Borrison/hk-legicost huggingface dataset:
主席，我發言支持通過《2021年強制性公積金計劃條例草案》。
President I am speaking in support of the passage of the Mandatory Provident Fund Schemes Amendment Bill 2021 the Bill
今次修訂主要是為強制性公積金引入一個名為"積金易"的電子平台，希望透過這個平台將不同受託人的行政平台標準化、精簡化和自動化，盡可能減少用紙及降低行政開支，從而達至降低強積金開支的目標。
This amendment exercise mainly seeks to introduce an electronic platform known as the eMPF Platform for the Mandatory Provident Fund MPF . It is hoped that the administrative platforms of various trustees can be standardized streamlined and automated through this platform with a view to reducing paper usage and lowering the administrative expenses as far as possible thereby achieving the goal of reducing MPF expenses
不過，對於政府未有藉今次修例的機會，進一步下調預設投資策略成分基金的收費，我感到有點遺憾，這亦未能回應普羅"打工仔"的訴求。
Yet I find it somewhat regrettable that the Government has not taken the opportunity of this legislative amendment exercise to further reduce the fees of the constituent funds under the Default Investment Strategy DIS . It has also failed to address the aspirations of wage earners at large
預設投資策略成分基金即是大家俗稱的"懶人基金"，為一些不會主動調整投資策略的"打工仔"提供一個選擇，希望透過限制收費上限，從而讓"打工仔"得益。
Constituent funds under DIS are commonly known as the lazybones fund which provide an option for wage earners who will not proactively adjust their investment strategies hoping to benefit them by capping the fees
"懶人基金"於2017年4月推出，開支比率以0.95%為上限，當中管理費上限是0.75%。
The lazybones fund was introduced in April 2017 with the expense ratio capped at 0.95 % among which the management fee cap is 0.75 %
根據政府的數字顯示，截至今年3月底為止，在1,033萬個強積金帳戶之中，有246萬個帳戶已經選擇預設投資策略成分基金，所佔比例為23.8%，可見這個計劃亦頗受"打工仔"歡迎。
According to the figures provided by the Government as at the end of March this year 2.46 million out of the 10.33 million MPF accounts have chosen to invest in constituent funds under DIS representing a ratio of 23.8 % . This shows that this scheme is quite popular among wage earners
政府早前曾透露風聲，希望推出年金計劃，讓一些可以領回強積金的退休"打工仔"，將強積金轉為年金，讓他們可以繼續每個月有零用錢，退休後仍然"有糧出"。
Earlier on the Government has disclosed its intention to introduce an annuity scheme which allows some retired wage earners who are eligible to withdraw their MPF to convert their MPF into an annuity . This will enable them to continue to receive pocket money every month and keep on having income after retirement
政府這個意願，我覺得是可行的，但要市民接受的話，我們要有一個先決條件，就是要"打工仔"在退休後的強積金本錢足夠，令他們的年金收入足以應付他們大部分日子的經常開支，這個條件牽涉到現時強積金的回報率要夠高，以及其管理費要再調低，才有機會可以達成希望。
I think the Governments idea is feasible . However if we want the public to accept it there must be a prerequisite and that is the MPF benefits of the wage earners upon their retirement must be sufficient such that their annuity income will be sufficient to cover their recurrent expenditure most of the time . This condition requires a sufficiently high prevailing rate of return for MPF and further cuts in the management fee otherwise the hope can hardly be realized
事實上，當年政府曾經承諾會在預設投資策略成分基金運作3年後檢討收費水平，但今年已經是2021年，"積金易"平台已準備推出，政府卻提出要到2025年，當所有計劃也轉移到"積金易"平台後，才會進一步檢討"懶人基金"的收費水平。
In fact the Government has undertaken previously to review the fee levels three years after operation of the constituent funds under DIS ie . in 2020 . It is already 2021 now and the eMPF Platform is ready to be launched but the Government has proposed that a further review of the fee levels of the lazybones fund will only be conducted in 2025 when all schemes have migrated to the eMPF Platform
另外，我想講一講政府撥款2億1,000萬元鼓勵受託人盡早加入"積金易"平台。
Besides I would like to talk about the provision of 210 million government funding to incentivize trustees early boarding to the eMPF Platform
法案委員會上有委員質疑這個做法，並指出部分較大型的受託人已經賺了20年，不應再獲得政府資助。
Some members of the Bills Committee queried about this and pointed out that some trustees of a larger scale had been earning profits for 20 years so they should not receive government subsidies anymore
政府曾經解釋提供資助的原因，而業界代表陳健波議員亦在法案委員會上解釋了業界支持政府撥款的看法。
The Government has explained the reasons for providing subsidies whereas the industry representative Mr CHAN Kin - por has also explained at the Bills Committee the industrys position in supporting the government funding
我也希望藉此機會以證券商的身份向局長反映，我們受監管機構嚴密監管，往往要因應新法例或在新監管要求下，更新自己的證券系統，很多時一些經營困難的券商都向我反映，業界既然要配合政府和監管要求，政府是否應該補貼一些額外的監管開支呢？
I would also like to take this opportunity to reflect to the Secretary in my capacity as a security dealer that we being subject to the stringent supervision of the regulators often have to update our securities system in response to new legislation or new regulatory requirements . Very often some brokerage firms facing operational difficulties have reflected to me that since the industry has to comply with government and regulatory requirements should the Government provide subsidies to meet some additional regulatory expenses then?
我相信讓市民大眾更容易獲取這些數據，有利於他們更主動管理其強積金帳戶。
I believe that by making these data more easily accessible to the general public it will be conducive for them to manage their MPF accounts more proactively
不過，我亦希望政府日後在"積金易"平台推出後，提供一些誘因，鼓勵市民整合自己不同的強積金帳戶，以降低其帳戶的行政開支，這樣才能達致政府建立這個新平台的原有目標。
Notwithstanding this I also hope that the Government will provide some incentives in the future to encourage members of the public to consolidate different personal MPF accounts after the launch of the eMPF Platform for the sake of reducing the administrative expenses of their accounts . Only through this can we achieve the original objective for the Government to set up this new platform
主席，我謹此陳辭，支持通過《條例草案》及修正案。
With these remarks President I support the passage of the Bill and the amendments
委員普遍歡迎推出"積金易"平台的建議，以提高強積金制度的效率。
Members in general welcome the proposal to launch the eMPF Platform to enhance the efficiency of the MPF System
有委員關注到，在推行"積金易"平台後，就任何違規行為判斷責任誰屬時，強制性公積金計劃管理局如何在有關系統營運者與受託人之間釐定責任的相稱性。
Some members have expressed concern about how the Mandatory Provident Fund Schemes Authority MPFA will determine the proportionality of the liabilities of any non - compliance acts to be allocated between the system operator concerned and the trustees after implementation of the eMPF Platform
政府當局表示，根據擬議的"安全港"條文，如受託人違反《強制性公積金計劃條例》或《強制性公積金計劃規例》法定規定的唯一原因，是因有關系統營運者執行其職責時過失所致，受託人可獲法定免責辯護。
The Administration has advised that under the proposed safe harbour provisions trustees will be entitled to a statutory defence if their non - compliance with the statutory requirements under MPFSO or the Mandatory Provident Fund Schemes General Regulation is solely due to the failure of the system operator concerned to perform its duties
積金局會確保每宗涉嫌違規的個案均會經過全面及公正的調查和評審。
MPFA will ensure that each and every case of suspected non - compliance is investigated and evaluated thoroughly and impartially
就推行"積金易"平台的時間表，委員察悉，當局會與積金局及系統營運者制訂準則，釐定受託人遷移的先後次序，當中會考慮到受託人在遷移及運作風險等方面的準備情況。
Regarding the implementation timetable of the eMPF Platform members have noted that the Administration will work out with MPFA and the system operator the criteria for determining the order of migration of trustees taking account of trustees readiness for migration and operational risks etc
按照目前的開發計劃，當局預計受託人會由2023年起分批遷移至"積金易"平台，預期最快於2025年左右完成整個遷移過程。
Based on the current development plan the Administration envisages that trustees will start phased migration to the eMPF Platform from2023 and full onboarding is expected to complete in around 2025 at the earliest
有委員要求政府當局說明如何確保"積金易"平台在推行5年間數碼使用率可達90%的目標，使計劃成員所支付的行政費得以降低30%。
Some members have requested the Administration to expound on how to ensure that the target of a 90 % digital take - up rate can be achieved in five years after implementation of the eMPF Platform so that the administration fee payable by scheme members can be reduced by 30 %
如承辦商未能令使用率達到預期目標，必須承擔合約補償及後果。
Failure of the contractor to achieve the expected target take - up rate will be subject to contractual remedies and consequences
有委員詢問，在推行"積金易"平台後，強積金計劃的其他費用會否有下調空間。
Some members have enquired whether there will be room for reduction of other fees of MPF schemes after implementation of the eMPF Platform
政府當局表示，"積金易"平台把計劃管理工作標準化、精簡化和自動化，以降低強積金制度的行政成本。
The Administration has advised that with standardization streamlining and automation of the scheme administration work the eMPF Platform will bring down the administration costs of the MPF System
與計劃行政費相比，投資管理費在各個投資基金或產品之間有較大差異，難以估計是否有下調空間。
Compared to the scheme administration fee the investment management fee varies more widely among investment funds or products making it difficult to estimate if there will be room for reduction
政府當局亦指出，在推行"積金易"平台後，新的受託人無需再開發本身的電子管理系統，這將會消除進入強積金市場的障礙，為強積金市場帶來更多競爭。
The Administration has also pointed out that following the introduction of the eMPF Platform new trustees will no longer need to develop their own electronic administration system . This will reduce barriers to the MPF market entry and introduce more competition to the MPF market
部分委員亦關注到，政府當局計劃把預設投資策略下有關成分基金的管理費法定上限的檢討，押後至"積金易"平台全面運作後才進行。
Some members have also expressed concern about the Administrations plan to defer the review of the statutory management fee cap on the constituent funds under the Default Investment Strategy DIS until full operation of the eMPF Platform
委員指出，鑒於預設投資策略下成分基金的淨資產值按年增長強勁，應該可達到成本大幅減省，因此理應及早檢討法定管理費的實際上限。
Members have pointed out that given the strong annual growth of the net asset values of the constituent funds under DIS it should be possible to achieve tremendous cost savings and thus an early review of the actual statutory management fee cap is warranted
此外，待所有強積金受託人及其計劃於2025年左右遷移至"積金易"平台後，便會有詳盡的資料，顯示因節省計劃行政成本而令每個預設投資策略下的成分基金管理費減少的幅度，屆時政府就調整法定管理費上限進行檢討更為合適。
In addition after all MPF trustees and their schemes have migrated to the eMPF Platform in around 2025 more detailed information on the degree of reduction in the management fee of each constituent fund under DIS due to cost savings in scheme administration will be available . It will then be a more opportune time for the Government to conduct a review on the adjustment to the statutory management fee cap
政府計劃撥款2億1,000萬元鼓勵受託人盡早加入"積金易"平台。
The Government has planned to allocate 210 million to incentivize trustees early onboarding to the eMPF Platform
委員察悉，擬議附表12並未有指明任何這類其他職能。
Members have noted that no such other functions have so far been specified in the proposed Schedule 12
政府當局表示，上述擬議條文旨在給予靈活性，使"積金易"平台可獲賦予或獲指派一些未必屬於計劃管理職能範圍的新職能。
The Administration has advised that the intention of the proposed provisions is to allow for flexibility such that the eMPF Platform may be conferred or assigned with some new functions which may not necessarily fall within the scope of scheme administration functions
日後在擬議附表12指明新職能時，政府當局會按"先訂立後審議"的程序制定附屬法例。
When new functions are to be specified in the proposed Schedule 12 in the future the Administration will enact subsidiary legislation which will be subject to the negative vetting procedure
因應陸頌雄議員的提議，政府當局提出修正案，訂明受託人每年要向計劃成員提供的周年權益報表，須載有最近期基金開支比率，以及年率化回報、累計回報、最近年度基金管理費和其他所有費用及收費的金額和百分比。
In the light of the proposal made by Mr LUK Chung - hung the Administration has proposed an amendment to specify that the annual benefit statements provided by trustees to scheme members every year shall include the latest fund expense ratio as well as the amounts and percentages of the annualized return the cumulative return and the fund management fee and all other fees and charges of the latest year
委員支持有關修正案。
Members are supportive of the amendment in question
委員亦對當局為更清晰反映《條例草案》的政策原意而提出的修正案並無異議。
Members also have no objection to the amendments proposed by the Administration for the purpose of reflecting the policy intent of the Bill more clearly
主席，以下是我對《條例草案》的一些意見。
President the following are some of my views on the Bill
強積金的三大改革方向各有不同，不過，大家只要細心一看，這三大改革的核心目標只有一個，就是要降低強積金的收費、增加強積金的回報。
Despite the different directions of these three major reforms of MPF on a closer look they share the same core objective of reducing MPF fees and increasing MPF returns . Among them the MPF Semi - portability was implemented in the hope of giving employees the right to choose thereby enhancing competition among MPF trustees with a view to lowering MPF fees and improving MPFs return performance . The DIS scheme was set up mainly to introduce a cheaper and stable MPF product which can respond to changes in employees circumstances
毫無疑問，強積金成立以來，一直都因為"收費高、回報低"而為廣大僱員及社會各界所詬病。
Undoubtedly MPF has been criticized by employees at large and various sectors of the community for its high fees and low returns since its establishment
因此，即使現時強積金的平均收費下跌至1.44%，但強積金的總收費已經高達175億元是每年175億元對全港數百萬名僱員及僱主而言都是巨大的負擔，而受託人的收益是相當可觀的。
Therefore despite a cut in the average fee of MPF to 1.44 % nowadays its total fees already amount to as much as 17.5 billion―17.5 billion per year―which are a huge burden on millions of employees and employers in Hong Kong while trustees make quite handsome profits
目前，強積金的平均收費中以行政費的比率最高，為0.58%，因此，今次的"積金易"平台旨在令行政費大幅下降。
Currently the administration fee at 0.58 % accounts for the largest proportion of the average fee . For that reason this eMPF Platform is aimed at achieving a substantial reduction in the administration fee
當局表示，"積金易"平台於2025年全面運作後，強積金的行政費會由現時的0.58%下降至0.28%，當局預計在2023年至2032年累計節省的行政成本介乎300億元至400億元，無疑對強積金收費過高的問題對症下藥。
The Administration has advised that after the eMPF Platform becomes fully operational in 2025 the administration fee of MPF will drop from 0.58 % at present to 0.28 % . It is estimated that the cumulative cost savings in administrative costs between 2023 and 2032 will range from 30 billion to 40 billion . No doubt this is the right remedy to the problem of excessively high MPF fees
儘管如此，我強調仍有改善的空間，但這個做法是絕對值得支持的。
Nevertheless I must stress that there is still room for improvement but this approach is definitely worthy of support
當然，這次透過"積金易"平台壓低強積金收費是完善強積金制度的重要一步，但這不應是唯一一步，甚至最後一步。
Of course keeping MPF fees down through the eMPF Platform this time around is an important step towards improving the MPF System but this should not be the one and only step or even the final step
積金局及財經事務及庫務局亦需要進一步改善及優化強積金制度，進一步減低強積金收費及提高強積金回報，從而令全港數百萬名僱員的退休生活能夠更有保障。
MPFA and the Financial Services and the Treasury Bureau also need to further improve and enhance the MPF System in order to further reduce MPF fees and increase MPF returns so that the retirement life of millions of employees in Hong Kong can be better protected
我謹此陳辭，支持《條例草案》及相關的修訂。
With these remarks I support the Bill and the relevant amendments
主席，我發言支持《2021年強制性公積金計劃條例草案》。
President I speak in support of the Mandatory Provident Fund Schemes Amendment Bill 2021 the Bill
透過二讀，我也想討論一下，在強制性公積金經過多次的改善後，還有甚麼我們希望政府可以帶頭改善。
Through the Second Reading of the Bill I would also like to discuss what else we can look to the Government to take the lead to improve after enhancements have been made many times to the Mandatory Provident Fund MPF
主席，今天是改革的年代，很多香港老大難的問題，以往我們認為不可以做到的，其實今天在完善選舉機制之後，立法會是有能力支持一些政府下定大決心、為民生的議案。
President we are in the era of reform today and regarding many long - standing and thorny problems in Hong Kong that we thought we could not tackle in the past actually after the improvement of the electoral system the Legislative Council is capable of supporting motions proposed by the Government with determination for the benefit of the peoples livelihood
我認為強積金的問題要分目標和過程。
I think on the question of MPF we should look at the goal and the process separately
目標方面，我認為真的要研究它是否真的能解決香港300多萬名"打工仔"的退休問題；至於過程，便是我們現在一步一步正在做的過程。
Regarding the goal I think we really have to study whether it can truly address the retirement problem of some three million wage earners in Hong Kong; as for the process it refers to what we are doing step by step now
代理主席，我在大學時修讀的本科也是公共行政管理，我很喜歡其中一個學者的學說，也就是Charles LINDBLOM提到的漸進式改革。
Deputy President I studied public administration in university and I am very fond of the theory of a scholar namely the theory of incrementalism put forward by Charles LINDBLOM
所以，我的基本原則是任何政府提出的政策如果可以達致漸進式的改變，我是會支持的。
So my basic principle is that if any government policy can achieve changes under an incremental approach I will throw weight behind it
我不認 為社會的改革要一步到位，你不能夠一步到位，我就要破壞你，我就拉倒，那麼社會其實是不可能改革的，又或者搞一些大動亂，最後全部人都會受罪。
I do not think that the reform of society should achieve its goal in one step nor do I think that if it cannot achieve the goal in one step I will ruin it and overturn it and if such being the case it is actually impossible to reform society . Or if a massive unrest is stirred up all the people will suffer at the end of the day
所以，這次我形容是漸進式改革的其中一部分。
Therefore I would describe these proposals as part of an incremental or progressive reform
但是，是否止於此呢？
But do we just stop here?
絕對不可以。
Absolutely not
我今天也是作為"打工仔"，應該是從中高層的經驗說說強積金到今天應如何邁向改革的方向。
Today as a wage earner myself or from the experience of someone at the middle to senior level I would like to talk about how MPF should move towards the direction of reform
當然，我認為行政費過高，大家認為積存的金額不足以退休，這些在坊間流傳了很長時間，我想立法會亦已經討論過很多次，所以甚至有議員提出要取消強積金制度。
Of course I think the administration fee is too high and people think that the accumulated benefits are not enough for retirement . There have been these views in the community for a long time and I think the Legislative Council has already discussed them many times . This is why some Members have even suggested the abolition of the MPF system
那麼是否可以一步到位呢？
Then can it achieve the goal in one step?
這個我認為可以進行討論，但過程是怎樣，我認為亦相當重要。
I think this can be discussed but what is the process? . This I think is very important too
每年當我收到強積金的statement時，其實看一看便會放在一旁，直到何時才會認真地看呢？
Every year when I receive my MPF statement actually I will take a look at it and then put it aside . When will I look at it seriously?
一般便是有家人退休不懂得看，不知道自己究竟有多少錢，或者有些人臨近退休前的數年，真的要思考究竟MPF到時候如何計算，這是第一種情況。
Usually it is when my family members are retiring and do not know how to read it and how much money they have . Or some people who will retire in a few years really have to think about how their MPF will be calculated then . This is one situation
第二便是可能我們有時候有些地區辦事處有改變，那些同事要計算強積金的時候，你就會知道整個formula是如何計算。
Another situation is when our district office may sometimes have changes and we need to calculate MPF for those colleagues and that is when you will find out how it is calculated using the formula
其實真的不可能退休，除非這位"打工仔"在過程中懂得儲錢，然後可以"上樓"，否則便是可能交租一年便已經用完。
But these people have worked for more than two decades . Can they retire? . The fact is that it is really impossible for them to retire unless one has saved up money throughout the years and then become a home owner or else their money will probably be used up for paying a years rental
這是要求我提供意見的不少朋友的真實情況。
This is the actual situation of many of my friends who asked for my advice
所以，行政費過高是否唯一的問題？
So is the high administrative fee the only problem?
這不是唯一的問題，但這絕對是要繼續改善的問題，局長。在你們推出了多次......
No it is not the only problem but it is definitely a problem that warrants continuous improvement Secretary
亦有"半自由行"、"懶人基金"等"懶人基金"可能很適合我們這類真的忙得不會去看的人鍾國斌議員說得很對，其實沒有人會看那疊文件，有那麼多chart。
After introducing many there are the semi - portability arrangement lazybones fund etc―lazybones fund may be most suitable for people like us who are really too busy to look at the papers―Mr CHUNG Kwok - pan was right in saying that actually no one would look at that stack of papers with so many charts
我想在這裏的，除了李慧琼議員和陳健波議員，他們建議市民好好的看，不要只投資在儲蓄。
I think Ms Starry LEE and Mr CHAN Kin - por are the exceptions here . They have advised the public to read the papers seriously and should not just invest their contributions in savings
我已經是一個大律師，但我也不是經常會如此小心地看那些表和究竟有多少風險。
I am a barrister and yet I do not always so carefully look at those charts and find out how much risk is involved
為了今日的發言，我曾諮詢一些我認為是中低層的僱員。
When preparing for my speech today I consulted some employees whom I think are at the lower to middle levels
發生一次"金融海嘯"之後，人們又會全部傾向投資一些十分保險的產品或全部轉到一些真真正正的債券，因為他們害怕，害怕連一毫子都輸掉。
After the occurrence of a financial tsunami people all tend to invest in some guaranteed products or switch all their benefits to invest in some genuine bonds because they are afraid . They are afraid of losing even the last penny
我曾幫助一位香港城市大學的同事，他在退休的時候想知道他究竟有多少錢，我甚至要替他致電查詢，走了很多步才知道他最後大概可以有多少錢。
Will some hotlines be provided in this connection? . I once assisted a colleague in the City University of Hong Kong who wanted to know how much money he would have upon retirement . I even had to call the company to make enquiries for him and it was after taking a lot of steps that we could find out around how much he would eventually have
有些人平時工作很忙，但他退休時同樣需要強積金。
Some people are always busy at work but they need their MPF for retirement all the same
他其實應該做更明智的投資選擇，包括當局已經提供了"半自由行"等。
They should actually make wiser investment choices such as making use of the semi - portability arrangement provided by the authorities
是否可以免費幫助他們，使他們不用去問一些專業的人士呢？
Can assistance be provided to them for free so that they do not have to turn to some professionals?
其實人真的很懶，大家真的不到退休就不會想，尤其是有穩定工作的人。
In fact human beings are indeed lazy and people really do not think about it until they approach retirement especially people who have a stable job
即使是醫生，很多醫生在雷曼事件都"中招"。即使一些議員同事的家人都"中招"，損失幾百萬元退休金或甚麼的，因為他們自己是專業人士，已經很專注工作、很忙。
Even for doctors many of them had fallen victim to the Lehman Brothers incident and even the family members of some Members had fallen victim to it and lost a few million dollars of their pensions or whatever because they being professionals themselves had put all the attention on their work and had a busy schedule
第二，始終都要說目標，我認為如果是保留強積金的話，政府應該有一個志向，是否應參考新加坡般，一步一步的做到一個中央強積金，把行政費用減到更低？
Second it is after all necessary to talk about the goal . I think should MPF be retained the Government should have a goal . Should it draw reference from Singapore and adopt a step - by - step approach to ultimately achieve a centralized MPF scheme so as to bring down the administrative fee?
而且幫助市民管理和轉換投資的時候是無私的，不會收取很多行政費。
And when helping the public in managing and switching their investments the process should be selfless or unbiased without charging excessive administrative fee
現時的行政費是huge，其實是投資管理費。
The current administrative fee is huge and actually it is the investment management fee
當然，我們知道每樣東西轉變的時候都會影響很多行業或一個行業，所以我不是說要一步到位，而是在演變的過程中可否有這個目標，而當中也可以再diversify那些在這行業工作的人，將來如果這改變可能會減少一些職位，中央強積金計劃又會增加甚麼職級呢？
Of course we understand that a change in anything may affect many industries or a certain industry . So I am not saying that the goal must be achieved in one step but in the course of the change can we have such a goal? . And in the process can we further diversify those people who work in this industry and if in the future such a change may render some positions redundant what additional positions will be created under the centralized MPF scheme?
代理主席，我希望有目標地發展退休的保障。
Deputy President I hope that there can be a goal towards which retirement protection will develop
主席，近年越來越多人批評香港產業過分單一，以及過分集中於金融業和地產業，應該朝向產業更多元化發展，這一點我完全認同。
President in recent years more and more people have criticized that Hong Kongs industries are too homogeneous and over - focusing on the financial and real estate sectors and that they should move in the direction of more diversified development . This I fully agree
國家的"十四五"規劃亦強調中央支持香港發展創新科技及文化藝術產業等，特區政府應當積極配合，把握機遇。
The National 14th Five - Year Plan also emphasized that the Central Authorities support the development of innovation and technology as well as the cultural and arts industries in Hong Kong . The SAR Government should actively provide facilitation and seize the opportunities
不過，相信大家也注意到，"十四五"規劃提到香港的優勢地位，排第一位的始終是國際金融中心的地位。
Yet I think Members have noticed that when the 14th Five - Year Plan mentioned the leading positions of Hong Kong it was our position as an international financial centre that always came first
規劃綱要首先強調的亦是如何強化香港作為離岸人民幣業務樞紐。
Also in the 14th Five - Year Plan emphasis was given to how to strengthen the role of Hong Kong as an offshore Renminbi RMB business hub before all else
早前在疫情最嚴峻的時候，撐住香港經濟和政府稅收的亦是金融業。
Earlier when the epidemic was most serious it was the financial industry that provided backing for the Hong Kong economy and the tax revenue of the Government
近年美國打壓中國經濟和科技發展，留難在當地上市及投資的內地企業，香港的金融市場和集資能力就顯得更為重要。
In recent years the United States has suppressed Chinas economic and technological development and created obstacles for Mainland companies listed and investing there . This has made Hong Kongs financial market and capital raising capabilities all the more important