調查表明:世界最佳移民地歸屬新加披

Singapore may hold the dubious title of "most expensive city in the world," but it remains the most popular place for expats to live and work, according to an annual survey of expats released by HSBC.

儘管新加坡擁有飽受爭議的頭銜"世界上最昂貴的城市"，但是根據匯豐銀行公佈的年度移民地調查，它依然是華僑工作和生活的最佳選擇。

Expats praised the city-state for its appealing salaries, career development opportunities and quality of life. And despite the eye-watering cost of living day-to-day in Singapore (including transport costs three-times that of New York), more than a quarter of its expats who responded to the 2015 Expat Explorer survey said they earned more than $200,000 per annum (compared to just 13% of expats globally).

僑民高度讚揚新加坡誘人的薪資，職業發展機會和生活質量。儘管新加坡的日常開銷慘目忍睹（包括交通費是紐約的三倍），仍有超過四分之一的僑民向2015年移民地調查官表示，他們的年收入超過200000美金（相比於全球13%僑民）。

A salary increase or chance to get ahead in a career are often the big incentives to move abroad, but an increasing number of expats are travelling to new countries for personal rather than financial reasons, the HSBC study found. Three in five of the people surveyed said they had not experienced an immediate increase in their pay, but more than half, 53%, said their quality of life had improved after moving.

薪資的增長和事業取得頭籌的機遇往往是移居國外的主要動機，但是匯豐銀行發現，越來越多的僑民出於個人原因爲了周遊他國而移民，並不是由於經濟原因。被調查的5名僑民中有3名聲稱他們並沒有經歷過薪資的飛漲，但是超過一半，53%的人覺得他們的生活質量在移民後提高。

Destinations where expats were most likely to have relocated in order to improve wellbeing were New Zealand, Spain and Portugal, while Sweden was the most appealing for expats with families, thanks to ample childcare options and the relative ease of organising schools.

爲了提升幸福感，僑民往往選擇新西蘭，西班牙和葡萄牙作爲移民地，而瑞典對於扯家帶口的僑民來說最有吸引力，因爲它擁有寬泛的育兒選擇和井然有序的學校。

A total of 21,950 people from 39 countries responded to HSBC's 2015 survey and the bank asked them to share their views on everything from career and financial wellbeing to quality of life. New Zealand, Sweden, Bahrain and Germany rounded out the top five overall expat destinations, while Egypt, Italy and Brazil were at the bottom of the pack.

來自39個國家的21950人蔘與了匯豐銀行2015年度的調查，銀行要求他們分享關於職業，經濟福利到生活質量的各方面觀點。新西蘭，瑞典，巴林和德國位居理想移民地前五，然後埃及，意大利和巴西位於末端。

The survey did not take into account issues like human rights, which, according to the Human Rights Watch, remain "highly problematic" in Bahrain (listed at No. 4 in the ranking) and "a serious problem" in the UAE (listed at No. 9).

調查並沒有考慮人權問題。根據人權屬觀察，巴林的人權仍然問題重重（位列第4），阿聯酋人權問題嚴重（位列第9）。

The best benefit packages still come from a placement in the Middle East. Some 80% of expats surveyed in Oman received airfare allowances for trips home, and in Qatar, 75% received an accommodation allowance. The global average for both measures was just 33%.

福利待遇最好的國家仍然位於中東。阿曼接受調查僑民中的80%拿到了回家的機票津貼，卡塔爾75%的被調查僑民拿到了住宿津貼。這兩項措施的全球平均覆蓋率僅有33%。

Contractual benefits in locations outside the Middle East were less common. Just over half of global expats (52%) received health and medical allowances and over a fifth (21%) were given a relocation allowance.

中東以外地區的合同福利並不常見。只有超過一半的全球僑民（52%）收到健康醫療補貼，超過五分之一（21%）的拿到了再安居津貼。

HSBC's results differ considerably from a similar study released in August by InterNations, a global network of 1.8 million members who live and work abroad. InterNations' Expat Insider listed Ecuador as its top expat destination thanks to its low living expenses, affordable healthcare and high levels of personal satisfaction. Mexico and Malta also ranked higher than Singapore, which came in at No. 4.

八月，InterNations公佈的一項類似調查結果和匯豐大相徑庭，該組織是由180萬在國外生活和工作的僑民組成的。InterNations將厄瓜多爾列爲移民最佳地，因爲它生活成本低廉，醫療費用低，個人滿意度高。墨西哥和馬耳他的排名也比位列第四的新加坡高。

"The income situation and quality of life in a country like Singapore is usually quite good, but there are other components that also influence your expat life," explained InterNations founder Malte Zeeck. "Something we value very highly is how friendly locals are towards foreigners and how easy it is to settle in. This can be very different in countries like Ecuador or Mexico than it is in a place like Switzerland, Germany or Singapore."

"像新加坡這樣的城市，收入狀況和生活質量都相當不錯，但是仍然有一些其他因素在影響你的移民生活，"InterNations的創始人Malte Zeeck談到。"本地人對外來人口的包容度和定居的難易度是我們非常關心的。這些問題在不同國家和不相同，比如厄瓜多爾和墨西哥相比瑞典，德國和新加坡有很大不同。"

Indeed, in some instances among the top 10 destinations in HSBC's study, expats did not feel they were integrating well into the local culture or with local people. In the United Arab Emirates and Switzerland, nine and 10 on the HSBC ranking, only 42% and 43%, respectively, felt they were integrating well. And despite its top spot, only 54% of expats in Singapore said they enjoyed immersing themselves in local culture.

事實上，在匯豐銀行前十移民地中的一些國家，僑民並不覺得他們很好的融入了當地文化和居民。在匯豐銀行調查結果第九和第十的阿拉伯聯合酋長國和瑞士，只有分別42%和43%的人覺得他們融入了當地文化和居民。儘管新加坡位於榜首，只有54%的移民說他們很樂於沉浸在本土文化中。