本报记者 秦伟 香港报道

Our correspondent reported QinWei Hong Kong

　　近期，美国投资移民EB-5计划的一起诉讼，摧毁了超过250名投资者的美国移民梦。

recent,The United States investment immigrant EB - 5 plan together with the action,Destroyed more than 250 investors dream immigration to the United States.

　　2013年2月6日，北伊利诺伊州地区法院受理了美国证监会对“芝加哥会议中心”提起的证券欺诈诉讼，美国证监会并要求法院冻结该项目的所有资金。此案在那些拟通过第三国投资移民香港的富人圈里，掀起了波澜。

On February 6, 2013,In the northern Illinois court in the United States to the CSRC"Chicago convention center"A securities fraud action,The United States securities and asked a court to freeze the project all of the funds.The case in those proposed by a third country investment immigrant Hong Kong's rich circles,Caused quite an.

　　去年，一则香港投资移民门槛可能会提到2000万港元的传言，让香港的投资移民生意着实火了一把。

Last year,A Hong Kong investment immigrant threshold may be mentioned that hk $20 million,Let Hong Kong investment immigrant business was a fire.

　　2012年前三季度，申请来港的投资移民数量达到3744宗，超过2011年全年总量，其中，96%申请者为中国内地人士。去年12月，一份业内报告更预期香港全年的投资移民申请将达到5300宗，相当于同比增加约60%。申请人数有望创下2003年香港开始有投资移民计划以来的第二高。

The third quarter of 2012 years ago,Application to port investment immigration to 3744 cases,More than 2011 total throughout the year,the,96% of the applicant for the Chinese mainland people.Last December,A report is expected in the industry more Hong Kong annual investment immigrant application will reach 5300 cases,Equivalent to about 60% year-on-year increase.The number of application in Hong Kong in 2003 is expected to have investment immigrant plan since the second high.

　　不同国家与地区的投资移民，背后会不会也埋藏着类似的陷阱？

Different countries and regions investment immigrant,Will also buried behind similar trap?

　　香港模式：金融机构参与纵深

Hong Kong model:Financial institutions to participate in depth

　　“香港和美国不一样。” 香港润泰投资移民顾问有限公司总经理黄浩晖对记者解释，两地的投资都限定在政府规定的类别中，但美国的投资移民是“项目市场”，项目背后不一定是美国的银行等金融机构，而香港的投资则被限定在金融体系（包括银行、券商等）内，不会发生芝加哥会议中心那样的骗局。

"Hong Kong and the United States is not the same." Hong Kong embellish Thai investment immigrant consultant co., LTD., general manager HuangHaoHui to reporters,Both investment within government regulations category,But American investment immigrant is"Project market",The project is not the United States behind the Banks and other financial institutions,The Hong Kong investment is limited in the financial system(Including Banks/Brokers, etc)inside,Won't happen Chicago convention center that scam.

　　根据规定，投资者可以投资的资产类别包括股票、债券、存款证、后偿债项、保险（属于合资格集体投资计划），而对于每一类资产又会有详细规定。如股票只能投资以港元交易的在港交所上市的公司股票；债券类则只能投资以港元为单位，由香港上市公司（港元交易的）、香港特区政府、外汇基金、香港按揭证券有限公司、港铁、九广铁路、香港机场管理局以及其他指明的由香港特区政府全资或部分拥有的法团、机构或团体发行或全面保证的定息或浮息工具和可换股债券；存款证指由《银行业条例》订明的认可机构发行的港元存款证，在购买时须距离到期日不少于12个月。

According to the regulation,Investors can investment assets categories include stock/bonds/Certificates of deposit/Debt after a/insurance(Belong to eligible collective investment plan),And for every kind of assets and there will be detailed regulations.Such as stock investment trading only in Hong Kong dollars into in Hong Kong listed company stock;Bonds investment is only in Hong Kong dollars as the unit,By the Hong Kong listed company(Hong Kong dollar trade)/The Hong Kong SAR government/Exchange fund/Hong Kong mortgage securities co., LTD/Port iron/The KCRC/Hong Kong airport authority and other specified by the Hong Kong SAR government wholly owned or part of the group have method/Organizations or groups issued or comprehensive guarantee fixed interest or floating rate tools and convertible bonds;Certificates of deposit refers to the[Banking regulations]Prescribed authorized institution issue of the Hong Kong dollar certificates of deposit,When buy must distance due date not less than 12 months.

　　“香港也有被骗的。”黄浩晖表示，在投资移民的链条中，第一环移民中介就可能存在风险。

"Hong Kong also has to be lied to."HuangHaoHui said,In the investment in the chain of immigrants,The first ring immigration intermediary may risk.

　　根据规定，除了澳门居民和台湾居民可直接办理外，中国籍内地人士还须已经取得外国永久居民身份才可以申请香港投资移民。在移民中介将资料提交至香港入境处后，大约6个月的时间可以获得入境处的原则性批准书，获得批准后的6个月内需要将1000万港元投资到港。

According to the regulation,In addition to macau residents and Taiwan residents can directly deal with outside,Mainland Chinese people must have made foreign to you just can apply for permanent resident status of the Hong Kong investment immigrant.In the immigration intermediary will material submitted to the Hong Kong SAR,About the time of 6 months can get the immigration department of the principle,Approval within 6 months of hk $10 million to invest in Hong Kong.

　　“1000万港元可以在拿到批准书之后或者之前就转到香港，但一定是转入投资人自己的账户，而不是移民中介的公司账户。”黄浩晖坦言，以前就曾有过一个香港移民顾问公司，欺骗投资者把1000万港元在整个移民程序的前期就转到公司账户，用这种简单的手法从投资者手上骗到约1亿港元，随后公司倒闭，老板也不见身影。

"Hk $10 million can get the instrument of ratification before or after he turned to Hong Kong,But it must be to investors own account,Instead of immigration intermediary company account."HuangHaoHui said,Ago had a Hong Kong immigration consultants,Cheating investors to hk $10 million in the immigration program is transferred to the company account,In this simple technique from the investor hand got about hk $100 million,Then the company went out of business,The boss also see figure.

　　2010年，为了控制投资移民人数，香港政府把投资移民的门槛从650万港元提高到1000万港元，申请数量从每月约600宗锐减至50宗左右，缩减了90%以上的业务量让香港的移民中介也经历了一次洗牌。然而，一次整合显然无法保证移民中介不玩花样。

In 2010,,In order to control investment immigration,The Hong Kong government to the threshold of the investment immigrant from hk $6.5 million to hk $10 million to improve,The number of applications from about 600 cases per month cut to cases of or so,The reduced more than 90% of the volume let Hong Kong immigration intermediary also experienced a shuffle.however,An integrated obviously cannot assure immigration intermediary not WanHuaYang.

　　黄浩晖提醒投资者，在选定移民中介前，最好通过网络等渠道了解公司的情况。

HuangHaoHui remind investors,The selected before the immigration intermediary,The best channel such as through the network to understand the company.

　　“解冻”1000万港元？

"thaw"Hk $10 million?

　　根据香港投资移民的规定，在拿到原则性批准书并完成1000万港元的投资后，投资者就可以获得香港身份证。在此后的7年内，投资者需要持续地在港持有这1000万港元，不得撤资或投资其他允许投资资产列表以外的资产类别。

According to the provisions of the Hong Kong investment immigrant,Get the principle instrument of ratification and complete the hk $10 million investment,Investors can get Hong Kong id card.In the next seven years,Investors need to continue to hold the hk $10 million in Hong Kong,Not pull the plug or investment other allows investment assets list outside of the asset class.

　　对于大部分选择投资移民的人士来说，“冻结”1000万港元并不会带来很大影响，但对于少数人来说，能在7年间抽出部分资金仍然是一项诱人的选择。

For most people, choose investment immigrant,"freezing"Hk $10 million will not affect greatly,But for a few people,In seven years for spare part of funds is still a tempting option.

　　“在香港，有券商会做一些灰色地带的操作，给客户提供信用额度，允许其抽出部分资金，相当于是变相质押资产。”一位在香港银行负责个人投资移民账户业务的人士透露，投资者需要向提供服务的券商支付利息，一般来说，利率水平介于香港贷款利率和内地贷款利率之间，对于需要现金流的人士来说具有一定吸引力。

"In Hong Kong,Have brokers will do some gray area of operation,To provide the customer credit limit,Allow the spare part of funds,Quite so disguised pledged assets."A bank in Hong Kong responsible for personal investment immigrant account business sources,Investors need to provide service to the dealer to pay interest,Generally speaking,Interest rates between Hong Kong and the mainland loan interest rate between the loan interest rate,The need for cash flow for the people have a certain appeal.

　　而根据规定，用于投资移民的1000万港元资产不能做任何抵押，只能用于投资指定产品，除了债券或股票的现金分红可以取出外，1000万港元原始资金及其他形式的收益均须留在投资账户内。

And according to the regulation,Used for investment immigrant 10 million Hong Kong dollar assets can't do any mortgage,Can only be used for investment designated products,In addition to bond or stock cash dividends can remove outer,Hk $10 million original funds and other forms of income shall be in the investment account.

　　“改变投资组合需要在14个日历天内向移民局申报。”上述银行人士介绍指，如果在7年间更换开户的金融机构，投资者也只能将全部资金一次性转入新账户，而不能只转其中的一部分。

"Change the portfolio need 14 calendar days declare immigration."The bankers to introduce,If in the seven years for replacement of financial institutions to open an account,Investors are also only will all one-time funds into the new account,Not just turn part of it.

　　“如果刚投资1年被移民局发现还好，而要是在已经投资6年半时被发现就惨了。”黄浩晖指出，类似的私下抵押是明显的违规操作，在投资满7年时，如果移民局在审批永久居民身份时要求投资者提供额外的投资交易资料，这种私下抵押的行为可能影响审批结果。

"If just 1 year investment by immigration found ok,And if in has investment 6 years half was found miserably."HuangHaoHui pointed out that,Similar private mortgage is obvious illegal operation,Investment in seven years,If immigration in the examination and approval of permanent resident status for investors to provide additional investment transaction information,This kind of private mortgage behavior may affect the results of examination and approval.