Singapore may hold the dubious¹ title of "most expensive city in the world," but it remains² the most popular place for expats to live and work, according to an annual survey of expats released by HSBC.

尽管新加坡拥有饱受争议的头衔"世界上最昂贵的城市"，但是根据汇丰银行公布的年度移民地调查，它依然是华侨工作和生活的最佳选择。

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).

侨民高度赞扬新加坡诱人的薪资，职业发展机会和生活质量。尽管新加坡的日常开销惨目忍睹（包括交通费是纽约的三倍），仍有超过四分之一的侨民向2015年移民地调查官表示，他们的年收入超过200000美金（相比于全球13%侨民）。

A salary increase or chance to get ahead in a career are often the big incentives³ 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 immediate⁴ increase in their pay, but more than half, 53%, said their quality of life had improved after moving.

薪资的增长和事业取得头筹的机遇往往是移居国外的主要动机，但是汇丰银行发现，越来越多的侨民出于个人原因为了周游他国而移民，并不是由于经济原因。被调查的5名侨民中有3名声称他们并没有经历过薪资的飞涨，但是超过一半，53%的人觉得他们的生活质量在移民后提高。

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.

为了提升幸福感，侨民往往选择新西兰，西班牙和葡萄牙作为移民地，而瑞典对于扯家带口的侨民来说最有吸引力，因为它拥有宽泛的育儿选择和井然有序的学校。

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.

来自39个国家的21950人参与了汇丰银行2015年度的调查，银行要求他们分享关于职业，经济福利到生活质量的各方面观点。新西兰，瑞典，巴林和德国位居理想移民地前五，然后埃及，意大利和巴西位于末端。

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).

调查并没有考虑人权问题。根据人权属观察，巴林的人权仍然问题重重（位列第4），阿联酋人权问题严重（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 accommodation⁵ allowance. The global average for both measures was just 33%.

福利待遇最好的国家仍然位于中东。阿曼接受调查侨民中的80%拿到了回家的机票津贴，卡塔尔75%的被调查侨民拿到了住宿津贴。这两项措施的全球平均覆盖率仅有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.

中东以外地区的合同福利并不常见。只有超过一半的全球侨民（52%）收到健康医疗补贴，超过五分之一（21%）的拿到了再安居津贴。

HSBC's results differ considerably⁶ 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, affordable⁷ healthcare and high levels of personal satisfaction. Mexico and Malta also ranked higher than Singapore, which came in at No. 4.

八月，InterNations公布的一项类似调查结果和汇丰大相径庭，该组织是由180万在国外生活和工作的侨民组成的。InterNations将厄瓜多尔列为移民最佳地，因为它生活成本低廉，医疗费用低，个人满意度高。墨西哥和马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 components⁸ that also influence your expat life," explained InterNations founder⁹ 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."

"像新加坡这样的城市，收入状况和生活质量都相当不错，但是仍然有一些其他因素在影响你的移民生活，"InterNations的创始人Malte Zeeck谈到。"本地人对外来人口的包容度和定居的难易度是我们非常关心的。这些问题在不同国家和不相同，比如厄瓜多尔和墨西哥相比瑞典，德国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.

事实上，在汇丰银行前十移民地中的一些国家，侨民并不觉得他们很好的融入了当地文化和居民。在汇丰银行调查结果第九和第十的阿拉伯联合酋长国和瑞士，只有分别42%和43%的人觉得他们融入了当地文化和居民。尽管新加坡位于榜首，只有54%的移民说他们很乐于沉浸在本土文化中。