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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前往香港旅游并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.
中国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. That represents nearly a five-fold increase from 2011.
香港保险业监理处公布的数据显示，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%。这一数字较2011年增长了近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.
来自香港交通银行国际控股公司的洪浩认为，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要便宜。一些极端例子中，香港产品和大陆产品之间价格甚至相差一半的折扣。比如，在过去十年里，香港保险产品的平均期望收益是5%-9%，而大陆的则要低于5%。所以，如果你只要确定汇率稳定，那么香港保险产品的回报就更吸引人。”
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.
分析师表示，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。
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，香港保险市场迅速扩张。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。
