Borrison/hk-legicost huggingface dataset:
人民力量過去多次強調，與其就供款安排爭論不休，不如要求政府在短期內把長者生活津貼的金額提升至3,500元，並取消資產入息審查，這樣做反而比較實際。
The People Power has repeatedly emphasized that instead of arguing endlessly about the contribution arrangement we had better request the Government to raise the rate of OALA to 3,500 in the short term and abolish the means test
"生果金"的申請條件是申請者已成為香港居民最少7年，並且經常在港，只要年齡在70歲以上，不論貧富也可以每月獲發。
Such an approach is more practical . According to the application requirements for the fruit grant an applicant must have been a Hong Kong resident for at least seven years and be ordinarily resident in Hong Kong . Provided that he is aged over 70 he will receive it every month regardless of rich or poor
現時坊間所有稱為全民退保的建議，均大致要求65歲或以上長者每月可獲派發3,000元至3,500元，與"生果金"的分別只在於合資格年齡和金額，與不設資產入息審查的原則一樣。
Now all the proposals in the name of universal retirement protection in the community generally request that 3,000 to 3,500 be handed out to each elderly person aged 65 or above every month . The only difference from the fruit grant lies in the eligibility age and the amount . In principle they are the same as being non - means - tested
其實，周永新教授後來提出的新建議，跟人民力量過去一直的建議不謀而合，他認為再跟僱主討論供款，已沒有甚麼可能。
In fact the new proposal subsequently put forward by Prof Nelson CHOW happened to coincide with what the People Power had all along suggested in the past . He considered that it was hardly possible to discuss contribution with the employers again
今天大家也聽到這些資本家的發言，再勸他們供款，亦只是徒然，不如建議政府一力承擔，改革現時的"生果金"制度，直接將"生果金"金額增加至3,000元以上，作為全民老年金。
Today we have also heard the speeches of these capitalists . It will just be futile to persuade them to make the contribution . We had better suggest that the Government fully shoulder the responsibility reform the existing system of the fruit grant and directly increase its rate to over 3,000 as the universal Demo - grant
當然，如果政府願意推行大家提出的三方供款方案，我是絕對支持的，但盡快將"生果金"的金額提升，可以解決很多老人家的燃眉之急。
Certainly if the Government is willing to implement the tripartite contribution proposal made by us I will absolutely render it my support . But an expeditious increase in the rate of the fruit grant can address the pressing needs of many elderly people
其實，我們說的不是全民退休保障，而是全民退休"補"，是補助的補，而不是保障的"保"。
Actually what we are talking about is not universal retirement protection . Rather it is universal retirement subsidy . It is a subsidy rather than protection
主席，為配合"一帶一路"的倡議，政府應在法規和監管模式方面為金融科技發展創造更有利的條件，以利拓展內地及東南亞市場，擴大市場區域同時增佔市場佔有率，從而有效提升金融科技業界科技投入的成本效益。
President in order to dovetail with the Belt and Road Initiative the Government should create more favourable conditions for Fintech development when formulating rules regulations and regulatory modes so as to facilitate business expansion to the Mainland and Southeast Asian markets increase our market size and market share and in turn effectively enhance the cost - effectiveness of technological commitment made by the Fintech industry
最後一點，我想強調要檢討過時法例。
The last point is that I wish to emphasize the importance of reviewing outdated legislation
要促進金融創新，人才培訓十分重要，特別是既熟悉金融科技，又掌握法律知識的人才。
Training of talents especially talents who are well - versed in Fintech with a good grasp of legal knowledge is vitally important to fostering financial innovation
智能化財富管理業務近年在香港發展非常迅速，當中涉及不少科技元素，如大數據應用、多渠道資訊管理平台、客戶分析模型、智能化資產配置分析系統等。
The recent years have seen rapid development of smart wealth management business in Hong Kong . This business entails quite many technological elements such as big data application multiple platforms for information management clientele analysis models smart systems for asset portfolio analysis and so on
大數據的收集、應用和保存，會涉及個人資料私隱的問題。
The collection application and maintenance of big data involve personal privacy data
同時，國際社會近年全力打擊"洗黑錢"及恐怖分子融資活動，亦需要密切關注產品和服務合規性。
At the same time the international community has devoted full efforts to combating money laundering and terrorist financing activities in recent years . It is also necessary to keep a close watch on the compliance of products and services
相關法規的更替是不論 公司的規模大小、僱員多寡，均須同樣面對的。
Irrespective of company and staff sizes all companies invariably have to face changes in the relevant rules and regulations
因此，在培訓金融科技專才時，必須兼顧法律知識的培訓，讓他們清楚知道立法的原意，才能思考能否放寬某些金融規管措施。
For this reason the training of Fintech talents must include the provision of legal training so as to enable them to understand clearly the legislative intent before consideration should be given to the feasibility or otherwise of relaxing certain regulatory measures for the financial industry
主席，綜觀環球發展趨勢，傳統的國際金融中心如紐約和倫敦均善用創新手段發揮本身優勢，發展成領先的金融科技中心。
President an overview of the global development trend shows that traditional international financial centres such as New York and London have adopted innovative means to bring their strengths into effective play and successfully developed into leading Fintech hubs
香港金融業基建完善，應充分融合創新科技，提升金融機構的營運效率、風險管理、精準營銷，甚至擴展潛在客戶群。
With its sound financial infrastructure Hong Kong should fully integrate various innovative technologies to enhance the operational efficiency of financial institutions risk management and precision marketing or even expand its potential clientele
作為服務應用者的金融科技企業，更可謂機遇處處。
It can even be said that Fintech enterprises as service users are presented numerous opportunities
不過，我想重申，如果我們未能及時在監管與創新之間取得平衡，便會很容易出現一如今天數位議員所說的情況"蘇州過後無艇搭"。
But I wish to reiterate that if we fail to strike a balance between regulation and innovation in time a situation mentioned by several Members today will emerge very easily―After leaving Suzhou a traveller will find it hard to get a ride on a boat―meaning opportunities will not knock at your door again if you let slip of one
主席，首先感謝梁國雄議員今天提出的議案。
President first of all I thank Mr LEUNG Kwok - hung for this motion proposed by him today
對於設立沒有資產審查而可令全民受惠的退休保障計劃，我們公民黨自創黨以來都完全支持，今天當然也不例外。
On the establishment of a non - means - tested retirement protection system to the benefit of all the people the Civic Party has since inception fully supported it and today is certainly no exception
對於我們支持由學者提出的全民退休保障制度，今天稍後時間敝黨的譚文豪議員將進一步詳細說明。
Regarding our support for the universal retirement protection system proposed by the academics Mr Jeremy TAM of our party will further give a detailed explanation later today
自上屆政府邀請周永新教授進行研究和提交報告後，我們認為已有足夠的理據和條件，讓政府推出沒有任何預設和審查的全民退休保障制度。
After Prof Nelson CHOW at the invitation of the last - term Government conducted studies and submitted a report we consider that there are already sufficient grounds and conditions for the Government to introduce a non - means - tested universal retirement protection scheme without any preconception
可惜，上屆政府欠下的這筆債，我們不知道本屆政府在羅致光博士的領導下能否作出補償。
Regrettably for this debt owed by the last - term Government we wonder if the current - term Government can make compensation for it under the leadership of Dr LAW Chi - kwong
主席，在今天的討論中，我希望與大家從另一個角度來看全民退休保障。
President in this discussion today I hope Members can consider universal retirement protection from another angle
就全民退休保障來說，社會往往會視受惠的長者為社會或大眾公共財政的負擔，但其實這是否必然呢？
Insofar as universal retirement protection is concerned the elderly beneficiaries are often perceived as a burden on society or public finance but is that really so?
其實未必。
Actually it may not necessarily be so
我們不妨嘗試從銀髮市場的角度來看，或許可能會有新的思考。
Let us perhaps look at it from the angle of the silver hair market which may shed new light on our reasoning
根據香港社會服務聯會在2015年發表的《香港銀髮市場調查報告》，四成受訪長者表示，如果有基本的退休保障或收入，例如我們今天所說的全民退休保障，最能促成他們參與銀髮市場的購買活動。
According to the Report on a survey on the silver hair market in Hong Kong published by the Hong Kong Council of Social Services HKCSS in 2015 40 % of the elderly respondents said that if they have basic retirement protection or income such as the universal retirement protection that we talk about today they would be most encouraged to take part in shopping activities in the silver hair market
主席，雖然香港的銀髮市場未必能夠及得上日本和歐洲等地方，甚至可能未必能夠比得上內地，但其實我們要問為甚麼？
President although the silver hair market in Hong Kong may not be a match for that in Japan or places in Europe or ours may even be no match for that in the Mainland we actually should ask why this is the case
當然，這與我們實際上的社會結構有必然關係。
Of course this is definitely related to our social structure
很多長者可能有資產，但欠缺現金或"生錢"。
Many elderly people may have assets but lack cash or disposable money
其他議員剛才亦很準確地指出，長者在這情況下，對於是否願意花錢確實存在憂慮。
As rightly pointed out by other Members earlier on under this circumstance the elderly do have concerns about making spendings
社聯這份報告已清楚指出，無論長者有退休金或資產，他們也未必敢亂花錢，這或許由於他們預計自己可能面對醫療費用，因而有極大的壓力所致。
This report of HKCSS has clearly pointed out that the elderly may not dare spend money randomly irrespective of whether they have pension or assets . This is probably because they anticipate possible health care expenses and are therefore under immense pressure
因此，主席，其實這是相得益彰的，我們既能為長者提供安全網，而在全面和健全的退休保障制度下，長者又能夠消費，成為社會經濟的促進者，更可產生一個新興市場。
Therefore President this will actually benefit everyone as we can on the one hand provide a safety net for the elderly and on the other under a comprehensive and sound retirement protection system the elderly will have the means to spend and become a facilitator of society and the economy and better still create an emerging market too
主席，我想在餘下的時間提出以另一角度討論今天的議題。
President in my remaining speaking time I wish to discuss todays topic from another angle
除了全民養老金這個提供經濟資助的概念外，其實我們需要的是一套完善的安老政策。
Apart from the concept of establishing a universal Demo - grant to provide financial subsidies actually we need a comprehensive elderly care policy
歸根究底，我們應該要問的是究竟香港政府和立法會希望為香港的長者提供怎樣的晚年生活？
In the final analysis the question we should ask is What kind of living do the Hong Kong Government and the Legislative Council wish to provide to the elderly in their twilight years?
我想答案應該很簡單，便是活得有尊嚴、活得有質素。
I think the answer should be simple . The elderly should live in dignity and quality
這牽涉我們的安老政策必須有一個宏觀的藍圖，這也是我今天在修正案中提及的藍圖的意義。
This involves a macroscopic blueprint in our elderly care policy and this is also the meaning of blueprint that I mentioned in my amendment today
主席，在繼續討論的過程中，正如剛才郭偉强議員提到，社會上必然有很多活生生的例子是我們無法逃避的。
President as we continue with this discussion and as Mr KWOK Wai - keung mentioned earlier there are certainly many live examples in society that we can hardly evade
我相信有一個例子都能觸動大家的心靈，便是最近有關一位中風癱瘓病妻的個案。
I think there is an example that has touched the hearts of all Members and that is a recent case about a mans wife who became paralyzed after suffering from a stroke
有一位伯伯由於無法照顧他的病妻，於是親手結束她的生命，然後自首。
As the man who is an elderly could not take care of his ailing wife he killed her with his own hands and then turned himself in to the Police
這其實顯示社會的另一面，便是獨居長者又或我們稱為"二老家庭"，即兩位長者組成的家庭的情況。
This actually reveals another side of society about elderly who live on their own or the two - person elderly households as referred to by us which means a household consisting of two elderly persons
主席，前特首在20年前對長者需要的評估，到了今天可能已不合事宜。
President the assessment of the needs of the elderly made by a former Chief Executive two decades ago may already be obsolete nowadays
在董建華的年代，當時的需要可能只是足夠的社區照顧名額、充裕的長者宿位等，做到"老有所養、老有所屬"。
During the era of TUNG Chee - hwa the needs at the time may be met solely by the provision of adequate community care places an ample supply of residential care places for the elderly and so on with the objectives of achieving a sense of security and a sense of belonging among the elderly
但是，我們說"老有所養、老有所屬"已經20年了，至今我們仍然面對宿位不足等問題。
But we have been talking about a sense of security and a sense of belonging for the elderly for two decades already and we still face such problems as a shortage of residential care places now
主席，這正正便是我所說的藍圖，也就是並非硬件的追求，亦不是數字和金錢上的追求，而是一套宏觀的策略，說明如何保障我們的長者。
President this is exactly what I mean by blueprint . In other words it is not about a pursuit of hardware; nor is it about meeting numbers and obtaining funds but a macroscopic strategy setting out how we can afford protection to our elderly
我想在以下的時間說說"平安三寶"。
In the following I wish to talk about the three keys for peace of mind
我們曾接觸一些社會服務機構，他們已開始談生死教育，亦開始利用親子課程，以達致社區教育的效果。
We have had contact with some social service organizations and they have started to talk about life and death education and they have made use of parent - child programmes to achieve the objective of community education
包括遺囑、持久授權書及預設醫療指示。
They refer to a will an enduring power of attorney EPA and an advance directive
我相信很多市民也知道遺囑是甚麼，反而是有關長者，尤其是漸漸失去某些能力，例如腦退化長者的個人預先安排所牽涉的第二寶和第三寶，可能我們的社區或社會則較少接觸。
I believe many people know what a will is . On the contrary our community or society may less often come across the second and the third keys concerning the advance arrangements made individually by the elderly especially elders who are gradually losing certain abilities such as those suffering from dementia
第二寶所說的持久授權書在1997年透過《持久授權書條例》訂立，但根據2008年法律改革委員會的報告，在1997年至2006年的9年之間，原來只有16份持久授權書獲註冊。
An EPA which we refer to as the second key was introduced by the Enduring Powers of Attorney Ordinance in 1997 . But according to the report of the Law Reform Commission in 2008 only 16 EPAs had been registered in the nine years from 1997 to 2006
這顯然是社會對相關的法律工具認識不足。
Obviously this is indicative of a lack of understanding of this legal instrument in society
這當然是較好及能夠在護理安排上使長者安心的法律工具，尤其是當長者患重病時，我們經常看到很多長者由於沒有作出相應措施，其家人又未必有足夠資金幫助長者處理其護理的問題。
This legal instrument is certainly better in putting the minds of the elderly at ease about their care arrangements . This is particularly so when the elderly are seriously ill as we always see that many elderly have not made these arrangements while their family members may not have the means to help the elderly handle issues relating to their care
這是我們需要做的，我亦希望局長能在未來日子推動社會對這方面有多一點的認識，從而能夠真正幫助長者，又或讓社會上有更多人認識，尤其是子女或社工等，讓他們可在社區推廣和參與。
This is what we need to do and I hope the Secretary can in future enhance the communitys understanding in this respect in order to truly provide assistance to the elderly or through promoting greater understanding among members of the community especially children of the elderly or social workers they can promote it in the community and participate in it
這其實能夠為長者作出適切的安排和準備。
This can indeed make suitable arrangements and preparations for the elderly
至於第三寶所說的預設醫療指示，相信更少社會人士認識。
As regards an advance directive which we refer to as the third key I believe even less people are aware of it
這可能與中國人的傳統有關，因為長者或家人很多時候也未必能夠坦然面 對自己病重時應如何作出處理。
This may have to do with the Chinese traditions as the elderly or their family members often may not be able to calmly face what arrangements should be made when they are seriously ill
如果預設醫療指示在簽署時加入預設照顧計劃，病人、家人和醫療團隊便可商討一個可接受的方式，令病人在晚期時有一個大家也明白的醫療照顧計劃，讓長者安享晚年。
If in signing an advance directive a pre - arranged care plan can be included the patient his family members and the medical team can negotiate an acceptable approach for treatment of the patient according to a health care plan understood by all parties when the patient reached a terminal stage thereby enabling the elderly to have a secure old age . President I have spoken at length in the hope of convincing the Secretary and Honourable colleagues in this Council that what we need is not only hardware
主席，說了那麼多，其實也是希望說服局長和本會同事，我們需要的並非只是硬件，不只是提供更多床位和宿位那麼簡單，當然這些也是我們要追求的，亦並非簡單地設立全民養老金，當然這也是很遙遠的事情，我們仍會繼續爭取，而是希望在羅局長的帶領下，能夠有更宏觀、更廣闊的思考角度來面對我們日益老化的社會。
We need not only more hospital beds and residential care places though these are of course what we should work for too . Also what we need is not only as simple as putting in place a universal Demo - grant which is of course something most remote though we will continue to fight for it . Rather I hope that under the leadership of Secretary Dr LAW the Government can take a more macroscopic and broader angle in its consideration in the face of our society which is ageing continually
全民退休保障這議題討論了這麼多年，經這麼多位學者、這麼多間機構及這麼多個民間團體進行這麼多次的民意調查後，還可以說沒有共識嗎？
The topic of universal retirement protection has been discussed for years . There have also been numerous opinion polls conducted by various academics organizations and community groups . Can we still say that no social consensus has been reached yet?
我們亦看到，很多調查顯示大約五成多，接近六成的受訪者支持全民退休保障計劃全數由政府的稅收支付；有八成人認為政府應該即時落實全民退休保障；有近六成的受訪者贊成將部分強積金的供款撥入退休保障計劃。
We can also see from the surveys that over 50 % or close to 60 % of the respondents support that the universal retirement protection scheme be entirely funded by public coffers; 80 % of them think the Government should immediately implement universal retirement protection; and nearly 60 % support the transfer of part of the contribution for the Mandatory Provident Fund to the retirement protection scheme
這些數字已經存在很多年，亦在社會上反覆討論多年。
These poll figures have been available and repeatedly discussed in society for years
如果這些不是共識、不是民意的話，我請議員或新任局長以數據來說服我們，社會是否仍未有共識？
If these do not represent a society consensus or reflect public opinion I call on Members or the new Secretary to convince me with figures . Has a consensus yet to be reached in society?
所謂沒有共識，可能指有不同的方案和不同的供款方式。
When people talk about a lack of consensus they may point to the having of different proposals and contribution methods in society
當然這麼複雜的計劃，有很多"盤數"、很多方法可以達致。
For such a complicated scheme it is just reasonable to have various financial projections and implementation methods
你可以說支持2064方案，也可以支持周永新的全民老年金方案或改良方案，是有不同的方案可以達致全民退休保障這目標的。
While one may support the 2064 proposal others may back Prof Nelson CHOWs universal Demo - grant or the refined proposal . The objective of universal retirement protection is achievable through different proposals
剛才有議員提到這些方案會影響社會未來數十年的發展，這樣我們是否需要很小心處理呢？
Some Members have said just now that these proposals would affect the development of society for the next few decades . So should we need to deal with them carefully?
但是，我想說的是，正如剛才也有議員提及，我們很多的基建工程，當中很多是"大白象"、"小白象"及"疑似白象"的工程，那些工程不只影響香港數十年，甚至影響香港一百年！
However as some Members have also mentioned just now what I wish to point out is that for the many local infrastructure projects a majority of which big white elephant small white elephant or suspected white elephant their impact on Hong Kong will last for not just a few decades but as long as a hundred years!
基建並非不重要，基建也可以支持經濟發展，但市民能否在很短時間內直接受惠呢？
Infrastructure projects do help support our economic development and are not unimportant . But can the projects directly benefit members of the public in the short run?
香港人的錢投放在哪裏是最直接，對每個人都有最大的利益呢？
What kind of Government spending is most directly beneficial to and in the best interests of each of us?
大部分典型的中產、"夾心階層"家庭，用一生人的積蓄，購置一間物業，然後"打一世工"，可能有數十萬至近百萬元的退休金，這是非常典型的。
As a typical life of middle - class or sandwich - class families they spend their lifetime savings on a property and retire with a pension totalling several hundred thousand dollars to nearly one million dollars after working for the whole life . This is a stereotype of the middle class
我指的是很典型的非基層家庭，即"夾心"和中產家庭。
What I refer to are typical sandwich - class and middle - class families not the grass roots
為甚麼要令這麼多的家庭提心吊膽，如此沒有尊嚴，內心這麼空虛地度過退休生活？
Why we have to make so many families to lead an undignified retirement life to be haunted by constant fear and the feeling of emptiness
正如剛才很多議員所說，肯定不是"盤數"的問題，肯定不是計算的問題，而是政府不為。
As many Members remarked just now it is definitely not because of the unfavourable financial projections but because of the Governments reluctance to implement it
大家要緊記，這些全部是投資，投資涉及風險，當雷曼也可以倒閉時，政府仍鼓勵市民多作這類投資，是否只讓那些金融機構和會計師、律師這些專業人士賺取更多金錢呢？
However we have to bear in mind that all these are investment products and investment involves risks . When even Lehman Brothers will collapse the Government is still so eager to encourage the public to invest more in these products . Is it only intended to enable financial institutions and such professionals as accountants and lawyers to earn more money?
代理主席、電視機前的朋友，大家可能發現香港工會聯合會今天的發言，跟其他愛國愛港人士平時的想法相對不同，因為工聯會從來也是站在基層和勞工的角度愛國愛港。
Deputy President and people watching the television all of you may find the remarks made by the Hong Kong Federation of Trade Unions FTU relatively different from the opinions normally expressed by people who love the country and Hong Kong for FTU always loves the country and Hong Kong from the perspective of grass roots and workers
我們不排除也不否認應該以階段性手法作資產審查，以及按需要為長者提供福利和保障，但長遠來說，我們認為必須設立全民退休保障制度，為全港越來越多的長者提供保障。
We do not rule out or deny the need for means tests to be implemented in phases and provision of welfare and protection to the elderly according to their needs . However in the long run we consider it a must to establish a universal retirement protection system to provide protection to the growing number of elderly in Hong Kong
因此，我們會支持郭偉强議員的修正案和原議案，以及其他議員及楊岳橋議員的修正案。
Hence we will support Mr KWOK Wai - keungs amendment and the original motion as well as the amendments proposed by other Members and Mr Alvin YEUNG
代理主席，人生在世，有一件事是十分公平的，就是每人的時間也相同。
Deputy President one thing that is fair in everyones life is the time each of us has
不論我們有多少錢、有多能幹或站在多高的權位，我們也會有老去的一天。
No matter how rich how capable or how high and mighty we are we will grow old
因此，如何做好安老、護老，讓長者安享晚年，是不同時代和不同國家也必須處理的問題。
Hence in different eras countries must deal with issues concerning elderly care and protection and consider how to ensure that the elderly can lead a peaceful life in their twilight years
中國人很久以前已提倡孝道，就是希望透過倫理教化，令年青人可以照顧和敬愛父母，從而達到養兒防老的社會功能。
Filial piety was promoted by Chinese long time ago hoping that by means of ethical education young people would care for and respect their parents fulfilling the aspired social function of raising children for ones old - age protection
我們個人肯定有責任在年青時打拼，以保障自己的退休生活，但政府也應負上責任，在福利制度上為長者提供退休保障。
It is definitely correct that we have to work hard during our younger years to ensure protection for our retirement life yet the Government is also obliged to provide retirement protection to the elderly under the welfare system
世界銀行在2005年提出一個完善的長者入息保障體系，即我們經常說的5根支柱，局長在剛才的開場白也曾提及。
In 2005 the World Bank proposed a comprehensive income protection regime for the elderly that is the five - pillar model we often mentioned and the Secretary also mentioned that in his beginning speech
其實，有兩根支柱必須由政府承擔，一根是"零支柱"，即由公帑支付的社會保障計劃；另一根是由公營管理的強積金制度，就是我們所講的全民性或綜合性退休保障。
In fact two of the pillars must be undertaken by the Government . One is the zero pillar which is in the form of social protection schemes funded by public money . Another is the mandatory provident fund system managed by public organizations which is the universal or integrated retirement protection we are referring to
我們不希望有一種情況，就是有部分長時間在港生活的市民，在年老時因花光積蓄而"臨老過唔到世"。
We do not hope to see certain people who have been living in Hong Kong for a long time end up in misery in their old age for having exhausted their savings
很可惜，上屆政府經過5年諮詢和討論，這根支柱仍是不了了之。
Regrettable despite five years of consultation and discussion the previous - term Government took no action to establish this pillar
雖然政府表示已在退保上下了很多工夫，例如推出高額長者生活津貼，又有公共年金計劃、銀色債券等，但從概念來說，這些均不屬於第一根支柱。
Though the Government said that it has done a lot in retirement protection such as introducing the Higher Old Age Living Allowance HOALA public annuity scheme and Silver Bond Series and so on these measures do not belong to the first pillar in conceptual terms . Take the Old Age Living Allowance OALA as an example
由於計劃設有資產及入息審查，明顯針對基層和生活水平不高的特定長者，並非人人受惠。
But since assets and means tests are required under the scheme the target recipients of the scheme are obviously specific elderly persons in the grass roots and those with a relatively low living standard . In other words not everyone will be benefited
至於公共年金、銀色債券，更是第三、第四根支柱的個人儲蓄行為，參加的市民要先有一大筆金錢投資才收到回報。
As for the public annuity scheme and the Silver Bond Series they involve individual saving activities which belong to the third and fourth pillars . People participating in those two schemes must have a large sum of money for investment in order to make a return
因為要先投入100萬元現金給按揭公司，才可以每月領取5,000元，而且男和女所得金額也不相同。
For participants of the scheme have to place 1 million with the Hong Kong Mortgage Corporation Limited to receive a monthly payment of 5,000 and the amount varies from male to female
試問香港有多少長者真的是百萬富翁？
May I ask how many elderly persons in Hong Kong are millionaires?
如果隨時可以動用100萬元購買年金，我相信他們也不會對香港的福利制度有這麼多批評。
If they could fish out 1 million for the procurement of annuity I thought they would not have so many criticisms against the welfare system in Hong Kong