"We expected to find the applicants setting out individualized and personal reasons for choosing the university, " the report's author Dr Jane Hemsley-Brown said.

该调查报告的作者简·汉姆斯莱-布朗说：“我们希望学生不要千篇一律，应就选择某大学应说出自己独特的原因。”

There is too much liquidity, explains Brett Hemsley of HSBC in Tokyo. The banks generate more capital than they can use at home, he says, so they have no choice but to go overseas.

因此银行有太多的现金流——汇丰银行的Brett Hemsley解释道，银行产生了超过国内所能消化的大量资金，他们只能选择出海。