Borrison/hk-legicost huggingface dataset:
第二，監管如果這麼鬆懈的話，舉例這間聲譽不好，關閉它，改另一個名，再繳交8,800元及少於2,000元，又是另一間。
The intermediaries will handle it . This is the first point . Second under such lenient supervision if the reputation of a money lender is not good for example one can close it down change the name pay 8,800 and less than 2,000 and open a new one
這個做法長此下去，即像"貓捉老鼠，捉不完"。
This practice in the long run is never - ending just like a cat - and - mouse game
第二，如果放債人一直透過中介公司和"艇仔"找生意的話，不規管中介公司、中介人是解決不到問題的。
Secondly if money lenders keep looking for clients through intermediaries the problems cannot be solved without regulating agencies and intermediaries
政府早前回應表示難以做到，因為如果規管它的話，即是將它合法化。
The Government earlier responded that it was difficult to do so because that would mean legalizing them
這有點"斬腳趾避沙蟲"，即我沒有方法應付這些人，倒不如閉上眼睛"無眼屎乾淨盲"。
This is trimming the toes to fit the shoes there is no way to deal with these people so just turn a blind eye to them
若然如此，你明知這事無法規管，反而訂立一個空洞的所謂條件，是解決不到問題的。
If it is known that this matter cannot be regulated setting a hollow so - called condition is not a solution to the problem
相對於香港生意額數以萬億元計的其他財務機構，這可能微不足道，你可以說它是一個很細的行業。
The volume of business may be insignificant compared to the hundreds of billion dollars of turnover of other financial institutions in Hong Kong . It may be a tiny industry
但是，最令我們難過的是它們涉及最多基層受害人，因為一般大型銀行的生意對象一定不是這些居住於屋邨、"劏房"、最低收入的人士。
However what saddens us the most is that the victims involved are mostly grass roots since those who live in public housing or subdivided units with the lowest income are not necessarily the business targets of sizable banks in general
老實說，如果他們很容易向銀行或大型金融機構借貸的話，也無須找這些中介。
Frankly if these people can easily borrow money from banks or sizable financial institutions they need not go to the intermediaries
不過，我希望即使不是立即在本屆政府任期至7月之前完成，局長可不可以都走前一步，例如就中介人規管進行初步諮詢或訂立框架，訂明一些立法條件和可行的方法，如何監管、如何訂定中介人守則，是否需要經過考核，或者有何發牌條件等。
But even if work cannot be completed by July within the current - term Government I hope that the Secretary can still take a step forward by for instance conducting preliminary consultation or developing a framework to set out some conditions for legislation or feasible methods the manner of regulation the formulation of codes for intermediaries and whether evaluation is necessary or what licensing conditions should be imposed
老實說，大部分這些經營者可能跟黑社會或有勢力人士有關係，因為我和你追不到數，但他們淋紅油的話就一定追到數。
Frankly most of these operators may be related to triads or powerful people . We may not be able to recover any debts but they can surely do so by splashing red paint
所以，大家都知道這些人有勢力人士會害怕政府監管。
We all know that these powerful people are afraid of the Governments regulation
如果政府訂下監管，亦透過其他執法部門，特別是警察，訂立一個很嚴謹的制度，令他無路可逃的話，我相信更有效。
I believe it will be more effective if the Government imposes regulation and establishes a very stringent system through law enforcement agencies in particular the Police so that there is no way to escape
但是，長遠來說，這麼寬鬆的《放債人條例》，一個這麼低的門檻，只會引來更多不法之徒謀取利潤。
In the long term such a lenient Money Lenders Ordinance and such a low threshold will only attract unlawful elements to make profits
邵家臻議員，請放下你擺設的展示品。
Mr SHIU Ka - chun please put down your exhibit
因此，這種一條龍服務是政府一手造成的，亦是署理局長或其前任一直以來造成的。
Hence the Government is the prime culprit of this kind of one - stop service whereas the Acting Secretary or his predecessor also has a part to play
老實說，我也要指責那些"英國佬"，因為在1980年代有一位名叫戴卓爾的人，推行新自由主義改革，要削減官僚制度，提高成本效益，遂推出了外判制度。
Honestly I have to blame the Brits for this . For in the 1980s there was this woman called Margaret THATCHER who introduced the neo - liberalism reform . She wanted to cut down the bureaucratic establishment to increase its cost - effectiveness and thus implemented the outsourcing system
事實上，我們一直要求建築商取消外判安排，要直接僱用工人，確保所有承建商不能逃避責任，尤其是現時取得數百億元工程，一同來"搵食"的華資、中資、中國建築等這類"食大茶飯的大鱷"。
In fact we have been urging construction contractors to abolish the outsourcing arrangement and employ workers direct . For this can ensure that all contractors cannot shirk their responsibility particularly for those which have obtained projects valued at tens of billion dollars that is Chinese companies China - affiliated companies and China construction companies coming here to reap profits just like big predators targeting a great meal
可是，政府沒有這樣做，反而牽頭成為元兇，將外判制度用作政府推卻責任最美麗的藉口和方法。
However the Government has not done so . It on the contrary takes the lead to play the main culprit using the outsourcing system as the most beautiful excuse and method to shirk its responsibilities
每一屆政府都滿口仁義道德，我肯定稍後5位特首參選人也只會說一些無關痛癢的話，但我希望下屆政府，不論由誰領導，最重要是取消外判制度，讓所有基層勞工得到稍為公平的對待，這目標應由政府做起，政府不應帶頭做壞榜樣，剝削員工。
The Government of each and every term has boasted about kindness and righteousness and I am sure the five aspirants in the Chief Executive election will only give some irrelevant talks later . Yet I hope the next Government no matter who will be the head will abolish the outsourcing system which I consider the most import task so that all grass - roots workers will receive slightly fairer treatment . The Government should take the lead to achieve this target rather than setting a bad example of exploiting workers
代理主席，外判制度一般指機構將某些工序判予其他私營機構負責，以便更靈活及有效地運用資源。
Deputy President the outsourcing system generally refers to the outsourcing of certain processes of organizations to other private organizations so as to enhance flexibility and effectiveness in the use of resources
外國大企業於1970年代至1980年代開始流行把工作外判，當時英國的執政保守黨亦傾向將工作外判，以增加政府部門的成本效益。
The outsourcing practice has become a popular trend among large enterprises overseas since the 1970s and 1980s . At that time the ruling Conservative Party of the United Kingdom also tended to use outsourcing as a means to raise the cost - effectiveness of government departments
香港亦跟隨有關步伐，逐步引入這種制度，如房屋署在1987年開始透過外判讓私人企業提供清潔、維修等服務。
Hong Kong has also followed suit and gradually introduced such a system . For example in 1987 the Housing Department started to engage private enterprises to provide such services as cleaning and maintenance through outsourcing
至1990年代，為配合政府的"大市場、小政府"政策，外判服務才開始大行其道。
It was only until the 1990s that service outsourcing started to grow in prevalence to cope with the Governments policy of big market small government
然而，對於議案中將在職貧窮和貧富懸殊的問題歸咎於外判制度，包括認為服務外判令僱員薪酬和權益受壓榨剝削等，自由黨絕不贊同，並認為有關看法是危險的。
Nevertheless as to the motion attributing the problems of in - work poverty and disparity between the rich and the poor to the outsourcing system including such arguments that employees have seen their remuneration suppressed and their rights and benefits exploited the Liberal Party absolutely does not agree to them and we consider such views dangerous
首先，我們不認同任何剝削勞工的行為，亦強調僱主必須合理保障僱員的權益。
First we disapprove of any exploitation of workers and stress that employers must accord reasonable protection to employees rights and benefits
對於在外判制度下有個別外判商忽略員工的待遇，損害外判工人的權益，自由黨深表遺憾。
For those cases in which employees have seen their treatment neglected and outsourced workers have seen their rights and benefits undermined by individual outsourced contractors under the outsourcing system the Liberal Party expresses deep regret
事實上，我們不否定在現時的制度下，有僱主存心利用相關漏洞剝削勞工。
In fact we do not deny the fact that under the existing system such loopholes have been deliberately used for exploitation of workers by some employers
不過，如將個別個案無限放大，以致推斷外判服務一無可取，則未免過於以偏概全。
However if we keep exaggerating individual cases and then draw the conclusion that service outsourcing is good for nothing we may be making a one - sided generalization
同樣道理，如以為外判制度下僱員均面對"工資低、福利少、職業保障欠奉"等困境，亦是將問題看得過於表面和偏頗。
By the same token if we think that all employees under the outsourcing system face such plights of low wages little benefits and a lack of job security such views on the issues are also way too biased and superficial
須知道，政府的外判服務合約訂明承辦商必須遵守《僱傭條例》、《僱員補償條例》和《職業安全及健康條例》等相關規定。
We must know that as stipulated by the Governments outsourced service contracts contractors shall observe the relevant requirements under the Employment Ordinance the Employees Compensation Ordinance and the Occupational Safety and Health Ordinance
但自2011年5月起，當局亦規定外判服務合約下的僱員亦受到《最低工資條例》的保障，享有不低於法定最低工資水平的工資。
But since May 2011 employees under outsourced service contracts are also covered by the Minimum Wage Ordinance and entitled to wages no less than the statutory minimum wage level
因此，議案中對外判服務下僱員的描述，未免有點不盡不實。
Hence the situation of employees of outsourced services as depicted in the motion may be a bit incomplete and inaccurate
因此，議案中建議審視並改善標準僱傭合約，以杜絕外判服務承辦商剝削僱員權益，自由黨認為兩者不存在直接關係。
Hence as to the proposal in the motion for examining and improving the standard employment contract to eradicate exploitation of employees rights and benefits by outsourced service contractors the Liberal Party does not see any direct linkage between the two
現時個別外判員工受到剝削，只是個別服務承辦商違反規定所引致的後果。
The current exploitation of individual outsourced workers is just the outcome of non - compliance with the requirements by individual service contractors
早於2006年，自由黨已指出政府部門既然負責審批與外間服務供應商的合約安排，就必須妥善履行監管的責任，包括監管服務合約的履行情況、服務質素和外判員工的勞工及職安權益等，以確保外判工人受到合理保障，亦避免外判制度因個別外判商的不當行為而蒙上污點，影響整體的效果。
As early as in 2006 the Liberal Party already pointed out that since government departments were responsible for vetting and approving the contractual arrangements with external service providers they were obliged to discharge their regulatory responsibilities properly including monitoring the implementation of service contracts service quality labour rights and interests and occupational safety of outsourced workers so as to ensure reasonable protection for outsourced workers and prevent the outsourcing system from being tarnished by the malpractices of individual outsourced contractors for otherwise the overall effect would be undermined
可惜當局多年來監管乏力，社會普遍對外判服務能夠有效保障員工的權益失去信心。
Regrettably supervision by the authorities has been inadequate over the years . The community in general has lost confidence in the competence of outsourced contractors to offer effective protection for the rights and benefits of employees
因此，我們認為當局必須加強監察的力度，避免衍生的問題越演越烈。
For this reason we consider that the authorities must step up monitoring to pre - empt intensification of the problems connected with it
除此之外，對於議案中要求縮窄服務外判的範疇和規模，並改以公務員合約條款聘用僱員擔任有長期服務需求的工作崗位，自由黨亦不贊成。
In addition as to the request in the motion for narrowing the scope and scale of service outsourcing and recruiting employees on civil service agreement terms to fill positions with long - term service needs the Liberal Party also begs to differ
事實上，當初推行外判服務制度是為了更有效地運用資源，節省公帑並改善服務質素和效率。
In fact the purposes of introducing the service outsourcing system back then were to use resources more effectively save public money and improve service quality and efficiency
如現時舊調重彈，無疑是自打嘴巴，還原基本步。
If we now play the same old tune we are undeniably slapping our own face and returning to the basics
況且，各個部門的運作情況和資源也不盡相同，如硬性落實有關規定，將嚴重影響部門的靈活及自主性，亦令制度出現僵化，所謂未見其利，先見其害。
Moreover given that the operation and resources of various departments vary rigid application of the relevant requirements will seriously affect the flexibility and autonomy of the departments and render the system inflexible thus leading to bad consequences before bringing any benefits
此外，對於議案中鼓勵甚至要求投標者提出高於法定最低工資，或按有關行業的工資中位數訂定僱員的工資水平，自由黨認為有關建議罔顧現實，流於不設實際。
Furthermore as to the proposal in the motion for encouraging or even requiring tenderers to offer to employees wage levels higher than the statutory minimum wage or to set the wage levels according to the median wage of the relevant industries the Liberal Party considers that it has disregarded the reality and is therefore unrealistic
現時外圍經濟環境嚴峻，本港經濟充滿暗湧，最低工資水平已一加再加。
At present due to an austere external economic environment the local economy is full of uncertainties . The minimum wage level has been raised repeatedly
如在此時再要求比最低工資更高的水平，作為聘請員工的基礎，對於一些屬於中小企的服務外判商而言，情況只會雪上加霜，更有可能影響基層僱員的就業機會。
If we require those outsourced service contractors which are small and medium enterprises to offer wage levels higher than the statutory minimum wage as the basis of recruitment now it will only add to their difficulties and may even affect the employment opportunities of grass - roots employees
值得注意的是，自2004年實行至今的扣分制度，對違法的外判商並沒有任何阻嚇作用，亦令有關問題升溫。
It should be noted that the demerit point system in place since 2004 has no deterrent effect on those outsourced contractors which have breached the law while intensifying the associated problems
現時的扣分制度未有對違反《僱傭條例》的承辦商作出適當懲處，因此承辦商可以鑽空子剝削勞工的權利。
The existing demerit point system has failed to impose appropriate penalties on contractors in breach of the Employment Ordinance thereby allowing contractors exploitation of workers rights as a result of such loopholes
與此同時，現行機制亦未有將承辦商曾被勞資審裁處判決敗訴的個案，作為承辦商競投標書的參考資料之一。
Meanwhile under the existing mechanism cases ruled against contractors by the Labour Tribunal are also not included in the bids placed by contractors as part of the reference
自由黨認為這變相縱容承辦商持續違法，剝削勞工權益。
The Liberal Party considers it in another sense connivance at the continuing offence committed and exploitation of workers rights and benefits by contractors
有見及此，我們認為當局應完善扣分制度，加入更多扣分項目，包括對違反《僱傭條例》及其他合約條款，如用膳時間、強迫於休息日及勞工假期工作、以薪酬代替勞工假期、沒有開設強積金戶口、完約後不支付遣散費等作出制裁。
In view of these we think the authorities should perfect the demerit point system by introducing additional default items including sanctions for non - compliance with the Employment Ordinance and other contract terms such as meal breaks requiring employees to work on rest days and labour holidays payment in lieu of labour holidays failure to open Mandatory Provident Fund accounts and failure to settle severance payments on completion of contract
同時，加入勞資審裁處敗訴的個案，作為投標的參考，以加強對外判承辦商的監管，進一步保障勞工權益。
Also cases ruled against contractors by the Labour Tribunal should be included as reference for tenders so as to enhance supervision of outsourced contractors and offer further protection for workers rights and benefits
最後，自由黨必須指出，外判制度並非洪水猛獸，只要當局對制度作出適當調整，包括不以"價低者得"作為招標的主要考慮因素、完善扣分制度及加強監管，有關制度仍然行之有效。
Lastly the Liberal Party must point out that the outsourcing system is not a scourge . As long as the authorities effect appropriate adjustments to the system including refraining from taking lowest bid wins as the primary consideration of tenders perfecting the demerit point system and enhancing supervision such a system will remain effective
主席，我以往在電台任職，而在電台任職會錄製廣告，但有些廣告，我和很多同事也不太想錄製，會推讓給別人錄製，其中一類便是財務公司的廣告。
President I worked at a radio station in the past and when I worked there I would record radio commercials . But for some commercials many colleagues and I were rather reluctant to record and would pass them to someone else . One such commercials were those placed by finance companies
十多年前，政府的監管更沒有現時般完善，我們認為錄製這些廣告，在道德上好像有問題。
Some ten years ago government regulation was not as comprehensive as today . In our view it seemed that ethical issues would arise from recording such advertisements
最近一年，財務公司的廣告會附加一句："借錢梗要還，咪俾錢中介"。
In the last year advertisements of finance companies would contain a message that reads You have to repay your loans
我想先在這裏指出，政府在"咪俾錢中介"這句中的"俾"字，是"人"字旁加一個"卑"字，但其實不應使用這個字，應該使用"畀"字才對，"畀"字才是"給予"的意思，而"俾"字是"被"的意思，例如被媽媽打或俾媽媽打，是被動的語態。
Dont pay any intermediaries . First of all I wish to point out here that for the word 俾 bei2 as in the statement of the Government 咪俾錢中介 it is the radical 人 jan4 plus the word 卑 bei1 . But in fact instead of this word the word 畀 bei2 should be used as 畀 is the correct word meaning give while 俾 carries the meaning of 被 bei6 such as 被媽媽打 or 俾媽媽打 which is passive voice
當局希望透過規定財務公司在廣告 中加入這句，市民便不會輕易相信財務中介的廣告，胡亂向財務公司借錢。
By requiring finance companies to include such a message in their advertisements the authorities hope that members of the public will not easily believe advertisements of financial intermediaries and seek loans from finance companies indiscriminately
去年11月，有一則報道指出，警方搗破一個一條龍的不法財務中介集團，拘捕了25人，涉嫌串謀訛騙和"洗黑錢"，20多名受害人共被騙去1,100萬元，最高金額是460萬元。
It was reported last November that the Police cracked a one - stop unscrupulous syndicate of financial intermediaries and arrested 25 people for alleged conspiracy to defraud and money laundering . Some 20 victims were defrauded of 11 million in total with the worst case involving a sum of 4.6 million
涉案的不法財務中介公司向財務公司職員收買個人資料，針對擁有物業、財務困難、信貸紀錄不良和難以向銀行借貸的人，遊說他們向財務公司申請按揭，從中收取高昂的中介費，並將借來的貸款扣起，訛稱會分階段轉帳到受害人的戶口，令銀行把該筆金錢視作固定收入，這樣便可以"整靚"其信貸紀錄。
The unscrupulous financial intermediaries concerned paid staff members of finance companies for personal data targeted at those property owners in financial distress whose adverse credit records made it difficult for them to secure bank loans and then persuaded them to apply for mortgages from finance companies . They would then charge exorbitant intermediary fees and withhold the loan amount obtained claiming that money would be transferred to the victims accounts in phases so that the banks would consider it as regular income . In this way their credit records will become presentable
從這些個案中，我們可見不法的財務中介有數個特點：第一，與財務公司或財務公司員工有密切聯繫，可以取得有財務困難的市民的詳細資料。
From these cases we can identify a few features of unscrupulous financial intermediaries First they have close ties with finance companies or staff members of finance companies with access to the personal details of members of the public in financial distress
第二，受害人有財務困難而急需借錢，卻可能因為借貸紀錄不良而難以向大型銀行借貸，所以要考慮其他途徑借貸，因而容易受騙。
Second those victims in urgent need of loans due to financial difficulties may find it difficult to secure loans from large banks given their adverse credit records . As a result they have to consider seeking loans from other sources thus rendering them easy prey for frauds
第三，不法的財務中介很多時候是臨時開設，騙得金錢後便會逃之夭夭。
Third unscrupulous financial intermediaries are often set up temporarily which will then get away with it after successfully defrauding money
根據上述不法財務中介的特點，政府現時打擊不法財務中介的做法是過於間接和迂迴，可能會治標不治本。
In view of these features of unscrupulous financial intermediaries the Governments current approach in cracking down on unscrupulous financial intermediaries is way too indirect and circuitous probably treating the symptoms but not the root cause of the problem
為了確保有效執行上述規定，並考慮到不良財務中介可能和其有關連的放債人運用各種伎倆，設法隱瞞彼此的關係，以規避禁止向借款人另行收費的規定，當局規定任何與放債人就貸款簽訂協議的財務中介人，放債人必須向放債人註冊處申報相關的委任，並確保財務中介不會向借款人收取任何費用。
To ensure effective enforcement of the said ban on separate fee charging and since unscrupulous financial intermediaries and related money lenders may resort to different practices to conceal their relationship so as to circumvent the ban on separate fee charging on borrowers the authorities require that if money lenders have signed any agreement with financial intermediaries for loans the money lenders must report such appointment to the Registrar of Money Lenders and ensure that the financial intermediaries will not charge any fees on the borrowers
如果有財務中介收取費用的行為，當局除了可以根據牌照條件與放債人跟進外，警方可以更有效地作出舉證，檢控有關的財務中介。
In case fees are charged by the financial intermediaries the authorities can follow up with the money lenders in accordance with the licensing conditions and the evidence - gathering efforts of the Police can be more effective to facilitate prosecution of the financial intermediaries in question
但是，既然那些放債人存心隱瞞與不良財務中介的關係，存心與不良財務中介合謀詐騙借款人，即使政府設立了登記制度，放債人也可能以一些財務中介登記假的資料，甚至不登記不良中介的資料。
Nevertheless given that those money lenders deliberately conceal their relationship with unscrupulous financial intermediaries and collude with each other in defrauding borrowers even if the Government has set up a registration system the money lenders may register false information through financial intermediaries or even intentionally fail to register information of unscrupulous intermediaries
當不良財務中介被調查時，不良財務中介便可以一走了之。
When such unscrupulous financial intermediaries are investigated they may simply get away with it
有同事提到 透過發牌規管不良財務中介。
An Honourable colleague mentioned the introduction of a licensing regime to regulate unscrupulous financial intermediaries
現時收取高手續費、收取手續費後卻不發放借貸的中介公司，其實多數由不法分子經營，騙錢後便一走了之。
Currently most of the intermediaries charging high handling fees or withholding the loans after collecting such fees are actually managed by lawbreakers who will simply get away with it after defrauding people of their money
即使政府真的就財務中介引入發牌制度，這些不法分子當然不會申請牌照。
Even if the Government should really introduce a licensing regime for financial intermediaries such lawbreakers will certainly not apply for a license
如果有一天，正式有了財務中介這個行業，不法分子也可以假借財務中介之名來欺騙市民，即使政府設立了發牌制度也是防不勝防。
If the financial intermediary trade is made legitimate someday lawbreakers posing as financial intermediaries can still defraud members of the public . Even if the Government has set up a licensing regime it still cannot guard against such pitfalls
我認為最治本的方法是從信息流着手，防止不良中介獲得有財務困難的市民的資料，以及令有財務困難的市民不能接觸不良財務中介的資訊。
In my view the best solution for tackling the problem at root is to start with information flow barring unscrupulous intermediaries from obtaining the data of members of the public in financial distress and preventing members of the public in financial distress from being exposed to the information offered by unscrupulous financial intermediaries
當局必須調查，為甚麼不良中介公司可以找到受財務困擾的市民的個人資料，然後又可以直接接觸這些市民。
The authorities must find out why unscrupulous intermediaries can find the personal data of members of the public beset by financial problems and then get in touch with them direct
當局必須調查是否有人在未獲借貸人同意下，濫用借貸人的債務資料圖利，並加重金融從業員濫用借貸人的個人資料的罰則。
The authorities must inquire into whether anyone has misused the loan information of borrowers for profit without their consent and impose heavier penalties on the misuse of personal data of borrowers by financial practitioners
此外，我認為政府更應立法嚴格規管甚至禁止財務中介公司透過電話推銷放債或債務重組業務。
In addition I think the Government should also enact legislation to impose more stringent regulation―or even a ban―on telesales in marketing loans or debt restructuring
另外，我很希望政府在研究立法打擊不良中介公司的同時，亦立法規管不良追債行為，將追債行為刑事化，打擊金融機構的不良追債行為，讓市民免受金融機構不良追債行為的滋擾。
Furthermore I very much hope that while studying the enactment of legislation to crack down on unscrupulous intermediaries the Government should also enact legislation to regulate malpractices in debt collection criminalizing debt collection and cracking down on malpractices in debt collection by financial institutions so as to protect members of the public from nuisances caused by the malpractices in debt collection by financial institutions
現時，有人提出要加強規管中介服務，因為這些中介有很多違法行為。
Now some people have proposed to step up the regulation of intermediary services for these intermediaries have engaged in many illegal practices
香港是一個資本主義社會，當然，我們要批評那些財務廣告，內容真的相當可怕，完全是推介所謂的消費主義：聽音樂會、飛到韓國買衣服或更換新車、小屋換大屋等，3分鐘或30分鐘便可獲批核貸款，這是過分的引誘。
Hong Kong is a capitalistic society . Certainly we must criticize those loan advertisements for the alarming content . The advertisements are actively promoting consumerism going to concerts flying to Korea to buy clothes buying a new car as replacement and replacing small flats with bigger ones and so on emphasizing the speedy approval of loans in three to 30 minutes
市民如果因為金錢而引發感情煩惱，這應由民政方面處理。
If the public are troubled by emotions as a result of financial problems it should be handled by the home affairs authorities
現時確實沒有特別的監管機構，但是否要架床疊屋，另外成立一個財務中介監管局呢？
It is true that there is no regulatory body at present yet would it be superfluous if a financial intermediary authority is set up?
我知道局長剛才也有提及，現有條例已經頗緊，但可否再收緊一點，規定放債人監察他們的agent如何辦事呢？
I know the Secretary has mentioned earlier that the existing legislation is quite stringent yet is it possible to tighten it further by requiring money lenders to monitor the operation of their agents?
代理主席，多謝麥美娟議員提出議案及梁耀忠議員和胡志偉議員提出修正案。
Deputy President I would like to thank Ms Alice MAK for proposing the motion and Mr LEUNG Yiu - chung and Mr WU Chi - wai for proposing the amendments
近年的確有很多以不良手法經營的財務中介公司，利用欺詐的手法，誘騙市民向財務公司或放債人借貸，從中收取高昂費用。
In recent years many financial intermediaries have indeed adopted bad practices to lure members of the public by fraudulent means to draw loans from finance companies or money lenders and levy exorbitant charges in the process
他們往往自稱或訛稱自己是專業人士，例如自稱為會計事務所，令人誤會他們真的是提供專業服務的專業會計師，甚至是律師，以為客戶提供財務評估服務為名，收取高昂的手續費為實。
Very often they would call themselves or claim to be professionals . For instance they might claim that they are operating accounting firms thereby giving people a wrong impression that they are really professional accountants providing professional services or even lawyers . However they will charge exorbitant service fees on the pretext of providing financial evaluation services for their clients