大陆人蜂拥购买香港保险产品（中英双语）

青岛希尼尔翻译公司（www.sinosenior.com.cn）整理发布2016-02-25

希尼尔翻译公司（www.sinosenior.com.cn）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.
　　最新数据显示，越来越多的中国大陆居民正在周游香港，购买保险产品和服务。
　　Hong Kong agents are banned from selling their products on the mainland, but mainland travelers can buy policies when they visit the city.
　　大陆禁止香港代理商在大陆出售产品，但是大陆游客可以在观光旅行时购买保险。
　　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.
　　据香港保险业监理处数据，去年前三季度，大陆游客在香港购买价值27亿美元的保险，占香港同时期新增保险费的22%。
　　That represents nearly a five-fold increase from 2011.
　　这一数据近乎是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.
　　来自香港交通银行国际控股公司的洪浩相信，香港保险产品价廉利多是吸引大陆购买者的关键因素。
　　"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."
　　“通常情况下，香港的保险产品比大陆市场的便宜。在一些极端例子里，香港产品和大陆产品相差一半的折扣。比如，在过去十年里，香港保险产品平均期望收益是5%-9%，我觉得大陆要低于5%。所以，如果你断定汇率稳定，香港保险产品的回报更吸引人。”
　　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.
　　分析师说，香港提供的保险产品在其他很多方面也超过大陆产品，比如产品创新，维护目标和服务质量。
　　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.
　　在众多吸引点里，因为香港能够提供除人民币外，以美元或者港币计价的产品，从而能为投资者提供更广泛的币种和投资选择。这里还有很多广泛的、切实可行的投资选择和条款。
　　On the mainland - insurance policies are denominated in yuan and are mainly invested inbank deposits or bonds.
　　中国内地保险以人民币计价，主要通过银行储蓄或者债券进行投资。
　　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，分析师洪浩警告那些想要通过多元化投资规避风险的投资者，这种选择并不是没有风险，尤其在汇率浮动时。
　　"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."
　　“在过去的十年里，港币兑换人民币汇率下跌24%。所以，即便香港保险产品的回报更高，你也在过去的五到十年里损失了24%。所以，从投资的角度看来，一考虑到汇率波动因素，你也许无法从香港保险产品里获得预期的收益。”
　　Hong Kong has seen its insurance market expanding rapidly in recent years.
　　近些年，香港保险市场迅速扩张。
　　With a population of around 7 million, the city has about 160 insurers, the largest number of authorized insurance companies in Asia.
　　香港大约有700万人口，160家保险公司，是亚洲授权保险公司数量最大的城市。
　　来源:人民网