马来西亚中华大会堂总会

马来西亚中华大会堂总会(华总)总会长丹斯里吴添泉 10建议评论经济与人民配套加强版:冀扩大暂缓还贷与薪金补贴

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华总会长丹斯里吴添泉 建议政府进一步扩大暂缓还贷与薪金补贴计划范畴,让所有受疫情或全面封锁影响的各领域个人和企业都能够受惠或申请。

薪金补贴方面,他认为这次宣布只延长一个月是“杯水车薪”的,并建议至少3个月才有效协助雇员保着就业机会。

重新推出的暂缓还贷方面,他认为不应只锁定在低收入、失业人士和微型及中小型企业,毕竟在疫情浪潮冲击下几乎无一幸免,大型企业和中等收入群体也应被照顾:“以大型企业为例,因涉及的营运成本开销和财务压力各层面更大,影响的失业人口和经济面更广泛,同样应该获得照顾,政府不应‘避重就轻’。”

随着更多公务员和私人界员工被安排居家作业,人民受促待在家和学生上网课用电量激增下,他建议政府也应该为家庭用户提供“可减轻”的电费折扣或优惠。

吴添泉今天发表文告评论总值400亿令吉的“经济与人民强化配套加强版” (PEMERKASA TAMBAHAN)时表示,华总支持政府这次推出的第7个抗疫财援经济配套,以及首相所强调的提升公共卫生能力、继续关怀人民议程以及支持商业永续的3大鲜明目标 。

他说,虽然政府自疫情发生以来已经推出总值3400亿令吉的各项援助和刺激经济配套,但基于国内疫情这次急速恶化的最严峻当前,有关的加强版配套还是有必要落实的:“这次宣布的措施,许多也符合华总之前向政府和有关方面所提出的多项看法和建议。”

他说,华总全面支持政府再拨出10亿令吉充作提升与加强公共卫生机构和稳固医疗体系,再加上之前宣布的650亿令吉冠病基金,以及通过国家冠病疫苗接种计划协调加速推行全国疫苗接种计划(PICK)计划,希望通过订购引进充足的疫苗,让国家早日达到群体免疫目标,因疫苗已是当前全球社会公认朝向群体免疫的最有效方案。

他说,政府通过延续过去关怀精神,整合与加强了这次的配套,包括持续推行人民关怀援助金计划,关怀特别援助金、中小型企业与微商援助金,低息贷款,延长拥屋运动豁免印花税、以及本地组装车(CKD)及整装进口车(CBU)豁免销售税(SST)至年杪,自雇和零工经济群体包括司机和导游援助金,关怀网络计划以及电子青年计划等等,都是值得欢迎与支持的。

“政府这次实施全面封锁行管令,可说孤注一掷之策,尤其是在对抗疫情方面,只要人民和企业商家全面配合,抱着诚如首相所说的‘不成功便成仁’态度共克时艰,便能够达到上述3大目标的同时,也协助我国最终在防控疫情方面取得正面进展并朝向成功。

华总 针对这次的加强版配套提出以下10项看法和建议:

1:6月开始重新推出的暂缓贷款(Moratorium),除惠及低收入(B40)和失业者,以及在行管令期间不被允许营业的微型及中小型企业外,也应进一步扩大到所有面对财务和还贷问题的群体,包括中等收入(M40)和在这期间不获允许营业的大型企业,让这些群体同样获得申请自动(或针对性)3个月暂缓还贷或6个月减少还贷额50%的资格。

2:支持政府延长各受影响领域的薪金补贴(WSP),惟拨款15亿令吉供延长为期一个月是不足够的,应至少3个月才更有效协助受疫情和全面封锁影响的行业。

3:政府只豁免雇主缴交1个月(6月份)的人力资源发展基金(HRDF)或人头税。建议应延长至少3个月。

4:建议通过国民储蓄银行(BSN)、创业集团商业基金(TEKUN)、人民信托局(MARA)、中小型企业机构(SME Corp)及大马伊斯兰经济发展基金会(YaPEIM)提供的微商贷款3%利息再下调,以不超过2.5%或更低,减轻借贷者的还贷负担。

5:建议通过国家银行为中小型企业和微型企业推出的“针对性援助和复原设施(TRRF)计划下的3.5%融资年利率计划,应伸缩性和针对性进行,以申请和所批准的贷款额多寡“分利率等级”(如贷额越低就享有更低利率),而非一致性。

6:除了受冲击行业的商业领域享有3个月的10%电费折扣外,政府也应为家庭用户提供电费折扣或优惠至少3个月或到今年杪。尤其是目前80%公务员和40%私人界被安排居家作业,人民待在家和学生上网课等,用电量肯定激增,政府与能源公司应协助减轻人民的电费负担。

7:一系列扶助弱势群体的人民关怀计划如援助金(BPR)和特别补助金(GKP)等至少持续延长到今年杪,并视实际需要而加码。

8:除一系列支援企业商家和人民百姓,政府也应扩大到各族民间非盈利组织,如华团、民办安老院、福利组织、宗教场所和义山组织等,为有关群体必要的拨款协助,协助有关领域度过难关。

9:对首相宣布内阁正副部长不领薪3个月款项纳入国家天灾信托户头,以及政府首席秘书宣布80万公务员(不包括前线人员及1-28级公务员)将捐出应酬津贴的作法表示认同。建议受委为中央政府机构、官联公司或企业领导人的政治人物(以及非政治人物)领导人,也作出类似响应。

10:加强与各州政府及私人界协调,加速疫苗接种计划,关注和化解登记者因各种原因而缺席接种的浪费资源问题;审时度势拟定和执行标准作业程序,作出一切必要和有效的防控疫情措施。

🔻Huazong calls for expansion of loan moratorium and wage subsidy scheme to better help the people and businesses🔺

The Federation of Chinese Associations Malaysia (Huazong) has proposed the government to further expand the scope of loan moratorium and wage subsidy scheme, to better reach and assist those individuals and businesses adversely affected by the persisting Covid-19 pandemic.

In his response to the Prime Minister’s announcement of the RM40 billion Pemerkasa Plus economic aid programme, on Monday, which includes RM5 billion direct fiscal injection from the federal government, Huazong President Tan Sri T.C Goh opines that the extension of the wage subsidy program (WSP) for one month was insufficient, just like a “drop in the bucket”. He suggested the government extend the said program to three months, at least, so that it would be more effective in saving the employees’ jobs.

As for the latest round of loan moratorium, he opines that it should not only be confined to the low-income group, those who have lost their jobs, and micro and small and medium enterprises as, the pandemic spares no one, including big corporations and the middle-income group, and they too should be taken care of by the government.

He underscored that, the government must not ignore the plights of the big corporations who usually have higher business overhead and greater financial burden, besides having a wider and greater impact on the national economy, including employment for the people.

Noting that with a majority of employees in both the public and private sectors required to ‘work from home’, while teachers and students too are required to conduct online teaching/learning from home, he implored the government to provide more discount or rebate for household electricity bills.

Goh said Huazong welcomes and supports the government’s move of rolling out the Pemerkasa Plus economic aid programme, which is the 7th of its series of financial aid packages, since the Covid-19 outbreak in December 2019. Huazong also welcomes the three main thrusts of the aid program namely, boosting public health capacity, continuing the ‘Prihatin Rakyat’ agenda, and ensuring business sustainability.

He also recognized that it was timely and appropriate that the government rolled out the said aid programme in view of the worsening pandemic throughout the country, of late, although it had previously rolled out various economic stimulus packages to the tune of RM340 billion since the Covid-19 outbreak.

“We are glad that quite a number of measures contained in the Pemerkasa Plus economic aid programme are in line with some of the views and proposals put forward by Huazong, recently,” he said.

He said Huazong fully supports the government’s allocation of RM1 billion to stabilize and to boost public health capacity. This was in addition to the RM65 billion Covid-19 Fund announced previously for the implementation of the National Covid-19 Immunisation Program (PICK). He thus hoped the government could speed up acquisition of Covid-19 vaccines, so that the country could achieve ‘herd immunity’, soonest.

Meanwhile, Huazong has come out with a 10-point proposal to complement the Pemerkasa Plus economic aid program, as follows:

1. To further expand the loan moratorium for those in the B40 group, those who lost employment, and small-and-medium enterprises that can’t operate during the MCO, which comes into effect on 1 June, to also include the M40 group and big corporations which are not allowed to operate during the two-week total lockdown, allowing them to apply for a three-month loan moratorium or six months of 50 percent reduced loan repayments.

2. To extend the RM1.5 billion wage subsidy program (WSP) to three months at least, so that it would be more effective in helping those who are adversely affected by the pandemic and the total lockdown.

3. Proposing the government to extend the exemption of the Human Resource Development Fund levy payment by the employers, for one month (June), to three months, at least.

4. Proposing the government to further lower the interest rate for microcredit loans from BSN, Tekun, Mara, SME Corp and Yapeim for traders and micro-entrepreneurs, from the existing three percent to 2.5% or much lower, so as to help ease the borrowers’ burden of paying back the loan.

5. Proposing the government to be more flexible and targeted with the implementation of the Bank Negara’s Targeted Relief and Recovery Facility (TRRF) which would offer loans to small-and-medium enterprises at 3.5 percent interest rate. Instead of imposing a 3.5% interest rate across the board, a much lower interest rate should be considered for borrowers of smaller loans.

6. Besides providing a 10 percent discount on electricity bills for hotel operators, tour agencies, shopping complexes, convention centres, theme parks, and local airline offices from July to September, the government should consider extending the same discount to domestic power consumers, for three months at least, or until the end of the year. This is in view of the fact that currently, 80% of civil servants and 40% of private sector employees are required to work from home, while teachers and students are required to conduct online teaching/learning from home. Hence, it is hoped that the government and the power utility company could do the necessary to help ease the people’s financial burden amidst the current tough situation.

7. Urging the government to extend its series of Prihatin Rakyat aids including the Prihatin Special Grant (GKP) to those needy and deserving individuals, at least until the end of this year, and to boost such aid, if and when circumstances arise.

8. Government should also expand its aid programs to assist struggling community-based non-profit organizations, such as Chinese organizations, old folks homes, welfare organizations, community-run places of worship and cemeteries, to help them to get through this difficult period of time.

9. Huazong welcomes the announcement of the prime minister that all Cabinet ministers and deputy ministers will forego their salary for three months starting June, and to be contributed to the Disaster Trust Fund to finance expenses related to Covid-19, besides the announcement that a portion of fixed allowances of over 800,000 civil servants, not including frontline personnel and those in Grades 1 to 28, will be channeled to the same trust fund, for three months, as a manifestation of solidarity in dealing with the Covid-19 pandemic.

Huazong also called on politicians and non-politicians who are appointed to helm Federal government agencies, government-link companies (GLCs) or government-linked enterprises (GLEs), to emulate the same.

10. Urging the federal government to step up coordination with state governments and private sector to expedite the National Immunisation Program, and to pay serious attention to promptly resolve issues related to absenteeism and registration for vaccination which contributed to unnecessary wastage of limited government resources. And to continue to formulate and execute SOPs which are effective in containing Covid-19.

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