中國內地遊客蜂擁赴香港購買保險產品
Latest figures suggest a growing number of Chinese mainland residents are travelling to Hong Kong to buy insurance products and services.
最新數據顯示，越來越多的中國大陸居民正在前往香港旅遊併購買保險產品和服務。Hong Kong agents are banned from selling their products on the mainland, but mainland travelers can buy policies when they visit the city.
中國大陸禁止香港代理商在大陸出售產品，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. That represents nearly a five-fold increase from 2011.
香港保險業監理處公佈的數據顯示，去年前三季度，大陸游客在香港購買價值27億美元的保險，佔香港同時期新增保險費的22%。這一數字較2011年增長了近5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認爲，香港保險產品價廉利多是吸引大陸購買者的關鍵因素。"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，香港的保險產品比大陸市場的要便宜。一些極端例子中，香港產品和大陸產品之間價格甚至相差一半的折扣。比如，在過去十年裏，香港保險產品的平均期望收益是5%-9%，而大陸的則要低於5%。所以，如果你只要確定匯率穩定，那麼香港保險產品的回報就更吸引人。”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.
分析師表示，香港提供的保險產品在其他很多方面也超過大陸產品，比如產品創新，維護目標和服務質量。Hong Kong has seen its insurance market expanding rapidly in recent years. With a population of around 7 million, the city has about 160 insurers, the largest number of authorized insurance companies in Asia.
近些年，香港保險市場迅速擴張。香港大約有700萬人口，160家保險公司，是亞洲授權保險公司數量最大的城市。
