Borrison/hk-legicost huggingface dataset:
我們看新聞也看到，最近有人去找換店兌換大量人民幣到內地時，找換店職員都會好心提醒，以免他們墮入騙徒的圈套，那麼大型銀行是否更應反思呢？
We can read in the news that recently when people exchange a large amount of RMB for transmission to the Mainland staff of the money changer will remind them in order to protect the public from possible scams . Should major banks all the more not reflect on this?
盡快立例，保障市民。
enact legislation as soon as possible to protect the public
主席，古時、很久以前，財務公司還未叫作財務公司時，稱為"大耳窿"。
President in the ancient times a long time ago when finance companies were not yet called finance companies they were known as big ear holes
根據文獻記載，以前在街市某些地方，有很多人聚賭，於是有些人看準時機，在那裏放債，收取昂貴的利息。
According to empirical records in the past there were certain spots in the market where people would gather and gamble . So some people took the opportunity to offer loans there charging exorbitant rates of interest
它們迫使很多人走上絕路，在這些人最脆弱時，騙取他們的金錢和資產。
They have driven many people into a dead alley defrauding them of their money and assets when they were most vulnerable
這些中介公司人人得而誅之，為何我們仍然眼白白看着它們在社會上放肆呢？
These intermediaries deserve the severest punishment possible . Why do we still watch them act in an unbridled manner in society without doing anything?
"借錢梗要還，咪俾錢中介"，我們都聽得懂。
Dont pay any intermediaries . We all understand it
對，他們要負上責任，但制度同樣要負上責任。
Right they have to bear the responsibility but the system is also responsible
所以，主席，我們其中一項倡議，就是要有一套更完善的監管法例，甚至要找出這些"黑心中介"，讓他們知道不能隨意欺詐，他們欺詐及騙取市民的身家，是有後果的，不能逃之夭夭，消失了便算。
Hence President one of our propositions is to have better regulatory legislation . We even need to locate these unscrupulous intermediaries and make them know that they cannot commit frauds as they please . There will be consequences if they commit frauds and swindle people out of their savings
他們不能一次又一次地詐騙市民。
They cannot just run away and disappear . They cannot deceive members of the public one time after another
我們要知道，"人有三衰六旺"，一個人在最無助的時候借錢，其實他並不想這樣，但如果他有能力還款，便是上等人。
As we should know everyone will have his ups and downs . When a person borrows money at his most helpless moment actually he does not want to do so but if he has the ability to make repayment he is someone respectable
這些中介公司欺騙別人，利用別人最脆弱之時，騙取其全部身家，更連其物業也騙走，人人得而誅之。
These intermediaries deceive people exploiting their weakest moment to defraud them of all their savings and even their properties . They warrant the severest punishment possible
我們要讓基層市民、最無助的市民知道有關資訊，不要再造就這些中介公司騙錢的機會，因為它們欺騙過一次，便自然會有下次，越騙越多，結果我們對它們亦無可奈何，這不是我們想看到的制度。
Do not create any more opportunities for these intermediaries to swindle people out of their money because after they have cheated once they will certainly do it again thus deceiving more and more people . In the end we can do nothing about them . This is not the kind of system we want
事實上，香港在一些有關金融科技的排名中其實表現不俗。
In fact Hong Kong has performed reasonably well in a number of ranking studies concerning Fintech
例如，一家諮詢機構編製的金融科技應用度指數指出，香港"活躍於數碼生活"的人士在2015年曾使用金融科技產品及服務的比率，較新加坡高出1倍。
For example in the Fintech Adoption Index compiled by a consultancy firm Hong Kongs rate of Fintech usage for digitally active people in 2015 doubled that of Singapore
二 由我擔任主席的金融科技督導小組在2015年4月成立，負責研究推動香港成為金融科技中心所需的措施，並於去年2月發表報告。
2 The Steering Group on Financial Technologies under my chairmanship was established in April 2015 and was tasked to study measures required to develop Hong Kong into a Fintech hub . The Steering Group released its report in February last year
政府參考了小組的報告後，已聯同各金融監管機構及持份者在規管、支援措施、人才、推廣和資金方面進一步推出不同的措施，包括： a 在規管方面，《支付系統及儲值支付工具條例》全面生效後，獲發牌的13個儲值支付工具持牌人正按其業務計劃積極推出或加強服務。
After considering the Steering Groups report the Government together with financial regulators and stakeholders has introduced an array of additional measures on regulation facilitation talent promotion and funding including a Regarding financial regulation after the full commencement of the Payment Systems and Stored Value Facilities Ordinance the 13 licensed stored value facility operators are launching new or enhancing their services according to their business plans
除了各金融監管機構設立的金融科技專用溝通平台外，金融管理局在去年設立的"金融科技監管沙盒"亦讓銀行以先導形式去試行應用新科技，例如生物認證、證券交易和區塊鏈等。
Apart from the dedicated Fintech liaison platforms set up by the regulators the Hong Kong Monetary Authority HKMA established its Fintech Supervisory Sandbox last year allowing banks to conduct live pilot testing of Fintech initiatives such as biometric authentication securities trading and Blockchain technology
可見適度的監管有助推動金融創新。
These initiatives show that measured regulation can help promote financial innovation
b 為支援金融創新，數碼港已於去年推出專屬培育計劃和超過4,300平方米的金融科技專區。
b To support financial innovation Cyberport launched its designated incubation programme and a 4 300 - square metre dedicated Fintech space last year
培育計劃目前已有13間金融科技初創企業參與，並會在未來4至5年再支援約130間相關企業。
So far 13 Fintech start - ups have been admitted to the incubation programme and Cyberport will provide support to another 130 or so Fintech companies over the next four to five years
另外，投資推廣署於去年11月公布的調查也顯示，從事金融科技業務的初創公司從2015年年中的86間增至138間。
Moreover according to a survey published by InvestHK in November last year there were 138 Fintech - related start - ups in Hong Kong up from 86 in mid - 2015
據一家諮詢機構及投資市場數據公司的統計，金融科技公司在2014年1月至2016年9月期間於本港共吸引了近3億7,000萬美元的風險資金投資，差不多是新加坡同期的3倍。
According to statistics from a consultancy firm and a service provider for investment market data Hong Kong attracted US370 million of venture capital investment in Fintech companies between January 2014 and September 2016 almost tripling that of Singapore over the same period
政府會繼續落實措施，推動現有金融機構及初創企業應用、投資及研發金融科技，並加強這些企業之間，以及與科研機構的協作，以及留意國際社會和本地的新機遇及挑戰。
The Government will continue to implement initiatives to promote Fintech application investment and development by existing financial institutions and start - ups as well as strengthen enterprise - level collaboration and cooperation between enterprises and research institutes . We will also monitor any emerging opportunities and challenges on the international and local horizons
主席，政府是金融科技政策的制訂者，業界則是具體落實者。
President the Government is the formulator of the Fintech policy whereas the industry is the practical executor
請問政府有何安排，讓政府可與業界無縫對接和合作，切實地在政策中反映業界的意見，令政策更貼地？
May I ask what arrangements the Government have for facilitating seamless connection and cooperation between the Government and the industry and truthfully reflecting in the policy the industry views so that the policy will be more down - to - earth?
多謝陳議員的補充質詢，我完全認同他的看法。
I thank Mr CHAN for his supplementary question . I completely concur with his view
金融科技是一項新穎的科技應用，當中牽涉科技與業界的商業運作模式，以及在監管方面的配合。
Fintech is a novel technology the application of which involves technologies and commercial operations of the industry as well as corresponding regulatory efforts
政府要在科研發展方面制訂一套整體政策，以鼓勵科研在香港的生態環境下發展。
The Government needs to formulate an overall policy for scientific research development to encourage such development in the ecological environment of Hong Kong
在這方面，政府及各監管機構一直與業界保持聯繫。
In this connection the Government and various regulatory authorities have all along maintained liaison with the industry
去年，施政報告建議推出科技券計劃，這是一個良好的開始，為中小型企業提供支援，以提升金融科技。
Last year the Policy Address proposed the introduction of the Technology Voucher Programme which was a good start in providing support for small and medium enterprises SMEs to upgrade Fintech but the subsidy capped at 200,000 is in fact minimal because what they need most is actually technical support
請問政府可否協助打造一個跨境認證公用平台，供中小型證券商和金融機構共用？
Being at a loss the SMEs feel helpless . Can the Government help the establishment of a common platform for cross - border authentication for use by small and medium securities dealers and financial institutions?
主席，多謝張華峰議員的補充質詢。
President I thank Mr Christopher CHEUNG for his supplementary question
其實，政府完全了解很多業界人士均希望參與金融科技的發展，例如張議員剛才提到的跨境認證，以及網上交易等相關科技，許多中小企和不同的金融機構對此均有很多訴求。
As a matter of fact the Government fully appreciates that many members of the industry wish to participate in Fintech development . For example many SMEs and different financial institutions have quite a few demands for technologies related to cross - border authentication and online transactions as mentioned by Mr CHEUNG just now
我們的看法是，我們希望首先能加強監管機構與金融機構和初創企業之間的溝通。
In our view we hope to first enhance the communication among the regulatory authorities financial institutions of all sizes and start - ups
此外，還有我剛才提及的很多措施，包括數碼港的很多設施，以及政府提供的資金，可協助初創企業。
Moreover many other initiatives mentioned by me just now including a number of facilities in Cyberport and funding provided by the Government are available to assist start - ups
我們知道很多企業也想知道如何參與這些活動，我希望可以吸引及鼓勵更多企業，多些與我剛才提及的不同平台接觸。
We know that many enterprises wish to know how to participate in these activities . I hope more enterprises will be attracted and encouraged to make more contact with the different platforms mentioned by me just now
香 港作為國際金融中心，亦吸引了多家國際金融及專業服務機構在香港設立金融科技實驗室和培育計劃，足證香港的優勢。
Being an international financial centre Hong Kong has attracted various international financial and professional organizations to set up Fintech laboratories and incubation programmes in Hong Kong thus proving Hong Kongs advantages
但是，特區政府在金融科技發展方面仍然停留於與業界進行科研，以及與相關監管機構共同探討發展方向的階段，而相關監管法例亦一直付之闕如，窒礙發展。
However on Fintech development the Special Administrative Region Government is still stuck in the state of conducting scientific research with the industry and jointly exploring the direction of development with the regulatory authorities concerned while relevant regulatory laws are yet to be put in place thus hindering the development
即使金融科技督導小組已成立差不多兩年，推動發展的建議亦不多，新法規亦是只聞樓梯響，令發展嚴重落後。
Even though the Steering Group on Financial Technologies has been established for almost two years there have been few proposals for promoting such development and the formulation of new laws and regulations has been all thunder but no rain . Consequently the development suffers a serious lag
為了提升銀行體系網絡安全的防禦能力，金管局於去年12月推出一項網絡防衞計劃，當中有3條支柱：網絡防衞評估框架、專業培訓計劃及網絡風險資訊共享平台。
To raise the resilience of the banking system in cyber security in December last year HKMA launched a Cybersecurity Fortification Initiative which consists of three pillars the Cyber Risk Assessment Framework the Professional Development Programme and the Cyber Intelligence Sharing Platform
事實上，這3條支柱已於去年年底全面推出。
As a matter of fact these three pillars were fully launched at the end of last year
金發局一直負責收集業界的意見，並向政府反映，其報告與我們的政策目標一致，很多在報告中提出的建議亦已經落實。
It has been FSDCs duty to collect the industry views and relay them to the Government . Its reports share the same objectives with our policies and many recommendations in the reports have been implemented
主席，今天這項主體質詢在開始時問及有關金融科技的排名，我認為這些排名如浮雲，結果才更為重要。
President the beginning part of this main question today asks about the ranking of Fintech . In my view such ranking is transient like the floating clouds . Only the results are important
儘管局長今天讀出多項政策，甚至過去兩年的施政報告亦提到今年和去年已進行各項工作，但我發覺在人才培訓方面的工作比較少。
Although the Secretary has read out various policies today and even though the policy addresses of the previous two years also mentioned that various tasks had been carried out this year and last I have noticed that little work has been done in manpower training
局長在主體答覆第二b部分中提到一些工作，局長說是培訓人才，但實際上是培育初創企業較多，我想教授也知道兩者是不同的。
The Secretary mentioned certain work in part 2b of the main reply which according to the Secretary is manpower training but actually it is more about nurturing start - ups . I guess the professor knows very well that the two are different
我的補充質詢是，究竟政府有甚麼計劃，例如透過大學課程、再培訓計劃或資助方式，令香港有足夠的金融科技人才？
I have this supplementary question . What actual plans does the Government have for cultivating sufficient Fintech talents in Hong Kong such as through university courses retraining programmes and provision of subsidies?
政府有何計劃協助培訓新人加入這行業，以及再培訓現有的人才呢？
What plans does the Government have to help nurture new talents to join this profession and retrain the existing talents?
代理主席，本人謹以議事規則委員會主席的身份，動議通過議程所載的擬議決議案，修訂《香港特別行政區立法會議事規則》，以落實立法會會議上鳴響點名表決鐘的臨時安排。
Deputy President in my capacity as Chairman of the Committee on Rules of Procedure CRoP I move that the proposed resolution on amending the Rules of Procedure of the Legislative Council of the Hong Kong Special Administrative Region RoP as printed on the Agenda be passed so as to formalize the interim arrangements relating to the ringing of the division bell at Council meetings
我現在向各位提出的待議議題是：謝偉俊議員動議的議案，予以通過。
I now propose the question to you and that is That the motion moved by Mr Paul TSE be passed
如果沒有，我現在向各位提出的待決議題是：謝偉俊議員動議的議案，予以通過。
If not I now put the question to you and that is That the motion moved by Mr Paul TSE be passed
主席，近年不少市民向財務公司借貸想解決財困，但卻跌入了一些不良財務中介公司的圈套，蒙受重大金錢損失。
President in recent years quite many members of the public who wish to borrow money from finance companies to resolve their financial difficulties have fallen into traps laid by unscrupulous financial intermediaries and suffered huge pecuniary losses
根據警方數字，由2013年起不足4年內，中介公司非法收取的中介費用就高達2億元，受害者每每都是小市民，亦有長者因此連自住物業也被收回。
According to the figures provided by the Police in less than four years since 2013 up to 200 million in intermediary fees have been unlawfully collected by intermediaries with all the victims being members of the ordinary masses . Some elderly victims have even seen their owner - occupied properties recovered as a result
社會對於這種非法詐騙行為當然零容忍，所以大家也同意需要加強規管，要斟酌的只是手法問題。
Certainly there is zero tolerance for such unlawful fraudulent acts in society . On this point everyone agrees that regulation has to be stepped up and the only issue needs to be considered further is the approach to be taken
雖然現行法例不容許中介公司向借貸人收費，但不良中介公司的招數五花八門，可能會把中介費融入貸款利息，又或是直接向借貸人收取現金，避免白紙黑字的紀錄，藉此逃過政府的追查，更有中介公司撇清與放債人的關係，成立專業服務公司提供"債務紓緩"和"結餘轉戶"服務，或是巧立名目地提供"微型破產"或"債務重組"等看似專業的服務，藉此收取高昂的所謂服務費而避開監管。
Although intermediaries are not permitted under the existing legislation to levy charges on borrowers unscrupulous intermediaries have all kinds of tactics . They might integrate intermediary fees into loan interests or receive cash from borrowers to avoid black - and - white records so as to evade being tracked down by the Government . What is more some intermediaries draw a line between them and money lenders by setting up professional services companies to provide debt relief and balance transfer services or seemingly professional services under various pretexts such as micro bankruptcy debt restructuring and so on with a view to collecting exorbitant service charges so to speak while evading regulation
正如今天議案也有指出，政府已在放債人牌照要求上增加了多項新規定，透過規管財務公司來加強規管中介公司。
As pointed out in the motion today the Government has imposed a number of new requirements on money lender licences and stepped up the regulation of intermediaries through the regulation of finance companies
例如，在新規定下，放債人必須確定其委任的中介公司不會向借款人收取任何費用或簽署任何協議，而且須以視像和錄音記錄，向借款人清楚解釋貸款協議的全部條款。
For instance under the new requirements money lenders must ensure that their appointed intermediaries will not levy any charges on or sign any agreements with borrowers . Moreover borrowers shall be given clear explanations of all clauses of their loan agreements and videos and recordings shall be made for such purposes
借款人如果透過中介公司借錢，就需要向放債人提供中介協議副本以作紀錄，放債人和中介公司的關係亦會被公開，公眾可以向放債人註冊處查閱有關紀錄。
Borrowers raising loans through intermediaries shall also provide money lenders with copies of the intermediaries agreements for record purposes . Moreover the relationship between money lenders and intermediaries shall be made open so that the public may inspect the relevant records at the Registrar of Money Lenders
這些措施既增加了放債人的責任，亦增加了借貸過程的透明度，防範不良中介公司和放債人合謀，讓警方可以就不法行為更容易舉證。
These measures can not only increase the responsibility of money lenders but also enhance the transparency of the borrowing process thereby preventing unscrupulous intermediaries from colluding with money lenders and thus making it easier for the Police to adduce evidence with respect to illegal practices
可是，這些新規定自去年12月實施至今不足3個月，原議案便把它形容為"治標不治本"，可能是有些操之過急。
Although it has been less than three months since the implementation of these new requirements in December last year they are described in the original motion probably with undue haste as being able to only treat the symptoms but not the root cause of the problem
事實上，當局亦承諾會在新規定實施後6個月作出檢討。
In fact the authorities have undertaken to conduct a review six months after the implementation of these new measures
故此，更審慎的做法應該是讓新規定執行一段合理時間後，才再觀察其成效，務求能以最省時、有效的方法打擊不良中介公司，並且避免病急亂投醫，徒勞一場。
Hence a more prudent approach should be to observe their effectiveness after the new requirements have been implemented for a reasonable period of time with a view to combating the unscrupulous intermediaries by the least time - consuming and most effective means as well as avoiding administering medication indiscriminately because of haste and ending in naught
例如，今天議案提出修訂《放債人條例》，將其監管範圍擴大至經營與放債相關業務的公司，以及設立財務中介牌照制度的建議，也是值得商榷的。
For instance the proposals put forward in the motion today for amending the Money Lenders Ordinance to expand its ambit of regulation to cover companies engaged in money lending - related business and to establish a licensing regime for intermediaries are open to question
撇開修例和引入新發牌制度需時而且較為複雜，其實現時《放債人條例》已明文禁制與放債人有關連的各方，以及與放債人共謀的人士向借款人收取任何費用，意味條例的規管範圍實際上已經涵蓋了中介公司。
Putting aside the fact that it is time - consuming and relatively complicated to amend the Ordinance and introduce a new licensing regime the existing Ordinance has already expressly prohibited various parties associated with money lenders as well as people colluding with money lenders from levying any fees on borrowers . This implies that the regulatory ambit of the Ordinance has practically covered intermediaries
況且，根據剛才提到的新規定，中介公司必須先得到財務公司的委任，並且受財務公司監察，不能向借款人收費或鑽空子制訂協議等，也顯示出現時的財務中介並非"無皇管"。
Furthermore according to the new requirements mentioned just now intermediaries must be appointed and regulated by finance companies and they are disallowed from levying charges on borrowers or exploiting loopholes by making agreements and so on . All this illustrates that intermediaries are currently not in no mans land
此外，有議案建議政府要求財務公司牌照申請人，必須備有一定的註冊資本，以及將營運者的操守納入發牌及續牌的考慮因素之內。
Besides the motion also proposes that the Government should require the applicant of licence for setting up a finance company to hold a specified amount of registered capital and make the operators conduct a factor for consideration in licence issuance and renewal
對於財務公司業的經營而言，這些誠然會是更加嚴厲的措施，但對於打擊不良中介公司的實際效用卻成疑。
For the operation of finance company business these requirements will admittedly become even more stringent . However their actual effectiveness of combating unscrupulous intermediaries is questionable
因為，財務公司的資本與騙案發生的機率並不存在直接關係，資金短缺亦非近年財務騙案發生的主因。
It is because the amount of capital held by finance companies is not in any direct way related to the probability of the occurrence of fraud cases . Neither is capital shortage a major factor leading to the occurrence of financial frauds in recent years
反之，如果有個案涉及刑事成分而須嚴厲處理時，現時執法機構也可以按《刑事罪行條例》及《盜竊罪條例》跟進處理，並未有需要落此重藥。
On the contrary if a case involves criminality and has to be dealt with in a more stringent manner the current enforcement agencies can also follow up and deal with it under the Crimes Ordinance and the Theft Ordinance . There is no need to administer such a heavy dose of medicine
當然，今天的議案亦提出了一些值得當局考慮的建議，包括把放債人業務及相關中介公司納入香港金融管理局監管範圍。
Certainly the motion today has made some proposals which are worth consideration such as the inclusion of the businesses of money lenders and the related intermediaries into the regulatory ambit of the Hong Kong Monetary Authority HKMA
因為，現時有數間信貸公司是由銀行持有，同時經營樓宇按揭業務，理論上應該受到金管局全面監管，需要遵守樓宇按揭成數的指引及進行還款壓力測試等，但以放債人牌照經營的信貸公司卻不受金管局監管。
Currently several credit companies are held by banks and they operate home mortgage business as well . In theory they should be fully regulated by HKMA observe guidelines on home mortgage percentages undergo stress tests on repayment ability and so on . However loan companies operating with money lender licences are not regulated by HKMA
這些身份重疊的情況，在監管上便會造成灰色地帶。
Owing to the overlapping of these identities a gray area will be created when it comes to regulation
如果當局把放債業務納入金管局的監管範圍，便應該有助解決問題。
The inclusion of the businesses of money lenders into the regulatory ambit of HKMA should help resolve this problem
此外，有修正案建議仿效現時保險業為保單持有人設立冷靜期，規定貸款協議亦須設有冷靜期條款，加強保障借款人，也是值得當局研究和跟進的。
Furthermore it is proposed in one of the amendments that like the cooling - off period currently provided by the insurance industry for policy holders cooling - off period provisions should also be made in loan agreements for enhanced protection for borrowers . This proposal is also worth study and follow - up
有3位議員要就這項議案動議修正案。
Three Members wish to move amendments to this motion
本會現在就議案及3項修正案進行合併辯論。
Council will now proceed to a joint debate on the motion and the three amendments
我會依次請要動議修正案的梁耀忠議員、胡志偉議員及梁繼昌議員發言；但他們在現階段不可動議修正案。
I will call upon Members who move the amendments to speak in the following order Mr LEUNG Yiu - chung Mr WU Chi - wai and Mr Kenneth LEUNG; but they may not move the amendments at this stage
主席，我首先感謝3位同事就我的議案提出修正案，當中不少是正面的修訂，反映了加強規管放債人及財務中介公司的要求得到本會跨黨派的支持和關注，我確實希望局長可以推行。
President first I would like to thank the three Honourable colleagues for proposing amendments to my motion . Many of the amendments are positive proposals reflecting that the stepping up of the regulation of money lenders and financial intermediaries is supported by and the concern of all political parties and groupings of this Council . I earnestly hope that the Secretary will implement them
就梁耀忠議員的修正案，他特別提到行業從業員的登記，這點我們是認同的。
As for Mr LEUNG Yiu - chungs amendment he made particular mention of establishing a registration system for practitioners in the industry and I agree with this
事實上，在我剛才提及我們在2015年9月推出的那份《加強監管放債及財務中介服務的策略建議》中，我們也有提及從業員登記制度。
In fact in the 加強監管放債及財務中介服務的策略建議 which I mentioned earlier we have also mentioned the registration system for practitioners
我們亦有提到胡志偉議員提出的設立貸款協議冷靜期的部分，所以我會贊同兩位議員的修正案。
We have also proposed the inclusion of a cooling - off period in loan agreements as proposed by Mr WU Chi - wai . Therefore we will support the amendments of these two Members
不過，對於梁繼昌議員的修正案，特別是刪去議案中"落實"中介人發牌的制度而改為"研究"，我們認為現時的問題是必須解決的。
However as regards Mr Kenneth LEUNGs amendment particularly on deleting to implement the establishment of a licensing regime and replacing it with explore we consider the existing problems must be solved
我剛才聽到多位同事質疑是否有需要設有中介公司，我想指出，當我在數年前接觸這些個案時，特別是當我聽到向晴軒的社工向我們表達要設立中介人發牌制度時，我也懷疑究竟是否要有中介。
I have heard many colleagues query the need for the existence of intermediaries . I would like to point out that when I came across those cases a few years ago particularly when I heard social workers from the Caritas Family Crisis Support Centre urge for the establishment of a licensing system for intermediaries I also doubted the need for the existence of intermediaries
不過， 當我接觸這個行業後，我便發現原來已有正常的中介機構、中介公司存在。
However since I started to come into contact with the industry I discovered that many normal intermediary institutions and intermediary companies are in operation
既然現在已有這些機構和公司，但我們卻不設立發牌制度，致令一些不法分子走法律罅來行騙，我們是否要這樣呢？
Given that these institutions and companies are in operation yet we do not establish a licensing regime certain illegal elements have taken the advantage of loopholes in law to commit fraud . Do we want it this way?
因此，我希望政府和局長作出正面回應。
Hence I hope that the Government and the Secretary will give a positive response
此外，我都想提出，各項修正案其實豐富了我原議案的建議。
Moreover I would like to point out that the various amendments have actually enriched the proposals in my original motion
不過，在原議案中，我除了提及中介人的發牌制度外，也特別在第二項提到有關控制、監管放債人公司的經營。
However in the original motion apart from the licensing regime for financial intermediaries I have specially mentioned in point 2 control and regulation of the operation of money - lending companies . In fact will Members please look at the figures
我們亦曾接觸香港那些正當的財務中介公司，他們也是同意的。
We have also contacted the law - abiding financial intermediary companies in Hong Kong and they also agree with the proposal
他們自行推行一些行業守則，更自願推行一些行業從業員的操守守則。
They will introduce some code of practice for the industry of their own accord and they will voluntarily introduce some rules of practices for practitioners in the industry