Borrison/hk-legicost huggingface dataset:
主席，我動議二讀秘書剛讀出的新訂條文。
Chairman I move the Second Reading of the new clauses just read out by the Clerk
第1至109條。
Clauses 1 to 109
財經事務及庫務局局長會動議修正案，旨在修正第1、19、34、54、72、101、102及104條，以及增補新訂的第64A條。
The Secretary for Financial Services and the Treasury will move amendments which seek to amend Clauses 1 19 34 54 72 101 102 and 104 and add new clause 64A
財經事務及庫務局局長會動議修正案，旨在修正第7、8、12、14、19、30、42、60、85、90、101、113、117、124、135及136條，以及增補新訂的第117A及142A條。
The Secretary for Financial Services and the Treasury will move amendments which seek to amend clauses 7 8 12 14 19 30 42 60 85 90 101 113 117 124 135 and 136 and add new clauses 117A and 142A
政府當局強調今次有關會計行業的監管改革，將規管權力賦予獨立於業界的財務匯報局)，目的是要確保公正持平，是國際會計專業的規管大趨勢。
The Administration has stressed that in this regulatory reform relating to the accounting profession the objective of vesting regulatory powers with the Financial Reporting Council FRC which is independent from the trade is to ensure impartiality . It is the major international trend on accounting profession regulation
而且，這項改革採用循序漸進的方式進行，自財匯局成立時，已有相關的計劃，政府亦已完成大量的諮詢工作。
Moreover this reform will be carried out under a step - by - step approach . The relevant plan has been in place since the establishment of FRC and the Government has completed extensive consultation work
當然，會計業界曾表達一些憂慮，但經過政府的解說後，我留意到法案委員會的委員普遍支持《條例草案》。
Of course the accounting profession has expressed some concerns but as I have noted members of the Bills Committee in general support the Bill after the Governments explanation
事實上，財匯局目前的功能只是監管香港上市公司的核數師，其他核數師則由香港會計師公會監察。
As a matter of fact the present function of FRC is simply to exercise regulation over the auditors of Hong Kong listed companies while other auditors are monitored by the Hong Kong Institute of Certified Public Accountants HKICPA
相信政府希望財匯局可以取得國際上獨立審計監管機構組織的資格，該局屬獨立機構，要全面參與會計行業的監管，才有機會獲得國際承認本港的相關監管制度。
I believe the Government hopes that FRC can become qualified as an independent audit regulator in the international arena . As an independent body FRC has to participate fully in the regulation of the accounting profession before there will be the chance for Hong Kongs relevant regulatory regime to gain international recognition
現時全球有很多先進經濟體均屬於國際獨立審計監管組織的成員，包括紐約、倫敦、東京、法蘭克福、盧森堡丶巴黎、新加坡及悉尼等，但香港仍未符合資格，仍然無法令該等地區承認我們的核數制度。
At present many advanced economies in the world are members of the International Forum of Independent Audit Regulators including New York London Tokyo Frankfurt Luxembourg Paris Singapore and Sydney but Hong Kong is not yet qualified . Our audit regime is still unable to gain recognition from these jurisdictions
這次改革賦權財匯局向會計師發出執業證書及處理會計師事務所的法團註冊；擴大財匯局對核數師的查察、調查和紀律處分的權力；以及擴大財匯局的監督權力，以涵蓋會計師公會原有的職能，包括考試、資格互認、持續發展要求和培訓等，將向取得國際認可邁出重要一步。
This reform empowers FRC to issue practising certificates to certified public accountants CPAs and process the registration of CPA firms and corporate practices; expand FRCs powers of inspection investigation and discipline over auditors; and expand FRCs oversight powers to cover HKICPAs original functions including examinations mutual recognition of qualifications continuing development requirements and training . It is a significant step towards receiving international recognition
對於《條例草案》，我關注其過渡安排及擬議改革的實施細節，由於主體法例沒有清晰表明法例的生效日期及細節，要待明年政府提交附屬法例時才能明確，在審議時，委員曾經要求當局提供條例生效的總體時間表，包括新制度開始實施的大概日期，以及規管權力由會計師公會轉移至會財局的過渡安排等。
Regarding the Bill I am concerned about the transitional arrangements and implementation details of the proposed reform . As the commencement date and details of the legislation are not expressly provided in the primary legislation and will not be confirmed until the Government tables the subsidiary legislation next year members have requested the Administration during the scrutiny to provide a general timetable for the commencement of the legislation including an approximate commencement date of the new regime and transitional arrangements for the transfer of regulatory powers from HKICPA to AFRC
當局解釋將盡快在明年向立法會提交相關附屬法例，財匯局現時制訂指引和處理其他行政工作後，會與會計師公會制訂合作機制。
The Administration has explained that the relevant subsidiary legislation will be tabled to the Legislative Council as soon as possible next year . After formulating the guidelines and handling other administrative work currently in progress FRC will develop a cooperation mechanism with HKICPA
待該等籌備工作均完成後，新制度方會正式開始實施。
The new regime will formally commence when all such preparatory work is completed
此外，我亦曾在會議上提問，將來由會財局向會計師發出執業證書，須符合"適當人選"的準則才能發牌和續牌，但原法例並無提及由何方釐定準則，當時條文亦沒有清晰賦權會財局訂定會計師持續發展要求的內容，包括考核測驗標準及持續專業進修的時數等。
In addition I have raised the following question at the meeting in the future when FRC is responsible for the issue of practising certificates to CPAs the application for and renewal of the practising certificate shall meet the requirement that the applicant is a fit and proper person . However the original legislation did not mention by whom such criteria would be set . Neither did the provisions at that time explicitly empower AFRC to determine the particulars of the continuing development requirements for CPAs including assessment and testing standards and the number of hours of continuing professional development
這些疑問，幸好當局後來在會議上均已逐一澄清。
I am thankful that these queries have been clarified one by one by the Administration subsequently at the meeting
對於會財局擴權的建議，我亦留意到外間有很多良性建議，當中莊太量教授的—篇文章很有見地，首先，他認為財匯局應該改名為"核數師監管委員會"，簡單易明地顯示其功能。
Regarding the proposed expansion of AFRCs powers I have also noted many good suggestions outside . Among them an article written by Prof Terence CHONG is very insightful . Firstly he opines that FRC should be renamed as Auditors Regulatory Committee to indicate its functions in a simple and straightforward manner
相對於現時改名為會財局，他的建議似乎更加貼地。
Compared with the present proposal of renaming it as AFRC his suggestion seems more down - to - earth
其次是財政安排，現時基於用者自付原則，會財局的資金來源是證監會、會計師公會、港交所和公司註冊處。
The second point is about the financial arrangements . At present based on the user - pay principle FRCs sources of funds are the Securities and Futures Commission HKICPA Hong Kong Exchanges and Clearing Limited and the Companies Registry
莊教授認為，作為一個監管機構，沒理由向被監管的對象收取資金，擔心存在角色衝突，建議直接由政府撥款。
Prof CHONG finds it unreasonable for a regulator to be funded by its regulatees . Worried about the presence of a role conflict he proposed direct allocation of funds by the Government
就此，我在法案委員會上也曾提出類似觀點，就是向被監管的對象收取罰款是否適當。
In this regard I have raised a similar viewpoint in the Bills Committee on whether it is appropriate to collect fines from the regulatees
可是，以銀行業而言，金管局也同樣向銀行收取監管費用，所以我知道是難以動搖現時這個機制。
However in the case of the banking industry the Hong Kong Monetary Authority also charges the banks a regulatory fee . So I know it is hard to change the existing mechanism
他亦提出了有關非本地核數師的監管問題。
He has also brought up the issue of regulation over non - local auditors
會財局將來如果具備國際認可資格，可以與其他同樣具備資格的國家互簽協議，互相監察。
In the future if AFRC has internationally recognized qualifications it may enter into mutual agreements with other jurisdictions with similar qualifications and monitor each other
可是，如果內地公司在香港上市，則會由內地核數師負責，這樣會財局便會難以監察，不論是由會計師公會或會財局負責，都同樣難以監管內地核數師。
However Mainland companies listed in Hong Kong are under the purview of Mainland auditors . Such being the case it will be difficult for AFRC to exercise regulation . It will be difficult be it for HKICPA or AFRC to monitor Mainland auditors
所以，希望會財局首先取得國際資格，其後，長遠而言應考慮加強內地與香港兩地的互相監察。
Hence it is hoped that AFRC will first obtain international qualifications . After that in the long run consideration should be given to strengthening mutual monitoring between the Mainland and Hong Kong
此外，前會計界立法會代表梁繼昌先生也在報章上發表建議，他提出了數點，包括：在會計師公會的大部分調查和紀律職能歸入會財局的過渡階段，應該研究成立—個工作組，確保順利過渡和無縫交接；會財局未來的監管方式應該提高行業標準和保護公眾利益，會計行業 不應處於比以前更加繁重和敵對的監管環境中；最後，他指出現時會計師公會的調查人員有充足的相關經驗，呼籲會財局在招聘時應予以考慮。
In addition Mr Kenneth LEUNG the former representative of the accountancy constituency in the Legislative Council has put forward his advice in the newspaper . He has raised a few points including the proposal that a study should be conducted on the establishment of a working group at the transitional stage when most of the investigative and disciplinary functions of HKICPA are transferred to AFRC so as to ensure smooth transition and seamless handover . The future regulatory approach of AFRC should raise the standards of the profession and protect public interest and the accounting profession should not be placed in a regulatory environment which is more onerous and hostile than before
上述兩位的觀點，我覺得也有值得參考之處，雖然有部分已在會議上討論過，但我想再次呼籲政府聆聽和考慮。
The propositions of these two people in my opinion can well serve as reference . Although some of them have already been discussed at our meeting I wish to call on the Government again to pay heed to them
代理主席，我感謝法案委員會主席黃定光議員、各位委員，以及立法會秘書處和法律顧問的努力，令《2021年強制性公積金計劃條例草案》的審議工作得以順利完成，今日可以恢復二讀。
Deputy President I would like to thank the Chairman of the Bills Committee Mr WONG Ting - kwong members of the Bills Committee as well as the Legislative Council Secretariat and the Legal Adviser for their efforts which have enabled the smooth completion of the scrutiny of the Mandatory Provident Fund Schemes Amendment Bill 2021 the Bill and the resumption of its Second Reading today
我亦感謝業界在過程中提出很多意見。
I am also grateful to the industry for putting forward many views during the process
《條例草案》的目的，是藉修訂《強制性公積金計劃條例》及相關法例，為"積金易"平台的推展提供穩健的法律基礎。
The objective of the Bill is to amend the Mandatory Provident Fund Schemes Ordinance MPFSO and the relevant laws providing sound legal backing for the implementation of the eMPF Platform
"積金易"平台將現時分散於不同強制性公積金受託人的計劃管理工作集中處理，透過把程序標準化、精簡化和自動化，並在規模經濟效益和數碼化的帶動下，提升強積金制度的運作效益和成本效益，從而創造減費空間及更佳的用戶體驗。
The eMPF Platform will centralize the scheme administration process scattered in different Mandatory Provident Fund MPF trustees so that with the standardization streamlining and automation of the processes and given the drive of the economies of scale and digitalization the operational efficiency and cost effectiveness of the eMPF Platform will be enhanced thereby creating room for fee reduction and better user experience
作為金融界一項重要的基礎建設，"積金易"平台將以非牟利及收回成本的原則運作，透過"一站式"的用戶介面及操作平台，為強積金計劃成員、僱主、自僱人士及業界帶來多方面實質及持久的裨益。
As an important infrastructure for the financial sector the eMPF Platform will operate under the principles of cost - recovery and non - profit - making . It will be a one - stop user interface and operation platform which brings tangible and sustainable benefits to MPF scheme members employers self - employed persons and the industry in various aspects
首先是訂明"積金易"平台的運作框架和強制使用。
First it provides for the operating framework and mandatory use of the eMPF Platform
我們將藉於憲報刊登的公告，指定"積金易"平台為註冊 強積金計劃核准受託人必須使用的系統，以履行其計劃管理職能。
We will by notice published in the Gazette stipulate the mandatory use of the eMPF Platform by approved trustees of registered MPF schemes to conduct their scheme administration functions
我們亦將於公告中訂明各個受託人和相關強積金計劃開始使用"積金易"平台的日期，確保目前27個由13個受託人管理的強積金計劃能有序遷移至"積金易"平台。
We will specify in the notice the commencement date of the use of the eMPF Platform by various trustees and relevant MPF schemes ensuing the orderly migration of the 27 MPF schemes currently managed by the 13 trustees to the eMPF Platform
第二方面是制訂有關"積金易"平台的收費管控。
The second aspect is the introduction of a fee control mechanism on the eMPF Platform
"積金易"平台所減省下來的一分一毫在點滴累積及長期滾存下，對計劃成員的儲蓄增值均非常重要。
Every penny saved and accumulated over time under the eMPF Platform matters much to the savings growth of scheme members
因此，我們會確保減省的成本可直接轉移予計劃成員，我們建議在"積金易"平台推行後，實施兩項法定規定： 一 規定受託人未來不得收取高於"積金易"平台收費的計劃行政費，以便減省的成本，即現時受託人向計劃成員收取的行政費與日後較現時低的平台收費的差額，會"直接轉移"予計劃成員，讓其受惠； 二 規定減省的成本要全數反映在強積金基金的整體開支比率上，確保整體收費有相應幅度的減幅。
Hence we will ensure that cost savings will be passed directly to scheme members . We propose to impose two statutory requirements following the implementation of the eMPF Platform 1 stipulating that trustees should not charge scheme administration fees higher than those charged by the eMPF Platform in the future in order to save cost which means that the difference between the existing scheme administration fee charged by the trustee on scheme members and the lower eMPF Platform fee payable by trustee in the future will benefit scheme members under the straight pass - on requirement; 2 stipulating that cost savings must be reflected in full in the overall Fund Expense Ratio FER of the MPF funds with a view to ensuring corresponding reduction in the overall fees
《條例草案》第三個重點是有關不同執行單位的角色和責任。
The third key feature of the Bill concerns the role and responsibilities of different enforcement units
根據《條例草案》的條文，強制性公積金計劃管理局將負責監督"積金易"平台及積金易平台有限公司的運作；平台公司作為積金局全資擁有的附屬公司及《條例草案》中的"指明實體"及"系統營運者"，將負責管理和營運"積金易"平台；至於受託人，則繼續對計劃成員肩負受信責任，以及須按公告要求必須使用"積金易"平台。
According to the provisions of the Bill the Mandatory Provident Fund Schemes Authority MPFA will be responsible for overseeing the operation of the eMPF Platform and the eMPF Platform Company Limited . The Platform Company a wholly owned subsidiary of MPFA which is the specified entity and system operator under the Bill will be responsible for the management and operation of the eMPF Platform . As for trustees they will still owe fiduciary duties to scheme members and must use the eMPF Platform as required by the notice
目前積金局與受託人之間的監管關係並不會因"積金易"平台的運作而改變，至於平台公司與受託人的關係、責任和工作細節，則會詳列於由平台公司制訂及積金局批准的運作守則，以及平台公司與受託人簽訂的營運協議。
The implementation of the eMPF Platform will not affect the existing regulatory relationship between MPFA and the trustees . The relationship between the Platform Company and the trustees as well as their responsibilities and details of work will be clearly set out in the Operating Rules formulated by the Platform Company and approved by MPFA and the operating agreement to be signed between the Platform Company and the trustees
積金局及平台公司將與業界磋商具體細節，包括落實各項收費管控及執法政策，以確定"積金易"平台得以順暢地過渡和運作。
MPFA and the Platform Company will discuss with the industry the specific details including the implementation of various fee control and enforcement policies to ensure the smooth transition and operation of the eMPF Platform
第四方面是精簡工作流程。
The fourth aspect is the streamlining of workflow
隨着"積金易"平台的實施，受託人的計劃管理職能將會由平台統一執行。
With the implementation of the eMPF Platform the scheme administration functions of trustees will be performed centrally via the Platform
《強積金計劃條例》及相關附屬法例的一些現有條文將會作出修訂，以反映經"積金易"平台精簡或自動化的計劃管理工作，例如查核和計算供款、追討拖欠款項、轉移和提取累算權益，以及發出通知和文件等。
Certain existing provisions of MPFSO and related subsidiary legislation will be amended to reflect the streamlined or automated scheme administration workflow via the eMPF Platform such as contribution checking and calculation default contribution recovery; transfer and withdrawal of accrued benefits of scheme members and issuing notices and documents etc
最後是屬於其他項目方面的修訂，包括在檢討預設投資策略成分基金現行的開支上限後，把當中的實付開支法定上限由每年0.2%調低至0.1%、修訂有關積金局副主席的委任安排等。
Lastly there are amendments in other aspects including lowering the statutory fee cap on out - of - pocket expenses from 0.2 % to 0.1 % per annum following a review of the existing statutory fee cap for the Default Investment Strategy DIS constituent funds and revising the appointment arrangements of the deputy chairperson of MPFA
法案委員會經過3次會議後完成審議《條例草案》。
The Bills Committee completed the scrutiny of the Bill after three meetings
法案委員會支持《條例草案》的政策目標及內容。
The Bills Committee supports the policy objectives and contents of the Bill
我們亦已就委員提出的事項，包括積金局監督平台公司的權責、受託人的責任、平台運作後的減費空間等作出詳細說明。
We have also offered detailed explanation on the issues raised by members including the powers and responsibilities of MPFA in overseeing the Platform Company the responsibilities of trustees the room for fee reduction after the platform has come into operation and so on
積金局作為平台公司的控權機構和唯一股東，將會負責監督子公司的工作，並須維持"積金易"平台的系統完整和有效運作，以及確保在發現重大問題時採取補救行動，包括向平台公司發出指示。
MPFA as the holding entity and sole shareholder of the Platform Company will be responsible for overseeing the Platform Company safeguarding system integrity and effective operation of the eMPF Platform and ensuring that the Platform Company will take timely remedial actions including giving direction to the Platform Company when major deficiencies are identified
平台公司本身的《組織章程》和企業管治守則載列其公共職能及權力，而公司的運作將由積金局、政府代表及不同業界專家組成及經財政司司長同意的董事局監督。
The public functions and powers of the Platform Company are set out in its own Articles of Association and corporate governance code whereas the operation of the Platform Company will be overseen by the Board of Directors with representatives from MPFA and the Government and experts from the industry which has the consent of the Financial Secretary
積金局將維持其現有的監管角色，如平台公司發現涉嫌違反強積金法例或運作守則的情況，將轉交個案予積金局作跟進或調查。委員亦關注受託人的責任。
MPFA will continue to perform its oversight role and suspected cases of non - compliance identified by the Platform Company will be referred to MPFA for follow - up or investigation Members have also expressed concern about the responsibilities of trustees
受託人在"積金易"平台運作後仍須對其計劃成員肩負現行法律下的受信責任，並負責與管理強積金計劃有關的法定要求和刑責。
Trustees will still owe fiduciary duties to their scheme members under existing legislation and remain responsible for the statutory requirements and criminal liabilities with respect to the administration of MPF schemes upon the implementation of the eMPF Platform
考慮到日後計劃管理工作將由平台公司具體執行，《條例草案》包含了"安全港"條文，為受託人提供保障：如果受託人違反《強積金條例》或《強制性公積金計劃規例》等規定的唯一原因是因為系統營運者執行其職責時的過失所致，受託人可獲法定免責辯護，積金局亦不會對受託人施加罰款。
Taking into account the fact that the scheme administration work will be undertaken by the Platform Company in the future the Bill has included safe harbour provisions to protect trustees so that if trustees 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 to perform its duties they will be entitled to a statutory defence and MPFA will not impose financial penalty on them
積金局會根據既定的執法政策和程序，審視所有相關事實及情況，包括涉嫌違規的根本原因，以及受託人與系統營運者各自的參與程度，確保每宗個案均會經過全面及公正的調查和審核，才採取合適的執法行動。
MPFA will examine all relevant facts and circumstances including the root cause of the suspected breach and the respective involvement of a trustee and the system operator according to the enforcement policy and procedures and ensure that every case will be investigated and examined in a comprehensive and fair manner before taking suitable enforcement action
此外，不少議員都關注"積金易"平台實施後的減費幅度。
Moreover many Members are concerned about the extent of fee reduction after the implementation of the MPF System
推行"積金易"平台後，我們估計以首兩年過渡期建議收取的30至40基點平台費計算，並實施有關平台收費的兩道關卡後，將可令平均行政費下跌約三成，整體基金開支比率則下跌一成多，當中俗稱"懶人基金"的預設投資策略成分基金亦包括在內。
After the implementation of the eMPF Platform we estimate that with the proposed platform fee level of 30 to 40 basis points for the first two years of the transition period and the imposition of two barriers on platform fee the average scheme administration fee will drop by about 30 % and the overall FER will drop by more than 10 % including that of DIS constituent funds which are commonly known as lazybones funds
"積金易"平台運作10年後可量化的累計節省成本總額預計達300億元至400億元，為計劃成員帶來實質好處，業界也可受惠於在提升運作效率及減輕行政和合規負擔方面的效益。
It is estimated that after the eMPF Platform has been operated for 10 years the total quantifiable cumulative cost savings will amount to 30 billion to 40 billion . This will bring tangible benefits to scheme members and benefit the industry in terms of enhanced operational efficiency and reduced administrative and compliance burden
今早都聽到很多位議員的意見。
We have heard the views of many Members this morning
對於強積金的意見，包括負面的意見，我們是接受的。因為有負面意見才有進步的空間，有不同的聲音我們才能不斷去改善。
We accept the views on MPF including the negative ones for negative opinions create room for improvement and different voices bring about constant enhancement
看看今日的現況，其實我們在萬多億元的總資產中有超過三成半，即近4,400億元為扣除收費和費用後的淨投資回報，年率化回報達4.8%。
Looking at the current situation today in fact more than 35 % of our total assets of over 1,000 billion that is nearly 440 billion are net investment returns after deduction of fees and charges with an annualized return of 4.8 %
當然，正如剛才多位議員所說，今次的改革是重要的，讓我們知道下一步，在此情況下怎樣進一步做得更加好、更加多。
Of course as many Members have just said this reform is important as it let us know the next step and how to do better under these circumstances
剛才都聽到另一個意見，就是如何讓投資者或強積金用戶有多些選擇。
We have also heard another opinion just now that is how to provide investors or MPF users with more choices
其實，正如剛才謝議員所指，我們最近也希望引入國債及政策性銀行的債券。
In fact as Mr TSE pointed out just now we wish to introduce sovereign bonds and policy bank bonds recently
另一方面，是如何可以令強積金用戶更加清楚其戶口內有甚麼，當中李議員、好幾位議員和陸議員也有很多個人的經歷，我自己亦有一些個人的經歷，所以今次我們在修訂中希望提升透明度及披露信息，令普通的"打工仔"可以更容易掌握這些信息，在日後運用或理解時也更清楚。
On the other hand it is about how to help MPF users to know their own accounts better . Ms LEE several Members and Mr LUK also have a lot of personal experience and I myself also have some personal experience . Hence we want to enhance transparency and disclosure of information in this amendment exercise so that wage earners in general may grasp such information more easily and have a clearer understanding when they making use and making sense of it in the future
就此方面，我們就強積金的工作是責無旁貸的，會繼續強化與市場溝通、與業界溝通，以及與市民溝通的工作，令大家對強積金的好處、強積金的用途及強積金的內容更清晰。
In this connection we are duty - bound to carry out work on MPF and will continue to strengthen our communication with the market the industry and the public so that people can better understand the benefits uses and contents of MPF
另一個更長遠的，剛才陸議員亦有提到，為何政府不考慮設立一個保本並與通脹掛鈎，甚至是可以潛在能夠跑贏通脹的保證基金？
Another issue of a longer - term which Mr LUK has also mentioned earlier is why the Government has not considered setting up a guaranteed fund an inflation - linked capital - preservation fund which even has the potential to outperform inflation
但是，目前我們的重中之重，最重要的目標，仍是先做好"積金易"平台。
However our top priority and most important task at this point is to implement the eMPF Platform properly
正如陸議員剛才所說，這是一個結構性的調整，亦是一個結構性的改革，令現時分散在10多個信託人的系統得以統一起來，讓我們日後在很多方面的變革或很多方面的工作得以繼續進行。
As Mr LUK has just said this is a structural adjustment and a structural reform that will consolidate the systems currently scattered among a dozen trustees enabling us to carry out reform or work on various fronts in the future
另一方面，正如剛才鍾議員亦有提到，是他回應張議員的論點，即關於預設投資策略成分基金的情況。
On the other hand as mentioned by Mr CHUNG earlier he was responding to Mr CHEUNGs point about the situation of DIS constituent funds
其實，預設投資策略成分基金同樣需要遵守現時新訂立的減費要求，因為其現時的管理費當中亦包括行政費，所以即使現時0.75%的管理費上限沒有減少，但其中行政費的部分也因現時訂立的兩個框架、兩個關卡而需要有所下調。
In fact DIS constituent funds also need to comply with the new fee reduction requirements for their current management fees also include administration fees . Therefore even though the current management fee cap of 0.75 % has not been lowered the administration fee component has to be adjusted downward given the two frameworks or two barriers imposed currently
所以，之後我們亦會留意"積金易"平台推出後的情況，檢視下一步有沒有需要將0.75%的管理費上限再作調整。
Hence we will keep an eye on the situation after the eMPF Platform is introduced and review whether it is necessary to further adjust the 0.75 % management fee cap
為釐清政策原意及加強"積金易"平台的資訊透明度，政府將對《條例草案》提出修正案，當中包括我剛才介紹陸議員提出的建議。
In order to clarify the policy intent and to enhance the information transparency of information on the eMPF Platform the Government will propose amendments to the Bill including those proposed by Mr LUK to which I referred just now
我會在稍後全體委員會審議階段詳加解釋。
I will explain in detail at the Committee stage later
主席，"積金易"平台是強積金制度於2000年12月運作至今最重要的改革。
President the eMPF Platform is the most important reform of the MPF system since its operation in December 2000
平台將重塑目前強積金制度分散的計劃行政工作，並通過創新的數碼方案精簡和便利的行政流程和日常操作，以一站式、無紙化及以用家為本的理念，為所有持份者帶來更簡單、高效及便捷的強積金體驗，可望解決強積金制度多年來為人詬病的"高行政費及無效率"的情況。
The platform will reshape the current fragmented scheme administration work under the MPF system and streamline and facilitate the administration workflow and daily operations through innovative digital solutions bringing a simpler more efficient and convenient MPF experience to all stakeholders under a one - stop paperless and user - oriented concept . It is hoped that this will resolve the problems of high administration fees and inefficiency for which the MPF system have been criticized over the years
《條例草案》是推行"積金易"平台及完善強積金制度的一個主要里程碑，在法案委員會及眾多議員的支持下，我懇請立法會予以通過。
The Bill is a key milestone in implementing the eMPF Platform and improving the MPF System . With the support of the Bills Committee and many Members I urge the Legislative Council to pass the Bill