Borrison/hk-legicost huggingface dataset:
換言之，我可以作出一個較大膽的結論，也就是中介公司其實是幫助了一些無力償債的警務人員維持其警務執勤的職務或生計。
In other words I can draw a quite audacious conclusion and that is the intermediaries are in fact helping some police officers with unmanageable debts to continuously discharge their policing duties or make a living
換言之，在對中介公司執法方面，為何往往難以按照現時的《放債人條例》來執法呢？
In other words with regard to law enforcement why is it always difficult to take enforcement actions against intermediaries under the existing Money Lenders Ordinance?
當中會否與無力償債的警務人員或警務處本身的腐敗，而當中更可能在通報上或與相對非法的勾當有關呢？
Is there something to do with the police officers with manageable debts or the depravity of HKPF and worse still issues in respect of notification or other comparatively illicit practices?
這可歸咎於整個政府走向腐敗、走向喜歡"走法律罅"及採用"擦邊球"的方法來維持社會秩序。
This can be attributed to the entire society moving towards depravity and becoming more inclined to exploit loopholes in law and play edge balls as ways to maintain law and order in society
所以，我想指出的是，就今天整項的討論來說，並非如大家想象般可透過立法、修例便解決中介公司帶來的問題，因為修例只是一種事後補救的工夫。
Therefore I wish to point out that insofar as this entire discussion is concerned unlike what Members have expected the problems brought about by intermediaries cannot be resolved by way of legislation because the introduction of legislative amendments is only a measure adopted to remedy the aftermath
不少同事也提出很多活生生的故事，說明"吸血鬼"的獠牙如何猙獰，說明被"吸血"的苦主多麼淒清。
Many Honourable colleagues have recounted many vivid stories about how ferocious the vampires were when they bared their fangs and they gave an account of the grave miseries of the victims
這項研究是2016年12月由明愛向晴軒債務及理財輔導服務中心發表的。
The findings of this study were published by the debt counselling and financial capability service of the Caritas Family Crisis Support Centre in December 2016
研究指出近3個月接獲64宗個案，近四成人40歲以下，超過七成半的人月入少於兩萬元。
The findings showed that in the previous three months 64 cases were received; close to 40 % of the respondents were aged under 40 and over 75 % made a monthly income of less than 20,000
由於他們在處理財務情況時感到很大壓力，於是很容易受到中介公司的誤導瞞騙。
They were under great pressure in managing their finance and therefore they became vulnerable to the misleading and deceptive practices of the intermediaries
中介公司的名字這麼好聽，究竟何謂"中介"呢？
Intermediaries by their name sound pleasing to the ear and what do intermediaries mean?
原來這些公司是以減債為名，誘使他們簽約，實際上是替他們申請破產，甚至以虛假陳述，偽造文件，為"債仔"提早領取強積金作為服務費。
It is found that these companies under the pretext of debt reduction lured people into signing an agreement but in fact they filed bankruptcy on the borrowers behalf and even withdrew the Mandatory Provident Fund MPF benefits early for the borrowers as their service charges by making false statements and forged documents
如果只說這是他們的個人選擇，所以要自己負責，甚至是犧牲生命、賠上生命也是他們的責任，我認為這種說法未免把問題過分個人化，而看不到結構性的因素。
If we only say that this is their own choice and so they must bear the consequences and they still have themselves to blame even if they have to sacrifice or risk their lives I think such a view may have put undue emphasis on the personal factors causing the problem to the neglect of the structural factors
中介公司便是這些結構性因素下的"吸血鬼"，所以我贊成政府加強規管放債人和財務中介公司。
Intermediaries are the vampires born out of the structural factors . I therefore support the Government stepping up regulation of money lenders and financial intermediaries
不過，我想提出的是，就中介公司作出定義，其實也有一定困難，因為它不會自稱為中介公司，它可能會利用不同名目、理由和包裝，然後告訴你它可以幫忙，但結果卻是做中介的工作，鼓勵你破產、幫助你申請破產，甚至幫忙偽造文件，然後提取你的強積金作為它的手續費。
Having said that I wish to point out that actually there are certain difficulties in drawing a definition for intermediaries . It is because they will not claim to be intermediaries for they may make use of various names pretexts and disguises to tell you that they can give you a hand but in essence they are engaged in intermediary activities encouraging you to go broke and helping you file bankruptcy and even engaging in forgery in an attempt to withdraw your MPF benefits as their service charges
對於定義的問題，我認為也不難解決。
On the problem of definition I think it is not difficult to find a solution
我懇請官員和香港政府作出考慮，在這個議題上，民主派和建制派的立場其實是一致的，所以我懇請官員就這問題多下工夫。
I implore officials and the Hong Kong Government to take this into consideration . On this issue the pro - democracy camp and the pro - establishment camp actually hold the same position . Therefore I implore officials to put in more efforts to address the problem
代理主席，我原本打算在開始時先向主席說聲"不好意思"，因為剛才我將這幅大型照片放在椅子上，主席可能認為我不夠莊重，破壞議會的形象，所以叫我把它收起來。
Deputy President I intended to say sorry to the President at the beginning as I placed this large picture on the chair earlier on . The President might think that I did not quite observe decorum which would in turn tarnish the image of the Council so he asked me to put it aside
這幅大型照片其實是我向藝術家借回來的，他們剛完成了一個名為"勞力是"的視覺藝術展。
This large picture is actually borrowed by me from some artists . They have just finished an art exhibition called Poverty . Full - time
"勞力是"並非名牌手錶，而是指"勞力是甚麼"的"勞力是"。
Its name 勞力是 does not refer to a brand name watch but the question what labour is
它是由樂施會與失焦工作室合辦的一個關於"窮得只剩份工"的視覺藝術展，於2017年1月10日至27日展出，展期現已完結。
It is an art exhibition on in - work poverty jointly held by Oxfam Hong Kong and Outfocus Group Workshop from 10 to 27 January 2017 which has now ended
我認為很多議員同事應該很忙，未必看過這個展覽，所以我特地向他們借來兩張照片，放在會議廳作"人肉展覽板"。
As I think a number of Honourable colleagues may be too busy to attend this exhibition I specially borrowed two pictures from them as human display boards here in the Chamber . Poverty
"勞力是"講述基層勞工的辛酸和背後的不公平制度，例如外判工、清潔工、合約工、長散工、速遞、保安。
Full - time demonstrates the miseries of grass - roots workers and the unfair system behind them such as outsourced workers cleaning workers contract staff temporary workers on a long - term basis couriers and security guards
只要站在回收店門外15分鐘，經常也會看到十名八名長者或婦女推着一車車的紙皮前來回收。
As long as we stand at the entrance to a recycling shop for 15 minutes we will often see 8 or 10 elderly people or women pushing carts of carton paper for recovery
欠缺全民退休保障，別說儲錢積穀防飢，就連每個月的基本生活也支持不了。
In the absence of universal retirement protection they cannot even manage to make ends meet month after month still less save for the rainy days
代理主席，這幅照片展示的就是一名即使努力工作，但仍生活得很艱難的外判清潔工。
Deputy President this picture depicts an outsourced cleaning worker whose toil does not make life easier . In the exhibition Poverty
這就是外判合約，不知道大家知否何謂"外判合約"？
This is an outsourcing contract . I am not sure whether Members know what an outsourcing contract is
"本公司以合約方式外判清潔工作給予承包人，承接本公司()之清潔工作，工作範圍，每日清潔大廈內之電梯、走廊、大堂、樓梯、公共地方及清理垃圾，以及每月清理一樓平台之垃圾為一至兩次。
The Company hereby engages the Contractor to do cleaning work for the Company by virtue of this outsourcing contract which covers daily cleaning of elevators corridors the lobby staircases and public areas and disposal of refuse and disposal of refuse on the podium of the first floor once or twice monthly
有關清潔工作之責任保險、清潔工人之勞工保險、強積金、假期、醫療等等，自行處理，與本公司()無關，責任自負。
The liability insurance of such cleaning work the labour insurance Mandatory Provident Fund leave medical benefits etc . of cleaning workers shall be arranged at the Contractors discretion . The Company shall not be held responsible and the responsibility is vested with the Contractor
如雙方要提前解約，最少要15天前通知，如不足15天通知，要作出賠償。
Where both parties agree to early termination of the contract a notice shall be served at least 15 days prior to the date of termination or else compensation shall be paid
如本公司()對承包人，不滿意或錯誤可即時終止合約，無須作出賠償。
The Company shall terminate the contract immediately in case of dissatisfaction with or mistakes on the part of the Contractor
雙方在此聲明，本公司()與承包人不存在僱主與僱員的關係。
Both Parties hereby declare that the Company and the Contractor are not in an employer - employee relationship
" 局長剛才是否提到香港有標準僱傭合約？
Did the Secretary mention just now that we have the standard employment contract here in Hong Kong?
原來標準僱傭合約主要參考《僱傭條例》，屬於法例最低標準。
In fact the standard employment contract mainly makes reference to the Employment Ordinance which meets the minimum statutory requirements
政府的外判工作由公帑支付費用，沒理由僅僅合法而不合理。
The costs for work outsourced by the Government are financed by public funding . There is no reason for it to be lawful but improper
外判的真名叫作"在職貧窮"或"專門製造在職貧窮"。
The real name of outsourcing is in - work poverty or specialist in creating in - work poverty
現時政府的外判工作在招標、監察、懲處方面均有不足，以致出現很多不同的問題。
The existing inadequacies in tender invitation supervision and penalties of the outsourced work of the Government have given rise to many different problems
我相信很多議員同事均會發現這些問題主要關乎工資水平低或外判扣分制度有名無實的情況。
I believe a number of Honourable colleagues will find that such problems mainly concern the low wage level or the demerit point system for outsourcing which is there in name only
剛才亦有同事提到政府直接聘用的員工屬二級工人，月薪12,700元，而在外判後，相同工種的工資下跌至8,060元，蒸發了57.6%，這就是外判工的實況。
An Honourable colleague also mentioned earlier that staff members directly employed by the Government are Workman II with a monthly salary of 12,700 while after outsourcing the wages for the same type of job have dropped to 8,060 down by 57.6 % . This is the real picture of outsourced workers
我很想邀請官員與我們一同探訪外判工，甚至當一天清潔工人，他們便會知道實情。
I am eager to invite public officers to pay a visit to the outsourced workers together with us or even work as a cleaning worker for a day and they will then get to know the true picture
然後當他們回到這個窗明几淨的議會內與我們重新討論或辯論時，我相信效果會截然不同，所提出的建議或許會"貼地"得多。
After that when they come back to this nice and clean Chamber for discussions and debates again I believe the results will be vastly different and the recommendations made may also be much more down - to - earth
代理主席，你知否在立法會大樓內的外判清潔工人的待遇如何？
Deputy President do you know the treatment for those outsourced cleaning workers of the Legislative Council Complex?
我不知道立法會會否直接聘用清潔工人，但或許我們也應停止外判或做點事令清潔工人有多點尊嚴。
I do not know whether cleaning workers will be directly employed by the Legislative Council but maybe we should also stop the outsourcing practice or do something to give cleaning workers more dignity
我支持盡快全面檢討政府的外判制度及有關修正案。
I support conducting a comprehensive review of the outsourcing system of the Government expeditiously and the relevant amendments
代理主席，外判服務在公私營機構中非常普遍，主要是為了減省成本，利用有限的資源，以獲得更專業及快速的服務。
Deputy President the outsourcing of services is very common in public and private organizations . The main purpose is to reduce costs and make use of limited resources to obtain more professional and faster services
外判制度已貫穿了香港各行各業。
The outsourcing system has penetrated various industries and sectors in Hong Kong
政府希望透過外判，讓政府部門與外間的私營服務供應商簽訂服務合約，從而達致"多快醒，創造好環境"的目的。
The Government wishes to achieve the objective of building a better environment with greater concern faster response and smarter services through outsourcing allowing government departments to enter into service contracts with private service providers outside the Government
實際上，政府認為外判模式能配合其"大市場，小政府"的政策，利用自由市場的運作模式提供更佳服務，提高成本效益和效率，達致小政府、高效率的經濟和財政目標。
In fact the Government considers that the outsourcing approach can complement its policy of big market small government using the mode of operation of free market to provide better services and raise cost - effectiveness and efficiency with a view to attaining the economic and financial objectives of a small government with high efficiency
政府更希望透過外判，為私營機構帶來商機和就業機會。
The Government also wishes to bring more business and employment opportunities to private organizations through outsourcing
代理主席，我們肯定外判制度的存在價值，但我今天必須指出，外判制度在過去出現了各種各樣的問題，為人詬病。
Deputy President we recognize the value of existence of the outsourcing system but today I must point out that in the past various kinds of problems emerged in the outsourcing system causing it to become the subject of criticisms
我們需要及時作出檢討，堵塞外判制度的漏洞，完善外判制度。
We need to conduct a timely review to plug the loopholes of the outsourcing system to make it perfect
我們認為，外判制度最大的問題是政府未能有效監管私人機構提供的服務，無法保證服務質量。
In our view the biggest problem of the outsourcing system is the failure of the Government to effectively monitor the services provided by private organizations and its inability to assure the quality of service
我想以房屋署為例，點出各個問題。
I would like to cite the Housing Department HD as an example to highlight various problems
房署在2000年已把大部分維修工作外判，維修管理問題因外判惹來不少批評，而問題一直無法解決，更被傳媒多次揭發。
In 2000 HD already outsourced most of its maintenance work . The problems of maintenance management have attracted a lot of criticisms due to outsourcing . All along the problems have remained unsolved and have been repeatedly exposed by the media
我舉一個例子，有公屋居民投訴室內喉管滲漏及天花板剝落的問題長達3年多，最後問題如何解決呢？
Let me cite an example . A public housing resident had complained about leakage of water from the pipes and spalling of the ceiling in his flat for some three years long . How was the problem resolved in the end?
最後要透過申訴專員公署的協助才能見到曙光。
In the end it was only through the assistance of the Office of the Ombudsman that he could see a glimpse of hope
就是事實勝於雄辯。
That is facts speak louder than words
造成服務質素差劣的主要原因，我認為是"價低者得"的招標機制。
The main cause of the poor service quality in my opinion is the tendering mechanism under which the lowest bid wins
僱員工資過低，外判合約利潤低，承辦商自然會將貨就價，引致前線人手不足，服務質素下降。
When employees wages are excessively low and profits of outsourced contracts are low it is only natural for the contractors to provide inferior services at lower costs thus leading to a shortage of frontline workers and decline in the quality of service
因此，民建聯多次要求政府摒棄"價低者得"的招標方式，改為引入以質素為本的招標機制。
For this reason the Democratic Alliance for the Betterment and Progress of Hong Kong has repeatedly requested the Government to abandon the tendering approach of lowest bid wins and instead introduce a quality - oriented tendering mechanism
政府應該調整質素和價格所佔的得分比例，確保質素評分所佔比例不能少於50%。
The Government should adjust the weightings of quality and price in the scores and ensure that the weighting of quality cannot be less than 50 %
其實，外判服務質素差劣，政府部門監管不力，我認為政府責無旁貸。
As a matter of fact I consider that the Government has an unshirkable responsibility for the poor quality of outsourced services and the ineffective monitoring efforts of the government departments
關於屋邨清潔、管理和維修的問題，在我們日常處理有關工作時，我們經常強調房署有權力、有責任監管屋邨的管理公司。
Regarding the problems of the cleaning management and maintenance services in the housing estates in dealing with the relevant work every day we often emphasize that HD has both the power and the duty to monitor the management companies in the housing estates
可是，事實擺在眼前，很多事情始終隔了一層，管理公司不行動，房署也沒有辦法。
However the fact speaks for itself . After all we have to go through one more layer in dealing with a lot of matters . If the management companies do not take any action HD can do nothing about it
我想指出，政府必須改變心態，外判服務不等於外判責任；我想重申，外判服務不等於外判責任。
I would like to point out that the Government must change its mindset . Outsourcing the services does not mean outsourcing the responsibility . I repeat outsourcing the services does not mean outsourcing the responsibility
管理公司做得不好，房署應該徹底跟進，不可以依賴外判公司表現的評分機制來處理日常的監管問題。
If a management company does not perform well HD should follow it up thoroughly . It cannot rely on the performance assessment mechanism for outsourced service contractors to deal with the daily regulation issues
如果到今天政府仍然不認真面對問題，只袖手旁觀，不作處理，最後漏洞無法堵塞，卸責的問題只會一直延續，監管工作亦不到位。
If the Government still does not seriously face the problem today and just looks on with folded arms without doing anything eventually there will be no way to plug the loopholes . The problem of evasion of responsibilities will persist and the monitoring efforts will be unable to achieve any objective
另一個大家很關心的問題，就是基層外判工人的權益得不到保障。
Another great concern we have is the lack of protection for the rights and interests of outsourced workers at the grass - roots level
香港大學社會工作及社會行政學系葉兆輝教授曾經指出，現時政府非外判二級工人的月薪是12,000元，但同一工種的外判工的月薪則只有約7,000元至8,000元，工資水平相差三成至四成，可見外判制度令基層工人受到多大壓榨。
As pointed out by Prof Paul YIP of the Department of Social Work and Social Administration of the University of Hong Kong the present monthly salary for the non - outsourced post of Workman II in the Government is 12,000 but that of an outsourced worker doing the same job is only 7,000 to 8,000 . The difference in wages is 30 % to 40 % thus showing the immense suppression suffered by grass - roots workers under the outsourcing system
政府自2016年7月1日起實施新的招標評審準則，若合約涉及僱用大量非技術工人，便必須考慮相關工人的薪酬水平；換言之，薪酬越高，評分亦會越高。
Since 1 July 2016 the Government has implemented the new tender assessment criteria . If a contract involves hiring a large number of non - skilled workers consideration must be given to the wage level of the relevant workers . In other words the higher the wages the higher the scores
可是，有清潔商會告訴我，這個制度只流於空談，因為薪酬部分的評分在整份標書中所佔的評分比例相當低；相反，投標價的評分則佔七成。
However a cleaning service association has told me that this system has been reduced to empty talk because the weighting of wages is rather low in the scores for the whole tender . The bidding price on the contrary accounts for 70 % in the assessment
如果外判商給予員工較高薪酬，必然會令投標價上升，因而失分。
If an outsourced service contractor offers higher wages to its staff the bidding price will definitely rise and thus lose scores
因此，在價低者得的原則下，根本無法令投標者改變。
Hence under the principle of lowest bid wins the tenderers will not change at all
所以，我們促請政府調整評分比例，因為現行的新準則有等於無。
For this reason we urge the Government to adjust the weightings in the assessment because the existing new criteria are merely nominal
工聯會最近在記者招待會上提出了一宗案例，有無良僱主要求員工簽署自願離職文件，工會介入協助後，該名僱主才願意支付遣散費。
Recently the Hong Kong Federation of Trade Unions has revealed a case in the press conference . An unscrupulous employer requested his employees to sign a voluntary resignation document . It was only after the trade union had intervened that the employer agreed to make the severance payments
代理主席，這些問題一直無法解決，現時政府又做了些甚麼，可以顯示它會認真面對外判衍生的後果呢？
Deputy President all along these problems have remained unsolved . Now what has the Government done that indicates that it will seriously address the consequences of outsourcing?
代理主席，我希望政府真的會檢討現行制度，否則外判工人只會不斷被外判商欺壓。
Deputy President I hope the Government will really review the existing system . Otherwise outsourced workers will only be subjected to continuous suppression by outsourced service contractors
我們力促政府考慮增加條款，凡有類似欺騙成分，便應嚴懲。
We strongly urge the Government to consider imposing additional terms . Severe punishment should be imposed whenever there is any element similar to deception
代理主席，說到底，我們希望政府可以及時進行檢討，完善外判制度，讓市民獲得優質的公共服務，使外判工人的權益獲得保障。
Deputy President after all we hope that the Government can conduct a timely review to perfect the outsourcing system so that members of the public will receive public services of quality and the rights and interests of outsourced workers will be protected
我謹此陳辭，希望政府可以接納我們的意見。
With these remarks I hope the Government will take on board our views
代理主席，近年有關財務公司的新聞時有出現，更發生涉及放債人與財務中介公司的詐騙行為，手法層出不窮，包括設立假律師樓收取大額保證金等，從中收取高昂手續費，令不少市民墮入被騙陷阱，但警方在調查時往往遇到舉證困難。
Deputy President the recent years have seen news reports relating to finance companies from time to time and there have even been cases of fraud involving money lenders and financial intermediaries . The practices adopted were wide - ranging such as setting up a bogus law firm to make borrowers pay deposits in large amounts and charging exorbitant administrative fees in the process causing a large number of people to fall prey to these scams
政府後來實施一系列有關放債人的額外牌照條件規定，以期確保放債中介人不可向借款人收取任何費用，但據了解，成效仍未算理想。
However the Police have often encountered difficulties in adducing evidence during their investigations and subsequently the Government implemented a series of additional licensing conditions for money lenders to ensure that intermediaries engaging in lending activities do not charge any fee on the borrowers . But as far as we understand it the results are still far from satisfactory
其實，根據政府資料顯示，在1,000多間放債人公司中，有與中介合作的只有一成，當中涉及或涉嫌有詐騙行為的放債人公司究竟有多少，當局未有進一步透露。
In fact according to the information of the Government only 10 % of the 1 000 - odd money lenders have cooperated with intermediaries . The Government has not further disclosed information on the number of money lenders involved in or alleged to have adopted fraud practices
這些不良放債人公司既然與中介公司從事不法勾當，容許在自己家中"養老鼠"，當然有其原因。
These unscrupulous money lenders certainly have their reasons to engage in unlawful practices in collusion with the intermediaries which is like allowing the keeping of rats in their own houses
由於近年放債人公司增長迅速，我相信在激烈競爭下，部分小型放債人公司為了爭生意，便衍生了對中介人協助接生意的需要，這小部分不良公司從事不法的詐騙活動，向本身已陷財困的"債仔"再多踩一腳，吸財困"債仔"的血。
Given the proliferation of money lenders in recent years I think driven by fierce competition some small - scale money lenders may have to compete for business thus giving rise to the need to engage intermediaries to help solicit business for them . A small number of unscrupulous companies have therefore engaged in fraud activities giving one more kick to debtors who are already caught in financial problems and sucking the blood of debtors in distress
因此，當局必須嚴肅處理有關問題。
In this connection the authorities must seriously address these problems
有鑒於近年放債人及財務中介公司出現的問題，以及中介公司現時不受《放債人條例》監管，民主建港協進聯盟年前已建議政府全面檢討《放債人條例》，以及要求業界將銷售過程錄音，以杜絕財務放債人的中介公司收取高昂費用的不良經營手法，並將現有的刑事條例涵蓋非刑事性的追債手法，以加強保障債務人。
In view of the problems with money lenders and financial intermediaries in recent years and the fact that intermediaries are currently not subject to the Money Lenders Ordinance the Democratic Alliance for the Betterment and Progress of Hong Kong DAB proposed a year ago that the Government should conduct a comprehensive review of the Money Lenders Ordinance and require the industry to keep audio records of the sales process in order to stop intermediaries of money lenders from adopting the unscrupulous practice of charging exorbitant fees on borrowers . We also proposed that non - criminal debt recovery practices be brought under the ambit of the existing criminal laws to afford greater protection to debtors
此外，我亦認為當局應該積極考慮業界的建議。
Besides I think the authorities should actively give consideration to the proposals made by the industry
有業界人士提出，由於市場對財務中介有一定需求，政府應該向財務中介直接發牌進行監管，或考慮設立優質財務中介公司名冊計劃。
Some members of the industry have suggested that as there is a certain demand for financial intermediaries in the market the Government should introduce direct licensing of financial intermediaries to exercise regulation or consider introducing a scheme that puts in place a register of quality financial intermediaries
同時，在"轉介合約"方面亦可作出改善，把目前借款人和中介公司簽署的"轉介合約"格式化，銀行和財務公司只可以接受合規格的"轉介合約"格式，並將有關格式化的合約和名冊載列於政府網頁，供公眾下載，讓借款人識別合規的中介公司，以及對"轉介合約"的細則有基本認識及參考，免墮陷阱。
Meanwhile improvements can be made to the referral agreement by standardizing the format of the agreement currently signed between a borrower and an intermediary and requiring banks and financial institutions to accept only referral agreements of the standard format . Meanwhile the standard format of the agreement and the register should be uploaded onto the government website for downloading by the public . This will enable borrowers to identify compliant intermediaries and obtain for reference basic information on the detailed provisions of the referral agreement so as not to fall into any trap
另外，當局亦可考慮成立放債人及財務中介投訴小組，由專責小組負責跟進投訴個案，改善現時警方舉證困難的問題。
Moreover the authorities can consider setting up a group for handling complaints against money lenders and financial intermediaries and making this dedicated group responsible for following up the complaints to mitigate the problem of the Police facing difficulties in adducing evidence
代理主席，香港金融管理局早前實施多輪"辣招"，進一步收緊按揭措施後，這些"財仔"公司窺準時機為客戶做了不少高額住宅按揭借貸，令市場一度憂慮存在風險隱憂。
Deputy President after the Hong Kong Monetary Authority HKMA implemented some time ago a number of rounds of curb measures to further tighten the mortgage lending criteria these intermediaries have seized the opportunity to grant to their clients many residential mortgage loans in large amounts and this has at one time aroused concern in the market about the hidden risks
其後金管局更因此作出曲線監管措施，解決有關問題。
Subsequently HKMA even had to adopt measures to impose regulation in an oblique way to address the problem