青島希尼爾翻譯公司（theheretical.com）整理發(fā)布2016-02-25

希尼爾翻譯公司（theheretical.com）2016年2月25日了解到：Latest figures suggest a growing number of Chinese mainland residents are travelling to Hong Kong to buy insurance products and services.
　　最新數(shù)據(jù)顯示，越來越多的中國大陸居民正在周游香港，購買保險產(chǎn)品和服務(wù)。
　　Hong Kong agents are banned from selling their products on the mainland, but mainland travelers can buy policies when they visit the city.
　　大陸禁止香港代理商在大陸出售產(chǎn)品，但是大陸游客可以在觀光旅行時購買保險。
　　According to figures from Hong Kong’s office of the Commissioner of Insurance, mainland visitors bought insurance premiums worth 2.7 billion U.S. dollars in the city in the first three quarters of last year, accounting for 22 percent of new office premiums in Hong Kongin that period.
　　據(jù)香港保險業(yè)監(jiān)理處數(shù)據(jù)，去年前三季度，大陸游客在香港購買價值27億美元的保險，占香港同時期新增保險費的22%。
　　That represents nearly a five-fold increase from 2011.
　　這一數(shù)據(jù)近乎是2011年的五倍。
　　Hong Hao, from the local BOCOM International Holdings Company, believes the cheaper prices and higher returns of insurance products in Hong Kong play a key role in attracting mainland buyers.
　　來自香港交通銀行國際控股公司的洪浩相信，香港保險產(chǎn)品價廉利多是吸引大陸購買者的關(guān)鍵因素。
　　"Insurance products sold in Hong Kong are, in general, cheaper than those sold in the mainland market. In some extreme cases, we’ve seen 50 percent discount between Hong Kong products and mainland products. For example, in the past 10 years, the average expected return for Hong Kong insurance products is five to nine percent. I think on the mainland it’s probably less than five percent. So if you assume the currency exchange rateis stable, then the return of the Hong Kong insurance products here can be a lot more attractive."
　　“通常情況下，香港的保險產(chǎn)品比大陸市場的便宜。在一些極端例子里，香港產(chǎn)品和大陸產(chǎn)品相差一半的折扣。比如，在過去十年里，香港保險產(chǎn)品平均期望收益是5%-9%，我覺得大陸要低于5%。所以，如果你斷定匯率穩(wěn)定，香港保險產(chǎn)品的回報更吸引人?！?span id="tis4f9q" class="style52">
　　Analysts say that insurance products provided in Hong Kong outstrip those offered on the mainland also in many other aspects, such as product innovation, scope of protection and the quality of service.
　　分析師說，香港提供的保險產(chǎn)品在其他很多方面也超過大陸產(chǎn)品，比如產(chǎn)品創(chuàng)新，維護目標和服務(wù)質(zhì)量。
　　Among the attractions of local insurance policies is the wider variety of currency and investment choices as the city is able to offer products denominated in US or Hong Kongdollars, in addition to the Yuan. There is also a wide range of investment choices and terms available there.
　　在眾多吸引點里，因為香港能夠提供除人民幣外，以美元或者港幣計價的產(chǎn)品，從而能為投資者提供更廣泛的幣種和投資選擇。這里還有很多廣泛的、切實可行的投資選擇和條款。
　　On the mainland - insurance policies are denominated in yuan and are mainly invested inbank deposits or bonds.
　　中國內(nèi)地保險以人民幣計價，主要通過銀行儲蓄或者債券進行投資。
　　However, analyst Hong Hao warns that for investors who want to hedge risks by diversifying investment tools, it is not devoid of danger, especially when it comes to currency fluctuations.
　　然而，分析師洪浩警告那些想要通過多元化投資規(guī)避風險的投資者，這種選擇并不是沒有風險，尤其在匯率浮動時。
　　"In the past 10 years, the Hong Kong dollar has depreciated against the mainland currency by about 24 percent. So even if you get a more attractive return from the Hong Kong insurance product, you stood to lose 24 percent over the past five to 10 years. So in that way, from the investment perspective, you may not be able to get the expected yield you are getting from the Hong Kong insurance product after factoring in the currency fluctuation."
　　“在過去的十年里，港幣兌換人民幣匯率下跌24%。所以，即便香港保險產(chǎn)品的回報更高，你也在過去的五到十年里損失了24%。所以，從投資的角度看來，一考慮到匯率波動因素，你也許無法從香港保險產(chǎn)品里獲得預(yù)期的收益?！?span id="etu8v5i" class="style52">
　　Hong Kong has seen its insurance market expanding rapidly in recent years.
　　近些年，香港保險市場迅速擴張。
　　With a population of around 7 million, the city has about 160 insurers, the largest number of authorized insurance companies in Asia.
　　香港大約有700萬人口，160家保險公司，是亞洲授權(quán)保險公司數(shù)量最大的城市。
　　來源:人民網(wǎng)