小收煞: 囚錢 (Part 4)

Sources:

Bottom: https://www.facebook.com/AIAHongKong/videos/

假設你是這個博客的長期讀者，也順時序閱讀過去幾個月的文章，對於中國政府向中國居民購買的境外保險收益徵稅，稅率跟離岸信託一樣（20%），應該不會覺得意外。官府既然向股票賬戶和銀行賬戶落手，然後向離岸信託徵稅，就不會放過中國居民在香港購買的保險產品。原因很簡單，都是理財產品，都是走資渠道。殺得一個，就不可以放生第二個，否則形成漏洞。精神相通，是同一件事。

以下轉發兩篇重要的報導：第一篇是觸發在香港和倫敦上市的保險股股價下跌的《財新網》獨家新聞（發佈日期：2026 年 8 月 5 日）。第二篇是 Financial Times 的報導，主題是中國官方的追稅行動追溯期可以 Date back 至 2000 年，題目：China launches global tax hunt going back decades（發表日期：Aug 5, 2026）。

預告：下一篇，寫 2026 年 7 月 31 日發布的《國務院關於出境入境管理的規定》對香港所帶來的影響。

延伸閱讀／參考資料：

獨家

境外所得徵稅 保險收益計稅詳解（含視頻）

王小青 發自香港

【財新網】2026 年 8 月 5 日

https://finance.caixin.com/2026-08-05/102471513.html?sourceEntityId=102471644

港險收益徵稅衝擊倫敦市場 保誠盤重挫13%

岳躍 發自英國倫敦

【財新網】2026 年 8 月 6 日

https://finance.caixin.com/2026-08-06/102471644.html

節錄：中國居民境外保險收益課稅個案出現後，衝擊迅速傳導至倫敦資本市場。 8 月 5 日，英國保險集團保誠（LSE：PRU）股價盤中一度重挫 13%，收報 10.25 英鎊，下跌 6.39%；匯豐控股（LSE：HSBA）盤中一度跌逾 6%，收報 15.11 英鎊，下跌 4.67%；渣打集團（LSE：STAN）英鎊收報 22.12 英鎊，下跌 1.60%。

倫敦市場分析稱，財新當天的報告是這次波動的直接導火線。據財新向稅務律師、商業銀行及香港保險業人士多方了解，北京、杭州等地已經出現對香港保險收益徵收個人所得稅的案例，涉及保險分紅和預繳保費利息兩類收益，個案適用稅率為 20%。不過，目前徵稅並不具普遍性，也尚無統一、明確的執行標準。

Shares of HK insurers hit by report of national tax

RTHK 2026-08-06

https://gbcode.rthk.hk/TuniS/news.rthk.hk/rthk/en/component/k2/1865191-20260806.htm?spTabChangeable=0

Key Points:

Hong Kong-listed shares of major insurers, led by Prudential and AIA Group, fell sharply on Thursday after Caixin reported that national authorities are levying taxes on insurance policy income earned outside the mainland.

Beijing and Hangzhou authorities have started to apply personal income tax rates of 20 percent on returns from Hong Kong insurance policies, including dividend payouts and interest earned on prepaid premiums, Caixin reported on Wednesday.

The move was seen by analysts as a potential sharpening of increased scrutiny of non-mainland investments. That saw share plunges of HK$6.35, or 8.17 percent, to HK$71.40 for AIA Group, HK$6.40, or 5.63 percent, to HK$107.30 for Prudential and HK$1.88, or 5.97 percent, to HK$29.60 for FWD Group, dragging the Hang Seng Index more than two percent lower in early trading on Thursday.

Hong Kong was Prudential's largest profit contributor in 2025. In its annual results in March, it attributed its 12 percent growth in new business profit in the financial hub to sales growth across both domestic customers and visitors from the mainland.

Prudential's London-listed shares fell by as much as 13 percent on Wednesday.

Hong Kong insurance has long been a channel for Chinese investors buying assets outside the mainland, with the policies providing more protection than what is available domestically, and related savings and investment products mostly denominated in dollars.

China launches global tax hunt going back decades

Financial Times

Aug 5 2026

https://www.ft.com/content/e17912c0-7691-42f7-8920-b43268930e41?syn-25a6b1a6=1

Intro: China has launched a global hunt for hundreds of billions of dollars in unpaid taxes going back decades as Beijing seeks to fill a deepening fiscal hole by targeting the ultra rich.

Authorities have stepped up scrutiny of overseas capital gains and investments, in some cases going back as far as 2000, in a campaign that comes as Beijing also seeks to expand control of outbound capital flows.（For subscriber only）

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https://xiaoshousha.blogspot.com/2010/08/blog-post.html

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https://xiaoshousha.blogspot.com/2026/08/part-3.html

囚錢 (Part 2)

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https://xiaoshousha.blogspot.com/2026/06/part-2.html

囚錢 (Part 1)

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