Borrison/hk-legicost huggingface dataset:
香港政府作為全港最大的僱主，但對其外判服務的受聘員工卻拒絕承擔任何責任，做法之涼薄較建造業的承辦商更不如。
The Hong Kong Government being the biggest employer in Hong Kong nevertheless refused to take up any responsibility for employees of its outsourced services . The Government is so mean that it even fares worse than contractors in the construction industry
在今天的議案辯論中，不同黨派的議員均提出修正案。
In this motion debate today Members from different political parties and groupings have proposed amendments to the motion
我認同一切改善外判服務員工權益的主張，但有一點我必須指出，政府是外判服務的最終僱主，不能對受聘外判服務員工的權益置身事外，特別是當外判商違反《僱傭條例》，僱員的法定權益受到侵害時，政府不能拒絕承擔責任。
I support all proposals for improving the rights and benefits of workers of outsourced services but I must point out that the Government being the ultimate employer of outsourced services cannot detach itself from the rights and benefits of workers employed for outsourced services . Particularly when contractors have acted in breach of the Employment Ordinance to the detriment of employees statutory rights and benefits the Government must not refuse to shoulder responsibilities
主席，作為勞工界的代表，我不得不提出工時的問題。
President as the representative of the labour sector I must raise the issue of working hours
現時，外判商與僱員簽訂的標準僱傭合約，規定超時工資水平只要達到時薪100%便可，這樣的規定變相鼓勵僱主強迫僱員長工時工作，同時亦證明了標準工時委員會上月向政府提交的報告，建議以合約工時解決香港僱員工時過長的問題，完全不切實際。
Under the current requirement the standard employment contract signed between contractors and their employees only has to stipulate that the overtime pay shall be 100 % of the hourly wage rate . This provision is in effect encouraging employers to make their employees work long hours . This is also proof of the impracticality of the proposal for setting contractual working hours to resolve the problem of excessively long working hours of employees in Hong Kong put forward by the Standard Working Hours Committee in its report submitted to the Government last month
勞工界不接受報告的建議是有理有據的。
The labour sector has reasons not to accept this proposal made in the report
標準工時的主要目的是保障基層僱員工作時數不會過長，政府作為全港最大僱主，特別是在聘用基層勞工的外聘服務方面，政府應起帶頭作用，在標準僱傭合約內規定標準工時每周44小時和超時工作必須以1.5倍工資率作補償，以保障基層僱員的權益。
The main objective of setting standard working hours is to protect grass - roots workers from having to work excessively long hours . The Government is the biggest employer in Hong Kong and particularly in respect of outsourced services for which grass - roots workers are employed the Government should take the lead to specify in the standard employment contract standard working hours of 44 hours per week and an overtime pay rate of 1.5 times of the basic pay rate in order to protect the rights and benefits of grass - roots employees
主席，不少議員也提出外判服務的僱員工資水平應高於法定最低工資，現時最低工資調整機制的一大缺陷是每兩年才檢討一次，嚴重滯後於生活水平。
President quite a large number of Members have said that the wage level of employees of outsourced services should be higher than the statutory minimum wage . A major drawback of the existing minimum wage adjustment mechanism is that a review is conducted only biennially causing the wage level to seriously lag behind the standard of living
為了保障基層工友的生活，在每年檢討最低工資的機制未實行前，政府應在外判服務標準合約中規定每年調整僱員工資。
To afford protection to the living of grass - roots workers before there is a mechanism for an annual review of the minimum wage the Government should stipulate in the standard contract for outsourced services that employees wages should be adjusted annually
主席，最後我必須指出有關遣散費和長期服務金的問題，兩者均涉及僱員服務年資，但當外判合約期滿後轉換另一合約承辦商接辦服務時，外判工人的年資往往要在新合約中重新計算。
Lastly President I must point out the problem of severance payment and long service payment . Both payments involve the years of service of employees but when the provision of service is taken up by another contractor after the expiry of the outsourced service contract the counting of years of service of the workers often has to start all over again for the new contract
在某些個案中，承辦商利用不同手法，例如調派僱員到偏遠地區工作，令其自動辭職，以逃避支付遣散費。
In some cases the contractor has employed various means such as deploying employees to remote areas in order to make employees resign on their own initiative so that they can evade making severance payment
政府不能漠視外判工人年資不被承認的問題。
The Government must not turn a blind eye to the problem of non - recognition of the years of service of these workers
標準僱傭合約應要求接辦的承辦商，必須承認員工在上一服務合約的年資，以及堵塞承辦商可以任意調派僱員跨區工作的漏洞，以保障外判工友的權益。
The standard employment contract should require the incoming contractor to recognize employees years of service in the previous contract and plug the loophole that enables contractors to make cross - district deployment of their staff at will in order to protect the rights and benefits of the workers
代理主席，首先，我要感謝麥美娟議員提出一項如此有意義的議案。
Deputy President first of all I have to thank Ms Alice MAK for proposing such a meaningful motion
談到財務公司或中介公司的惡劣營商手法，我可以說我差點也成為受害者。
Talking about the bad practices of finance companies or intermediaries I would say that I did nearly fall victim to them
我受害並非因為我向他們借貸，而是因為我協助那些市民召開記者招待會，揭破這些財務中介公司如何吸市民的血汗錢，如何令他們家破人亡，以致我差點被控誹謗。
I had nearly suffered not because I borrowed money from them but that I assisted some members of the public in hosting press conferences to expose how these financial intermediaries had siphoned the public off the money the latter had sweated blood to earn and ruined the victims families and caused deaths which had almost rendered me charged for slander
根據警方的資料，這類公司很多具黑社會背景，他們"洗黑錢"和從事非法活動。
According to the information of the Police many of these companies have a triad background and engage in money laundering and illegal activities
警方近年在這方面打擊的力度確實較以往大，但我想指出，在兩三年前，很多市民曾向我們投訴，指他們向警方舉報這些公司串謀詐騙，欺騙數以萬元計、數以十萬元計，甚至數以百萬元計的金錢時，警方很多前線人員說一句："這些是民事案，不是刑事案"，便把他們這些合理的舉報拒諸於門外。
It is true that the Police have dialled up the vigour recently in combating these activities than it was the case in the past . However I would like to point out two to three years ago we received complaints from the public that when they reported these companies for involvement in conspiracy to defraud money ranging from tens to hundreds of thousands and even millions of dollars frontline officers of the Police would tell them These are civil cases not criminal cases and their reasonable reports would be rejected
我不知道是否因為有些銀行或財務公司有"內鬼"，很多時候客戶的借貸資料會被轉介至其他財務公司，而那些財務公司會致電這些本身已經有債務問題的市民，告訴他們："我是某銀行的代理或代表，我知你向某機構借貸，你不如向我 借貸，我可以提供低息貸款給你，是不成功不收費的。
The loan information of clients of some banks and finance companies is often transferred to other finance companies so I do not know if it is because of the presence of moles . As a result these finance companies may ring up these people who have got into debts and tell them I am the agent and representative of a certain bank and I know you have taken out a loan from a certain institution . You had better borrow money from my company and I will offer you a low - interest loan
市民信以為真，便到這些公司簽署所謂的顧問服務協議、貸款服務協議，由這些公司協助他們借貸，聲稱不成功不收費。
People would believe that it is true and sign a so - called consultancy fee or loan services agreement to let these companies assist them in securing a loan . These companies claim that no fees will be charged till a loan is taken out successfully
就是不收費，永不安寧，不論能否成功協助市民借貸，他們也一定要收費。
It means that the borrower will not find peace till they pay the fees for these companies will surely charge the fees whether or not they can help the borrower to obtain the loan
政府是否容許這樣的事情發生呢？
Will the Government allow these things to happen?
對於這一連串的問題，政府不得不採取較強的力度來插手干預和糾正。
With regard to the series of problems the Government must make vigorous efforts to intervene and correct them
主席，現時，綜合社會保障援助計劃下各類受助人獲發的標準金額，是依據社會福利署於1996年評定有關類別受助人基本生活所需的一籃子商品及服務的價格作為基數。
President at present the standard rates under the Comprehensive Social Security Assistance Scheme CSSA to be received by various categories of CSSA recipients are based on the prices of a basket of goods and services assessed by the Social Welfare Department in 1996 to be the basic needs for the relevant category of recipients
各類受助人可獲發的綜援金每年按社會保障援助物價指數作出調整。
The CSSA payments receivable by various categories of recipients are adjusted annually according to the Social Security Assistance Index of Prices
另一方面，行政長官在上月發表的《施政報告》中提出，把領取長者綜援的合資格年齡由60歲提高至65歲，以配合人口政策延遲退休年齡的方向。
On the other hand the Chief Executive proposed in the Policy Address delivered last month that the eligible age for elderly CSSA be raised from 60 to 65 to align with the direction of the population policy to extend retirement age
主席，就邵家臻議員的質詢，我現答覆如下： 一 截至2016年12月底，綜合社會保障援助計劃下有7,505名55至59歲健全成人，佔整體348,431名綜援受助人約2%。
President my reply to Mr SHIU Ka - chuns question is as follows 1 As at end - December 2016 there were a total of 7 505 able - bodied adult recipients aged between 55 and 59 under the Comprehensive Social Security Assistance CSSA Scheme representing about 2 % of the overall 348 431 recipients under the Scheme
自2013年1月1日起，社會福利署委託非政府機構協助推行"自力更生綜合就業援助計劃"，為15至59歲有工作能力的健全綜援受助人，提供就業援助服務。
Since 1 January 2013 the Social Welfare Department SWD has been commissioning non - governmental organizations NGOs to assist in implementing the Integrated Employment Assistance Programme for Self - reliance IEAPS to provide employable able - bodied CSSA recipients aged 15 to 59 with employment assistance services
有關非政府機構會因應個別受助人的需要，提供多元化和一站式的就業援助服務，包括協助他們訂立尋找工作計劃，以及為他們提供就業資訊、適切的培訓及就業後支援服務，以提升他們就業機會及協助他們持續就業。
According to the needs of individual recipients the relevant NGOs provide multifarious and one - stop employment assistance services including assisting them in formulating job search plans and providing them with information on employment suitable training as well as post - employment support services with a view to enhancing their employability and assisting them to sustain employment
自2013年1月至2016年12月底，共有76,743人參加就業援助計劃，當中16,133人在參加就業援助計劃後成功就業或重返主流教育，即佔總參加人數的21%。
From January 2013 to end - December 2016 IEAPS had a total of 76 743 participants among whom 16 133 or 21 % had successfully secured employment or returned to mainstream schooling after participating in the IEAPS
社署沒有備存就業援助計劃參加者成功就業或重返主流教育的人數及年齡的分項數字。
SWD does not keep the number and age profile of IEAPS participants who had successfully secured employment or returned to mainstream schooling
鑒於香港人均壽命延長及鼓勵較年輕長者繼續工作的政策，政府建議把領取長者綜援的合資格年齡由60歲提高至65歲。
In view of the improved life expectancy of the population and a policy of encouraging the young - olds to join the workforce the Government recommended raising the eligibility age for elderly CSSA from 60 to 65
新政策實施前正領取綜援的60至64歲人士將不受影響，但如果受助人脫離綜援網後重新申領綜援，經修訂的年齡定義則適用於他們。
Persons aged between 60 and 64 who are receiving CSSA before the new policy takes effect will however not be affected except when they re - apply for CSSA after having left the CSSA net in which case the revised definition of old age will apply to them
另外，殘疾或 健康欠佳的受助人的綜援金額不受新政策影響，即不論他們的年齡亦與長者一樣可領取較健全成人為高的金額。
Meanwhile the CSSA payments of disabled persons or persons in ill health will not be affected by the new policy ie . they will regardless of their age and same as elderly recipients receive CSSA payments which are higher than those applicable to able - bodied adults
三 政府每年會參考社會保障援助物價指數的變動調整綜援的標準項目金額。
3 The Government takes account of the movement of the Social Security Assistance Index of Prices SSAIP and adjusts standard payment rates under the CSSA Scheme on an annual basis
社署由2011年至2017年，按上述機制把綜援計劃的標準項目金額共上調超過30%。
In accordance with this mechanism SWD has adjusted upward the standard payment rates under the CSSA Scheme by more than 30 % from 2011 to 2017
現時的權數系統以2014-2015年度作基期。
The base year of the current weighting system is 2014 - 2015
若把平均綜援金額與全港最低支出25%非綜援家庭的平均支出相比，前者在大部分住戶組別都較高。
If we compare the average CSSA payments with the average expenditure of the lowest 25 % expenditure group of non - CSSA households in Hong Kong the former is higher in most household categories
在2016-2017年度，綜援的預算經常開支約214億元，佔政府社會福利經常開支約35%或政府整體經常開支約6%。
In 2016 - 2017 the estimated recurrent expenditure of CSSA is 21.4 billion representing about 35 % of the Governments social welfare recurrent expenditure or about 6 % of the Governments overall recurrent expenditure
主席，可能你也知道，本星期一晚上福利事務委員會有9位議員去了探訪露宿者，其中聽得最多的說話是綜援金太少，不敷應用。
President as you may know nine members of the Panel on Welfare Services visited street sleepers this Monday night . What we heard most frequently was that CSSA payments are too low and insufficient
一千七百三十五元的租金津貼根本連"劏房"也無法租住，現時的綜援金額連他們的生活也完全無法照顧。
The rent allowance of 1,735 is not enough even for renting a sub - divided unit . The existing CSSA payments are totally unable to support their living
綜援住戶支出較25%非綜援住戶支出高，是因為市民太貧窮。
The expenditure of CSSA households is higher than that of the lowest 25 % of non - CSSA households because the people are too poor
綜援受助人亦包括很多長者、體弱及傷殘人士，而不是綜援金額高。
It is not that CSSA payments are high but CSSA recipients also include many elderly frail and disabled persons
為何政府不以最低的50%非綜援住戶作為比較？
Why did the Government not use the lowest 50 % of non - CSSA households for comparison?
政府是否要誤導市民，令他們以為綜援住戶的支出較一般市民高呢？
Is the Government trying to mislead the public making them think that the expenditure of CSSA households is higher than that of the general public?
主席，眾所周知，綜援是作為最後的安全網，綜援金額主要是支援認定的基本需要。
President as we all know CSSA provides a safety net of last resort . CSSA payments are mainly for supporting recognized basic needs
現在與最低支出的25%相比，其實在大部分的組別都是綜援金額較高。
Compared to the lowest 25 % expenditure group CSSA payments are higher in most categories
如果談到長者、健康欠佳人士的情況，該標準金額也會相應提高，當中也有一些相應的補助金和特別津貼，真正支援其認可的基本需要。
When it comes to the elderly and persons in ill health the standard rate will increase correspondingly and relevant supplements and special grants will be provided to truly support their recognized basic needs
主席，每年的施政報告發布後，我們都會落區舉行居民大會，聽取市民意見。
President after the announcement of the policy address every year we would host residents meetings in the districts to gauge peoples views
其實有街坊反映過，整份施政報告基本上也不 錯，做到多少便做多少，但唯獨把長者綜援年齡由60歲提高至65歲，大家都認為是一項敗筆。
In fact some residents conveyed the view that the Policy Address this year is basically quite good having done as much as it can . However they all thought that raising the eligible age for elderly CSSA from 60 to 65 was a mistake
有否就他們的就業前景作詳細的研究才提出這項建議呢？
Did the Government study in detail their employment prospects before making such a proposal?
大家認同的整體方向都是要盡量釋放勞動力，包括中年以上仍有工作能力的人士投身工作。
The agreed overall direction is to release as much labour force as possible including people above middle age who still possess working ability to join the workforce
事實上，眾所周知，香港人越來越長壽，是現時世界上最長壽的地方。
In fact it is well known that the life expectancy in Hong Kong is on the increase . At present the life expectancy of Hong Kong people ranks first in the world
以往可能說"七十古來稀"，但現在長者的平均年齡男士達81.2歲，女士則達87.3歲。
In the past we might say People rarely live to 70 but now the average life expectancy is 81.2 for male and 87.3 for female
該研究報告只回應勞方......
The study report only responds to the labour side
但沒有就資方的工作進行研究......
but no study was conducted on the employer side
郭偉强議員，請坐下。
Mr KWOK Wai - keung please sit down
我再次強調，我們當然審視了他們的就業情況和就業市場的情況，的確有大量僱主願意聘請60歲至64歲以上的人士。
I stress once again that we have certainly examined their employment situation and the job market . Indeed a large number of employers are prepared to employ people aged between 60 and 64
主席，他肯定沒有進行過研究，邵家臻議員問他55歲至59歲現時正領取綜援的參與自力更新計劃人士，即協助他們尋找工作的計劃的成功率為何，他也未能回答。
President he certainly has not conducted any study . Mr SHIU Ka - chun asked him the success rate of IEAPS which helps CSSA recipients aged between 55 and 59 find jobs but he could not give any answer
主席，我們在較早前的委員會會議中詢問了勞工處處長，勞工處去年整年僅成功介紹了300名60歲至64歲的求職者覓得工作。
President we made enquiries with the Commissioner for Labour at a committee meeting earlier . LD successfully referred only 300 job seekers aged between 60 and 64 for placement last year
一年只能成功協助300多人，我們現時有25000多名60歲至64歲的長者在申領綜援。
CSSA recipients aged between 60 and 64 number at over 25 000 at present
我想問局長，他表示要將退休年齡提升至65歲，以釋放勞動力，他有甚麼把握可協助這25000多名長者找到工作，令他們不需要依賴綜援，他有甚麼把握？
The Secretary said he would seek to raise the retirement age to 65 to release labour force may I ask him how he can be certain that these some 25 000 elderly people can be helped to land jobs so that they will not need to rely on CSSA? . How can he be certain about that?
如果我們翻看2016年的資料，私營機 構僱主向勞工處提交了134萬個職位空缺，當中對求職人士的學歷不拘的空缺接近38萬個，即佔所有空缺約28%。
If we review the data for 2016 private sector employers submitted 1.34 million vacancies to LD . Among these vacancies close to 380 000 or 28 % did not require job seekers to possess specific academic qualifications
正如我剛才所說，無論僱員再培訓局的培訓或勞工處的就業支援服務，我們其實在各方面也加強了工作，剛才已有提及，我不再重複。
As I have said ERB and LD have both stepped up their efforts in employment assistance service so I do not make any repetition here
當然，我們看到勞動參與率是44.5%，比整體勞動參與率59.2%為低，正因為這樣我們要在就業支援及培訓方面多做工夫。
It is true that the labour participation rate of 44.5 % is lower than the overall labour participation rate of 59.5 % . It is precisely because of this that we have to make greater efforts in employment assistance and training
梁耀忠議員，請發言。
Mr LEUNG Yiu - ching please speak
我問他有何計劃、行動及具體方案幫助這群60歲至64歲領取綜援的人士......
I asked him what plans actions and concrete proposals are available to help these CSSA recipients aged between 60 and 64
我們會繼續加強各方面的工作。
We will continue to strengthen the efforts in various aspects
主席，我想提醒局長，申請公屋的資格，以及參加長者地區中心、鄰舍中心、日間護理中心、家居照顧服務、安老院、護理安老院等均以60歲為門檻。
President I would like to remind the Secretary that eligible age for application for public housing District Elderly Community Centre Neighbourhood Elderly Centre Day Care Centres Home Care Services Homes for the Aged Care and Attention Homes for the Elderly and so on are all 60
我想問局長，為何要5年？
May I ask the Secretary why must it be five years?
大家也知道，物價飆升並非5年才飆升一次，而是每年也飆升，大家也看到每年不斷通脹，5年累積下來，數字一定會很大，即使已作出調整，數字仍是滯後。
As we all know prices do not soar every five years but every year . We all see the annual inflation . The figure accumulated over five years must be significant and it still suffers a lag even after adjustment
為何局方一定要規定5年，而不是1年、2年、3年或4年？
Why must the Bureau set down a five - year period instead of one year two years three years or four years?
其實，調整涉及兩個機制，第一個機制是每年透過社援指數作出調整。
In fact the adjustments involve two mechanisms . The first mechanism is annual adjustment according to SSAIP
事實上，由2011年至今年，數字已上調30%。
In fact from 2011 until this year the figure has increased by 30 %
除此以外，每5年進行調查其實是要配合政府統計處對綜援住戶開支統計調查的結果，我們會特別檢視綜援戶用於不同商品及服務方面的支出比重有何不同，然後調整比重，這樣更能真實反映他們現今用在哪方面的支出可能較多的權數，然後加進去作出調整，所以是兩項機制，當中每年亦會作出調整。
In addition the survey conducted every five years is in line with findings of the Household Expenditure Survey on CSSA households by the Census and Statistics Department CSD . We will examine the differences in the proportions of CSSA household expenditure on various products and services before adjusting the proportions so that the adjustments can truly reflect which areas of expenditure carry higher weightings . Therefore there are two mechanisms and adjustment is made every year
事實上，由於現時統計處就綜援住戶開支統計的調查是每5年進行一次，所以我們也是跟隨該機制進行而已。
In fact since the Household Expenditure Survey on CSSA households is conducted by CSD every five years we are simply working in accordance with that mechanism
我贊成麥美娟議員提出的原議案。
I agree with the original motion proposed by Ms Alice MAK
部分無良的財務中介公司透過各種財技，欺詐以至明目張膽欺騙市民，不少人需要借錢周轉，但到頭來真正到手的錢在支付公司高額的顧問費和手續費後，其實所剩無幾，現金借不到多少，反而更債台高築。
Some unscrupulous financial intermediaries cheat or even blatantly deceive the public through all kinds of financial skills . Many who needed to borrow money for cash flow ended up not receiving much cash but in heavy debts instead after paying high consultancy fees and administration fees
事實上，很多無良中介公司在社區造成很多人間慘劇。
In fact many unscrupulous intermediaries have created many tragedies in society . Some people who have mortgages to repay seek help from financial intermediaries for temporary cash flow
不少要供樓的市民，為一時的資金周轉向財務中介公司求助，但被這類無良中介榨乾榨淨後，到手的錢根本不足以應急；與此同時，由於債務加重，收入不足以償還月供，人到中年亦難以長期借貸，所以，最後連房屋也被收去，更出現家破人亡的慘劇。
But after being exhausted by these unscrupulous intermediaries the money that ends up in their hand is not even enough to meet their urgent need . Meanwhile due to the increased debt their income is not enough to repay the monthly instalment . It is also difficult for people approaching middle age to take out any long - term loans
我在地區辦事處也收到很多不同有關中介和財務的投訴，這種趨勢亦有越趨急劇的跡象。
So in the end even their homes are taken away families destroyed and tragedies happen . I have received many complaints about intermediaries and financial agencies in my ward office and the trend shows a sign of rapid increase
結果投訴人到來我們的辦事處，我們直接與相關公司談 判一番，又或找警方重新檢視，最終警方會出力，但似乎這些個案每每首先要經議員辦事處再交給警方，才能真正幫助市民。
As a result the complainants came to our office . We negotiated with the relevant companies direct or asked the Police to review the cases again . Eventually the Police would do something but it seems that this kind of cases often need to be referred to the Police by Members ward offices in order to really get help
我的辦事處接到一宗最嚴重的個案，是事主最初向警方求助，警方對他說這宗個案似乎是民事或財務爭拗，導致該市民最終被逼迫至跳樓輕生。
My office recently received a most serious case . The victim initially sought help from the Police but the Police told him that the case seemed to be a civil or financial dispute . As a result the person was eventually forced to plunge to his death
其實該市民已經離世，他的家人後來向我求助，我致函警方，警方後來重新檢視該個案，然後回覆我們表示最近已拘捕相關人士，亦正進行一定的程序。
The persons family came to me for help after he had passed away . The Police reviewed the case afresh upon receipt of my letter and replied that the relevant persons had been arrested recently and certain procedures were being undertaken
這宗個案的事主是一名的士司機，有一天他收到中介公司職員的來電，告訴他能夠低息貸款。
The victim of this case was a taxi driver . One day he received a phone call from the staff of an intermediary offering him a low - interest loan
這位先生本身百病纏身，打算借貸30萬元應付治療費，豈料他先後遭兩間中介公司詐騙，哄他借貸更多錢，借了100萬元。
This gentleman was in ill health and intended to borrow 300,000 to meet his treatment costs . It turned out that he was deceived by two intermediaries successively which lured him into borrowing more money and he ended up borrowing 1 million
可是，當他簽署了一堆文件，以為可以獲得貸款後，發現原來顧問費為90多萬元。
However after signing a pile of documents thinking that he could receive the loan he found out that the consultancy fees amounted to over 900,000
試想一下，100萬元中有90多萬元是顧問費和手續費，他只得數萬元貸款。
Come to think about this . Over 900,000 out of 1 million was consultancy fees and administration fees . He received only several ten thousand dollars of the loan
後來該中介顧問公司甚至結業，但廣告亦云"借錢梗要還"，他借了100萬元後便被人用電話恐嚇，又上門追債，又貼大字報，令他的家人也飽受滋擾，而收樓問題亦面臨官司，他最終不堪重負，跳樓輕生。
The intermediary even folded subsequently but as it says in the advertisement You have to repay your loans . he received intimidation phone calls debt collectors came to his doors and big - character posters were put up . His family also suffered from such nuisances and he was facing a property repossession lawsuit
他的家人形容這些中介財務公司唯利是圖，不擇手段。
He was so overwhelmed and eventually plunged to his death . His family described these intermediaries as seeking profits by every unscrupulous means
原議案的措施有很多，我在這裏不想具體重複有關措施，不過，我有數點想稍作補充。
Many measures are proposed in the original motion yet I do not wish to repeat them . But I have a few points to add
我們接到很多個案，發現有很多類近的元素，就是部分財務公司或中介公司似乎對欠債人的財政狀況有所掌握，他們很有準備地看到他們有財政困難，甚至知道他們的信貸紀錄問題，且需要流動資金。
There were many similar elements in a number of cases received by us . One of them was that finance companies or intermediaries seemed to have a good grasp of the debtors financial condition . They were well prepared to spot the debtors financial difficulties and even knew their credit records and that they needed cash flow
令人驚奇的是，究竟這些中介公司如何獲取這些資料呢？
It was so shocking . How did these intermediaries obtain such information?
我相信大部分市民的信貸紀錄，連家人甚至是妻子也未必知道，但為何中介公司會如此一清二楚？
I believe for most people even their families or wives may not know their credit record . So how did these intermediaries know so well?
當中一定涉及有人泄露這些信息。
It must involve disclosure of information
我覺得當局有必要調查跟進，從源頭封鎖不良財務中介的信息來源。
I think it is necessary for the Administration to investigate and block the source of information of unscrupulous financial intermediaries
亦有些情況是，與不少中介公司有聯繫的原來都是大型的銀行機構，但這些機構是否也應該承擔相應的責任呢？
In some cases intermediaries turned out to have association with major banking institutions . So should these institutions also bear a corresponding share of the responsibility?
不能有人帶人來借錢 或重組便無任歡迎。
They should not welcome every person brought before them for a loan or debt restructuring