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《新加坡政府必须透明化他们如何使用我们的公积金的十件事》第二部份。作者:鄞义林

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说明:

1.经作者鄞义林先生的同意,转发了他于2014年6月30日在个人博客网站http://thehearttruths.com/2014/07/03/part-2-10-things-the-government-has-to-be-transparent-about-how-they-use-singaporeans-cpf/发表的有关人民行动党政府如何使用新加坡人的公积金进行投资的文章。这是该文章的第二部份。本翻译中文版本与鄞义林先生的原文如有任何词不达意或不一致之处,均以鄞义林先生的英文原文为最终的解释权。

2.这是鄞义林先生发表的文章:《新加坡政府必须透明化他们如何使用我们的公积金的十件事》第二部份。

发表日期:2014年7月3日
July 3, 2014

第二部分全文如下:

第二部份:《新加坡政府必须透明化他们如何使用我们的公积金的十件事》
(PART 2) 10 Things The Government Has To Be Transparent About How They Use Singaporeans’ CPF

我的文章第一部分里谈论了有关GIC最终承认动用了公积金进行投资。这是GIC过去几十年来从来就不肯承认的事实。
GIC也同时承认是知道在动用新加坡人的公积金进行投资。这也是他们过去几十年来不肯承认的事实。
In the first part of the article, I discussed how the government has finally admitted that the GIC does use Singaporeans’ CPF to invest, after years of not admitting to this information. The GIC also admitted to the information, after years of denying knowledge of this.

同样的情况,淡马锡控股也是辩解说,从未动用过我们的公积金进行投资。事实上,他们知道自己在过去已经动用了我们的公积金进行投资。
Similarly, the Temasek Holdings also claimed not to invest our CPF when it is known that they had previously use our CPF to invest.

我们同时发现政府、GIC和淡马锡控股都是在六月初同时更改或披露了有关GIC和淡马锡是如何使用我们的公积金的信息。这是我们新加坡人民过去所不知道的事实。
It was also found that the government, GIC and Temasek Holdings all changed or revealed this information only early last month, in June. Previously, this information of how our CPF is used by the GIC and Temasek Holdings is unknown to Singaporeans.

在本文章第二部份,我们将进一步的分析政府没有让新加坡人民知道,政府是如何动用我们的公积金和相关的差异。我们要求政府在一些领域必须透明化让新加坡人知道是咋回事。
In this article, we further look into some of the things that the government doesn’t tell Singaporeans about what they do with our CPF and the discrepancies, and the areas in which the government needs to be transparent to Singaporeans.

(六)金融管理局、GIC和淡马锡控股的详细报告在哪儿
(6) Where Are the Full Reports of the MAS, GIC and Temasek Holdings

我在本文章第一部份结尾时已经说了,政府必须公布GIC和淡马锡控股的详细报告。这样,新加坡人民可以全面获悉政府是动用我们的公积金投资在GIC和淡马锡控股。
In the first part of this article, I ended off by saying that the government needs to release the full reports of the GIC and Temasek Holdings, so that Singaporeans can be fully aware of how the government is using our CPF to invest in the GIC and Temasek Holdings.

然而,根据政府的说法,他们说“GIC管理的政府基金规模”是不可以向公众透露的。因为,“把GIC所管理的资产实际规模对外公布,那么,必须同时公布金融管理局和淡马锡控股的资产。那就是把新加坡全部的财政储备金。公布我们的全部财政储备规模是不利于国家的利益的。”
However, according to the government, they say that “the size of the Government’s funds managed by GIC” cannot be published because “Revealing the exact size of assets that GIC manages will, taken together with the published assets of MAS and Temasek, amount to publishing the full size of Singapore’s financial reserves (and) It is not in our national interest to publish the full size of our reserves.”

政府同时辩解说,“假设我们公布了整个国家的全部财政储备,那就是让国际金融资本市场在这期间找到弱点对新加坡元进行投机的操作。。。披露我们的全部和我们处理的资源是不明智的。”
The government also claims that, “If we do so, it will make it easier for markets to mount speculative attacks on the Singapore dollar during periods of vulnerability… and it will be unwise to reveal the full and exact resources at our disposal.”
见示图:
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示图一:新加坡财政部——第一部分:国家储备金由哪些部分组成?谁负责管理国家储备金?
Chart 1: The Minister of Finance Singapore – Section I: What comprises the reserves and who manages them?

淡马锡控股也辩解说,“与私人企业的情况一样,淡马锡控股是不需要公布自己的财务信息的。”
Temasek Holdings also claims that, “As an exempt private company, Temasek is not required to disclose financial information.”
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示图二:淡马锡控股的一般问题与答案
Chart 2: Temasek Holdings FAQ

同样的,政府也不愿意把GIC和淡马锡控股的详细报告让新加坡人民审核。
As such, the government is unwilling to provide the full reports of the GIC and Temasek Holdings for the scrutiny of Singaporeans.

今天,在世界主权财富基金排名榜上,GIC和淡马锡控股是排名在第8和第10位。
Today, the GIC and Temasek Holdings are the 8th and 10th largest sovereign wealth fund in the world, respectively.

目前, 世界上最大的主权财富基金——GLOBAL——挪威政府管理的退休基金。让我们看看挪威政府是如何处理他们的主权基金的报告和报告的准则。这是世界主权财富基金制定的标准。
Now, compare this to the largest sovereign wealth fund in the world, the Norwegian Government Pension Fund – Global, and let’s take a look at how they do their reporting and the standards that are set by the top sovereign wealth fund in the world.

你可以看到他们提供的报告书是完整的。
You can see that they would provide their reports in full.

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示图三:挪威政府2013年退休基金常年报告书。
Chart 3: Norway’s Government Pension Fund Global Annual Report 2013

现在的问题是:为什么政府、GIC和淡马锡控股不愿意和挪威政府处理主权财富基金的准则一样提呈详细的报告呢?
The question then is, why is the government, GIC and Temasek Holdings not willing to do
so?

正如我在本文章的第一部份里已经提到的,新加坡总理同时担任GIC董事会的主席、两位副总理和其他两位部长同时也同时担任董事会的董事。李光耀是GIC董事会的高级顾问。
Also, as discussed in the first part of the article, the Singapore prime minister, two deputy prime ministers and two other ministers are also the Chairman (prime minister) and Board of Directors of the GIC. Lee Kuan Yew is the Senior Advisor.

假设政府就是GIC,所有相关的信息是不透明的。请问在这样的情况下,新加坡人把我们的公积金交给到政府和GIC手上是否安全?一旦出现问题,我们要找谁追究管理和动用我们的公积金的责任?
If the government is the GIC and the information is not transparent, is it safe for Singaporeans to leave our CPF in the hands of the government and the GIC? Who can we hold accountable for the use and management of our CPF?

假设GIC在管理我们的公积金时出现失误,我们可以要求政府承担责任吗?新加坡总理和他的部长们都是在GIC董事会。
If the GIC mismanages our CPF, can we hold the government accountable if the government (and the Singapore prime minister, no less) is on the Board of Directors on the GIC?

当政府是GIC,而GIC又不向人民提交详细的报告。我们又无法知道政府与GIC动用我们的公积金去干啥?对新加坡人而言,这是处于一个极其不自在的处境。
This is a very uncomfortable position that Singaporeans are in when the government is the GIC and the GIC does not publish full reports, and we are not able to know what the government/GIC are doing with our CPF.

同时,政府又说,“主要企业在GIC集团内部。GIC管理着政府的证券投资组合。国家审计总署负责审计GIC的财务报表。”
Also, the government says that, “The main companies in the GIC group and the Government’s portfolio managed by GIC are also audited by the Auditor-General.”
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示图四:新加坡财政部——第一部分:国家储备金由哪些部分组成?谁负责管理国家储备金?
Chart 4: The Minister of Finance Singapore – Section I: What comprises the reserves and who manages them?

假设政府说,国家审计总署是负责审计GIC的财务报表的。那么,国家审计总署是否可以公布GIC经审核详细的财务报表?
If so, can the Auditor-General release full audit reports of the GIC?

到目前为止,新加坡人是无法从金融管理局、GIC和淡马锡控股获得详细的财务审计报表。新加坡人也无法通过渠道获得国家审计总署的GIC是审计报表。根本而言,新加坡人是无从知道新加坡政府如何管理我们的公积金。
Right now, Singaporeans are not able to access full reports from the MAS, GIC and Temasek Holdings. Singaporeans also do not have access to the Auditor-General’s audit report of the GIC. Basically, Singaporeans do not know what the government is doing with our CPF.

当新加坡人完全不知道新加坡政府、金融管理局、GIC和淡马锡控股如何管理我们的公积金的情况下,我们的公积金交到政府手上是否安全?
Is it safe to leave our CPF in the hands of the government, MAS, GIC and the Temasek Holdings when Singaporeans have no idea what they are doing with our CPF?

尤其重要的是,国家审计总署是在政府的管辖下、GIC就是政府。这就是说他们都是属于政府控制下的两个单位。国家审计总署在进行审核GIC财务报表时是否出现利益冲突!
More importantly, if the Auditor-General is the government and the government is the GIC, then when the Auditor-General audits the GIC, is there a conflict of interest since they are both the government?

要求透明化的诉求
Demand for Transparency:

新加坡人民要求金融管理局公布(它是负责管理国家储备金的法定地位。)GIC和淡马锡控股提供详细的报告书
Singaporeans demand that full reports from the Monetary Authority of Singapore (which also manages our reserves), GIC and Temasek Holdings be released.

(七)总统是否有权或无权知道国家储备进的规模?
(7) Can the President Know or Not Know the Size of the Reserves?

根据政府在宪法上的约定,“总统的职责是保护过去政府的国家储备金和五个列入国家管控的实体”。我们的公积金是包括在其中之一。
According to the government, “the President safeguards the Past Reserves of the Government and Fifth Schedule entities”, which include our CPF.

政府同时也说,
The government also says:

总统是被赋予权力知道内阁和五个列入国家管控的实体(我们的公积金包括在其中之一)所有的信息的权利的。。。。总统被赋予权力知道所有国家储备金的规模(包括固定资产,如国有土地)和所有实体的业绩表现的。
The President is entitled to all information that the Cabinet and the boards of the Fifth Schedule entities (which includes our CPF) are entitled to… The President has full information about the size of the reserves (including a listing of physical assets like land) and the performance of the investment entities.

每年,国家审计总署必须准备和呈交政府财政报表给总统。这些财政报表是由独立的国家审计总署负责审计的。
Each year, the Accountant-General prepares and submits the Government’s financial statements to the President. These statements are independently audited by the Auditor-General.
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示图五:新加坡财政部——第一部分:国家储备金由哪些部分组成?谁负责管理国家储备金?
Chart 5: The Minister of Finance Singapore – Section II. What is the President’s role in safeguarding the reserves?

假设总统是赋予权力知道‘国家储备规模的完整信息’,为什么在1996年政府告诉王鼎昌总统‘将需要耗费56个人/年的时间去每分每角的计算所有的不动产’?
If the President is entitled to the “full information about the size of the reserves”, then why was it that the government told President Ong Teng Cheong in 1996 that, “it would take 56-man years to produce a dollar-and-cents value of the immovable assets“?

现在,我们已经知道国家的储备金是由金融管理局、GIC和淡马锡控股负责管理了。如果是这样的情况,它们必须是拥有详细的国家储备金的报告。他们并不需要耗费56个人/年的时间让王鼎昌总统知道‘完整的国家储备金的规模’。
It is now known that the reserves are managed by the Monetary Authority of Singapore (MAS), GIC and the Temasek Holdings. If so, they would have kept full reports of the reserves. It wouldn’t need to take 56-man years to let President Ong Teng Cheong know the “full information about the size of the reserves”.

为什么当时政府不让王鼎昌总统知道国家储备金的规模呢?
Why then did they not want to let him know?

假设新加坡人和总统都不可能知道完整的国家储备金,那么,谁才是真正保护我们国家的储备金和我们的公积金的人?
If Singaporeans are not able to know the full information about the reserves and the President is also not able to know, then who exactly is safeguarding our reserves and our CPF?

假设新加坡人民和总统都无法知道我们国家的储备金的状况和我们的公积金,那么,到底政府拿了我们的公积金去干啥?
If Singaporeans and the President doesn’t know what is happening to our reserves and the CPF, then what exactly is the government doing with our CPF?

新加坡人民要知道政府动用我们的公积金干啥的真相?我们的公积金是否真正的安全的唯一途径就是:金融管理局、GIC和淡马锡控股公开披露详细的报告,让新加坡人民自己去仔细审核。
The only way that Singaporeans can truly and safely know what the government is doing with our CPF is when full reports are revealed from the MAS, GIC and Temasek Holdings are released to be scrutinised by Singaporeans.

新加坡人民要求金融管理局、GIC和淡马锡控股公开公布有关我们的公积金的完整报告。
Singaporeans demand that full reports from the MAS, GIC and Temasek Holdings be released.

(八)公积金的资金是不是新加坡政府获得最低融资成本和最具有规模的资金渠道?
(8) Is the CPF A Cheap and Significant Source of Funding for the Government?

这个月初,海峡时报报道,第二副总理兼财政部长善达曼说,‘那些指责政府是利用公积金是融资成本最低廉的渠道是“错误和彻底的误导的”。’
Earlier last month, it was reported by The Straits Times that then Second PM/ Finance Minister Tharman Shanmugaratnam had said that, “the charge of the Government using CPF as a cheap source of funds was “wrong and plainly misleading”“.

然而,在1983年工人党党员必达星在海峡时报挖出了事实,他说:“公积金。。是为政府提供了最廉价融资成本的渠道。”
However, in a Straits Times article in 1983 that was dug up by the Worker’s Party Pritam Singh, it was said that, “The CPF … provided a cheap source of finance for the government”.

1983年刊登在海峡时报的这篇文章继续说,‘公积金局购买了政府的股票,政府把公积金局的资金廉价的借给建屋发展局。’然后,‘在把其中一部分的资金借贷给购房者’。(这就是说,政府以低廉的融资成本向新加坡人的公积金借贷,然后,又把这笔资金借贷新加坡人去购买建屋发展局的组屋。这到底是咋回事?!这样的做法合乎逻辑吗?)
The Straits Times article in 1983 goes on to say that, “The CPF purchases government stocks, and the government loans the money cheaply to the HDB. then “lends part of this money to purchasers of HDB flats”. (So, the government borrows our Singaporeans’ CPF cheaply, then lends it back to us – does this make sense?)
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示图六:海峡时报——钞票和公积金的定义
Chart 6: The Straits Times – The dollars and sense of CPF

最后,这篇文章在结尾时非常明确的说,‘公积金存款是一个具有效益可以用于借贷给政府的本地资金来源的渠道。’
Finally, the article ended off by affirming that, “CPF savings provide a significant source of domestic funds available for government borrowing”.
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图示:七:海峡时报——钞票和公积金的定义
Chart 7: The Straits Times – The dollars and sense of CPF

这样一来,我们要问:是谁说了真相?
So, who is telling the truth here?

一、假设政府辩解说,‘公积金不是政府取得最低廉成本资金的渠道’当1983年被人揭露他们确实就是从公积金借贷成本比从其他渠道借贷成本更加低廉的资金时,政府为什么要反驳呢?
1.If the government claims that the CPF is not “a cheap source of finance for the government”, how does the government counterclaim what was said in 1983, when it is revealed that the government has indeed borrowed from our CPF cheaply?

二、假设正如政府所说的,‘公积金不是政府取得最低廉成本资金的渠道’ ,那么,我们的公积金局借贷给政府时,政府是支付了多少利息给新加坡人民?
2.If the CPF is not a “cheap source of finance for the government”, then how much is the government paying Singaporeans to borrow our CPF?
或者,倒过来说,新加坡人向公积金借贷时支付给政府的利息是多少?
Or, are Singaporeans paying the government instead?

假设是这样。我们的公积金是对新加坡来说是属于成本高的资金。我们必须失去我们的公积金去借贷给政府?
If so, is our CPF an expensive source of finance for Singaporeans who have to lose our CPF to fund the government’s finances?

三、同时,假设现有的政府说,‘公积金借贷给政府的利息不是低廉的资金’,那么,哪些渠道的资金借贷给政府是最低廉的成本的?这些渠道借贷给政府的利息是多少?把这些借贷低廉的资金渠道明细列下来。
3.Also, if the current government claims that the CPF is not “a cheap source of finance for the government”, then what are the other sources of finance for the government? How much are these other sources of finance and what is the breakdown of these sources?

GIC说出的这句话或者就是击中政府要害的地方!GIC说,当他们承认‘持续不断的支付顺差和累计的国家储蓄是新加坡政府资金来源的基本渠道。’
The nail in the coffin could perhaps be what the GIC says when they admitted that, “Sustained balance of payments surpluses and accumulated national savings are the fundamental sources of the Singapore Government’s funds.”
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示图八:GIC的一般问题与答案
Chart 8: GIC FAQ Popular

或许记得你记得GIC董事会的组成是由总理兼两位副总理和两位部长共同组成的。或者,准确的说,就是由政府组成的。
You would remember that the GIC is also made up of the Singapore prime minister, two deputy prime ministers and two ministers, or literally the government.

什么叫:‘累计国家储蓄’?这是不是我们的公积金?因此,可以这么明确的说,‘新加坡政府的基本基金来源的主要渠道’是直接来自政府的收支盈余和我们公积金。
What are “accumulated national savings”? Is this our CPF? It thus seems clear that the “fundamental sources of the Singapore’s Government’s funds” come direct from government surpluses and our CPF.

这是一个令人费解的事!?为什么淡马锡控股要辩解说,它‘没有管理公积金储蓄(和)政府的盈余’。
Which is why it is perplexing why the Temasek Holdings would say that it “does not manage CPF savings (and) Government surpluses”.

假设‘政府的基金主要来源’是来自‘持续的盈余和累计的国家储蓄’的话,淡马锡控股还仍然说它没有管理这些资金!那么,淡马锡获得投资资金基金是否是从天而降?与此同时,淡马锡控股是否投资在我们的政府的持续盈余和公积金的同一个优先点上。
If the “fundamental sources of the Singapore Government’s funds” are the “sustained balance of payments surpluses and accumulated national savings” and yet the Temasek Holdings does not manage them, then did the Temasek Holdings got their funding from thin air? Also, was the Temasek Holdings invested our government surpluses and CPF at some point prior?
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示图九:淡马锡控股的一般问题与答案
Chart 9: Temasek Holdings FAQ

因此,我们要问:到底政府动用了多少我们的公积金投资在GIC(和淡马锡控股)?
Thus how much of our CPF is invested in the GIC (and Temasek Holdings)?

从GIC和淡马锡控股成立至今,政府的财政盈余投资在GIC和淡马锡控股?
How much government surpluses have been invested in the GIC and Temasek Holdings since their inception?

从金融管理局、GIC和淡马锡控股成立至今,政府总共投资了多少资金?请出示明细表。
What is the full breakdown of the funds that have been invested in the MAS, GIC and Temasek Holdings since their inception?

看来,政府在我们的公积金和管理我们的公积金的问题上似乎有太多不同的说法。假设情况是这样,那么,我们要问:事实上政府自己都是不知道到底发生了什么事?或者,他们是知道。他们为什么不把事实真相告诉新加坡人民!他们是不是为了不让新加坡人民知道事情的真相而采取了玩转圈圈的方式?
There seems to many very different things that the government is saying about our CPF and how they are managing our CPF. If so, does the government even know what is going on? And if they do, will they tell Singaporeans the truth instead of go in a roundabout fashion to prevent Singaporeans from knowing the truth?

要求透明化的诉求:
Demand for Transparency:

金融管理局、GIC和淡马锡控股的投资基金的从哪儿来?
What are the sources of funding for the MAS, GIC and Temasek Holdings?

那些投资在金融管理局、GIC和淡马锡控股的资金完整明细表在哪儿?
What is the full breakdown of these sources of funding invested in the MAS, GIC and Temasek Holdings since their inception?

GIC和淡马锡控股从每个融资资金渠道中赚取了多少利润?
How much did the funds earn in the GIC and Temasek Holdings, for each of these sources of funding?

(九)动用了我们的公积金赚取了利润后,至今还有多少尚未归还给新加坡人民?
(9) How Much of the Interest Earned On Our CPF is Not Returned Back to Singaporeans?

现在,我们终于明确知道:新加坡人民的公积金是投资在GIC和过去投资在淡马锡控股。接下来的问题是:
Finally, now that we know with certainty that Singaporeans’ CPF is invested in the GIC and was invested in the Temasek Holdings, then the question is

淡马锡赚取年6.5%的年利率(按美元20年回报率为准)和赚取16%(按新加坡元回报率为准),但是,为什么政府支付给我们的公积金年利率是2.5%——4%之间?根据 Leong Sze Hian先生的计算,这个利息和目前新加坡人民真正赚取的利息是世界上最低的利息。
why is the GIC and Temasek Holdings earning 6.5% (annualised 20-year return in USD terms) and 16% (in SGD terms) respectively, but our CPF is only earning 2.5% to 4%? According to Mr Leong Sze Hian, the interest and real interest that Singaporeans are earning on our CPF is the lowest in the world.

因此,我们要问:为什么今天新加坡人民是世界上无法拥有足够退休金的国家之一?
Thus, why is it that Singaporeans today have one of the least adequate retirement funds in the world?
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示图十:看一看以下2011年亚洲/太平洋区的养老金的示图
Chart 10: Pensions at a Glance Asia/Pacific 2011

但是,在世界主权财富基金的排名榜上GIC和淡马锡控股却被列为第8位和第10位。
But GIC and Temasek Holdings are ranked the 8th and 10th largest sovereign wealth funds in the world respectively?
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示图十一:主权财富基金的排名
Chart 11: Sovereign Wealth Fund Rankings

简而言之,为什么当GIC和淡马锡控股和政府拥有这样的世界主权财富基金的排名地位而变得越来越富有的同时,新加坡人民却越来越穷?
In short, why did Singaporeans become so poor, while the GIC and Temasek Holdings, and the government which owns them, become so rich?

根据亚洲发展银行学院的分析;
According the Asian Development Bank Institute:

在某种程度上而言,政府在公积金的资金上赚取了利润的回报比他们支付给公积金会员的还高?公积金的巨额财富里面是有隐藏性的收益的。
To the extent the Government earns a higher rate of return on the CPF funds than what it pays to members; there is an implicit tax on CPF wealth.

这个隐藏性的收益是规模巨额的和属于回扣性的。正如低收入的公积金会员拥有他们非住房资产是公积金盈余的一种形式。这是生动的阐述是政治风险(例如:保护政治权利)和非透明化可以出现单独的会计系统。
This tax is likely to be fairly large and regressive, as low-income members are likely to have most of their non-housing wealth in the form of CPF balances. This vividly illustrates how political risks (i.e protection of political power) and non-transparency can arise in an individual account system.

事实已经非常明显了。这不仅仅是新加坡人民的公积金是世界上最低的利息,而且是,GIC和淡马锡控股赚取的利息并没有归还给新加坡人民!这是是属于‘隐藏性的税收’!这个‘隐藏性的税收’是新加坡人民付还给新加坡政府的。
So clearly, not only are the real interest rates on Singaporeans’ CPF the lowest in the world, the interest earned by the GIC and Temasek Holdings that are not returned to Singaporeans is an “implicit tax” that Singaporeans are paying to the government.

假设是这样情况,公积金是不是新加坡政府取得最大成本的资金来源渠道的问题不是非常清晰了吗?
If so, isn’t the CPF clearly “a cheap source of finance for the government”?

假设是这样的情况,那么新加坡人民缴交给在政府的公积金就不是政府取得资金来源最昂贵的资金了。
If so, isn’t the CPF an expensive source of finance for Singaporeans who are paying our CPF to the government?

你必须清楚的认识到——没有我们的公积金,GIC和淡马锡控股去哪儿找资金来投资?
You have to understand this – without our CPF, the GIC and Temasek Holdings would have no funds to invest in.

不管政府是如何辩解说‘公积金是没有直接投资在GIC和淡马锡控股’和因此,GIC和淡马锡控股所赚取的利润是属于题目自己的,他们不需要把赚取的利润归还给新加坡人民。这样的辩解说完全站不住脚的!因为,首先是:如果没有公我们的公积金的资金,GIC和淡马锡控股就不可赚取如何的利润积金的资金渠道。
No matter how much the government wants to phrase that the CPF is not “directly” invested in the GIC and Temasek Holdings and thus the returns earned by them does not need to be returned to Singaporeans, such logic does not hold water because if not for our CPF, the GIC and Temasek Holdings would not have been able to earn in the first place.

要求透明化的诉求
Demand for Transparency:

从GIC和淡马锡控股成立至今,到底政府每年到底投入了多少资金?
How much CPF is (and was) invested in the GIC and Temasek Holdings on an annual basis since the GIC and Temasek Holdings’ inception?

从GIC和淡马锡控股成立至今,公积金局每年从它们哪儿赚取了多少利息?
How much did the CPF earn in the GIC and Temasek Holdings on an annual basis since inception?

从GIC和淡马锡控股成立至今,他们动用新加坡人的公积金每年赚取了多少利息和多少钱?这些钱年尚未归还给新加坡人民!
How much was the interest and money earned by the GIC and Temasek Holdings, using Singaporeans’ CPF, which was not returned, on annual basis, since inception?

(十)为什么新加坡政府要删除它们动用新加坡人的公积金投资在GIC和淡马锡控股的信息?
(10) Why Did the Government Erase Information that Singaporeans’ CPF is Invested in the GIC and Temasek Holdings?

最终,或许就是最糟糕的是——去年,在到几个政府的网站搜索有关新加坡人的公积金投资在GIC和淡马锡控股。
Finally, and this is perhaps the most damning – last year, I traced the information on several government websites that Singaporeans’ CPF is invested in the GIC and Temasek Holdings.

在我的搜索中我可以看到这样的信息:我们“公积金的钱是投资在政府特别债卷(SSGS)”的说明是“政府给借贷”和“投资在国家储备”。“我们的国家储备金是由三家代理公司管理——新加坡政府投资有关系公司(GIC)、淡马锡控股(淡马锡)和和新加坡金融管理局(MAS)”。
I was able to find that our “CPF monies are invested in bonds (SSGS)” which are “borrowed” by the government and “invested in reserves”. “Our reserves are managed by three agencies – the Government of Singapore Investment Corporation (GIC), Temasek Holdings (Temasek) and the Monetary Authority of Singapore (MAS).”
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示图12:从几个政府部门的网站搜索到的信息。
Chart 12: Information obtained from several government websites

然而,我在今年5月份再查看有关的政府网站时,这些政府已经网站重新编辑和删除了一些信息。
However, when I last checked in May, the government has edited, changed and removed some of the information on their websites.

两个最重要的信息已经更改了。那就是:
Two of the key information that are changed is this:

一、第一个信息是:政府删除了有关我们的公积金是投资在“国家储备金”。
(1) First, the government removed the information that our CPF is invested “in reserves”.
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示图13:
Chart 13
二、第二个信息是:政府删除了有关我们国家的储备金是由GIC、淡马锡控股和金融管理局负责管理的信息。
(2) Second, the government removed the information that our reserves are managed by GIC, Temasek and MAS.

你已经无法在这些政府网站的最新信息直接被告知有关我们的国家储备金(和我们的公积金)是由GIC和淡马锡控股负责管理了。
In the new edited version, you are now unable to directly tell that our reserves (and our CPF) are managed by the GIC and Temasek Holdings.
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图示:14
Chart 14

因此,这两个信息被删除了。新加坡人民现在已经不可能知道,我们的公积金是投资国家储备金的笼子里。这个笼子是由金融管理局、GIC和淡马锡共同管理。
Thus with this two pieces of information removed, Singaporeans are now not able to know that our CPF is invested in the reserves, and that the reserves are managed by the MAS, GIC and Temasek.

然而,你应该会记得我在上个月初(今年6月初)的一篇文章所提到的,政府最终承认新加坡人的公积金是投资在GIC。同时在6月初,GIC也承认,他们是使用我们的公积金进行投资的。同样在今年6月初,淡马锡控股辩解说他们并没有投资在我们的公积金。
However, you would remember in the previous article that it was only early last month, in June, that the government finally admitted that Singaporeans’ CPF is invested in the GIC. It was also in early June that the GIC admitted that they know that they use our CPF to invest. It was also in early June that Temasek claims that they do not invest our CPF.

所有这些事情都在6月初发生。接着,我在6月初也失去了工作。(注:陈笃生医院宣布解除与鄞义林先生的雇佣合约!)
All these happened in early June. I lost my job in early June.

因此,如下就是我在提出有关我们的公积金事件过程的经过:
So, here’s the chronology:

一、我在去年搜索出有关我们的公积金投资在GIC和淡马锡控股后,政府随即更改了他们在这些网站与我们的公积金有关的信息。他们删除了有关我们的公积金是投资在GGIC和淡马锡控股,目的是不要让新加坡人民知道有关公积金是投资在这两家公司的证据。
1.After I traced the information that our CPF is invested in the GIC and Temasek last year, the government changed the information on their website to remove this evidence so that Singaporeans were unable to know that our CPF is invested in the GIC and Temasek.

二、然而,在今年6月初,政府在公积金的问题上突然来个大转弯。他们承认我们的公积金是投资在GIC。
2.However, in early June this year, the government suddenly did an about turn and admitted that our CPF is invested in the GIC.

三、政府也同时辩解说,淡马锡控股并没有投资在我们的公积金,但是,证据证明淡马锡控股确实动用过我们的公积金。
3.They also claimed that the Temasek Holdings does not invest our CPF but the evidence is that Temasek Holdings had used to.

以下要问政府的问题:
These are the questions:

一、为什么政府一开始要删除证据证明我们的公积金是投资在GIC和淡马锡控股?是不是政府不让新加坡人民知道是个事实?
1.Why did the government first want to erase the evidence that our CPF is invested in the GIC and Temasek Holdings, so that Singaporeans were unable to know?

二、接下来,是什么压力迫使政府改变他们的立场承认我们的公积金是投资在GIC?
2.Then, what forced the government to change their stance to admit that the CPF is invested in the GIC?

三、淡马锡控股凭什么说他们没有投资在我们的公积金?但是,更重要的是,为什么他们承认过去他们有投资在我们的公积金?
3.What made the Temasek Holdings say that they do not invest our CPF but more importantly, why don’t they admit that they used to invest our CPF before?

要求透明化的诉求:
Demand for Transparency:

一、新加坡人民要求政府提出详细的报告,有关从一开始如何安排我们的公积金投资在金融管理局、GIC和淡马锡控股?
1.Singaporeans demand the full reports of how our CPF is invested in the MAS, GIC and Temasek since this arrangement of investing our CPF in MAS, GIC and Temasek first began.

二、新加坡人民要求金融管理局、GIC和淡马锡控股详细报告,说明三个实体从成立至今,我们的公积金在这三个实体赚取了多少利润?所赚取的利润至今还有多少未归还给新加坡人民?
2.Singaporeans demand that full reports from the MAS, GIC and Temasek be released, including how much our CPF had earned in each of these entities, since their inception and how much interest was not returned to Singaporeans.

非常明显的,新加坡政府在管理我们的公积金问题是存在许多差异的!新加坡政府必须告诉新加坡人民有关政府管理新加坡人民的公积金的实际情况!
Very clearly, there are many discrepancies that the Singapore government needs to answer to on the management of Singaporeans’ CPF.

我阐述的上述10个的纰漏已经揭发了。为什么政府不提供详细的信息给新加坡人民呢?为什么新加坡政府不愿意在这个问题上透明化,让新加坡人民知道实情?
I have illustrated the 10 loopholes that has been revealed. Why does the government not want to provide the full information to Singaporeans? Why doesn’t the Singapore government want to be transparent to Singaporeans?

尤其重要的是,到底我们的公积金发生了什么问题?到目前为止,人民对我们的公积金如何真正的被人管理和为什么人民不可以取回自己的公积金感到不解!?
More importantly, what exactly is happening to our CPF? Until now, we are no wiser on how our CPF is truly being managed, and why we are not able to take our CPF back.

在政府动用我们的公积金问题上是存在一些问题的。或者说道更准确一点,这当中一定有一些错误的地方!政府有义务和责任透明化的让新加坡人民知道,政府是如何动用我们的公积金?政府必须给新加坡人民一个详细的和可信赖的说明他们是如何管理我们的公积金的!
Something is not quite right with how our CPF is being used, or rather, something is very wrong. The government has a duty and responsibility to be transparent in letting Singaporeans know what they are doing with our CPF, to give us the full information and be accountable to Singaporeans.

新加坡人民是很公平的。假设我们已经知道我们的公积金确实发生了什么问题,我们会通过集体的智慧找出解决方案以改进我们的公积金管理方式。但是,这一切都可能性必须是建立在:政府必须向新加坡人民诚实和透明化的基础上。这个基础就是政府提供有关公积金局、金融管理局、GIC和淡马锡控股的详细报告才有可能实现。
Singaporeans are fair people. If we know the truth about what is happening to our CPF, we would be able to collectively come out with solutions to better our CPF. But this is only possible if the government is honest and transparent to Singaporeans by providing Singaporeans with the full reports from CPF, MAS, GIC and Temasek Holdings.

同时,政府必须改革公积金局和由金融管理局、GIC以及淡马锡控股的管理团队。这样的管理团队实体不可以再复制,必须由经过专业培训的专业人进行管理。
The government also needs to reform the CPF and the management of the CPF by the MAS, GIC and Temasek Holdings. The management of these entities cannot be duplicated and have to be trained experts in their fields of expertise.

最后:
Finally:

一、政府是在什么时候开始第一次动用我们的公积金投资到金融管理局、GIC和淡马锡控股?
1.When did the government first start using our CPF to invest in the MAS, GIC and Temasek Holdings?

二、政府从我们的公积金户头里总共动用了多少资金投资到金融管理局、GIC和淡马锡控股?
2.How much did the government take from our CPF to invest the MAS, GIC and Temasek Holdings?

三、政府动用我们的公积金投资到金融管理局、GIC和淡马锡控股到底赚取了多少利息?
3.How much interest did the government earn on our CPF which has been invested in the MAS, GIC and Temasek Holdings?

四、政府在动用了我们的公积金后到底赚取了多少利息尚未归还给新加坡人民?
4.How much of the interest earned on our CPF was not returned to Singaporeans?

现在,球是在政府的脚下。政府愿意不愿意对人民诚实和透明化的对待新加坡人民?政府要不要回应新加坡人民的诉求?
The ball is now in the government’s court. Will the government be honest and transparent to Singaporeans? Will the government respond to Singaporeans?

新加坡人民将会等待。
Singaporeans will be waiting.
*****

很显然,政府、GIC和淡马锡控股在管理我们的公积金问题上是已经出现了失误!在公积金的管理问题上,还有很多纰漏和差异政府还没有告诉我们!这些重要的纰漏政府必须承认并说出来!因为这是涉及新加坡人民的退休金问题。
It is clear that something is amiss in the management of our CPF by the government, the GIC and Temasek Holdings. There are still loopholes and discrepancies which the government has not addressed. This are important loopholes that the government has to acknowledge and speak up on, especially so since this concerns the retirement funds of Singaporeans.

到底新加坡人的公积金出了什么事!
What exactly is going on with Singaporeans’ CPF!

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