作为欧盟和欧元区成员国，马耳他拥有由马耳他金融服务管理局（MFSA）监管的稳定金融体系。这里既有本地银行，也有国际银行，为企业及投资者提供多样化服务。凭借优惠的税收政策和欧洲市场准入优势，马耳他已成为金融科技、资产管理和金融服务的首选之地。

Starting with banking and finance, as a member of the EU and the Eurozone, Malta has a stable financial sector regulated by the Malta Financial Services Authority (MFSA). The country is known for its strong banking system, offering both local and international banks that cater to businesses and investors. With an attractive tax regime and access to European markets, Malta is a prime location for financial services, fintech, and asset management firms.

马耳他是全球首批出台数字资产法规的国家之一，素有"区块链之岛"的美誉。这一先发优势吸引了众多加密货币交易所、金融科技初创企业和投资者，他们看中的正是这里安全且规范的营商环境。

Speaking of blockchain and crypto, Malta was one of the first countries to introduce regulations for digital assets, earning its nickname as the “Blockchain Island.” This has attracted major crypto exchanges, fintech startups, and investors looking for a secure, regulated environment.

受外籍人士、数字游民和投资者的强劲需求推动，马耳他房地产市场持续升温，房产价格年均涨幅接近10%。旅游业也是马耳他的经济支柱，每年接待约300万游客（不含邮轮旅客），为酒店、餐饮和娱乐产业创造了大量商机。

The real estate sector is also thriving. With strong demand from expats, digital nomads, and investors, Malta offers attractive property options, with property prices estimated to increase by almost 10% year on year. Tourism and hospitality remain key pillars of Malta’s economy, with around 3 million tourists, excluding cruise line visitors, creating opportunities for hotels, restaurants, and entertainment businesses.

常有人问：中国投资者如何在马耳他寻找机会？我们认为，房地产资产管理、投资基金、旅游服务等领域都能提供稳定收益，而面向金融业的科技公司也蕴藏潜力。马耳他多元化的投资选择，正适合寻求资产配置的国际投资者。

A common question is where one can invest in Malta and how Chinese entrepreneurs can get involved in the investment opportunities available. The response is that there are promising avenues for investment in real asset management, investment funds, tourism and hospitality sectors, all of which offer consistently high yields. Additionally, there is potential for investment in technology companies that cater to financial services. Malta presents a wealth of opportunities for savvy investors looking to diversify their portfolios and capitalize on the thriving sectors within the country.

这一切的发展根基，源于马耳他稳定完善的法律体系。

马耳他法律融合大陆法系和普通法系传统，为商业活动提供灵活框架。作为欧盟成员，其司法独立且遵循欧洲标准，这为投资者提供了三重保障：

这种法治环境特别有利于科技、金融、游戏等创新行业的发展。政府还通过签订双重征税协定等举措，持续优化投资生态。

This growth and these possibilities are there because of a stable legal and regulatory landscape we have in Malta.

Malta’s legal system is a hybrid of civil and common law traditions, providing a versatile foundation for business operations. The rule of law in Malta is essential for ensuring justice, promoting democratic values, and protecting individual rights. It serves as the foundation for a stable society where citizens can thrive.

As a member of the European Union, Malta adheres to the principles and standards of European law, reinforcing the importance of the rule of law in safeguarding democracy and human rights. Key investor benefits include:

This stable legal environment makes Malta particularly attractive for tech, financial services, and innovative industries.

马耳他致力于打造安全、透明且具有高度可预测性的商业环境，正日益成为国内外投资者的理想投资目的地。随着马耳他不断完善法律体系建设、持续强化法治保障，这个充满活力的市场正吸引着越来越多寻求投资机遇的投资者目光。

By fostering a secure, transparent, and predictable business environment, Malta positions itself as the destination for both local and foreign investors. As the country continues to strengthen its legal institutions and uphold the rule of law, it will likely see increased interest from investors eager to capitalize on the opportunities available in this vibrant market.

To be continued.