Mr. Li from Hangzhou opened an account with Futu in 2024 and gradually deposited several hundred thousand Hong Kong dollars into it to trade Hong Kong stocks. This year, he wanted to open another account to diversify his risk, but discovered that the Futu and Tiger apps had long been removed from mainland app stores, and clicking on the account opening links resulted in a message stating, ”Services are not available to users within China.”

Ms. Li from Shenzhen has an average educational background and average English skills. She doesn’t meet the points requirements for the ”Talent” or “Highly Skilled” immigration programs, but she wants to secure 15 years of free education in Hong Kong for her child. She used to think that “obtaining Hong Kong residency” was the exclusive privilege of academic stars and the wealthy—until a friend pointed out that she could also obtain residency by pursuing a one-year master’s degree in Hong Kong.

在拼多多卖家居的老李，年销售额200万，以前核定征收个税按1%交，一年也就2万。2026年他收到税务局通知：转为查账征收。一算账，利润30万要交个税约4.5万，总税负可能从2万涨到8到10万。 这不是个案。

广州做亚马逊的陈姐，这两年一直在纠结一件事：同样是出口，有的同行能拿退税，有的说”无票免税”不用退，还有的压根没搞清楚自己该选哪种报关模式，结果税负差出一大截。

做拉美市场的张哥，在美客多（Mercado Libre）上开了店，第一单就卡在物流上：自发货寄出去二十多天买家才收到，差评来得比订单还快。他后来听说官方仓能48小时达，又担心囤货压资金。 美客多的物流，本质是”选模式”的问题。