南方财经21世纪经济报道记者张伟泽 实习生王艺之 香港报道 9月19日，香港保险业监管局（保监局）行为监管部主管吴维权在记者会上宣布，面对2024年5月通函中 公布的部分保险经纪公司将超过90%的佣金支付予转介人的市场乱象，保监局将划定保险经纪机构向转 介方支付转介费的"红线"，即自2025年10月1日起，转介费将实行50%的基准水平。 吴维权强调，选择在10月1日这个时间节点上线，是因应"十一黄金周"内地游客赴港买保需求增加的考 量。 近年来，随着内地客户对香港保险产品需求的显著提升，违规无牌销售行为在跨境销售领域亦有所抬 头。香港保监会最新公布的数据显示，2024年，源自内地访客的新造保单保费录得628亿港元，相较于 2023年实现了6.5%的增长，并占个人业务总新造保单保费的28.6%。 据2024年香港保监局通函，在客户拓展过程中，保险经纪人通过第三方转介获取客户是常见的做法。然 而，面对内地访客业务日益激烈的市场竞争，部分保险经纪公司采取了扭曲的转介模式。其主要原因在 于这些经纪公司将超过90%的佣金作为转介费，从而诱使转介人在缺乏必要牌照的情况下，向客户进行 销售活动以招揽业务。 鉴于此，2024 ...

Core Viewpoint - The article discusses the evolving landscape of Hong Kong's entertainment and financial sectors, highlighting the resilience and adaptability of its people in the face of changing economic conditions and opportunities. Group 1: Entertainment Industry - The trend of Hong Kong entertainers, including TVB stars, engaging in live streaming and promotional activities reflects a shift towards "re-employment" in the face of economic challenges [2][4][10]. - Notable figures like Wu Zhaoxu and Guo Jinan, despite their wealth, are actively participating in these new ventures, showcasing a blend of nostalgia and modernity in their approach [10][11]. - The "Lion Rock Spirit" embodies the hardworking and resilient nature of Hong Kong people, driving them to seize opportunities even in later stages of their careers [11][12]. Group 2: Financial Environment - According to the UBS Global Wealth Report, Hong Kong ranks third globally in terms of per capita wealth, with an average of 4.72 million HKD [8]. - The financial landscape in Hong Kong is characterized by high financial freedom, allowing investors to engage in various investment opportunities, including stocks and derivatives [17][18]. - The "Carry Trade" strategy, referred to as "港男港女" trading, capitalizes on the interest rate differentials between HKD and USD, providing significant profit opportunities for financial institutions [27][30]. Group 3: Digital Asset Market - Hong Kong is positioning itself as a global hub for digital assets, with government initiatives supporting the development of a compliant ecosystem for cryptocurrencies [46][50]. - The introduction of regulatory frameworks for digital currencies, including stablecoins, is set to create new investment avenues for local investors [49][50]. - The government's proactive stance in fostering a digital asset market contrasts with the restrictions in mainland China, highlighting Hong Kong's unique position in the financial landscape [45][49].

Core Viewpoint - Hong Kong is emerging as a global financial center, benefiting from recent geopolitical shifts and changes in U.S. policies, particularly under Trump's administration [2][5][32]. Financial Landscape - The U.S. is aggressively promoting digital currencies and stablecoins to maintain dollar dominance in the digital economy [8][10]. - The introduction of stablecoins aims to facilitate cross-border payments and enhance regulatory control, positioning the U.S. as a global cryptocurrency hub [12][14]. - Hong Kong is becoming a focal point in the currency competition, with its financial authority actively researching local stablecoin projects to connect domestic and international markets [17][20]. Talent Acquisition - Recent U.S. policies have led to a significant number of international students facing challenges, prompting institutions in Hong Kong to create pathways for these students [23][28]. - Hong Kong universities are responding with scholarships and programs to attract displaced international students, enhancing their academic environment and global influence [30][31]. Investment Trends - There has been a notable increase in foreign capital inflow into Hong Kong's fund market, reaching a near 10-year high, particularly in private equity and family wealth management [35]. - The tightening of U.S. policies is seen as a catalyst for capital and talent to flow into Hong Kong, enhancing its asset attractiveness [36][34]. Insurance Market Dynamics - The Hong Kong Insurance Authority announced a reduction in the demonstration interest rate for participating policies, leading to a surge in demand for higher-yield products before the change takes effect [38][40]. - The difference in compounding interest rates (7% vs. 6.5%) has significant long-term financial implications, driving investors to seek opportunities in Hong Kong [41][42]. Conclusion - The current global economic instability is shifting investment preferences towards conservative strategies focused on capital preservation, making Hong Kong an appealing destination for such investments [46][47].