Borrison/hk-legicost huggingface dataset:
他們很期望，當財政盈餘許可，在財政預算案方面，可以協助他們，讓他們減輕壓力。
They eagerly wish that the Government can help them and alleviate their pressure through the Budget when the balance of fiscal surplus allows
所以，我們期望下星期的財政預算案，在財政盈餘許可下，會提出為中產退稅、免差餉，以及免地租的安排。
So we hope the Government can introduce measures like tax rebate rates waiver and Government rent waiver for the middle class in the Budget next week if the fiscal surplus renders this possible
總括來說，我期望財政司司長，以至新一屆政府更積極有為，展示新視野和承擔，千萬、千萬不要因循守舊，死守過去經常提到的"緊箍咒"。
In a nutshell I hope the Financial Secretary and even the new government cabinet can proactively demonstrate their new vision and commitment but never rigidly follow the rulebook clinging on to the excess self - restraint in fiscal management frequently reiterated in the past
我們要有新的理財哲學，把錢用於刀口上，因應財政狀況，適度增加公共投資，應對深層次矛盾，回應社會不同階層的訴求，讓市民真正分享到經濟成果。
We need a new philosophy for fiscal management and to spend the money where it is due . Depending on our fiscal conditions it is also necessary to increase public investment properly to deal with our deep - rooted problems in response to the aspirations of different sectors in society so that the people can truly share the fruits of economic development
主席，今次是特首任內最後一份施政報告，他也花了不少篇幅總結現屆政府的工作，我也希望利用餘下時間，分別以經濟發展、土地房屋、扶貧安老3方面提出民建聯對現屆政府工作的一些總結。
President this is the last Policy Address by the Chief Executive . He has spent a lot of paragraphs concluding the jobs done by the present Government . In the rest of my speech I also wish to provide DABs summary of the existing Governments performance from three aspects of economic development land and housing as well as poverty alleviation and elderly care
整體來說，我們認為針對經濟、民生的矛盾，現屆政府是看到問題所在。
Generally speaking we believe the incumbent Government has identified the problems concerning the contradictions between the economy and the peoples livelihood
所以，現屆政府在過去5年敢於迎難而上，特別面對立法會"拉布"不斷，特首和整體政府取得的成績，是得來不易，亦不容抹煞的。
Therefore the Government had the courage to go against the odds over the past five years especially amid endless filibusters in the Legislative Council . It is totally not easy for the Chief Executive and the overall Government to have achieved such a performance
但必須承認，雖然本屆政府已非常努力，但社會仍然有不少問題未解決。
We simply should not forget this . However we must confess that despite the Governments best endeavours there are many problems remain unresolved in society
先談經濟發展。
Let us talk about economic development first
本屆政府認識到香港既要鞏固傳統產業，亦要促進產業多元化，並看到創新科技的重要性。
The present Government realizes that Hong Kong needs to both consolidate its traditional sectors and promote diversification of its industries . It also notices the importance of innovation and technology
特區政府經常強調"內交"及"外交"，"內交"是指政府要積極協助企業把握國家"十三五"規劃和"一帶一路"的機遇，特區政府任內亦設立專門辦事處，發放信息，協助企業掌握機遇；而在"外交"上，我相信本屆政府是歷屆政府中最積極在不同地區開設辦事處和聯絡處的，讓香港企業品牌走出去。
The SAR Government always emphasizes homeland relationship and foreign affairs . Homeland relationship means that the Government has to actively assist enterprises to grasp the opportunities arising from the National 13 Five - Year Plan and One Belt One Road . During the term of the SAR Government it has established a specific office for updating enterprises and enabling them to take their chances; on foreign affairs I believe among all previous Governments the incumbent Government is the most active one in setting up offices and liaison units in different regions so as to facilitate Hong Kong enterprises to venture outside
此外，政府亦成立香港金融發展局，大力推動創新科技發展，希望追回落後進度。
Moreover the Government has set up the Financial Services Development Council FSDC and strive to promote development of innovation and technology in a bid to make up for the lost time
不過，5年任期其實很短，很多工作也需要持續進行，例如剛才也有同事提到，金發局至今發表了28份報告，而且以我理解，這些報告都是由業界精英和專家努力製作，他們很擔心報告只是繼續停留在報告階段，未能一一落實。
But a term of five years is indeed short as many tasks have to be continuously carried out . For example as mentioned by another Member earlier FSDC has released 28 reports by now . As far as I know all these reports are prepared by top talents and experts in the sector with considerable effort and they worry that these reports will be left aside rather than having the measures actually enforced
因此，我要求下屆政府認真檢視金發局的角色。
Therefore I urge the next Government to seriously review the role of FSDC
另一方面，我們亦要承認，雖然政府多番努力提出很多措施，但經濟結構及整體狀況仍未有突破性變化，我們面對的一些問題和限制仍然存在。
On the other hand we also have to admit that measures proposed by the Government still fail to make any breakthrough in economic structure and overall situation . Many problems and restrictions still exist
首先，地產及金融為主的格局依舊，而一些傳統行業，例如物流、空運和航運也受到嚴峻挑戰，旅遊業的發展繼續面臨瓶頸。
Firstly the dominance of the property and financial sectors remains while such traditional industries as logistics air freight and transportation are faced with severe challenges and tourism development has reached a bottleneck
香港的科技水平與創新能力在很多國際評級報告的評分依然不足，這也是限制香港繼續騰飛的一大因素。
Hong Kongs standard of innovation and technology is still not adequate according to many international assessment reports which is a major limitation restricting our advancement
第二，中小企的經營更加艱難。
Second SMEs are enduring increasingly difficult moments
每次與中小企經營者見面時，他們也向我反映在香港經營越益艱難，因為租金貴、工資貴，又難以聘請員工，且合規成本又不斷增加，再加上政府支援不足，令發展空間越見狹窄。
Each time when I meet proprietors of SMEs they relay to me the worsening business environment in Hong Kong . High rents and wage level manpower shortage increasing compliance cost and insufficient government support have all constrained their room for development
第四，近年高薪職位越來越少。
Fourth the number of high - paid jobs has been decreasing in recent years
近月很多專業朋友慨嘆難以覓得好工作，表示可能要到新加坡或其他地方，才能夠找到好工作。
In the last few months many members from professional sectors felt pity about the difficulties in getting good jobs saying that they may need to move to Singapore or other places for greener pastures
香港由於產業發展失衡，而流失了好職位，對此我非常心痛。
I am so sorry about the loss of decent jobs owning to an imbalanced development of industries in Hong Kong
最後，"打工仔"面對過去10年物價不斷上升，但實質工資增長卻追不上物價升幅，所以中產面對的困局不輕。
At last as increases in real salaries were not able to catch up with continuous rises in price level over the last decade the middle class have been encountering a considerable amount of difficulties
他們壓力大，而物價貴，加上有很多人未能置業，而青年人亦要繼續面對向上流動機會不足這個事實。
They have to deal with enormous pressure and an exorbitant price level while many of them have yet to purchase a property . Furthermore young people still have to deal with a lack of upward social mobility
主席，接下來，我想總結政府在土地房屋和扶貧安老方面的工作。
President I will then recap the Governments tasks in land and housing as well as poverty alleviation and elderly care
土地房屋是現屆政府施政的重中之重，各界自然相當關注。
Land and housing is the most important issue recognized by the existing Government and it is just natural that it becomes the focus of all sectors in society
我認 為這範疇是眾多深層次矛盾中，最核心的矛盾。
I reckon that this subject is the core of the deep - rooted problems in our city
過去5年來，特區政府在增加土地和房屋供應方面的決心有目共睹。
In the past five years the SAR Government demonstrated notable determination in raising land and housing supplies
特區政府檢討土地用途、提升發展密度、持續賣地、推動鐵路物業項目發展，在未來三四年，一手住宅的潛在供應量將達94,000個，較5年前增加45%；當時公營房屋的5年預計興建量只是68,900個，現時已增加至94,500個。
With the SAR Governments review of land use increase in development intensity continuous land sale and promotion of railway property development it is projected that the potential supply of first - hand residential properties will reach 94 000 units in the upcoming three to four years increasing by 45 % as compared to five years ago; the estimated public housing production for five years was only 68 900 units than but the number has increased to 94 500 units today
在中長期方面，政府也想出不少方法，包括發展新市鎮，以及研究在維港以外適度填海，提出中部水域人工島項目。
In the medium and long run the Government has devised many methods as well including new town developments studies on reclamation on an appropriate scale outside Victoria Harbour and the proposal of artificial islands in the central waters
相信大家也明白，這些項目和想法就是想為香港的中長期土地供應作準備。
I believe Members can understand that these projects and ideas aim to plan for land supply in Hong Kong in the medium and long term
雖然政府已出盡洪荒之力，但我們必須承認，回看現時的樓價，市民"上樓難"、置業難、"劏房"多及公屋輪候時間長的問題仍未解決。
Despite the Governments very earnest endeavours we must confess that current property prices have rendered it very difficult for the people to purchase a flat while we are still fraught with problems of having a significant number of subdivided units and long waiting time for public housing
企業營商及市民生活的成本亦因而不斷上升，削弱了海外人才及企業來港發展的意欲。
Such problems further contribute to inflating cost of business operation and living discouraging overseas talents and enterprises from coming to Hong Kong
主席，本屆特區政府相當明白貧富懸殊和人口老化的問題一直困擾香港社會。
President the present SAR Government well understand the troubles caused by the wealth gap and an ageing population to society all along
在扶貧安老方面，政府推出一系列切實措施，包括訂立貧窮線、推出長者生活津貼及低收入在職家庭津貼、推出"廣東計劃"、"福建計劃"，以及降低長者醫療券的受惠年齡。
Regarding poverty alleviation and elderly care the Government has proposed a series of concrete measures including setting the poverty line introducing OALA and the Low - income Working Family Allowance introducing the Guangdong Scheme and Fujian Scheme as well as lowering the eligibility age for Elderly Health Care Vouchers
此外，當局也建議逐步取消強積金對沖安排，增加一層高額長者生活津貼，以進一步完善市民的退休保障。
Moreover the authorities have also proposed gradually abolishing MPF offsetting arrangement and adding a higher tier of allowance under OALA so as to further optimize the retirement protection given to the people
在特區政府一系列扶貧政策的介入下，我們看到一些成效。
The SAR Governments policy intervention has achieved certain effects in poverty alleviation
當局去年公布香港的貧窮人口是97萬，人數自2012年持續下跌兩年後首次回升，上升9,000人。
According to figures published by the authorities last year poverty population in Hong Kong stood at 970 000 rising by 9 000 an increase for the first time since 2012 after trending down for two years consecutively
所以，雖然政府做了那麼多工作，有關數字依然顯示，我們仍要繼續努力。
Despite all these efforts devoted by the Government the figures still indicated that there is no room for complacency
主席，總結上述所說，我認為現屆政府在促進經濟、改善民生的工作有成效。
President in a nutshell I believe the current Governments efforts in promoting the economy and improving the peoples livelihood have been effective
我要特別指出，如果沒有政府過去數年在土地房屋、改善民生方面的努力，很多深層次問題可能較現在更嚴重，香港社會所面對的困難會更大，甚至惡化至危機狀態。
In particular I have to point out that many deep - rooted problems would have worsened if the Government had not made such efforts in land and housing and the peoples livelihood over the last few years and the situation in Hong Kong would have deteriorated even turned into a crisis
總結特區政府過去5年在經濟、民生等工作的成效，我希望提出對未來行政長官，以至特區政府的兩點啟示。
In summarizing the effectiveness of the SAR Governments work relating to the economy and the peoples livelihood over the past five years I wish to give two pieces of advice to the next Chief Executive and even the coming Government
因此，我們應要改變既定的公共理財觀念，準確評估盈餘，善用財政儲備，並透過收入再分配， 縮窄貧富差距。
Therefore we should alter our established concept of public finance accurately forecast fiscal surplus make good use of fiscal reserves and reduce the wealth gap by income redistribution
另一方面，我們應繼續支持有潛力的企業，讓他們可貢獻GDP，最終讓不同階層市民分享經濟成果。
On the other hand we should continue supporting enterprises with potential so that they can make their own contributions to GDP eventually enabling people from different classes to share the fruits of prosperity
第二，政府必須準確履行自己的角色和職責，積極推動香港產業發展，正確的便要做，有共識的便要做，不能再蹉跎歲月；亦不應以自由市場為藉口，任由企業，特別是中小企單打獨鬥。
Second the Government must get ready for fulfilling its own roles and functions to actively promote the development of various sectors in Hong Kong . We can no longer idle our time away and must take action where it is right and where consensus is reached . Likewise we should not allow private enterprises SMEs in particular to fight on their own under the pretence of free market
主席，雖然現屆政府餘下的任期不長，我仍期望它繼續謹守崗位做好現在，落實施政報告的為民政策。
President although the current Government does not have a long remaining term of office I still hope it can go on performing its duties and carrying out the policies in the Policy Address for the people
我亦期望未來一屆政府擇善有為，同樣有迎難而上的決心和承擔，為市民創造更好的生活環境。
I also expect the next Government to insist on the right course and bear the same determination and commitment against all odds so as to create a better living environment for the people
主席，我謹此陳辭，支持致謝議案。
With these remarks President I support the Motion of Thanks
這次是梁振英最後一份施政報告，雖然梁振英表面上放棄以往鬥爭和挑動社會矛盾的一貫做法，但卻仍然貫徹其施政風格，往往違背香港人的意願。
This is LEUNG Chun - yings last Policy Address . Though LEUNG Chun - ying has apparently given up his usual practice of struggling and provoking social conflicts he is still adopting the kind of governance which violates Hong Kong peoples will
他點出問題所在，但以最壞的方式和手法來處理。
Despite having been able to point out the crux of the problems he handled them using the worse means possible
他或許有良好的意願，但卻只懂得採用荒謬的手段。
Probably he had good intentions yet the means he adopted were ridiculous to the bone
梁振英在總結施政報告時只集中討論民生，完全沒有反省他在過去5年的管治手法，為香港帶來難以彌補的裂痕，更欠香港人一句道歉。
LEUNG Chun - ying only focused his speech on the peoples livelihood when concluding his Policy Address without introspecting any of the irreconcilable contradictions brought by his governance in the last five years . He owes Hong Kong people an apology
民主黨對此表示極之憤怒和遺憾。
The Democratic Party expresses utter disapproval and regret in respect of this
至於梁振英以為自己已履行大部分競選政綱的承諾，民主黨也認為這只是一貫的語言"偽術"，他的很多承諾都只是做一半便當作完成了，甚至沒有做的也當作做了。
As regards LEUNG Chun - yings self - perception that he has honoured most of his election pledges the Democratic Party considers this as another example of his hypocritical rhetoric . He regards that he has fulfilled many pledges despite having merely finished them in part or not even having started working on the tasks at all
無論全民退保、標準工時，以至其他民生項目也有很多例子，留下很多工作給下任政府跟進。
Examples are universal retirement protection standard working hours and many other issues about the peoples livelihood . Many of his unfinished tasks will have to be handled by the next Government then
因此，對於這份施政報告，民主黨只可以說是一份梁振英為自己打圓場、為自己臉上貼金、隱惡揚善的"炒冷飯"報告，是一份完全不 合格、沒有水平、欠悔意的報告，既沒有反省過去數年的管治問題，亦未有為下屆政府提供一條重新出發的出路。
Therefore with regard to this Policy Address the Democratic Party can only take it for a report under which LEUNG Chun - ying attempts to justify and glorify himself and to hide his wrongdoings while bragging about himself by repeating any previous achievements . Such a report is totally not up to standard and without quality nor is it showing any remorse in him . He has not introspected about the problems of his governance over the last few years neither has he offered a way out for the next Government so that it can restart afresh
說回這次施政報告的工商經濟措施，其實同樣充斥着這種"梁振英風格"。
Regarding the measures about industry commerce and economy proposed in the Policy Address this LEUNG Chun - ying style can be seen over all the paragraphs as well
在這份施政報告中的其中一個爭議點，便是要發展灣仔運動場。
One major dispute concerning the Policy Address is the proposal to use the Wan Chai Sports Ground for comprehensive development
我們認同現時香港缺乏會議展覽場地，但政府與其改變灣仔運動場的用途，何不發展大嶼山亞洲博覽館旁邊已預留的會展場地？
We recognize a lack of convention and exhibition venues in Hong Kong but why does the Government not develop the site adjacent to the AsiaWorld - Expo on Lantau earmarked for this purpose instead of changing the use of the Sports Ground?
又以發展河套區"港深創新及科技園"為例，政府直接委任科技園公司管理河套區的做法亦引起社會的質疑。
Another example is the development of Hong KongShenzhen Innovation and Technology Park in the Lok Ma Chau Loop . The Governments arrangement to directly engage the Hong Kong Science and Technology Parks Corporation HKSTPC as the manager of the Lok Ma Chau Loop has been subject to queries in society too
雖然政府表示科技園公司有發展科學園區的經驗，但單一管理的模式是否最好的做法？
Though the Government explains that HKSTPC has experience in developing science parks yet it is the best way to adopt a single management model?
政府是否有需要在現階段便決定由科技園公司負責此項目呢？
Does the Government have to confirm assigning HKSTPC for managing the project right at this stage?
相關的項目又是否需要沿用原來的模式來處理呢？
Is it necessary to handle the project concerned by adopting the existing management model?
提到河套區發展，我想深入討論香港再工業化的問題，而這正正是我們認為繼續由科技園公司負責項目未必能勝任的原因。
Speaking of the Development of Lok Ma Chau Loop I would like to thoroughly discuss re - industrialization in Hong Kong and this is exactly why we believe that HKSTPC may not be capable to handle the project
自從政府成立創新及科技局以來，再工業化成為政府其中一項重點政策。
Since the Government has established the Innovation and Technology Bureau re - industrialization has become one of the Governments major policies
創新及科技局局長在不同場合提到再工業化，他指出再工業化所指是聚焦在機械人技術、健康老齡化及智慧城市3個範圍。
The Secretary for Innovation and Technology has mentioned re - industrialization in different occasions pointing out that re - industrialization means focusing on the three areas of robotics healthy ageing and smart city
但是，在上一份和這份施政報告中，梁振英均提出再工業化應該包括"生物科技、大數據、物聯網、人工智能、智慧城市等"。
That said in both the past and current Policy Addresses LEUNG Chun - ying says that re - industrialization should include biotechnology big data the Internet of Things artificial intelligence and smart city
政府在不同場合對再工業化有不同的表述，究竟政府所指的再工業化是怎麼一回事呢？
The Governments descriptions of re - industrialization vary in different occasions so what exactly does the Government mean by re - industrialization? . What kind of blueprint is there?
有何發展藍圖，又如何令社會不同階層的市民受惠？
How will it benefit people in different social classes?
如何令再工業化由口號"落地"至可能成為未來多元經濟的火車頭？
How is it going to turn the slogan of re - industrialization into practical action and even into a locomotive for a diversified economy in the future?
民主黨認為政府在推出任何政策前，應該先釐清再工業化的發展藍圖和目標。
The Democratic Party believes that the Government should clarify the blueprint and goal of re - industrialization before introducing any policies
我們認為再工業化的其中一個目標，必然是推動新型的工業生產，令香港經濟能夠多元發展，惠及社會的不同階層。
We consider that by promoting re - industrialization the Government must set its sight on taking forward new industrial production so as to diversify Hong Kongs economy and benefit people in different social strata
推動工業多元發展，其實是要求不要把雞蛋全放進同一個籃子裏，讓香港的經濟可以抵禦不同的經濟周期。
Promoting diversified industrial development means not to put all your eggs in one basket so that Hong Kongs economy can withstand downturns in different cycles of different industries
一旦金融或旅遊業經歷低潮，我們仍然有高科技的工業生產帶動不同行業發展，保持經濟動力。
So when the financial or the tourism sector are staying in the troughs high - tech industrial production can still provide the momentum driving the development of various sectors thereby maintaining overall economic vitality
以東莞為例，近年工人短缺，很多企業也嘗試以機械人進行工業生產。
Take Dongguan as an example the shortages of labour in recent years have rendered many enterprises to try using robots as a replacement for manpower
隨之而來，便是帶動整套產業鏈及維持物流配套的服務發展。
This has then driven the entire industry chain forward and sustained relevant logistical and ancillary services
可是，政府現時規劃的河套區、工業園區又該怎樣做呢？
However how about the Lok Ma Chau Loop and industrial parks under planning at the moment?
會否考慮類似經驗？
Will the Government consider applying similar practices?
會否預留廠房、土地進行高增值的工業生產，使香港未來的經濟可以維持多元發展呢？
Will it earmark factory premises and lands for high value - added industrial production so that Hong Kong can maintain a diversified economy in the future?
其實，政府有否把有限資源用在最重要的位置上呢？這是市民大眾質疑的。
In fact the people are wondering if the Government has spent its limited resources on areas where they are needed most?
總的來說，政府在最近兩次施政報告都大灑金錢，推動創科及再工業化發展。
In a nutshell the Government has spent big on innovation and technology and re - industrialization in the Policy Addresses this year and the last
不過，在過去10多年，政府已經先後發展數碼港、不斷擴建科學園，但香港的高科技產業發展卻仍然停留在研發層次，未能成功把研發成果轉化為產品，只停留在瓶頸位置。
Nonetheless despite having developed the Cyberport and continuously expanded the Science Park over the last 10 years or so the Government is still unable to take our high - tech sector beyond the stage of research and development RD
不然，所謂的再工業化，只會成為另一個口號，而我們的河套發展和科學園，到最後也只會變成替他人作嫁衣裳的"高大空"口號，這絕對不可能凝聚社會共識，為我們未來多元經濟進程提供足夠動力的火車頭。
Otherwise the so - called re - industrialization will merely become another watchword while the Development of Lok Ma Chau Loop and the Science Park will eventually become a grand slogan used by others as stepping stones . Not consensus can be reached in society under such circumstances nor can we create sufficient impetus for a diversified economy in the future
主席，這份是特首梁振英在任最後一份施政報告，這可能是香港人唯一想致謝的理由。
President perhaps the only reason for Hong Kong people to feel thankful is that this is Chief Executive LEUNG Chun - yings last Policy Address
但是，回看施政報告的內容及梁振英5年來的施政，其施政報告其實是一份"離任走數"及拒認"施政差"的報告，而"走數"的項目繁多，罄竹難書。
Upon reviewing the contents of the Policy Address and LEUNG Chun - yings governance in the last five years it can be said that the Policy Address is indeed a report of his numerous counts of broken promises and denials of his poor administration
我們作為議員，不應該用一種"只見樹木，不見森林"的態度，只說出一些"小對"，而不說出一些"大錯"。
As legislators we must consider the big picture instead of merely pointing out the less significant areas where he has done right but not referring to the more series faults committed by him
公道的說，政府5年來的工作，當然不會是"零"，這是作為政府的必要之義，但特首要知道"功不抵過"這種說法的意思。
To be fair of course it is impossible that the Government has zero accomplishment over these five years . The Government is duty - bound to produce a certain level of attainment . However the Chief Executive should know that ones achievements cannot outweigh his faults
由於此份施政報告"走數"的部分實在太多，包括政制、房屋、土地、勞工、教育，以至我們在這一節談及的經濟、工商及科技範疇。
As the Policy Address has gone back on too many promises made in relation to such areas as constitution housing lands labour education and the subject of this session economic development commerce and industry and technology
我覺得這難以令人感到欣喜或認為要致謝。
I believe that it is rather difficult to feel happy or thankful in respect of this performance
民主黨的胡志偉議員及其他議員剛才都有提及很多關於工商、經濟及科技範疇的批評，我在這一節想針對剛才討論較少的題目發言，就是經濟、工商範疇的消費保障政策、措施及法例的不足。
Mr WU Chi - wai from the Democratic Party and other Members have directed strong criticisms about commerce and industry economic development and technology just now so I intend to focus on a less - discussed topic in this session that is the policies measures and inadequate legislation regarding consumer protection under the subject of economic development commerce and industry
主席，自從《商品說明條例》立法後，政府近年在保障消費者權益方面的法規，表面上是有點改進。
President after the Trade Descriptions Ordinance came into effect on the surface the Government has made certain improvements in the laws and regulations concerning the protection of consumers rights and interests in recent years
不過，面對日新月異的科技發展及多元化的經濟及消費模式，現時的法例仍然不足夠，存在很多漏洞，改善速度明顯趕不上形勢，而不幸地，回應措施亦是杯水車薪。
However our existing legislation is still inadequate in dealing with the rapid advance in technology and the diversified economic and consumption patterns . Obviously the pace of legislative improvement cannot catch up with the development and the laws are full of loopholes . Unfortunately the Governments responses are far from adequate
以近年盛行的網絡購物為例，過去3年，消費者委員會每年接獲3,300宗至5,600宗有關網上交易的投訴，最高約佔投訴數字接近18%，即接近兩成，這個比例其實很驚人，佔整體消費投訴個案接近兩成，當中主要涉及旅行機票及電子產品的投訴。
Let us look at the example of online shopping which has been popular in recent years . The Consumer Council received 3 300 to 5 600 complaints about online transactions over each of the past three years representing nearly 18 % of overall complaints at most that is around one fifth of the total number . Such a percentage is alarming indeed as it accounts for almost 20 % of all the complaints
去年亦有很多大型網購平台、健身中心倒閉。
Most of these cases involved air tickets and electronic products . Many large scale online shopping platforms and gym and fitness centres closed down last year
更不幸的是，連外國的航空公司都停航。
Even a foreign airline ceased operation
最終只可以走上一條看似正確的路，就是以破產債權人的身份索償。
In the end they can only opt for a seemingly right direction to lodge claims as creditors in bankruptcy cases
然而，大家都知道作為一個款額這麼少的債權人，等於甚麼都得不到。
However everyone understands that creditors involving such tiny amounts can almost claim nothing back
除了上述例子外，我們亦看到很多無良商戶有一種"上有對策、下有政策"的態度。
Apart from the example above some unscrupulous merchants have adopted certain practices to circumvent government regulation
又以網購為例，去年有一兩間大型網購公司結業，我曾協助其中一間。
Next we take online shopping as an example . A few major online shopping companies went out of business last year . I provided assistance to one of them
我當時建議，為何政府不可以仿效"旅遊業賠償基金"，成立"消費者保障基金"，甚至可以針對網購而成立一些基金呢？
At that time I suggested the Government to establish a consumers protection fund as in the case of the Travel Industry Compensation Fund . It can even set up a fund specifically for online shopping