billchoa/3036384256-COMP7607-data huggingface dataset:
user: Please translate the following sentence from English to Chinese: However, stock market volatility and the low interest rate environment have encouraged many investors to seek better returns in a wider range of financial products. These include the traditional unit trusts and mutual funds, hedge funds and other collective investment schemes, structured products as well as investment-linked insurance policies (ILAS).

assistant: 然而，由於股市波動及息率低企，導致不少投資者另覓更多不同種類的金融產品，以求爭取較佳回報，當中包括傳統的單位信託及互惠基金、對沖基金及其他集體投資計劃、結構性產品，以及投資相連壽險計劃。
user: Please translate the following sentence from English to Chinese: The symposium ended with a Q&A session where officials from the SFC, CSRC and SAFE addressed questions posed by the audience. Topics covered a wide range of issues including eligibility requirements, redemption fees, taxation arrangements, disclosures, opening of settlement accounts and appointment of custodians.

assistant: 研討會結束前進行了一個答問環節，來自證監會、中國證監會和外匯局的官員回答了與會者的提問，涵蓋面甚廣，包括資格規定、贖回費用、稅務安排、披露、結算帳戶的開立和託管人的任命等事項。
user: Please translate the following sentence from English to Chinese: As important as these statistics are, I firmly believe that it is equally important that they are seen as merely one aspect of the performance of the SFC’s enforcement function.

assistant: 這些統計數字無疑十分重要，但我深信有一點是同樣重要的，就是我們僅應將它們視爲反映證監會履行執法功能的表現的其中一個方面。
user: Please translate the following sentence from English to Chinese: REITs add depth to our real estate and asset securitisation markets and provide an alternative and long term source of funding capital for real estate.

assistant: 房地產基金爲我們的物業及資產證券化市場帶來深度，亦爲房地產提供另一長期的集資來源。
user: Please translate the following sentence from English to Chinese: Currently, only individuals are able to open RMB accounts in Hong Kong and invest in RMB-denominated products.

assistant: 按照現行的政策，只有個人投資者可以在香港開立人民幣帳戶和投資於人民幣計價產品。
user: Please translate the following sentence from English to Chinese: The provisions of section 201 of the Securities and Futures Ordinance specifically permit the SFC to consider and, if appropriate, to agree other means of resolution.

assistant: 《證券及期貨條例》第 201 條明確地允許證監會考慮及在適當情況下同意接納其他解決方法。
user: Please translate the following sentence from English to Chinese: Clearly, in developing these products, we need to be mindful of the long-term objectives and specific needs of the underlying Mainland economy.

assistant: 在開發這類產品的過程中，我們必須著眼於國家經濟的長遠發展目標及具體需要。
user: Please translate the following sentence from English to Chinese: 3. Regional economic outlook is promising,

assistant: 3. 地區經濟前景樂觀，
user: Please translate the following sentence from English to Chinese: In fact, the lifting of geographical restriction was crucial in enabling the listing in Hong Kong of the first REIT in the world with 100% exposure to Mainland properties at the end of 2005.

assistant: 事實上，消除地域限制，對於 2005 年年底全球首項 100%投資於內地物業的房地產基金得以在香港上市起著關鍵作用。
user: Please translate the following sentence from English to Chinese: The SFC’s regulatory approach But are we doomed to repeat the mistakes of the past?

assistant: 證監會的監管方針 但我們是否註定要重蹈覆轍？
user: Please translate the following sentence from English to Chinese: If it is confirmed that there is a breach of the SFO, we would take enforcement action accordingly, whether or not the listing application is withdrawn.

assistant: 如果確定有違反《證券及期貨條例》，我們會採取相應的執法行動，無論上市申請是否被撤回。
user: Please translate the following sentence from English to Chinese: The main regulatory requirements for listed companies that are not incorporated in Hong Kong rests with the non-statutory Listing Rules administered by the Hong Kong Stock Exchange.

assistant: 適用於並非在香港註冊成立的上市公司的主要監管規定載於由香港聯合交易所執行的非法定的《上市規則》內。
user: Please translate the following sentence from English to Chinese: Successful fund distribution requires creativity, being in sync with the market and no small amount of street smarts to assess investor needs, and create demand for products.

assistant: 基金分銷的成功需要創意、緊貼市場發展、以及具有一定的智慧來評估投資者的需要及創造對產品的需求。
user: Please translate the following sentence from English to Chinese: A milestone for the SFC was the enactment of the Securities and Futures Ordinance (SFO) in March 2002.

assistant: 在證監會的歷史中，其中一個重大的里程碑是《證券及期貨條例》在 2002 年 3 月獲得通過。
user: Please translate the following sentence from English to Chinese: Such new measures are expected to significantly broaden the scope of Hong Kong’s financial services, taking advantage of Hong Kong’s being the primary investment hub accommodating about 60% of the Mainland’s ODI.

assistant: 香港目前已吸納了約 60%的內地境外直接投資，成爲內地的主要投資中心，憑藉這項優勢，上述措施的推出將會大大擴展香港金融服務的領域。
user: Please translate the following sentence from English to Chinese: I doubt that investors in Hong Kong are different from investors in the UK in wanting to be kept informed of any unexpected changes in trading performance.

assistant: 如果說在希望掌握有關上市公司業績表現的意外變化的最新信息方面，香港的投資者會有別於英國的投資者的話，我會懷疑這項說法是否成立。
user: Please translate the following sentence from English to Chinese: 13. For their part, international investors looking to tap into the growing China market can look to a single platform for access to good quality Mainland companies with high growth potential.

assistant: 13. 至於擬於不斷增長的中國市場發掘商機的國際投資者，則可望獲得能讓其接觸優質兼高增長潛力的內地公司的單一平臺。
user: Please translate the following sentence from English to Chinese: As of the end of May, the largest group of QDII investors, Mainland insurance companies, held total assets in the realm of RMB3.6 trillion.

assistant: 在 5 月底，內地保險公司這個 QDII 計劃下最主要的機構投資者組別所持有的資產，合計總值達人民幣 36,000 億元。
user: Please translate the following sentence from English to Chinese: But first, I would like to say a few words on regulation to give the bigger picture and to put the issues in perspective.

assistant: 但我打算先概略地談談監管，讓大家能夠以一個較宏觀的角度，正確地認識相關的議題。
user: Please translate the following sentence from English to Chinese: First, we assess the acceptability of the hedge fund manager.

assistant: 首先，我們會評估對沖基金經理是否具備可接受的質素。
user: Please translate the following sentence from English to Chinese: CEPA Forum, Beijing 2006 New Opportunities and Challenges Ahead for Mainland and Hong Kong Financial Practitioners Progress under CEPA – A Regulator’s View Mrs Alexa Lam Securities and Futures Commission Hong Kong The Hon Frederick Ma, Mr Huang, Mr Kwan, Ladies and Gentlemen, I am grateful to the Hong Kong Securities Institute for the opportunity today to share with you from a regulator’s view the progress under CEPA in the securities and futures industry.

assistant: <更緊密經貿關係安排論壇 2006> 兩地金融業的機遇及挑戰 從證券市場監管者的角度看 CEPA 的最新進展 林張灼華女士香港證券及期貨事務監察委員會 馬時亨局長，黃會長、關主席、各位來賓： 非常感謝香港證券學會爲我提供這個機會，和大家從監管者的角度分享關於 CEPA 在證券和期貨業的進展。
user: Please translate the following sentence from English to Chinese: Structural advantage of the UT Code The revamped UT Code adopted a new structure to clearly set out the authorization requirements, which makes the fund authorization process more transparent.

assistant: 《單位信託守則》之下的制度的優點 經修訂的《單位信託守則》採納了一套清楚列明認可要求的全新制度，使基金認可過程更具透明度。
user: Please translate the following sentence from English to Chinese: There were also changes to the conduct requirement for intermediaries to enhance selling practices relating to the sale of investment products.

assistant: 另外，我們亦修訂了中介人的操守規定，完善投資產品的銷售手法。
user: Please translate the following sentence from English to Chinese: These seminars are also videotaped for airing later on TV, with key messages also being published in the Hong Kong Economic Journal.

assistant: 我們將會把這些講座錄影起來，以便日後在電視播放，而每場講座的撮要內容亦會在《信報》刊登。
user: Please translate the following sentence from English to Chinese: These are what the Commission should carefully consider as a matter of utmost importance.

assistant: 這些都是證監會應視爲至關重要而審慎考慮的事情。
user: Please translate the following sentence from English to Chinese: But what are the expectations of the SFC stakeholders?

assistant: 然而，證監會的相關團體有甚麼期望呢？
user: Please translate the following sentence from English to Chinese: Finally, as I alluded to earlier, financial innovation, particularly automation and algorithmic trading, heightens misconduct risk by magnifying existing concerns and introducing new ones.

assistant: 最後，正如我早前所述，金融創新（尤其是自動化及程式買賣）加劇了現有的問題，並帶來新的關注，令失當行爲的風險增加。
user: Please translate the following sentence from English to Chinese: Our view on this is that REITs are first and foremost steady yield plays and alternative investments with lower correlation to the equities market.

assistant: 我們的看法是，房地產基金主要是一種能提供穩定的回報及與股票市場的相關性甚低的另類投資項目。
user: Please translate the following sentence from English to Chinese: The SFC’s enforcement record, both the cases in which regulatory action has been successfully concluded and those which did not result in the imposition of penalties or sanctions, speaks eloquently of Hong Kong as a jurisdiction where the rule of law prevails and where justice takes its course.

assistant: 證監會在已成功完成監管行動的個案及沒有導致施加懲罰或制裁的個案兩方面的執法紀錄，都說明香港是一個恪守法治、秉持公義的司法管轄區。
user: Please translate the following sentence from English to Chinese: I believe that the most vital role of the Chairman is to call upon all members of the Board to fully participate in the affairs of the Commission, which include not only spending time considering and endorsing proposals put forward by the executives, but also setting strategies and directions for the future.

assistant: 我相信主席最關鍵的角色是要促請董事局內的所有成員，全心全意地投入證監會的事務，這不僅包括抽時間審議及認可執行董事提出的建議，也包括爲證監會設定未來策略及路向。
user: Please translate the following sentence from English to Chinese: Asia Cement is a Taiwanese enterprise with operations in both Taiwan and the Mainland.

assistant: 亞洲水泥是一家業務遍及臺灣和內地的臺資企業。
user: Please translate the following sentence from English to Chinese: These roles have an added significance for Asia given the economic integration within the region.

assistant: 鑑於區內的經濟融合情況，上述兩項作用結合起來對亞洲尤其重要。
user: Please translate the following sentence from English to Chinese: Accountability to stakeholders – directors should not hesitate to take up their responsibilities and discharge their functions dutifully.

assistant: 對利益相關者的問責性－董事應毫不猶豫地承擔責任及盡職地履行其職能。
user: Please translate the following sentence from English to Chinese: The fund has been well received by investors in Hong Kong, both retail and institutional. The fund raised more than US$20 million within 1 week after launch and the fund size grew to US$62 million by end-2007.

assistant: 首隻伊斯蘭基金推出後大受香港散戶和機構投資者歡迎，在基金推出後一週內，已經籌集到超過 2,000 萬美元的資金，在 2007 年年底，基金總額增加至 6,200 萬美元。
user: Please translate the following sentence from English to Chinese: We must therefore revamp the UT Code to make it even easier for funds and talents to congregate in Hong Kong.

assistant: 因此，本會必須修訂《單位信託守則》，使香港能更容易匯聚各類基金及專業人才。
user: Please translate the following sentence from English to Chinese: To me, this amply demonstrates that many of you are serious about branding yourselves as trusted partners to your investors.

assistant: 我認爲，這充分顯示出在座不少都認真渴望能成爲投資者視爲值得信賴的夥伴。
user: Please translate the following sentence from English to Chinese: Hong Kong’s strength traditionally has been fund distribution and sales.

assistant: 香港的傳統優勢在於基金分銷及銷售業務。
user: Please translate the following sentence from English to Chinese: But our approach to regulation is not just about enforcement.

assistant: 但我們的監管方法並非只有執行法規。
user: Please translate the following sentence from English to Chinese: I can understand that at a time when demand is weak and margins are squeezed, these requirements appear to make your business burden heavier.

assistant: 我明白，當前市場需求疲弱，加上利潤已大不如前，這些規定看來會加重你們的業務負擔。
user: Please translate the following sentence from English to Chinese: The work of IOSCO in these areas is continuing.

assistant: 國際證監會組織在這些範疇的工作仍然持續。
user: Please translate the following sentence from English to Chinese: These programmes may be too complex and hard for humans to comprehend.

assistant: 這些程式可能過於複雜，一般人難以理解。
user: Please translate the following sentence from English to Chinese: In other words, apart from prudential and conduct issues, the regulators need to monitor financial stability and systemic risk as well.

assistant: 換言之，除進行審慎監督及操守監督外，監管機構亦要監察金融穩定性及系統風險。
user: Please translate the following sentence from English to Chinese: Such information include the risk management procedures put in place by the fund manager to monitor, measure and manage the relevant risks in relation to each UCITS III fund.

assistant: 該等資料包括基金經理爲監察、量度及管理每一項 UCITS III 基金所涉及的相關風險而設立的風險管理程序。
user: Please translate the following sentence from English to Chinese: In hindsight, we now know that there was one crucial regulatory blind spot – AIG.

assistant: 經事後回顧，我們始知道美國國際集團 AIG 是監管方面的一個盲點。
user: Please translate the following sentence from English to Chinese: The main statutory securities regulation in Hong Kong is the SFO.

assistant: 該條例是香港的主要法定證券規例。
user: Please translate the following sentence from English to Chinese: With growing interests of institutional investors in the Asian market, rising corporate activism in this part of the world, and wider media interest in corporate activities, board of directors can no longer shut themselves off from the demands raised by various stakeholders.

assistant: 隨著機構投資者對亞洲市場的興趣漸濃、爭取企業權益行動在亞太區日漸抬頭，以及傳媒對企業活動愈來愈感興趣，董事局再不能置身事外，無視各利益相關者所提出的訴求。
user: Please translate the following sentence from English to Chinese: The asset management industry in China is also enjoying rapid growth – there has been a 10 times increase in total assets under management within six years between 2001 and 2006.

assistant: 中國的資產管理業亦增長迅速–管理資產總值在2001至2006年這六年間錄得10倍增幅。
user: Please translate the following sentence from English to Chinese: So, what are the key regulatory challenges imposed by globalisation?

assistant: 那麼，究竟全球化帶來哪些主要挑戰？
user: Please translate the following sentence from English to Chinese: Under more detailed requirements, the Code obliges firms and banks to ensure staff are fit and proper, properly trained and supervised.

assistant: 《操守準則》中較詳盡的規定指明，商號及銀行須確保職員是適當人選、受過適當訓練並須接受適當監督。
user: Please translate the following sentence from English to Chinese: And that is exactly what we have got – two legal systems for one country which brings its own complex issues.

assistant: 而這正好是現況的寫照—一個國家存在兩個法律體制，因而衍生複雜的問題。
user: Please translate the following sentence from English to Chinese: (ii) the resources and expertise to exercise those powers promptly, lawfully and impartially and (iii) the ability to join hands with one’s counterparts – whether local law enforcement agencies or overseas regulators.

assistant: (ii)迅速、合法及不偏不倚地行使該等權力的資源及專業知識； 及(iii)與有關的對口機構攜手合作的能力－不論是本地的執法機構還是海外的監管機構。
user: Please translate the following sentence from English to Chinese: While we have taken measures to manage down the risks arising from securities margin financing since the C.A. Pacific incident, pooling risk remains a loophole in the existing regulatory regime.

assistant: 雖然在正達事件發生後，我們採取了多項行動去減低孖展融資的風險，但是，彙集風險仍然是現行制度上的一個漏洞。
user: Please translate the following sentence from English to Chinese: Hong Kong currently has seven listed REITs invested in different property types both here and in the Mainland and we feel that the market should be ready for the next phase of growth.

assistant: 目前，已有七項投資於香港及內地不同類型物業的房地產基金在香港成功上市，我們認爲市場應已準備就緒，迎接下一階段的增長。
user: Please translate the following sentence from English to Chinese: 11. In preparing my remarks, I asked myself four questions.

assistant: 11. 在準備今天的演講時，我問了自己四條問題。
user: Please translate the following sentence from English to Chinese: This is not true.

assistant: 這並非事實。
user: Please translate the following sentence from English to Chinese: 14. As I see it, there are four developments in capital markets that had led to calls for less regulation.

assistant: 14. 我認爲，資本市場上的四項變化，導致市場上有放寬監管的要求。
user: Please translate the following sentence from English to Chinese: In July 2007, China Development Bank issued the first CNYdenominated bond with an amount of RMB5 billion and a tenor of two years.

assistant: 2007 年 7 月，國家開發銀行首次發行總值 50 億元人民幣的兩年期人民幣債券。
user: Please translate the following sentence from English to Chinese: The working group recognized the importance of widening the scope of permissible investment of QDII banks and discussed the possibility of expanding the scope to include products that are familiar to Mainland investors (e.g. SFC authorised funds that invest in H shares listed in Hong Kong).

assistant: 工作小組確認了必須擴闊獲 QDII 資格的銀行的獲准投資範圍，並討論了將範圍擴大至包含內地投資者熟悉的產品(例如投資於在香港上市的 H 股的證監會認可基金)的可能性。
user: Please translate the following sentence from English to Chinese: The various proposals were published for public consultation in 2009. We published our conclusions in respect of that consultation on 28 May, along with revised product and conduct codes.

assistant: 證監會於 2009 年公佈整套建議修訂，諮詢公衆意見，於今年 5 月 28 日就有關建議發表諮詢總結，同時載列經修訂的產品守則及操守準則。
user: Please translate the following sentence from English to Chinese: It goes without saying that systemic failures are at the high end of the spectrum and, in the absence of a fair and reasonable outcome resolving the underlying causes, the SFC is prepared to prosecute robustly all appropriate cases.

assistant: 系統上的缺失屬嚴重失當行爲，如未能以公平合理的解決方案根治問題，證監會定當嚴厲執法，就所有適當個案提出檢控。
user: Please translate the following sentence from English to Chinese: Turning to the retail hedge funds market, Hong Kong is one of the very first jurisdictions in the world to allow the sale of hedge funds to the retail public since May 2002.

assistant: 至於零售對沖基金市場，香港是自 2002 年 5 月以來全球其中一個最先允許向散戶銷售對沖基金的司法管轄區。
user: Please translate the following sentence from English to Chinese: We would be very interested in hearing from you whether you would support development of the tools necessary to enable Hong Kong listed companies to issue XBRL reports.

assistant: 我們很有興趣知道大家會否支持開發各種必要的工具，使香港上市公司能夠刊發 XBRL 模式的報告。
user: Please translate the following sentence from English to Chinese: 2. 2005 marked the full recovery of the Hong Kong economy as well as the continual revival of the brokerage industry.

assistant: 2. 2005 年標誌著香港經濟的完全復原，以及證券業的持續復甦。
user: Please translate the following sentence from English to Chinese: First, while these funds could continue to be managed overseas, their offering in RMB should be made in Hong Kong through a Hong Kong-domiciled fund structure with a Hong Kong manager. This is to provide the SFC with an appropriate regulatory handle.

assistant: 第一，雖然管理這些基金的工作可繼續在海外進行，但若要以人民幣在香港發售這些基金，便須由香港基金經理透過在香港註冊的基金架構進行，目的是讓證監會能夠實施適當的監管。
user: Please translate the following sentence from English to Chinese: 25. The report had called for a merger of the US Securities and Exchange Commission (SEC) with the Commodities and Futures Trading Commission (CFTC).

assistant: 25. 報告建議美國證券交易委員會與美國商品期貨交易委員會合並。
user: Please translate the following sentence from English to Chinese: As non-executive Chairman, my main responsibility is to lead the Commission Board in setting the overall direction and policies.

assistant: 身爲非執行主席，我的主要職責是帶領證監會董事局制訂整體路向和政策。
user: Please translate the following sentence from English to Chinese: In August, the Market Misconduct Tribunal found the former CEO and her two associates culpable of false trading.

assistant: 市場失當行爲審裁處在 8 月裁定該名前行政總裁及其兩名聯繫人干犯虛假交易罪行。
user: Please translate the following sentence from English to Chinese: 3rd Malaysian Islamic Finance Issuers and Investors Forum 2008 Hong Kong’s Country Presentation Mr Martin Wheatley Chief Executive Officer 12 August 2008 Opening Good afternoon Ladies and Gentlemen. First of all I would like to thank the organisers for giving me the opportunity here to speak today at the 3rd Malaysian Islamic Finance - Issuers and Investors Forum 2008.

assistant: 第三屆馬來西亞伊斯蘭金融發行商與投資者論壇 2008 香港專題簡報 韋奕禮先生 (Mr Martin Wheatley) 行政總裁 2008 年 8 月 12 日 引言各位午安。 首先我感謝主辦機構邀請我在第三屆馬來西亞伊斯蘭金融──發行商與投資者論壇 2008 上發言。
user: Please translate the following sentence from English to Chinese: Based on the latest available data, the aggregate net asset value of SFC-authorised funds broke the US$1 trillion mark at end 2007 (at nearly US$1,060 billion). The number of SFC-authorised funds also reached a new high (at 2,040), breaching the 2,000 level for the first time.

assistant: 根據我們獲得的最新數據，證監會認可基金的總資產淨值在2007年年底突破了10,000億美元的關口（約達10,600億美元），而證監會認可基金的數目亦達至新高（2,040只），首次超越2,000只的水平。
user: Please translate the following sentence from English to Chinese: In March 2007, we further facilitated the processing of UCITS III funds with special features, such as guaranteed and index funds by the issue of further streamlined measures to the industry.

assistant: 在 2007 年 3 月，本會向業界發出進一步的簡化措施，以進一步利便處理專門性 UCITS III 基金，例如保證基金及指數基金。
user: Please translate the following sentence from English to Chinese: If they meet those requirements, it does not matter where they come from, what their background is or who their parent companies are.

assistant: 如果他們符合這些要求，我們不會計較他們來自哪裏，他們的背景或母公司是誰。
user: Please translate the following sentence from English to Chinese: Much is made of the convenience of ETFs, of course, that they trade like stocks.

assistant: 當然，這主要是因爲 ETF 的交易非常方便，可以像普通股份一樣買賣。
user: Please translate the following sentence from English to Chinese: Inadequate information of the industry - In one case the industry section barely covered one page and the descriptions were largely based on directors’ belief;

assistant: 沒有充分提供行業資料－在其中一宗個案中，行業部分的篇幅 幾乎不足一頁，而有關的業務描述則主要是根據董事的看法而作出的；
user: Please translate the following sentence from English to Chinese: Sometimes, this means that executive and non-executive directors will have to think through and discuss matters that are important to the company and its stakeholders in an open and frank manner.

assistant: 有時，這意味著執行和非執行董事需要以開放、坦誠的態度全面考慮及討論對公司及其利益相關者來說關係重大的事宜。
user: Please translate the following sentence from English to Chinese: That’s why we will focus our investor education efforts this year on enhancing investors’ awareness of risk.

assistant: 因此，我們今年的投資者教育工作的重點將會集中於提高投資者的風險意識。
user: Please translate the following sentence from English to Chinese: The QDII scheme not only provides capital influx and liquidity from the Mainland, it has also attracted a variety of funds seeking to be authorised in HK.

assistant: QDII 計劃不僅提供來自內地的資本及流動資金，亦吸引了各類基金尋求在香港獲得認可。
user: Please translate the following sentence from English to Chinese: In addition to the rapidly increasing number of funds, there has also been a corresponding increase in the complexity and types of funds available to the retail public.

assistant: 除了基金數目迅速增長外，供散戶投資大衆選擇的基金的複雜性及類型亦相應地提高和增加了不少。
user: Please translate the following sentence from English to Chinese: It will not attempt to restrict funds to any rigid asset classes or investment structures.

assistant: 新的守則將不會試圖硬性地把基金區分爲特定的資產類別或限制其投資結構。
user: Please translate the following sentence from English to Chinese: As we all know, the experiment took on a new impetus in July 2010, when further liberalization measures were introduced - for the first time corporates were allowed to open RMB bank accounts, and transfers could be made between RMB accounts.

assistant: 相信大家都知道，內地在 2010 年 7 月推出進一步的改革措施，爲開放人民幣增添新動力──香港的企業首次獲准開立人民幣銀行帳戶及進行人民幣帳戶之間的資金調撥。
user: Please translate the following sentence from English to Chinese: On the other hand, we need to ensure that the regulations have sufficient deterrence and that practitioners fully understand the serious consequences of breaching them.

assistant: 另一方面，我們須確保規例具備阻嚇作用，令他們明白違法將導致嚴重後果。
user: Please translate the following sentence from English to Chinese: With investment products being increasingly sold online, one important issue for platform operators to address is how to effectively discharge their suitability obligations.

assistant: 隨著網上銷售投資產品的做法愈見普遍，有一個重要問題是平臺營運者必須正視的，那就是它們如何有效地履行爲客戶提供合理適當建議的責任。
user: Please translate the following sentence from English to Chinese: The Mainland must put its people’s savings into good use now, so that they earn a sufficient return to support the fast aging population.

assistant: 故此，內地居民必需未雨綢繆，善用積蓄賺取足夠回報，爲供養急劇老化的人口作好準備。
user: Please translate the following sentence from English to Chinese: At the end of the day, maintaining Hong Kong’s competitiveness is a shared responsibility.

assistant: 畢竟，維持香港的競爭力是大家共同的責任。
user: Please translate the following sentence from English to Chinese: Transformation of Hong Kong’s role Throughout the years, Hong Kong has transformed its role in that not only does it act as the prime overseas fund-raising centre for Mainland enterprises, it also acts as an investment platform for Mainland investors.

assistant: 香港的角色蛻變 多年以來，香港所擔當的角色已經歷蛻變： 香港不僅可作爲內地企業的主要境外集資中心，也可爲內地投資者提供投資平臺。