務如何在這措施下能有新的業務增長點。
The various aspects I just listed precisely shows how other professional services apart from finance can have new business growth under this initiative
此外，我們會藉這項立法工作，修訂《商業登記條例》，讓申請人可以同時申請有限合夥基金註冊和商業登記，以利便業界。
Moreover we will ride on this legislative exercise to introduce amendments to the Business Registration Ordinance to allow simultaneous application for LPF registration and business registration to facilitate fund operation
委員查詢遷冊基金的監管程度，我們致力在維持市場競爭力及確保市場健康有序地發展之間取得平衡，並會監察制度實施後的情況。
Members enquired about the extent of regulation to which re - domiciled LPFs would be subject . We strive to strike a balance between maintaining our market competitiveness and ensuring the healthy and orderly development of our market; and we will monitor the situation after the regulatory regime is launched
如有人虛稱經營有限合夥基金招攬投資者或銷毀須備存文件，即屬犯罪。
A person commits an offence if he solicits investors by falsely claiming an entity as an LPF or if he destroys documents
眾所周知，香港是國際資產和財富管理中心。
As we all know Hong Kong is an international asset and wealth management centre
在2020年，剛才張議員也有提到一個數字，我們所管理的資產規模接近35萬億港元，相當於本地生產總值的13倍，比前一年上升了21%，可見這個行業目前是金融服務業中新的發展引擎，充滿發展機遇。
In 2020 nearly HK35 trillion in assets a figure Mr CHEUNG also mentioned just now were under our management which was equivalent to 13 times our Gross Domestic Product and up 21 % from the previous year . It is evident that this sector is now the new engine of growth in the financial services industry and is full of opportunities
第一步是引入多元化基金結構，讓更多新的投資基金在香港成立。
The first step is to introduce diversified fund structures to enable more new investment funds to set up in Hong Kong
我呼籲合資格但未登記計劃的市民，盡快進行登記。
I urge those eligible persons who have not yet registered for the Scheme to submit registrations as soon as possible
在這方面，發放1萬元現金計劃的背後有何考慮因素呢？
In this connection what are the consideration factors behind the Scheme that seeks to disburse 10,000 to eligible citizens?
大家只要綜合檢視多方面的措施，便可發現一如我剛才在答覆中已提及，這些措施基本上合共相等於本地生產總值近一成。
If Members would take a holistic view on the measures proposed on various fronts they will realize that as mentioned in my reply given just now the total amount involved in implementing these measures will basically account for nearly 10 % of our GDP
其實，我們希望透過今次推行現金發放計劃進行的登記，徵求市民同意授權政府日後如推出類似計劃時，可運用有關資料作出相應安排，那麼屆時市民便無需再作登記。
Actually by conducting registration of eligible citizens under the Scheme launched this time we would like to obtain citizens consent for authorizing the Government to use the data so collected for making the required arrangements in the future should a similar scheme be launched then so that they need not complete the registration procedure again
自去年8月至12月期間，政府已先後推出4輪涉及300億元的紓困措施，而在本年年初，大家也知道當局再共推出3次共2,800多億元的紓困措施，協助受影響的企業和市民，包括300億元的防疫抗疫基金措施，以及最近在預算案中提出合共1,200億元的紓緩措施。
The Government has launched four rounds of relief measures amounting to 30 billion between August and December last year and as we all know three rounds of relief measures totalling more than 280 billion were announced in the beginning of this year to assist the affected enterprises and members of the public including the 30 billion relief measures under the Anti - epidemic Fund as well as the 120 billion relief package announced recently in the Budget
加上今年4月的第二輪1,300多億元的防疫抗疫基金措施，全部相加可說已涉及一筆可觀數目。
Together with the second round of more than 130 billion relief measures under the Anti - epidemic Fund in April this year a huge sum of money has already been spent on relieving the difficulties faced by the people
主席，我們十分明白去年的社會事件，加上2019冠狀病毒病的疫情，對各行各業帶來不同程度的衝擊。
President we understand fully that the social events last year and the COVID - 19 pandemic have brought immense impact to various industries and sectors
政府會密切注意社會情況，繼續以逆周期措施及針對性的支援，與企業及市民共渡時艱。
The Government will closely monitor the situation in the community and continue to implement counter - cyclical measures and provide targeted support to enterprises and the general public for riding out the crisis together
估計700萬合資格市民大部分可在8月底前收到款項。
We expect that majority of the 7 million eligible citizens will receive payment by the end of August
謝議員在問題中提及的方案，同樣須獲當事人授權使用其個人資料，以及核實有關市民的資格，施行上不會加快發放款項的時間。
The proposal mentioned in Mr TSEs question will also require authorization from the party concerned to use hisher personal data and to perform verification of eligibility . It will not expedite payment disbursement time in practice
事實上，政府的政策是，各項收費應大致訂於足以收回所提供服務全部成本的水平，以確保提供有關服務的成本無須由一般納稅人承擔。
In fact our policy is that the fees charged should in general be set at levels adequate to recover the full costs of providing the services to ensure that the costs for providing the services do not fall on the general taxpayers
債務人自行提出破產呈請時須支付繳存款項，亦是國際上的常見做法。
It is also a common international practice to require a debtor to pay a deposit upon presentation of bankruptcy petition against himself
至於債務人就提出破產呈請而需向高等法院繳付的法庭費用1,045元，有關費用與其他訟案或事宜的展開的費用一樣，由《高等法院費用規則》訂明。
As for the 1,045 court fee payable to the High Court for filing a debtors petition the fee level same as fees for commencement of other causes or matters is stipulated in the High Court Fees Rules Cap . 4D
免費轉讓公屋單位予公屋租戶並不符合善用公帑和公營房屋資源的原則，尤其是現時公營房屋供應不足以滿足社會需求的情況下。
Transferring the ownership of PRH units to PRH tenants for free is not in line with the principle of effective use of public money and housing resources especially amid a public housing supply that can yet to satisfy the demand in society at the moment
此外，如果將公屋單位轉讓予現租戶，亦會大幅減少可供編配的公屋單位數目，將會嚴重地延長公屋申請家庭的輪候時間，因此，免費轉讓公屋單位這建議並不可行。
Furthermore transferring the ownership of PRH units to sitting tenants will also drastically reduce the number of PRH units available for allocation which will severely lengthen the waiting time for families applying for PRH . Therefore the suggestion of transferring the ownership of PRH units for free is not feasible
公營房屋的最大挑戰在於土地供應不足。
The greatest challenge in relation to public housing is the shortage of land supply
此外，債務人自行提出破產呈請時須支付繳存款項，也是國際上的常見做法。
Moreover it is also a common international practice to require a debtor to pay a deposit upon presentation of bankruptcy petition against himself
因此，政府在提供破產服務時需要按收回服務成本原則訂定收費，但破產管理署會繼續留意有關收回服務成本的情況，在有需要時檢討收費水平，並繼續因應社會經濟情況考慮提供其他適切的協助。
Hence the Government should follow the principle of cost recovery when determining the fees charged for providing services in processing bankruptcy cases but ORO will keep in view the cost recovery situation of the relevant services and consider reviewing the deposit amount where necessary . We will continue to consider providing other appropriate assistance having regard to prevailing socio - economic circumstances
登記手續和整個流程設計將以簡單方便和穩妥為原則，務求令市民能有序地盡快收到款項，並只需提交簡單的個人資料便可完成登記。
It is our principle to adopt a simple convenient and secure approach in determining the registration procedure and the design of the entire workflow so that eligible citizens will receive the sum as soon as possible in an orderly manner and will need to produce only simple personal data to complete the registration procedure
再者，根據《個人資料條例》，政府掌握的資料不可用作收集資料目的以外的用途，故此市民必須進行登記並選擇收取款項的方式，而且只需提供簡單資料便可完成登記。
Furthermore under the Personal Data Privacy Ordinance information held by the Government should not be used for any purpose other than the original purpose for collecting the data . Eligible citizens are thus required to register and indicate the payment method they prefer and what they need to do is to produce some simple information to complete the registration procedure
感謝蔣議員和主席。
Thank you Dr CHIANG and the President
此外，如果任何人在沒有牌照的情況下，顯示自己經營受《條例》規管的業務，則構成《條例》第114條所列明的罪行，違反該項罪行的最高刑罰是罰款500萬港元及監禁7年。
Furthermore if a person holds himself out as carrying on a business in a regulated activity stipulated under the Ordinance without a licence he commits an offence under section 114 of the Ordinance . The maximum penalties for a breach of that section are a fine of HK5 million and seven years imprisonment
因此，剛才提過證監會轄下的投資者及理財教育委員 會會持續發放不同的資訊，而我剛才介紹的《執法通訊》亦屬於這方面的資訊。
The Investor and Financial Education Council under SFC that I mentioned earlier will continue to disseminate different information and the Enforcement Reporter introduced by me just now also provides this kind of information
他剛才所說互相推諉的情況是絕對沒有的，相反監管機構和警方一直互相合作，互通有 無，就如何進一步減少網上騙案共同努力。
The situation of shirking responsibilities as mentioned by Mr CHEUNG just now does not exist at all . On the contrary the regulatory authorities have been working hand in hand with the Police to further reduce online fraud cases through concerted effort
我在此可以指出，我們已在多方面做工夫，包括證監會曾向券商發出一系列涉及網絡安全的指引，例如在2018年7月頒布"降低及紓減與互聯網交易相關的黑客入侵風險指引"等。
I can point out here that a lot of work has been done in many aspects . For example SFC has issued a series of guidelines to brokerage firms on cyber security such as the Guidelines for Reducing and Mitigating Hacking Risks Associated with Internet Trading issued in July 2018
這是第一方面。
This is the first aspect
有關法例的立法原意是為了防止在公眾地方進行相關籌款活動時，構成妨擾及造成阻礙。
The legislative intent of the Ordinance is to prevent nuisance and obstruction caused by the relevant fundraising activities in public places
我們明白，保障市民利益、避免市民誤墮虛假或不法的籌款活動而招致不必要的損失，十分重要。
We understand the importance of safeguarding the publics interest to avoid members of the public unknowingly participating in fraudulent or unlawful fundraising activities thereby suffering from unnecessary losses
現時，無論籌款活動是在網上或公眾地方進行，若涉及清洗黑錢、詐騙及其他違法活動等，相關執法部門會根據現行法律進行調查。
At present regardless of whether they are online or held in public places if the fundraising activities involve money laundering fraud and other unlawful acts the relevant law enforcement agencies will conduct investigation in accordance with existing laws
市民在參與籌款活動，特別是透過網上平台進行的籌款活動時，應先清楚了解活動的主辦單位或機構的背景，以及籌款活動的目的及所籌集資金的用途，以免被不法之徒利用作違法行為。
When participating in fundraising activities particularly those through online platforms members of the public should pay full attention to the background of the organizing partiesorganizations the purpose of raising funds and how the funds will be used so as to avoid being abused by lawbreakers for unlawful activities
相關部門會繼續這方面的宣傳教育工作。
Relevant departments will continue their public education efforts in this regard
因為從規管的角度而言，不一定要就每個環節訂明規管的角色，我們必須考慮規管工作的效益、輕重和方式，再綜合考慮整件事，看看哪一種規管模式才是最合適。
It is because from the regulatory perspective it might not be necessary to specify the regulatory roles in every aspect . We must take into account the effectiveness severity and mode of the regulatory work and then consider the whole matter comprehensively to work out the most appropriate mode of regulation
基本上，他們會多管齊下，包括執法、宣傳教育、與不同機構合作、進行情報分析及跨境合作等，從多方面處理這個問題。
Basically they would adopt a multi - pronged approach encompassing law enforcement publicity and education cooperation with different organizations intelligence analysis and cross - border cooperation etc to deal with this problem from various aspects
所以，我認為不一定要以單一方式來作出規管，其實這是一個整體的概念，並要找出哪個部分才是核心環節，然後對症下藥。
I hence believe that it is not necessary to impose regulation in one single way . This is in fact a holistic concept we must figure out the core elements and then suit our methods to the situation
根據積金局的資料，視乎計劃成員參與強積金的時間及收入等因素，現時約400多萬個強積金帳戶中，約 36%的帳戶累算的權益在1萬元或以下，累算權益多於1萬元但在5萬元或以下的帳戶佔總數26%，而多於5萬元而在10萬元或以下的帳戶則佔總數12%，平均累算權益為25萬元。
According to the information of MPFA depending on the duration of participation and income of scheme members out of the over 4 million existing MPF scheme members around 36 % of these accounts have accrued benefits of 10,000 or less . Another 26 % have accrued benefits of more than 10,000 and at 50,000 or below . Those accounts with more than 50,000 and at 100,000 or below account for 12 %
政府明白疫情對眾多市民及企業構成財政壓力，因此已通過防疫抗疫基金及"保就業"計劃提供多方位的紓困措施，與市民共渡時艱。
The Government understands the financial plights due to the epidemic faced by our citizens and enterprises . In this connection the Government has introduced multi - faceted relief measures through the Anti - epidemic Fund and the Employment Support Scheme to help the community weather the difficult times
因此，我們和積金局一直致力多管齊下，降低強積金基金的收費及開支水平，令強積金更物有所值，例如： i 在2017年4月推出設有收費管制的預設投資策略。
To this end we have been working closely with MPFA to implement multi - pronged measures in order to lower the fees and charges of MPF funds and make MPF more value - for - money for example i launching the fee - controlled Default Investment Strategy DIS in April 2017
由此可見，預設投資策略已為其他強積金基金的收費帶來下調壓力......
As can be seen DIS has a positive effect in bringing down fees of other MPF funds;
正如盧議員剛才提到，我們必須有人，才能辦事。
As Ir Dr LO just mentioned we cannot do anything without people
商戶會視乎其經營情況、使用場景、客戶習慣、運作成本等，提供合適的支付方式供消費者選擇。
Merchants will take into account circumstances of business operation usage scenario customer behaviour operating cost etc to offer suitable payment options for consumers
第七，是運輸署，包括申請"發出車輛登記細節證明書"及其他文件的相關付費。
The seventh is the Transport Department involving fees for the applications for the Certificate of Particulars of Motor Vehicle and other documents
我希望盧議員可以放心，其實我們是很在乎的，因為這始終是一個契機：由於疫情，大家對於無論是非接觸式的交流或交易，重視和接受的程度提高了許多，故此正如我剛才介紹，我們今次針對街市的資助計劃，雖然聽起來只有三成申請，數目似乎不太多，但這只是因為開始時的水平確實比較低，但大家回看過往的話，起點相對低而能夠有這個結果，我個人覺得一點也不過分，反而大家應向前看，在下一步，如何能繼續透過向市場進行教育，不單是教育營辦商，因為營辦商本身也會推出優惠，同時也教育市民，反過來推動商戶，這其實也是好的方面。
Therefore as I have just mentioned although our current subsidy scheme for markets has received applications from only 30 % of the stall tenants which sounds like a small number and is due to an indeed rather low level at the beginning if we look back over the past the achievement of this result from a relatively low starting point is not out of line at all in my personal view . On the contrary we should look ahead to the next step as to how to keep educating the market through our efforts . We should not only educate the service providers because they also offer concessions themselves but also educate the public at the same time which can in turn push the service providers and this is actually also a good thing
截至2020年12月，"轉數快"已錄得688萬個登記，共處理1億7,000萬宗實時交易，涉及交易額約21,000億港元及360億元人民幣。
As of December 2020 FPS recorded 6.88 million registrations and processed 170 million real - time transactions involving transaction amount of around HK2,100 billion and RMB 36 billion
第一，在較宏觀的層面，大家常提到坊間的比較，即香港與內地在電子支付的普及程度。
First at a more macroscopic level Members have often compared between Hong Kong and the Mainland in terms of the popularity of electronic payment in the community
每個地方所循的發展軌跡有 所不同，內地是跨越了信用卡的階段，而香港則因為很大程度上在過去一段時間都在使用信用卡，若要人們改變習慣，轉移到現時全新的電子支付，是需要一段時間的。
Each place is following a different development path . The Mainland has leapfrogged the credit - card stage whereas credit cards have been used to a large extent in Hong Kong for some time past . It will take some time for people to change their habits and shift to the currently new electronic payment means
主席，香港擁有發展成熟的電子支付生態，市民有多種非現金的支付選擇，使用信用卡、八達通、易辦事、網上及自動櫃員機轉帳等支付方式相當普及。
President Hong Kong has a well - developed and mature electronic payment ecosystem . Various non - cash payment options including credit cards Octopus Easy Payment System online and automated teller machine transfers etc are widely adopted by the public
此外，以手機電子錢包應用程式等流動支付工具付款近年亦越趨普遍。
In addition using mobile payment tools such as e - wallet applications on mobile phones is increasingly popular in recent years
正如行政長官在2019年施政報告中所提及，容許所有公屋租戶購買其現居公屋單位，會在短期內減少可供編配的公屋單位數目，並會無可避免地延長公屋申請的輪候時間。
As stated by the Chief Executive in the 2019 Policy Address allowing all sitting tenants to purchase the public housing units they are now living in will reduce the number of units available for allocation in the short term and will inevitably lengthen the waiting time for public housing applicants
鑒於現時公屋單位供應嚴重不足，從有效運用房屋 資源的角度而言，此建議暫時難以推行。
Given that there is now an acute shortage of public housing units and from the perspective of effective use of housing resources it is difficult for us to take forward the suggestion for the time being