Borrison/hk-legicost huggingface dataset:
在一些個案中，我們看到有些似是而非的自創專業用語，例如可以為顧客提供"債務紓緩"、"微型破產"或"小破產"等服務，這些似是而非的專業用語真的令到我們一頭霧水。
In some cases we have seen the invention of some specious jargons by these people . For instance they may claim that they provide services targeting debt relief micro bankruptcy mini bankruptcy and so on . We are really puzzled by these specious jargons
推出這樣的服務，令到一些信貸紀錄較差的朋友，誤以為這些中介公司真的可以幫助他們解決財務問題。
The launch of such services has led some people with relatively poor credit records to mistakenly believe that these intermediaries can really help them resolve their financial problems . The Money Lenders Ordinance Cap
香港法例第163章《放債人條例》在1980年訂立，主要目的是規管放債業務，亦是唯一規管放債業務的法例。
163 which was enacted in 1980 seeks mainly to regulate money lending business . It is also the only piece of legislation enacted for the regulation of such business
截至2016年12月31日，香港現時共有1,848個放債人牌照。
As at 31 December 2016 there were 1 848 money lender licences in total in Hong Kong
《條例》用以監管財務機構以外，所有經營向他人提供貸款的業務的公司或機構。
The purpose of the Ordinance is to supervise all companies or institutions other than financial institutions that carry on a business of provision of loans
《條例》最主要的條款，是規定放債人必須領取牌照及繼續承擔責任，而另一項重要的條款就是第24條，禁止以超過年息60%代理主席，是60%的實際利率借出款項，以打擊高利貸和不良放債業務。
The principal provision of the Ordinance stipulates that a money lender must obtain a licence and continue to assume responsibility . Section 24 another major provision prohibits any person to lend money at an effective rate of interest which exceeds 60 % per annum―Deputy President it is 60 % ―with a view to combating loan - sharking and bad money lending business
然而，縱使放債人受到規管，但中介公司卻不受《條例》規管，造成了一個"無皇管"的情況。
Nevertheless even if money lenders are subject to regulation intermediaries are not regulated by the Ordinance as if they are in a no mans land
自2016年12月1日起，政府實施了更嚴格的放債人牌照條款。
Since 1 December 2016 the Government has imposed more stringent licensing terms and conditions on money lenders
在新規定之下，財務公司或放債人只能向自己委託的中介公司所介紹的貸款人貸款，否則不能批出任何涉及中介公司的貸款。
Under the new provision finance companies or money lenders can only make loans to borrowers referred by their own appointed intermediaries . Otherwise they cannot approve any loans involving intermediaries
如果中介公司要向借款人收費，財務公司亦不能批出貸款，即是中介公司的收費必須從放債人或財務公司獲取，而不能夠在借款人身上獲取。
If the intermediaries should levy charges on borrowers the finance companies will be prohibited from approving the loans . In other words intermediaries must levy charges on money lenders or finance companies not borrowers
新規定亦同時要求放債人刊登任何廣告時都需要加上"風險提示"的字句。
The new provision also requires money lenders to include the words risk warning in placing any advertisements
透過收緊放債人牌照，其實並不能夠改良中介公司的所有問題，這些實屬一些短期的紓緩措施。
Actually the tightening of money lenders licences cannot ameliorate all the problems with intermediaries as these are only short - term relief measures
我提供一些數據或統計數字，截至2016年9月，香港海關共接獲211宗有關財務中介公司的投訴，當中167宗涉及虛假商品說明、27宗涉及誤導性遺漏、14宗涉及具威嚇性的營業行業，另外3宗涉及不當地接受付款。
Let me provide some data or statistical figures . As at September 2016 the Customs and Excise Department has received 211 complaints related to intermediaries in total . Among these complaints 167 involve false trade descriptions 27 involve misleading omissions 14 involve intimidating operating trades and the remaining three involve wrongful acceptance of payments
現在說的是接獲的投訴已有200多宗，情況是非常嚴重的。
Given that the number of complaints received has already exceeded 200 the situation is extremely serious
現時《條例》的執法機構是警務處，而在警務處負責執法的監管模式下，警方只會在收到舉報或投訴個案時才會處理。
The law enforcement agency under the Ordinance is currently the Police Force . According to the supervisory approach whereby the Police Force are responsible for law enforcement the Police will not take action until reports or complaints are received
正如胡志偉議員剛才所說，警方的人手已經非常短拙，亦承受很大的工作壓力，還怎會有時間或資源及早處理投訴個案呢？
As Mr WU Chi - wai pointed out just now the manpower of the Police is already very tight and under tremendous work pressure . How can the Police have the time or resources to deal with complaint cases at an early stage?
未能及早控制風險，預防問題發生，就導致不論是放債人或中介公司作出的一些違法行為。
The failure to prevent the occurrence of problems by risk control at an early stage has however resulted in offences committed by money lenders or intermediaries
問題是，如果要規管中介公司，其實不用勞師動眾多訂立一條新的法例，可以在《條例》裏再訂明何謂中介公司及甚麼人才可以成為中介公司，這當然包括操守上的一些指引，包括他是否一個fit and proper person等，這項工作可以透過在《條例》裏加上另一部分來做到。
The point is that there is actually no need to take all the trouble to enact a new piece of legislation . Instead the Ordinance can re - define intermediaries and who can become intermediaries . Of course some guidelines on conduct should be included such as whether or not the person in question is fit and proper and so on
但是，代理主席，我想大家想一想，長遠而言，這個社會究竟是否需要這些所謂中介公司？
This can be achieved by the addition of a new Part to the Ordinance . Nevertheless Deputy President may I suggest Members reconsider whether these so - called intermediaries are indispensable in this society long term?
如果一位人士的財務健全，但暫時需要一些借貸，為何他不到銀行或財務公司借錢呢？
If a person is financially sound but needs to borrow some money temporarily why does he not borrow money from a bank or finance company?
"沒有收入都可以借錢，這是怎麼樣的世界呢？
What sort of a world is it if someone without any income can borrow money?
長遠而言，中介公司是否應該繼續存在呢？
In the long run should intermediaries continue to exist?
現在我們說的不是售賣一些很複雜的保險或投資產品，而需要中介人解釋，現在說的只是 借錢、還錢，為何財務公司及銀行本身不可以做好這件事情呢？
We are not talking about the marketing of some very complicated insurance or investment products which means that explanations by intermediaries are required . Instead we are now talking about the borrowing and repayment of money . Why can finance companies and banks not perform this task properly?
如果根據原議案的建議，另設監管機構監管中介業務，我覺得長遠來說，不單浪費了政府的資源，亦只會把中介公司的存在合理化。
If a new regulatory body is established to regulate intermediary business I think that in the long run not only will government resources be wasted the existence of intermediaries will also become justified
我並非覺得金管局是一個適合的機構，亦有其他機構可以做到。
I do not think HKMA is the only appropriate regulatory body; other regulatory bodies can do the job as well
我希望政府探討一下，而無須設立一個新的監管機構。
I hope the Government can explore my suggestion rather than setting up a new regulatory body
長遠而言，市民想借貸究竟可以怎樣做呢？
In the long run what can members of the public do should they wish to borrow money?
另一個發展方向，是應該利用現有的市場機制，透過推動金融業務多元化發展，促進良性競爭，提高整個借貸行業的多元性。
Another development direction is to make use of the existing market mechanism to promote healthy competition and enhance the diversity of the entire lending industry through taking forward diversified development of the financial business . In particular with the development of financial technology Fintech Blockchain technology has seen wide application
尤其是隨着金融科技發展，區塊鏈技術被廣泛應用，一個人借貸、做財務評估，使用電腦可能30秒就已經做到，亦可能不足1分鐘後，那筆款項已經存入借貸人的帳戶，這是我希望香港在5年、10年後可以做到的模式，而不再需要使用中介公司，這亦是香港應該發展的方向。
It might take only 30 seconds for a borrower to complete a financial assessment on a computer and less than one minute for the loan to be deposited into his account . This is the model I hope Hong Kong can put in place in five or 10 years so that intermediaries will no longer be needed . This is also the direction in which Hong Kong should develop
當然，我們知道電腦或金融科技技術有待發展，亦有一些所謂網上交易風險，這些是政府需要考慮的。
Certainly we are aware that computer or Fintech has yet become pervasive . Moreover there are also the so - called transaction risks . All this has to be considered by the Government
代理主席，但長遠的發展方向是我們的確不需要中介公司。
But in the long run Deputy President intermediaries are indeed dispensable
我現在向各位提出的待議議題是：梁繼昌議員就經梁耀忠議員修正的麥美娟議員議案動議的修正案，予以通過。
I now propose the question to you and that is That Mr Kenneth LEUNGs amendment to Ms Alice MAKs motion as amended by Mr LEUNG Yiu - chung be passed
主席，麥美娟議員今天提出"促請政府加強規管放債人及財務中介公司"的議案。
President Ms Alice MAK has proposed a motion today on Urging the Government to step up the regulation of money lenders and financial intermediaries
她跟進此議題已有一段很長的時間，亦幫助了不少案主反映案情，甚至作出深入的跟進。
She has not only followed up this question for a very long period of time but also assisted quite a number of people in relaying the facts of their cases or even taken in - depth follow - up action
作為勞工界的議員，我曾經在坊間進行大量關於"取消強積金對沖"的社區教育，並向工會的會員講解。
Being a Member representing the labour sector I have made a lot of efforts in promoting community education on the abolition of the Mandatory Provident Fund offsetting arrangement as well as giving explanations to members of labour unions
主席，大家都知道現行的《放債人條例》在1980年制定，當時的數個目標很清晰：第一，不能以不合理的息率借貸；第二，禁止放債人合謀向借款人收取額外費用。
President as we all know the existing Money Lenders Ordinance was enacted in 1980 with several very clear goals First the rates of borrowing must not be unreasonable; and second money lenders are prohibited from levying extra charges on borrowers
但是，《條例》落實至今一直沒有作出修訂，而那群道高一尺、魔高一丈的不良分子明顯在挑戰《條例》的漏洞及鑽空子，從中巧立名目，以中介的角色繼續謀取暴利。
However no amendment has been made since the implementation of the Ordinance . Meanwhile the undesirable elements who are much stronger than law - enforcers are apparently challenging the loopholes of the Ordinance and manipulating the gaps while continuing to seek excessive profits as intermediaries under all sorts of pretexts
大家應該曾在報章看到一些個案，事主把物業進行多次按揭，因為"家家有本難唸的經"，他可能確實有周轉需要。
Members should have read in newspapers about some cases in which a person has mortgaged his property a number of times because of their difficulties and circumstances . Moreover he might really have cash flow needs
我想這不是唯一的例子，政府得悉這個問題後，究竟會否對《條例》的不足感到羞愧呢？
I think this is not the only example . Will the Government not feel ashamed for the inadequacy of the Ordinance?
既然《條例》有漏洞，政府卻不主動填補，並繼續縱容"吸血鬼"蠶食和殘害一些有需要的市民。
Despite the existence of loopholes in the Ordinance the Government has failed to take the initiative to plug them and instead continued to connive at the vampires eating and maiming some people in need
說到這裏，政府是否仍然充耳不聞呢？
When it comes to this matter is the Government still not listening?
所以，香港工會聯合會一直倡議政府必須重新修訂《條例》，並引入發牌制度，而從業員亦應該專業化。
This explains why the Hong Kong Federation of Trade Unions has been advocating that the Government must amend afresh the Ordinance and introduce a licensing regime . Moreover its practitioners should be made professionals
此外，我希望政府在聽到議員及市民提出的訴求後，盡快作出跟進工作。
Furthermore I hope that the Government can take follow - up action expeditiously after hearing the aspirations voiced by Members and members of the public
至於成效方面，我相信要花一些時間觀察。
Insofar as the effects are concerned I believe we need to spend some time making observations
如果沒有成效的話，政府當然要進一步加強措施及進行研究。
If no effects are produced the Government should certainly further enhance its measures and carry out studies
我只想指出，財經事務及庫務局現時的工作根本未到位，是浪費大家的時間。
I only wish to point out that the current effort of the Financial Services and the Treasury Bureau is simply not to the point and wasting our time
我希望局長認真考慮，如果當局重新修訂《條例》之前，仍然出現財務中介騙案的話，局長是難辭其咎。
I hope the Secretary can do some serious consideration . Should fraud cases involving financial intermediaries continue to occur before the Ordinance is amended afresh the Secretary can hardly shirk his responsibility
我希望你能夠尊重本港的法治精神，並提供更多協助，以免市民蒙受不白之冤。
I hope he can respect the spirit of the rule of law in Hong Kong and provide more assistance to prevent members of the public from being unfortunately victimized
今天我的同事陸頌雄議員提出要求政府全面檢討外判制度的議案，當然是因為陸頌雄議員十分關心基層工友的工作環境和權益。
Today my Honourable colleague Mr LUK Chung - hung has proposed a motion requesting the Government to comprehensively review the outsourcing system certainly because he is greatly concerned about the working environment and rights and interests of grass - roots workers
現在出現的情況是應該花的沒有花，一些恆常的工作崗位竟然招標外判。
The present situation is that the Government did not spend money where it is due . Some regular posts have surprisingly been outsourced by tender
外判後，我們發現有層層剝削和壓榨的情況，但政府竟然仍不願意取消外判制度的安排，實在有點過分。
After the work was outsourced we found multi - tier exploitation and suppression but the Government remains reluctant to abolish the arrangements of outsourcing . It has really gone a little too far
事實上，現時私人市場不停透過外判來壓縮經營成本，是為了追求無止境的盈利。
As a matter of fact now the private market keeps pushing down operational costs through outsourcing in its endless pursuit of profits
但是，特區政府並非要賺錢，並非要謀利，我們要保持社會公義和公正。
The Special Administrative Region SAR Government however does not aim at making money or seeking profits . We need to uphold social justice and fairness
所以，資源應用則用。
Hence resources should be used where necessary
主席，早在1997年之前，政府已經將服務外判；近年變本加厲，外判越來越多。
President the Government has long since outsourced its services before 1997 . In recent years the situation has worsened with more and more services outsourced
政府部門不斷將公營服務外判，除了剛才同事所說的清潔、保安、維修等服務外，甚至連文書工作也開始外判，好像不外判便不舒服，不外判便不安樂般。
The government departments keep contracting out public services . Apart from cleaning security and maintenance services as mentioned by Honourable colleagues just now even clerical work has started to be outsourced as though the Government will feel uncomfortable and uneasy if it does not do any outsourcing
政府經常說要節省資源。
The Government keeps talking about the need to save resources
倒過來說，若不外判，而是在公務員架構內管理有關服務的話，是否就會浪費資源呢？
To put it in the other way round will there be wastage of resources if the relevant services are not outsourced and managed within the civil service structure?
答案必然是否定的，因為在整個政府運作架構內，政府累積了這麼多經驗，為甚麼不可以自己管理？
The answer is definitely in the negative because the Government has accumulated so much experience within its entire operational framework . Why can it not manage the services itself?
再者，外面的管理令有關員工透不過氣，須面對最惡劣的工作環境。
Furthermore such management has made the relevant employees feel suffocated by the need to face the most terrible working conditions
2012年，政府外判合約共有6,000多份，較2002年增加超過三成，而截至2014年年底，單是房屋署、食物環境衞生署、康樂及文化事務署的外判服務員工便數以萬計。
In 2012 the total number of outsourced government contracts was 6 000 - odd up by more than 30 % when compared with 2002 . As at the end of 2014 the number of outsourced workers in the Housing Department the Food and Environmental Hygiene Department and the Leisure and Cultural Services Department LCSD alone stood at tens of thousands
實行外判制度的時間長，涉及人數龐大，但不見得政策完善。
The fact that the outsourcing system has been implemented for a long period with a huge number of people involved does not necessarily mean that the policy is perfect
外判公共服務引發的問 題有增無減，其中最為人詬病的是，政府作為全港最大僱主，竟然對外判制度樂此不疲，帶頭剝削基層工友的權益。
Problems caused by the outsourcing of public services have increased instead of decreasing . Among them the most scathing criticism is that the Government being the largest employer in Hong Kong is so addicted to the outsourcing system that it has taken the lead to deprive grass - roots workers of their rights and interests
與政府非公務員合約員工一樣，外判員工是"N無"人士，包括無晉升、無福利、無加薪、無保障、無前途，甚至連他們連續獲得聘用的年期都不能計作年資。
Similar to the non - civil service contract staff in the Government outsourced workers are N have - nots having no promotion opportunities no welfare benefits no pay rise no protection and no prospects . Even the length of service in their continuous employment is not recognized
主席，政府外判服務涉及不同私營機構和承辦商，他們的質素良莠不齊，過去有不少承辦商被揭發罔顧合約要求，以不正當和不道德的手法剝削工人的權益。
President the outsourced government services involve different private organizations and contractors with varying standards of service . In the past it was revealed that many contractors had neglected the contractual requirements depriving workers of their rights and interests in improper and immoral ways . Take outsourced cleaners as an example
以外判清潔工為例，現時有不少清潔工僅賺取最低工資的薪酬，政府部門沒有為他們提供合適的休息間、更衣室或用膳的地方，不少承辦商亦沒有安排指定的小休時間，甚至連基本的防護裝備亦沒有提供，導致他們因為工作而受傷和勞損的個案持續增加。
The government departments did not provide them with appropriate rest areas changing rooms or dining places . Many contractors did not arrange for any specified break time for them either . They did not even provide such basic protective gear as safety shoes thus leading to a continual increase in the number of cases of work injuries and strain disorders
主席，現在坊間人人都說要"貼地"，究竟我們的政府是否"貼地"呢？
President now everyone in the community talks about the need to be down - to - earth . After all is our Government down - to - earth?
他們有否關心外判工人的職安健？
Are they concerned about the occupational safety and health of outsourced workers?
有否關心他們工資偏低、同工不同酬的苦況？
Are they concerned about their plights of earning excessively low wages and different pay for the same work?
他們每月只領取滯後的工資，追不上物價增幅，難似養家，大家又是否知道呢？
Obtaining only meagre wages which lag behind the increase in consumer prices every month they can hardly feed their families . Are we aware of that?
在一些實行外判制度的國家，例如美國，除了聯邦政府和各州份的最低工資之外，聯邦政府亦有專為建造工程和服務合約的工人而設的另一項最低工資政策，有關工資水平明顯高於聯邦最低工資和大部分州份的最低工資，我們的特區政府會否參考這個做法呢？
In some countries which implement an outsourcing system such as the United States apart from the minimum wage levels set by the federal government and the various states there is a separate minimum wage policy especially formulated by the federal government for workers of construction projects and service contracts . The relevant wage levels are obviously higher than the federal minimum wage level and those in most of the states . Will our SAR Government draw reference from this practice?
主席，過去政府一直強調，外判服務不等於外判責任。
President all along the Government has emphasized that outsourcing the services does not mean outsourcing the responsibility
但是，我曾處理的一些外判個案赤裸裸地顯示，政府想"卸膊"，連責任也外判。
However some cases of outsourcing handled by me have starkly illustrated that the Government even wished to shirk and outsource its responsibility . Let me cite an example . In 2015 the contractor of outsourced library services closed down
我舉一個例子，2015年，圖書館的外判商倒閉，康文署轄下圖書館的許多外判員工突然失業，500多名工友被拖欠工資，多達33間圖書館受影響，情況令人關注。
Many outsourced workers of the libraries under LCSD suddenly lost their jobs . More than 500 workers were owed their wages . As many as 33 libraries were affected
這些已捲逃的外判商與政府簽訂了外判合約，而據我們的理解，合約裏有一項保證金，即外判商已交付了押金，但原來這押金只會用來賠償政府的損失，竟然分毫不會用來補償給員工，亦不能夠用來取代勞工權益，這是政府的疏懶。
To our understanding the contract provided for a security deposit . That means the contractor had paid a deposit but it turned out that this deposit would only be used to compensate for the Governments losses . Not a penny would be used to compensate the workers
事實上，政府訂立合約時，應該一併保障這些外判員工的權益，才算是盡責，否則便等於"卸膊"。
This is the Governments sloppiness . In fact in concluding a contract the Government should at the same time protect the rights and interests of outsourced workers . Only then can it be regarded as responsible
主席，說到這裏，究竟在這次辯論結束後，當局會否深入探討和反思外判服務的弊端，以及對整個社會的影響呢？
Otherwise it is tantamount to shirking its responsibility . Up to this point President after this debate is over will the authorities indeed examine in depth and reflect on the demerits of outsourcing as well as its impact on the whole society?
麻木地把服務合約 化和外判化，只會進一步令基層工友覺得政府對他們漠不關心，沒有提供協助，沒有伸出應有的援手，試問他們又怎會對我們的政府有信心呢？
Indiscriminate contractorization and outsourcing of services will only further make grass - roots workers think that the Government does not care about them at all . It would not offer any assistance . It would not lend them a helping hand when it should have done so
請我們的特區政府盡快取消外判制度，多謝主席。
Will our SAR Government please abolish the outsourcing system expeditiously . Thank you President
代理主席，剛才有議員提到一句說話：借錢不用還。
Deputy President earlier on I heard this remark made by Members Taking out loans without having to make any repayment
這句說話我們經常在電視上聽到，其實想深一層，以常人的角度來理解，這句說話與性交轉運之不可思議有異曲同工之妙。
We can often hear it on television . In fact if we think about it more in depth and understand it from the perspective of an average man this remark is as inconceivable as having sexual intercourse as a way to change a persons destiny
在香港，究竟是否仍有人相信借錢是不用償還的呢？
In Hong Kong is there anyone who still believes that one who takes out a loan needs not repay it?
但是，從數字及很多個案看來，的確是有越來越多人跌入這些中介公司或俗稱"放數公司"的詐騙陷阱，或成為這些公司不良營銷手法的受害人。
But from the figures and many cases we can see that indeed more and more people have been caught in these traps of fraud by financial intermediaries which are commonly referred to as usurers or become victims of the unscrupulous business practices of these companies
當然，很多議員也提出一些看法，例如大家剛才經常提到的一點，也就是會否因為在法律上或法例的條文不清晰，又或當中的資訊不流通所致？
Of course many Members have put forward some views such as whether it is the result of the lack of clarity in law or in the legal provisions or the poor flow of information a point often mentioned by Members earlier
舉例說，剛才毛孟靜議員提到是否需要設立公開的名冊；但根據我的理解，這說法似乎有少許落差，因為現時的香港法例第163章《放債人條例》已規定放債人的登記冊可供公眾查閱。
For instance earlier on Ms Claudia MO asked if it is necessary to put in place an open register but as far as I understand it this suggestion seems to be a bit deviated from the truth because the existing Money Lenders Ordinance Cap . 163 has already provided for the establishment of a register of money lenders for public inspection
如果進入這樣的討論，大家便會不期然地感到十分奇怪或詫異，因為既然有相關的法例和一定的法律存在，為何依然越來越多人誤墮這種詐騙陷阱或與中介公司有關的財務轇轕呢？
If our discussion is conducted in this light Members may naturally find it most baffling or astonishing as to why since the relevant legislation and certain legal provisions are in place more and more people are still inadvertently caught in these scams or financial disputes involving intermediaries
於是又推進一步，是否條例上存在漏洞而需要修例？
So by further inference are there loopholes in the law that warrant legislative amendments and so on and so forth?
我想說的是，如果要在條例上徹底根治這種情況，其實在過去的會議上也有多位議員曾提出，只要取締中介公司便可解決當中的問題。
What I wish to say is in order to weed out these cases radically actually a number of Members already proposed in past meetings that the problem could be resolved simply by eliminating the intermediaries
如果要借錢，向放債人借便可，為何要透過中介呢？
Anyone who wishes to take out a loan can go to a money lender . Why should it be done through an intermediary?
當中的原因是你和我也想不通的，可能是透過中介公司會否減省一些機會成本或交易成本，因而令大家的借貸活動更為方便呢？
The reason for engaging an intermediary is incomprehensible to us all . Perhaps the opportunity cost or transaction cost can be reduced by involving an intermediary which hence makes it more convenient for borrowing and lending a high sounding argument from an economics perspective
這些是堂而皇之的經濟學說法。可是，我想指出的是，其實除了法例或法律條文不足夠和不透明外，現實的理由可以綜合為以下兩點。
Having said that I wish to point out that apart from the inadequacy of and a lack of transparency in the legislation or legal provisions the reasons in reality can be summed up into two points
第一，與政治局勢有關。
First it has to do with the political situation
剛才有議員提到很多中介公司可能涉及黑勢力或與黑社會有關。
Earlier on some Members mentioned that many intermediaries may involve gangsters or triad societies
這是否真確，我沒有具體證據，不敢評論；但我可以肯定一點，這類中介活動或中介公司的犯案率或這方面的趨勢，往往與香港的政治局勢似乎有很微妙的關係。
As to whether this is true I do not have concrete evidence to prove it or otherwise and I dare not make any comment . But I can assert that these intermediary activities or the crime rate of intermediaries or such a trend often seems to have an intricate relationship with the political situation in Hong Kong
舉例說，不能做圍標的，便轉而做放數；不能放數的，但又依然要維持生計的，便幫忙去示威和集會。
For example when bid - rigging is out of the question one switches to usury; when usury is out of the question but if it is still necessary to make ends meet one gives a hand by taking part in demonstrations and assemblies
所以，為何現時的中介活動趨於小型，又或是很靈活的，突然間騙取百多二百萬元後便消失？
So why is it that intermediary activities now tend to be small in scale or carried out with great flexibility as they would strike suddenly to cheat people of some 1 million or 2 million and then disappear?
例如你有朋友在健身公司工作，那位健身教練朋友對你說他有辦法可方便借貸，他可能是在賭博或嗜好上與這方面有較多的關係或興趣，於是便自然很容易受到誘惑。
For instance you have a friend working in a physical fitness company and that personal trainer who is a friend of yours told you that he could help you take out loans easily as he might have more connections or a greater interest in this respect from gambling or his other hobbies and so naturally it would be easy to succumb to temptation
由此我想引申出第三點，也就是除政治因素之外，剛才已有同事提到，執法方面是由警察負責的，警務處是負責執法的。
From this I wish to move on to the third point . The political factor aside and as colleagues also mentioned earlier law enforcement is the job of the Police as HKPF is tasked to enforce the law
但是，我只想補充一點，從警務處剛剛向我們提供的統計數字看來，無力償債的 警務人員的統計數字，由2013年至2016年的趨勢並沒有任何變化。
But I wish to add just one point . From the statistics that HKPF have just provided to us there was not any change in the trend of the number of police officers with unmanageable debts between 2013 and 2016