| 1. | The iwg will meet regularly to consider and take forward initiatives that are conducive to fulfilling the above functions
工作小组会定期开会，商讨及推动落实有关执行上述工作的具体计划。 |
| 2. | The iwg continues to work on reviewing other aspects of the code and hopes to release further papers for consultation shortly
工作小组仍会继续检讨银行营运守则其他部分，并希望短期内发出其他文件以进行谘询。 |
| 3. | In finalising the recommendations , the iwg has taken into account comments received from the industry associations and the consumer council
在落实有关建议的过程中，工作小组已考虑到业内公会及消费者委员会提出的意见。 |
| 4. | The iwg comprises representatives from both the hkma and the banking industry , and is chaired by mr william ryback , deputy chief executive of the hkma
工作小组由金管局及银行界代表组成，并由金管局副总裁韦柏康担任主席。 |
| 5. | The iwg has also put forward two proposals to bring the existing practices of ais more into line with international practices , to the benefit of consumers
工作小组亦提出两项建议，旨在使认可机构的经营手法与国际惯常做法看，以保障消费者的利益。 |
| 6. | A total of 19 authorized institutions , which include institutions of different sizes and business focus , were nominated as members of the iwg by the two industry associations
共有间规模与业务重点各有不同的认可机构获两个业内公会选任为工作小组的成员。 |
| 7. | Where appropriate , user sub - groups led by industry representatives will be formed under the iwg to facilitate more in - depth review and discussion of individual areas ; and
工作小组在有需要的情况下亦会成立由业界代表领导的专项小组，以便更深入检讨及商议个别环节以及 |
| 8. | The iwg believes that these recommended practices will help make the terms and conditions for card services fairer , more transparent and more consumer - friendly
工作小组相信，这些建议经营手法将有助使卡服务的章则及条款更符合公平与高透明的原则，以及更能顾及消费者的需要。 |
| 9. | In view of the increasing public concern about the practices of ais in relation to the provision of credit card services , the iwg has accelerated consideration of these issues
鉴于公众日益关注认可机构在提供信用卡服务方面的手法，因此工作小组加快研究有关信用卡服务的事项。 |
| 10. | The iwg aimed at strengthening the provisions of the code in the light of its operation in the past three years and to keep up to date with the latest developments of the banking industry
检讨目的是要根据过去年的运作经验来加强守则内容，以配合银行业的最新发展。守则的主要修订内容包括： |
